Does Health Insurance Cover Cataract Surgery?

We all have such fear of losing our loved ones; likewise, we want better chances to live for them. Health insurance is an assurance of financial help that would not come in the way of a medical emergency. Our country has the majority of the population falling in the middle and backward classes. With a common source of employment and income, they live a manageable life. With such financial conditions, when these people suddenly face any major health issue, they fall into their own loop of agony. With the help of health insurance, they can avail of such benefits at the time of emergency. This would help in relieving the last hour’s chaos in such a critical situation. 

Also read here: Importance of Health Insurance for Cataract Treatment Surgery in India

Health insurance is essential for one because it claims for any unexpected health issue. It would provide coverage for hospital expenses, daycare treatments, and ambulance charges. It covers expensive transplant surgeries, which nearly gives us heartache. This also covers the expenses from any treatment taking place in our home under medical expertise. Apart from this, health insurance is beneficial in terms of deduction of taxes under Section 80D of the Income-tax Act. This way, one can get an exemption from the extra loads of taxes.

Is Cataract Surgery Included In Health Insurance?

Apart from the exemption of taxes, cataract surgery is also included in health insurance plans. A cataract is a disorder that occurs as a cloudy appearance on the eye lens. It can lead to loss of vision if not treated in time. Earlier people of 60 years of age were prone to have cataracts, but now it has shifted to 40 years. It may occur due to smoking, obesity, diabetes, or substance abuse, etc. So it is preferable to treat cataract before time.

Waiting Period and Average Cover Amount For Cataract Surgery

Cataract surgery is covered in health insurance, but some of these health insurance policies do not include it. It is essential to check priorly in the policy details for the surgery. The insurance requires a waiting period of 2 years, and the claim limit is totally dependent upon the insurance company that how much they can provide for the surgery and its facilities. The average expense in India for cataract surgery is from Rs. 15,000 to Rs. 35,000 rupees. Insurance companies give this leverage through several procedures. 

Which Health Insurance Plan Should I Take For Cataract Surgery?

For cataract Health Insurance it is preferable to buy a senior citizen health insurance plan if the individual belongs to late adulthood. These insurances covered the medical expenses consisting of hospitalization, surgery, and post-surgery expenses as well. 

In most health insurance, the full amount for cataract treatment cannot be dissipated. Instead of it, specific sub-limits are provided according to the surgery. You can now purchase a health insurance policy online. While doing so, you can also compare all the health policies available in the market and see the benefits that best suit your requirement. 

Conclusion

Cataract being a massive disorder in our country, it needs to be addressed as soon as possible. Thanks to these policies, there would be less hassle while opting for such a costly surgery.

Also read here: 5 Best Health Insurance Plans in India You Can Buy in 2020

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.