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Terms and conditions
Terms and conditions
A cataract health insurance simply refers to a health insurance policy that covers for the treatment of cataract, a common eye condition faced in old age but, which can also be triggered by injuries to the eye.
At Digit, the treatment for the same is included and covered under our daycare procedures – with no additional cost.
Cataract is an eye condition caused by the formation of a dense, cloudy area in the lens of the eye. It is largely common in older people and if left untreated, can lead to partial or complete blindness.
There isn’t just one reason or cause for cataract. Although it is common in seniors, in India there has been a trend where cataract is also affecting those at the age of 50!
One of the reasons for the same could be due to the rise and prevalence of diabetes in India. Apart from diabetes and increasing age, the following are some of the causes of cataract:
People are usually under the misconception that cataract is of one kind only and is solely related to old age.
However, this isn’t true. Cataract can be of different types, depending on its cause and which part of the eye it is affecting. Below are the different types of cataract:
Yes, cataracts can be prevented primarily by maintaining your eye health and overall health and wellbeing as well. Some of the ways to prevent cataracts include:
Yes, there are some people who are unfortunately more prone to cataracts than others. Some of these risk factors include:
While the Phacoemulsification Cataract Surgery is the most common form of cataract surgery, there are also other types of surgeries for cataract.
Based on what your doctor has recommended, the city you live in, the hospital you pick and how old you are, the cost of a cataract surgery in India will differ. Below are what it would approximately cost for the three different types of cataract surgeries in India:
Phacoemulsification Cataract Surgery |
Extra capsular Cataract Surgery |
Bladeless Cataract Surgery |
What is it: The most common surgery practiced for cataract, using local anesthesia before making small incisions in the affected cornea in order to break down and remove the cataract. |
What is it: Similar to the Phacoemulsification cataract surgery, but incisions required here are larger than usual. |
What is it: This surgery doesn’t use any incision methods but instead treats the cataract through a computer-guided femtosecond laser which dissolves the cataract. |
Cost: It costs around Rs 40,000 for the affected eye. |
Cost: Between Rs 40,000 to Rs 60,000 for the affected eye. |
Cost: Given that this surgery is fairly recent and very technical in nature, it is more expensive than other surgeries, i.e. around Rs 85,000 to 120,000 for the affected eye. |
Disclaimer: The above are only approximate costs and may differ from hospital to hospital, and city to city.
Co-payment |
No |
Room Rent Capping |
No |
Cashless Hospitals |
16400+ Network Hospitals across India |
Inbuilt Personal Accident Cover |
Yes |
Wellness Benefits |
Available from 10+ Wellness Partners |
City Based Discount |
Up to 10% Discount |
Worldwide Coverage |
Yes* |
Good Health Discount |
Up to 5% Discount |
Consumables Cover |
Available as an Add-on |
Digit’s Health insurance covers cataract surgery under ‘Daycare Procedures’ as this qualifies as a medical treatment that needs hospital admission for under 24-hours due to medical advancements in treatment.
If you wish to get a cataract surgery done, and are insured with us – below is how you can make a claim:
Largely, the senior age group is more prone to cataract.
Largely, the senior age group is more prone to cataract.
No, this would depend on different health insurer’s terms and conditions. Always better to check your policy document or ask your insurer to see if it is covered or not 😊 At Digit, it is covered under Daycare Procedures.
No, this would depend on different health insurer’s terms and conditions. Always better to check your policy document or ask your insurer to see if it is covered or not 😊 At Digit, it is covered under Daycare Procedures.
Yes, there is a minimum waiting period of 2 years for cataract surgery, at Digit, since it comes under specific illnesses.
Yes, there is a minimum waiting period of 2 years for cataract surgery, at Digit, since it comes under specific illnesses.
No, just because you are diabetic doesn’t mean you will get cataract. However, it’s said that people who are diabetic (especially high levels) are more prone to getting secondary cataract too.
No, just because you are diabetic doesn’t mean you will get cataract. However, it’s said that people who are diabetic (especially high levels) are more prone to getting secondary cataract too.
This would again depend on your health insurer. However, at Digit – cataract surgeries are covered under Daycare Procedures which are included as a default in all our health insurance options.
This would again depend on your health insurer. However, at Digit – cataract surgeries are covered under Daycare Procedures which are included as a default in all our health insurance options.
This primarily depends on your symptoms and current vision quality. For most people with cataract, it is recommended to get a surgery since it is safe and successfully restores quality of vision. However, the surgery can be delayed basis how affected your eyes are currently. All said and done, your eye specialist will be best suited to give you the right recommendation post an eye checkup and examination.
This primarily depends on your symptoms and current vision quality. For most people with cataract, it is recommended to get a surgery since it is safe and successfully restores quality of vision. However, the surgery can be delayed basis how affected your eyes are currently. All said and done, your eye specialist will be best suited to give you the right recommendation post an eye checkup and examination.
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Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form.
Disclaimer #2: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.
Last updated: 2024-03-14
CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.
Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.