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Health Insurance covering Cataract Surgery

Why should you get a Health Insurance covering Cataract Surgery?

1
A conventional cataract surgery (phacoemulsification) costs Rs 40,000 for each eye, while the new bladeless surgery can cost Rs 85,000 to Rs 1.2 lakh! (1)
2
There is no natural cure for cataract. A 2017 review of studies published by the National Institutes of Health confirmed the only available treatment for cataracts remains surgery. (2)
3
The average age of contracting cataract in the US or Europe is 70+.  But in India, the condition is growing rampant at age 50. (3)

What is Cataract?

Why is a Cataract Surgery important?

How much does a Cataract Surgery cost in India?

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.

Source

Disclaimer: The above are only approximate costs and may differ from hospital to hospital, and city to city.

What’s great about Digit’s Health Insurance Covering Cataract?

  • Simple online processes - From the process of buying a health insurance policy to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims! 
  • No Age-based or Zone-Based Co-payment - Our health insurance comes with no age-based or zone-based copayment. This means, during health insurance claims, you need not pay anything from your pocket. 
  • No Room Rent Restriction - We understand that everyone has different preferences. That’s why we have no room rent restrictions. Choose any hospital room you prefer. 
  • SI Wallet Benefit - If you exhaust your Sum Insured during the policy period, we refill it for you.
  • Get treated at any hospital - Choose from 16400+ of our network hospitals in India for a cashless treatment or opt for a reimbursement.
  • Wellness Benefits - Get exclusive wellness benefits on the Digit App in collaboration with top-rated health and wellness partners.

Key benefits of Health Insurance by Digit

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

*Available only on Worldwide Treatment Plan

How to claim for a Cataract Surgery in Digit’s Health Insurance?

FAQs related to Health Insurance covering Cataract