Health Insurance covering Cataract Surgery

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What is Cataract Health Insurance?

Why should you get a Health Insurance covering Cataract Surgery?

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)
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)
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.


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!
  • Covers pandemics like the coronavirus – India is one of worst affected countries when it comes to the COVID-19. We cover the same as part of our health insurance, so you need not get a separate coronavirus policy.
  • No age-based copayment - Our health insurance comes with no age-based copayment. This means, during health insurance claims- you need not pay anything from your pocket.
  • No room rent restriction - Everyone has different preferences, and we understand that. That’s why, we have no room rent restrictions. Choose any hospital room you prefer for your treatment.
  • 2X Sum Insured - If you exhaust your sum insured and unfortunately need it again during the year, we refill it for you.
  • Cumulative Bonus - A reward for staying healthy! You can get yearly cumulative bonus for claim-free years.
  • Get treated at any hospital - Choose from 6400+ of our network hospitals in India for cashless treatment or opt for a reimbursement.

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

FAQs related to Health Insurance covering Cataract