Is Cataract Surgery Covered Under Health Insurance?

The senior age group is mostly affected and prone to cataracts, but recent data suggests that people above the mid-40s have started experiencing cataracts due to their lifestyle.

The senior age group is mostly affected and prone to cataracts, but recent data suggests that people above the mid-40s have started experiencing cataracts due to their lifestyle.

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 1-3 years for cataract surgery at Digit since it comes under specific illnesses.

Yes, there is a minimum waiting period of 1-3 years for cataract surgery at Digit since it comes under specific illnesses.

No, just because you are diabetic doesn’t mean you will get cataracts. However, it’s said that people who are diabetic (especially high levels) are more prone to getting secondary cataracts too.

No, just because you are diabetic doesn’t mean you will get cataracts. However, it’s said that people who are diabetic (especially high levels) are more prone to getting secondary cataracts 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.

Yes, some insurance providers have a cap on the amount you can claim for cataract surgery, whereas in some insurance policies, you can claim the total sum insured. For example, if the cataract claim limit is ₹30,000 for an amount insured of Rs. 4 lakhs, you can only use ₹30,000 for your cataract surgery. So, it is important to carefully review the policy’s coverage and exclusions before purchasing the plan.

Yes, some insurance providers have a cap on the amount you can claim for cataract surgery, whereas in some insurance policies, you can claim the total sum insured. For example, if the cataract claim limit is ₹30,000 for an amount insured of Rs. 4 lakhs, you can only use ₹30,000 for your cataract surgery.

So, it is important to carefully review the policy’s coverage and exclusions before purchasing the plan.

Yes. Considering the high cost of medical treatment and the growing number of people with cataracts in India, you need to have cataract surgery coverage.

Yes. Considering the high cost of medical treatment and the growing number of people with cataracts in India, you need to have cataract surgery coverage.

Yes, you can purchase standalone insurance for cataract surgery and other eye problems. However, it is recommended that you purchase health insurance that provides coverage for cataracts along with other benefits.

Yes, you can purchase standalone insurance for cataract surgery and other eye problems. However, it is recommended that you purchase health insurance that provides coverage for cataracts along with other benefits.

Yes, some insurance providers cover the cost of premium lenses during cataract surgery. However, not all insurance providers cover the cost of premium lenses. Before purchasing any insurance policy, you must thoroughly check and read the documents.

Yes, some insurance providers cover the cost of premium lenses during cataract surgery. However, not all insurance providers cover the cost of premium lenses. Before purchasing any insurance policy, you must thoroughly check and read the documents.

People with vision loss that makes it difficult for them to do daily tasks like driving, reading, or watching TV are usually advised to get cataract surgery. When suggesting cataract surgery, the doctor may also consider other factors, such as age, genetics, high UV exposure, and certain medications.

People with vision loss that makes it difficult for them to do daily tasks like driving, reading, or watching TV are usually advised to get cataract surgery. When suggesting cataract surgery, the doctor may also consider other factors, such as age, genetics, high UV exposure, and certain medications.

Yes, almost all insurance providers have a waiting period for cataract surgery. Most have a waiting period of 1 to 3 years, after which you can claim the amount for your surgery. At Digit, the waiting period is two years, which comes under specific illness coverage.

Yes, almost all insurance providers have a waiting period for cataract surgery. Most have a waiting period of 1 to 3 years, after which you can claim the amount for your surgery. At Digit, the waiting period is two years, which comes under specific illness coverage.

No, not every policy covers cataract surgery. However, Digit provides coverage for cataract surgery in its health insurance under daycare procedures. If you have a policy other than Digit, please ensure that it includes the cost of cataract surgery.

No, not every policy covers cataract surgery. However, Digit provides coverage for cataract surgery in its health insurance under daycare procedures. If you have a policy other than Digit, please ensure that it includes the cost of cataract surgery.

No, not all health insurance covers the cost of pre-operative consultations for cataracts. But Digit provides you coverage for the cost of your pre-operative consultation with the doctor, depending on the number of days you opt for or mention in your policy.

No, not all health insurance covers the cost of pre-operative consultations for cataracts. But Digit provides you coverage for the cost of your pre-operative consultation with the doctor, depending on the number of days you opt for or mention in your policy.

Yes, Digit covers the cost of intraocular lenses (IOLs) only if they are Monofocal. However, Digit does not cover multifocal IOLs.

Yes, Digit covers the cost of intraocular lenses (IOLs) only if they are Monofocal. However, Digit does not cover multifocal IOLs.

Yes, there are some chances that you will have to pay additional out-of-pocket costs associated with cataract surgery. This is because some insurance providers have sub-limits on the total amount you can claim for the cataract surgery. Always check and read the documents to ensure that you are not encountering any additional out-of-pocket costs for cataract surgery.

Yes, there are some chances that you will have to pay additional out-of-pocket costs associated with cataract surgery. This is because some insurance providers have sub-limits on the total amount you can claim for the cataract surgery. Always check and read the documents to ensure that you are not encountering any additional out-of-pocket costs for cataract surgery.

There are several factors you may consider before choosing a health insurance plan for cataract surgery. These factors include: Coverage Benefits Policy Premium Hospital Network Total Sum Insured

There are several factors you may consider before choosing a health insurance plan for cataract surgery. These factors include:

• Coverage Benefits
• Policy Premium
• Hospital Network
• Total Sum Insured

You can get a separate vision insurance plan to cover cataract surgery, but buying health insurance is more advantageous as it comes with additional benefits and coverage that could also cover your overall health.

You can get a separate vision insurance plan to cover cataract surgery, but buying health insurance is more advantageous as it comes with additional benefits and coverage that could also cover your overall health.

Yes, some people are unfortunately more prone to cataracts than others. Some of the risk factors include: Increasing age Heavy alcohol intake Regular smoking Obesity High blood pressure Previous eye injuries Family history of cataracts High sun exposure Diabetes Exposure to radiation from X-rays and cancer treatments

Yes, some people are unfortunately more prone to cataracts than others. Some of the risk factors include:

• Increasing age
• Heavy alcohol intake
• Regular smoking
• Obesity
• High blood pressure
• Previous eye injuries
• Family history of cataracts
• High sun exposure
• Diabetes
• Exposure to radiation from X-rays and cancer treatments

No, so far, there is no alternative to cataract surgery. Hence, health insurance is essential to cover the expenses incurred due to cataracts so that you don't have to pay any costs yourself.

No, so far, there is no alternative to cataract surgery. Hence, health insurance is essential to cover the expenses incurred due to cataracts so that you don't have to pay any costs yourself.

No, not all health insurance provides coverage for pre- and post-surgery expenses. However, Digit has something more for you. 🙂 At Digit, we cover your pre and post-surgery expenses depending on the policy you have, which includes costs involved in diagnosis, tests, doctor’s consultation, and recovery.

No, not all health insurance provides coverage for pre- and post-surgery expenses. However, Digit has something more for you. 🙂 At Digit, we cover your pre and post-surgery expenses depending on the policy you have, which includes costs involved in diagnosis, tests, doctor’s consultation, and recovery.

No, cataract surgery cannot be performed on both eyes simultaneously. Doctors suggest keeping a week to one-month gap between the surgeries for both eyes. This is done to ensure that your first eye is healed completely and your vision is stabilized before having another surgery.

No, cataract surgery cannot be performed on both eyes simultaneously. Doctors suggest keeping a week to one-month gap between the surgeries for both eyes. This is done to ensure that your first eye is healed completely and your vision is stabilized before having another surgery.

The document requirement depends on the type of claim you are requesting from your company. For Cashless Claim: You are just required to fill out the form given by TPA at the hospital and don't need to submit any document. For Reimbursement: In this, you need to submit your health invoices, medical bills, doctor’s prescriptions and other relevant receipts.

The document requirement depends on the type of claim you are requesting from your company.

• For Cashless Claim: You are just required to fill out the form given by TPA at the hospital and don't need to submit any document.
• For Reimbursement: In this, you need to submit your health invoices, medical bills, doctor’s prescriptions and other relevant receipts.

Yes, cataracts can be prevented primarily by maintaining your eye health and overall well-being as well. Some of the ways to prevent cataracts include wearing sunglasses in the sun, having a regular eye checkup, eating healthy food, avoiding smoking, maintaining a healthy weight, etc.

Yes, cataracts can be prevented primarily by maintaining your eye health and overall well-being as well.

Some of the ways to prevent cataracts include wearing sunglasses in the sun, having a regular eye checkup, eating healthy food, avoiding smoking, maintaining a healthy weight, etc.