Our eyes are a marvel of evolution, providing us with the incredible ability to see and experience the world around us. It lets us see the world, experience our blissful environment, and perform daily tasks. But unfortunately, cataracts are a common eye condition in India that can lead to vision loss or blindness if left untreated.
Cataract surgery is a highly effective treatment, but it can be expensive, making cataract health insurance an essential consideration. With most health insurance plans covering cataract surgery, it provides financial security and peace of mind for those who may be at risk of developing cataracts. This blog will discuss the importance of cataract surgery insurance in India and why individuals must have this health insurance policy coverage.
What Is A Cataract?
A cataract is a common eye condition that occurs when the eye’s clear lens becomes opaque or cloudy, leading to a decreasing quality in vision. Cataracts can develop slowly or rapidly and occur in one or both eyes. Although cataracts are typically associated with ageing, they can also be caused by trauma, certain medications, or underlying health conditions, such as diabetes, radiation therapy, etc.,
There are several types of cataracts, including:
- Nuclear cataracts – Develop in the centre of the lens and are associated with ageing.
- Cortical cataracts – Develop in the outer layer of the lens and progress from the edges to the centre.
- Posterior subcapsular cataracts – Develop at the back of the lens and can progress rapidly in the eyes.
- Congenital cataracts – Present at birth or develop during infancy and can seriously affect vision development.
- Traumatic cataracts – Develop in individuals after an eye injury or trauma.
- Secondary cataracts – Developed due to certain medical conditions or medications.
Some of the reputed health insurance providers such as Tata AIG, offer customisable products to ensure a cataract cover in health insurance to help individuals afford a treatment to such eye conditions.
Why Is Cataract Health Insurance Required?
Cataract health insurance is a type of health insurance plan that covers the cost of cataract surgery and related medical expenses.
Cataract medical insurance is important for the following reasons:
Cataract Surgery Is Expensive
Cataract surgery is one of the most common surgical procedures performed in India. While the cost of cataract surgery varies depending on the hospital and the type of surgery, it can be quite expensive.
There are three most common types of surgeries performed in India:
- Phacoemulsification – Phacoemulsification, also known as “Phaco”, is the most common and advanced cataract surgery technique. The process involves using ultrasound waves to break up the cataract and then removing it through a tiny incision. The cost of phaco surgery in India can range from ₹15,000 to ₹35,000 for one eye depending on the type of lens used.
- Extracapsular Cataract Extraction(ECCE) – ECCE is an older cataract surgery technique that involves removing the cloudy lens in one piece through a larger incision. The cost of ECCE surgery in India can range from ₹25,000 to ₹40,000.
- Laser-Assisted Cataract Surgery – Laser-assisted cataract surgery is a newer and more advanced technique that uses a laser to create incisions and soften the cataract. The cost of laser-assisted cataract surgery in India can range from ₹30,000 to ₹1,50,000, depending on the type of lens used and the surgeon’s experience.
Note: The cost can vary based on the city, hospital and the services offered.
Health Insurance Covers The Cost Of Cataract Surgery
Cataract surgery insurance provides financial security for individuals at risk of developing cataracts, ensuring they can access the necessary treatment without financial burden.
Here are some of the benefits of cataract insurance:
- Cataract surgical cover – Most health insurance plans cover the cost of cataract surgery, including pre and post-operative expenses, hospitalisation charges, doctor fees, and medicines.
- Access to quality treatment – Cataract health insurance ensures the policyholder can access quality treatment without worrying about the financial burden.
- Cashless Facility – Cataract health insurance plans offer a cashless facility, which means the policyholder can get the treatment without paying any upfront charges at a network hospital.
- Reimbursement – If the policyholder undergoes treatment at a non-network hospital, they can claim reimbursement for the medical expenses.
- Tax Benefits – Tax benefits of health insurance is an additional benefit. The premium paid towards cataract health insurance is eligible for tax deductions under Section 80D of the Income Tax Act.
Cataract Surgery Is The Only Best Solution
Cataract surgery is currently the only cure for cataracts, as no medications or eye drops can reverse the condition. Early detection and timely surgical intervention are crucial to prevent vision loss and maintain good eye health. Cataract surgery is safe and effective, restoring vision and improving quality of life. And, a cataract cover in health insurance can streamline a path towards a speedy recovery.
Factors To Consider Before Purchasing Cataract Surgery Insurance
Before purchasing cataract insurance, it is essential to consider a few factors.
- Check if the policy covers cataract treatment, including the cost of surgery and post-operative expenses.
- Review the policy’s terms and conditions, including the waiting period and exclusions.
- Check the policy’s network of hospitals and doctors to ensure you have access to quality treatment.
- Compare different policies and choose one that offers comprehensive coverage at an affordable premium.
Conclusion
A cataract is a prevalent eye condition that can lead to vision loss and affect the quality of life. Cataract surgery is the only effective treatment for the condition, and it is essential to seek timely medical intervention to prevent vision loss. Cataract health insurance offers financial security to individuals undergoing cataract treatment, covering the cost of surgery, hospitalisation, and post-operative expenses.
