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Does Cataract Surgery Come Under Health Insurance And The Cost Of Surgery In India?

Published On Nov 20, 2020 5:30 AM By Sakshi Aggarwal

Cataract, which is generally known as clouding of the eyes, is the most common disease among the people of India. The condition of the eyes gradually develops over time. The symptoms of cataracts in the eyes include blurred and double vision. Moreover, the condition blocks natural vision, causing great discomfort. Slowly, this leads to blindness or loss of vision. Hence, it is necessary to remove the cataract with proper eye treatment. 

Is Cataract Surgery Covered under  Insurance?

Yes, there are many health insurance plans that cover cataract surgery. With specific criteria, one can choose a plan for their cataract surgery. These criteria include a waiting period of 2 years, an average expense of Rs. 15,000–35,000, and are given in sublimity. Mostly, people prefer to buy senior citizen plans covering cataracts for their elderly members of the family. This coverage includes hospitalization, surgery, medical expenses, and post-surgery expenses as well.

Table for Cataract Health Insurance Covers

Company Name

Plan Name

Entry Age 

ICICI Lombard General Insurance

Complete Health Insurance

18 Years

Care Health Insurance

Care Freedom (Senior Citizen)

60 Years

Star Health Insurance

Senior Citizen Red Carpet Policy

18 Years

Oriental Insurance 

Happy Family Floater

18 Years 

SBI General Insurance

SBI Retail Health Insurance

18 Years 

HDFC Ergo General Insurance

Optima Senior

61 Years

Bajaj Allianz General Insurance

Health Guard

18 Years 


  • ICICI Lombard Complete Health Insurance

The complete health insurance plan offered by ICICI Lombard can be purchased after the age of 18 years. Following are the benefits that are offered  under the policy- 

  1. Cashless hospitalization
  2. Maximum tax benefit up to RS 15,000
  • Care Health Freedom

The Care Freedom health insurance plan is only available to the country's senior citizens. Hence, people over 60 years of age can buy a policy that covers the treatment for cataracts too. Besides this, following benefits of Care Health Insurance Plan are mentioned below-

  1. It provides a 100% restoration benefit.
  2. The room rent would be 1% of SI
  3. The ICU charges would be 2% of SI
  4. Pre and post hospitalisation covers up to 75% of all payable expenses
  5. Lifelong renewability
  • Star Health Senior Citizen Red Carpet

The senior citizen red carpet policy offered by Star Health Insurance is available for people over the age of 18 years. Hence, the health insurance plan will provide you with coverage against cataract from the early years of your life. Following benefits of the plan are- 

  1. The policy is available for 1 or 2 or 3 years and can be renewed.
  2. The insured sum is available in the form of an individual and a floater sum basis.
  3. All daycare procedures are covered.
  4. The fees of the surgeon, medical practitioner, consultation, and specialist cover up to 25% of the sum insured per hospitalization.
  5. There is no third-party administrator.
  • Oriental Insurance Happy Family Floater

Another best health insurance policy that provides coverage against cataracts is the Happy Family Floater Plan offered by Oriental Insurance. Some of the reasons why the Happy Family Floater Plan would be a good fit for senior citizens include: 

  1. The maximum entry age is 65 years.
  2. The term of the policy is 1 year and can be renewed for life.
  3. A premium of 5.5 % is charged if TPA services are not opted for.
  • SBI General Retail Health Insurance

 Another health insurance plan option is the SBI Retail Health Insurance Policy provided by SBI General. The basic features of the plan are mentioned below- 

  1. The maximum age of entry is 65 years.
  2. The sum insured ranges from Rs 50,000 to Rs 5 lakh.
  3. The policy term is one year.
  4. The policyholder will get a bonus of 5% of SI
  • HDFC Ergo Optima Senior 

The Optima senior plan of HDFC Ergo Health Insurance provides coverage against cataract for senior citizens above the age of 61 years. The following are the benefits of this plan: 

  1. It is exclusively for senior citizens.
  2. The expenses of inpatient hospitalisation will be covered for more than 24 hours.
  3. Cumulative bonus of 5% for every claim-free policy
  4. The sum insured can be increased only at the time of renewal.
  • Bajaj Allianz Health Guard

Bajaj Allianz's health guard plan offers cataract coverage and includes the following benefits:--

  1. The policy is renewable for a lifetime.
  2. The policy can be taken for 1 or 2 or 3 years.
  3. The in-patient hospitalization coverage includes surgeons, medical expenses, and consultant and specialist’s expenses.
  4. Daycare procedures are included in the coverage.
  5. The sub limit per eye is 20 % of the sum insured


With a variety of health insurance plans available, one must take enough time to decide what to avail of. These companies have their own terms and conditions. So, select a cataract surgery coverage plan that meets your requirements.

Also Read: 

HDFC Ergo Health Insurance Plan: Easy Steps To Renew Your Policy

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