Does ICICI Lombard Health Insurance Cover Cataract Surgery?

Cataract surgery is an essential procedure for people seeking to restore clear vision and improve their quality of life. This operation is quite common in India but comes with a substantial expense that not everybody can afford. For those with ICICI Lombard health insurance, read on to know if cataract surgery is covered by your policy.

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      What is Cataract Surgery?

      Cataracts are cloudy spots in the lens of your eye that are commonly associated with age and can lead to vision problems. The only effective way to remove a cataract is through surgery.

      During surgery, an ophthalmologist removes the cloudy natural lens and replaces it with an Intraocular Lens (IOL), which is a clear artificial lens. However, doctors recommend surgery only if cataracts significantly limit your ability to perform everyday tasks.

      In India, the average cost of cataract surgery can vary widely, ranging from ₹50,000 to ₹1,27,000. This variation depends on the city, type of hospital, quality of lens used, and the specific surgical technique performed. Although this cost may be affordable for some, it may be expensive for others, making health insurance crucial.

      So, if you have an ICICI Lombard health plan, let us determine whether it covers the cost of treating cataracts.

      Is Cataract Surgery Covered by ICICI Lombard Health Insurance?

      Yes.

      ICICI Lombard health insurance policies do cover cataract surgery as a day care procedure. This is because the surgery takes only a few hours and does not require hospitalisation for more than 24 hours. Some of the top ICICI Lombard health plans that cover cataract surgery include Health AdvantEdge, Elevate, Max Protect, Health Booster, Health Shield 360, and Golden Shield.

      However, some ICICI Lombard health plans may cover cataract surgery up to a specified limit. For example, the Golden Shield plan offers coverage for a cataract operation for up to a limit ranging from ₹25,000 to ₹75,000 per eye, depending on the opted sum insured.

      Waiting Period for Cataract Surgery Under ICICI Lombard Health Insurance

      Cataract surgery expenses are not covered from the inception of your ICICI Lombard health policy. Instead, they come with a standard waiting period of 24 months. This means you can claim the cost of the cataract eye operation only after 24 months of continuous coverage.

      However, if cataract was diagnosed before the policy purchase, it will be considered a pre-existing condition and fall under the "waiting period specified for pre-existing diseases" category. According to ICICI Lombard General Insurance Company, pre-existing conditions will be covered after a waiting period of 24 to 48 months, provided the condition was declared at the time of buying the policy.

      Also, to avoid last-minute issues, carefully review your policy document to understand the exact waiting period based on your condition.

      Precautions to Take After Cataract Surgery

      Following are the precautions that you must take following a cataract surgery:

      • Use the prescribed eye drops as directed by the surgeon
      • Do not wash your face using soap or face wash
      • Avoid splashing water directly into your operated eye
      • Refrain from touching or rubbing your eyes
      • Stay away from contaminated water to protect your eyes
      • Always wear protective eyewear outdoors and during activities that could expose your eyes to dust
      • Limit exposure to bright lights
      • Wear UV-protective sunglasses outdoors to shield your eyes from harmful rays
      • Wear an eye shield at night

      Final Thoughts

      ICICI Lombard health insurance for cataract surgery reduces the financial burden of treating cataracts, making the surgery more affordable. Make sure to understand your plan's details, including the waiting period and specific coverage limits, to make informed decisions. Additionally, remember to follow post-surgery precautions to ensure a smooth and speedy recovery.

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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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