Is cataract surgery covered under medical
insurance in India?

Cataracts are the most frequent vision problem around the world. It is generally develops in adults over the age of 40, and the risk of developing cataracts increases with the growing age.

Cataracts cloud the lens of your eyes, making your vision opaque and hazy. People have also reported seeing halos around lights and having a lot of trouble seeing in low light.

This illness develops gradually without generating discomfort, which is why most individuals miss it at first and only notice it after it has progressed to the point where it is creating trouble in daily tasks.

Surgery is the only and most successful option to remove cataracts and the eye specialist in Gwalior are regarded as providing the best cataract surgery.

Even though cataract surgery is not very expensive in India, if the costs are too high to bear out of your pocket, you can make use of the various health insurance policies available in India.

Let’s take a closer look at this subject:

Is cataract surgery covered under health insurance?

A cataract is an unavoidable eye illness for which surgery is the only cure. Unlike laser surgery, cataract surgery is not a cosmetic procedure. As a result, the majority of insurance policies include cataract treatment.

However, there are some limitations and conditions depending on the policies that apply to the reimbursement of the cost of the operation that you should be aware of before acquiring an insurance policy.

As some companies may set a claim limit while others decide on a percentage basis. Furthermore, there may be other rules that you should read and understand from your insurer to avoid any future complications at the time of purchasing the policy.

Waiting period for insurance claim

Yes, you must wait a certain amount of time before filing a claim for cataract surgery. The duration of the waiting period is up to your insurance company. For most insurance policies, the waiting period is two years.

However, it could be different for different insurance providers. Thus it is better for you should double-check with your insurer or read the policy before purchasing to avoid future misunderstandings.


There are a variety of health insurance packages available that cover cataract surgery on the market. However, each policy has its own set of terms and conditions, which you should carefully read before purchasing. Choose health insurance that best fits your needs and requirements in order to achieve your health objective. And don’t forget to discuss everything in depth with your insurance provider so that nothing should be left to chance. This will assist you in making the best and most informed decision possible.


MS, MAMS, Fellowship at Aravind Eye Hospital in Anterior Segment Microsurgery and Intra-ocular lens implantation.

Fellowship in ILADEVI CATARACT & IOL INSTITUTE under Dr. Abhay R. Vasavada, Ahmadabad.
Started Ratan Jyoti Netralaya in Gwalior on 21st April 1996.

A new setup was later started as Ratan Jyoti Netralaya, Ophthalmic Institute & Reseach Centre, Gwalior, inaugurated by former President of India, Dr A.P.J. Abdul Kalam on 15th March 2008.

First to start LASIK LASER surgery including Femto Second Laser & C3R treatment for Keratoconus and Corneal ectasia in M.P.

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