Cataract Surgery cost in india and why health insurance matters

A cataract surgery today typically costs anywhere between ₹25,000 to ₹1.2 lakh per eye in india.

For a middle class family, this expense can significantly impact savings. For many senior citizens living on fixed incomes, it often comes as an unexpected financial burden that was not planned for.

While cataract is a common age related condition, the financial impact of its treatment is often underestimated until the need arises.

What determines the cost of cataract surgery

The cost of cataract surgery can vary widely depending on multiple factors. It mainly depends on the hospital and city where the surgery is performed. Treatment in metro cities and premium hospitals usually costs more than in smaller towns.

The type of lens used also plays a major role. Basic monofocal lenses are more affordable, while advanced lenses such as multifocal or toric lenses increase the overall cost.

Another factor is whether the procedure is basic or advanced. Laser assisted or newer surgical techniques generally cost more than conventional procedures.

Why cataract surgery should not be delayed

Cataract does not heal or reverse on its own. Over time, the condition worsens and can lead to serious complications.

If left untreated, cataract can cause progressive vision loss and difficulty in daily activities such as reading or driving. It also increases the risk of falls and injuries, especially among senior citizens.

In advanced stages, cataract can lead to complications such as glaucoma or retinal damage. Delaying surgery can make the procedure more complex and increase treatment costs.

Once cataract starts affecting daily life, surgery becomes medically necessary. It is not a cosmetic procedure. It is essential for restoring vision and improving quality of life.

The role of health insurance in cataract surgery

Considering both the medical urgency and financial burden, health insurance plays a critical role in cataract treatment.

Most standard health insurance policies in india cover cataract surgery, subject to certain conditions. These typically include waiting periods, sub limits on cataract procedures, and policy specific terms and sum insured.

With health insurance, a large portion of the surgery cost, hospitalisation expenses, doctor fees, and in some cases pre and post operative care can be covered.

Without insurance, the entire expense becomes an out of pocket cost. This often forces families to delay treatment or compromise on the quality of care.

Health insurance is not only meant for major medical emergencies. It also helps manage common but essential procedures like cataract surgery without financial stress.

A well chosen health insurance policy ensures that when medical care is needed, money does not become a barrier to timely treatment.

Review your coverage before you need it

If you are unsure whether your current health insurance adequately covers cataract surgery, it is better to review it now rather than at the time of need.

Understanding sub limits, waiting periods, and coverage details in advance can help you make informed decisions and avoid unpleasant surprises later.

Does your health insurance cover cataract surgery adequately today?

Planning early can protect both your vision and your finances.

Visit: https://www.karyamfinserv.com/health-insurance to know more.