Insurance And Cataract Surgery

Insurance And Cataract Surgery

The only treatment for cataracts is surgery. Surgery entails the removal of the affected cataractous lens and replacement with an artificial intraocular lens (IOL). People above the age of 80 years are very likely to develop cataracts. Many senior citizens above the age of 60 years are going to develop vision disturbance due to cataracts and will need surgery.

Surgery for cataracts is covered by insurance in most cases. The amount of coverage depends on the policy and the amount of coverage. As cataract interferes with the normal activities of the patient, being a medically necessary surgery, coverage is nearly universal and the chance of denial of a cashless facility is unlikely. While most companies give coverage for a monofocal IOL, some policies give coverage for premium lenses like multifocal or extended range of vision IOLs. Most of the policies cover the total cost of the surgery but do not cover the preoperative measurement like biometry and any post-operation medications which are advised to the patient. Sometimes the insurance company may not allow extra costs to be covered in the primary cashless surgery but ask for the patient to pay the hospital first from their pocket and then claim later as reimbursement of additional costs.

Since the specific nature of the coverage is different in most policies, it is a good idea to talk with the insurance provider before the actual surgery and also speaks to the concerned person in the hospital and be aware of the insurance coverage for cataract surgery.

Dr. Ramesh Murthy is a renowned eye surgeon and one of the best cataract surgeons in Pune, well-known for his results, experience, and friendliness. He is considered among the best eye specialists in Pune. He is available at Axis Eye Clinic, Pune which is among the best eye clinics in Pune. The staff at Axis Eye Clinic are well versed with Mediclaim and will make sure you get the most benefit from your Mediclaim policy.

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