Generally known as the clouding of one's lens, cataract has always been common among older people. While old age brings it naturally in some, it can be triggered by eye injuries to even uncontrolled diabetes, etc. Thanks to advanced systems and technology, cataract surgery is covered under every health insurance plan in India. However, you can rest assured that Care Health Insurance will cover cataracts for your old parents. Care, formerly known as Religare, is a renowned health insurance provider in India. Read on to know more about cataracts and what you can do to make them less costly.
How Does Care Health Insurance Cover Cataracts?
Luckily, most health insurance plans, including Care Health Insurance, cover cataract surgery, among others, in the case of aged parents.
Some benefits of buying Care health insurance for parents include many options for elderly citizens. Make sure that this plan provides coverage for their pre-existing diseases and other disorders they might be susceptible to.
Since cataract surgery is included among the day-care treatments, it's wise to conclude with a senior citizen health insurance policy for your parents so that there's a high sum insured.
Care Health Insurance Policies That Cover Cataracts
- Care Heart Plan: This plan offers coverage from INR 20,000 to INR 30,000 per eye for cataract treatment.
- Care Freedom Plan 1: This plan ranges from INR 20,000 to INR 30,000 per eye but excludes multifocal lens implantation.
- Super Mediclaim: This policy is available for individuals and families and covers cataract surgery only in its Operation Mediclaim variant.
- Mera Mediclaim: In this plan, the coverage limit for cataract surgery is up to INR 20,000 to INR 30,000 per eye.
- Grameen Care: Cataract treatment of the types unilateral and the one with IOL by phacoemulsification (unilateral or bilateral) is available under day-care procedures surgeries.
- Aarogya Sanjeevani Policy: Cover for cataract treatment subject to a limit of 25% of SI or up to INR 40,000 per eye, whichever is lower in a single policy year.
Let’s Check Cataracts
A cataract is an eye lens clouding that reduces a person's visibility. This area makes the cornea opaque and reduces its inflexibility. As a person grows older day by day, the lens of their eye frequently becomes thicker because of deposits.
As per an examination conducted by the government, cataract surgeries emerged as the most generally opted minor surgeries, especially in the non-urban population. This throws light on the number of Indians who need this little but the required surgical procedure. As per the estimates, 62.6% of the 12 million blinds in India have cataracts.
Read more - Some of the Diseases Covered by Care Health Insurance Plans
Cataract Symptoms to be Mindful of
Because of cataracts, a person can slowly face issues with vision as these lumps prevent them from transferring clear images to their retina. They can also create partial or complete blindness if not treated appropriately on time. In similar extreme cases, surgery is the smart option for the person to restore sight.
While this complaint is common in growing people, there are numerous cases where younger people may notice the beginning symptoms. Some of the most current symptoms of cataracts are:
- Problem seeing at night
- Blurry vision
- Seeing halos around the light source
- The faded and yellow appearance of colours
- Occurrences of double vision in the eye
- Higher light sensitivity in case of brightness
What Leads to a Cataract?
The chances of developing a cataract in a person's eyes gradually increase with age. Some other factors frequently accelerate and may contribute to this growth:
- High blood pressure
- Genetics (family history)
- Consuming alcohol excessively
- Deficiency (Vitamins)
- Prolonged use of corticosteroid medicines
With a cataract's growth, even beginning exercise like watching television, reading fine prints, driving a vehicle, etc., comes tricky. Thankfully, surgeries for cataracts have become highly advanced and hassle-free.
Conclusion
Your parents may be monetarily dependent on you. While it’s good to have them around, seeing them healthy and vibrant without any health disease causing too numerous issues must be your top priority. With affordable premiums and many charges covered, Care Health Insurance eases any burden arising due to day care treatments and other post-surgery costs.
Read more - National Health Insurance and Cataract Surgery Coverage
