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Does New India Assurance Cover Cataract Surgery?

By Juhi Walia
11 October 2022, 11:52 AM

Firstly, New India Assurance health insurance plans cover cataract surgery. This cover will provide financial assistance to those who require surgery to correct vision problems caused by cataracts. This cover is available to all residents of India and will help make cataract surgery more affordable for those who need it. With this cover in place, New India Assurance hopes to make a positive difference in the lives of its policyholders.

New India Assurance cover for cataract surgery is a great way to ensure you are covered for this common procedure. Cataracts are a common condition that can lead to blindness, so it is important to have health insurance that will cover the cost of surgery. This cover will provide you with peace of mind, knowing that you are covered in the event that you need to have this procedure done.

What is Cataract?

A cataract is a clouding of the eye's lens, which lies behind the iris and pupil. The lens  is responsible for focusing light into the eye, and when it becomes cloudy, vision is blurred. Cataracts usually develop slowly and can eventually cause blindness. They are most common in older adults but may occur at any age. Cataracts are treated with surgery that helps remove the cloudy lens and replace it with an artificial lens.

What is Cataract Surgery?

Cataract surgery is a procedure to remove the lens of your eye and replace it with the artificial lens. The surgery is done by an ophthalmologist, a doctor who specialises in eye care.

Here is how it is carried out:

  1. First, you will have to complete the eye exam. This will help the doctor determine if you are a good candidate for surgery.
  2. If you are, the doctor will numb your eye and make a small cut in the front of your eye.
  3. They will then remove the lens and replace it with an artificial one. The cataract surgery usually takes less than an hour.
  4. Afterwards, you will need to rest your eye and avoid rubbing it. You may need to use eye drops to help with the healing.

Most people recover quickly and see an improvement in their vision within a few months.

New India Assurance Cataract Surgery Coverage

Yes, the New India Assurance Company Limited (NIACL) offers health insurance plans that cover cataract surgery. The NIACL Aarogya Sanjeevani Policy is a comprehensive health insurance policy that offers coverage for cataract surgery and other medical expenses. The policy has a sum insured of INR 5,00,000 and offers a wide range of features and benefits. It is a good option for those who are looking for health insurance that covers cataract surgery. Other than in India, mostly extracapsular cataract surgery, phacoemulsification cataract surgery, and bladeless cataract surgery are popular.

Requirements for New India Assurance policy to cover Cataract Surgery 

In order to be eligible for coverage under the New India Assurance policy for cataract surgery, the following requirements must be met:

  • The policyholder must be an Indian Citizen.
  • The policyholder must be between the ages of 18 and 65.
  • The policyholder must have a valid ID like an Aadhar card/PAN Card/voter Id.
  • The policyholder must have a valid passport.
  • The policyholder must have a valid Visa.
  • The policyholder must have a valid ticket.
  • The policyholder must have a valid medical certificate.

The waiting time for a New India Assurance cover for cataract surgery can be quite long, depending on the surgery schedule and the number of people ahead of you in line. The good news is that once you are approved for surgery, the wait time is usually not more than a few weeks. In some cases, people have to wait for some months to get surgery, so it is important to be patient and understand that the wait time is not always within the control of the health insurance company.

5 Reasons to Choose New India Assurance for Cataract Surgery

There are a number of reasons to choose New India Assurance for cover cataract surgery. Here are five of the most important reasons:

  1. New India Assurance is one of the largest and most experienced providers of health insurance in India. It has a long history of providing high quality cover for a wide range of health procedures, including cataract surgery.
  2. New India Assurance offers very comprehensive cover for cataract surgery. This includes cover for the cost of the surgery itself, as well as for any complications that may arise afterwards.
  3. New India Assurance offers very competitive prices for cataract surgery cover.
  4. New India Assurance has a wide network of hospitals and clinics that are covered by their insurance.
  5. New India Assurance offers a 24-hour helpline you can call if you have any questions about your cover or if you need to make a health insurance claim. This means that you can always get help and support when you need it.

A Look at New India Assurance

New India Assurance is one of the oldest and largest general insurance companies in India with a network of over 2000 offices spread across the country. The company offers a wide range of insurance products from health and motor to fire and marine.

It was founded in 1919 by Sir Dorabji Tata and is today a wholly owned subsidiary of the Indian government. The company was nationalised in 1973 and is today the largest general insurer in India with a market share of over 20%. New India Assurance has a strong presence in rural and semi-urban areas with over 60% of its offices located in these areas.

The company offers a wide range of insurance products which are designed to meet the specific needs of its customers. Some of the popular products offered by New India Assurance include health insurance, motor insurance, fire insurance, marine insurance, and crop insurance. The company also offers a wide range of health and motor insurance products for senior citizens.

New India Assurance has a strong focus on customer service and has a dedicated team of customer service executives who are available round the clock to assist policyholders. The company also has a wide network of Authorised Service Centres (ASCs) which provide a one-stop solution for all policy-related queries and problems.

The company has won several accolades for its products and services and is today one of the most trusted names in the insurance industry.


The New India Assurance cover for cataract surgery is a good option for those looking for an affordable and comprehensive insurance plan. It covers all the expenses related to the surgery, including the cost of the procedure, pre- and post-operative care, and follow-up visits. It also covers any complications that may arise from the surgery.

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1. Does New India Assurance cover Cataract Surgery?

Yes, New India Assurance covers Cataract Surgery under its policies.

2. What is the waiting period of Cataract Surgery?

1 year is the minimum waiting time for cataract surgery.

3. How much can I claim for cataract surgery at once?

You can easily claim 10% of the sum insured up to a maximum of Rs 25,000, but it would depend on various other factors like age, location, company, etc.

4. Is cataract surgery painful?

No, cataract surgery is not painful.

5. How much does cataract surgery cost in India?

A cataract surgery in India can cost from INR 15,000 to 1 lakh approximately.

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