Cataracts are a common effect of aging that can cause blurry vision. This condition can be treated with surgery, during which the cloudy lenses are replaced with artificial ones. The procedure typically costs around ₹1 to 1.25 lakh. However, even if you have a comprehensive insurance policy for cataract surgery, you may still have to pay more than half of the total cost out of pocket.
This often happens because of something called a sublimit. These hidden limits quietly lower the coverage for certain procedures, and cataract surgery is one of the procedures most affected.
What Are Sublimit?
A sublimit is a cap placed on how much insurer will pay for a specific treatment. Even if the total sum insured is ₹10 lakh, there might be a separate, much lower limit for cataract surgery often around ₹40,000 to ₹60,000 per eye.
I.e. If your actual surgery costs ₹1.2 lakh, your insurance may still only pay ₹40,000, leaving you to pay the remaing ₹80,000.
The True Cost of Cataract Surgery
Modern cataract procedures use advanced technologies such as Phacoemulsification and premium Intraocular Lenses (IOLs). These can significantly improve outcomes, but also increase costs:
- Typical costs range from ₹80,000 to ₹1.5 lakh per eye
- Laser-assisted surgeries and premium lenses can raise the price further
If your policy includes a sublimit, you might be forced to choose a basic procedure or pay the difference yourself.
Why Sublimits Matter More Than You Think
The financial burden caused by sublimits goes beyond numbers. When you’re making a decision about your eyesight, you shouldn’t have to compromise on quality care. Yet, many people:
- Might settle for cheaper procedures even if they don’t give the best results.
- May compromise on the choice of hospitals, doctors, or the quality of lenses.
In such moments, the promise of Comprehensive Coverage starts to feel misleading.
Choosing a Plan That Offers Full Protection
As healthcare evolves, so do insurance plans. Some newer policies have started to remove sublimits, allowing you to access your full sum insured for procedures like cataract surgery.
One such plan is ICICI Lombard Elevate. It is designed with today’s medical realities in mind and offers:
- No sublimit on cataract surgeries
- Full coverage up to your sum insured
- Support for modern technologies and premium lenses
- Cashless treatment at network hospitals
- A standard 24-month waiting period for cataract claims
With a policy like this, you get the freedom to choose the treatment that’s best for your vision and your peace of mind.
Final Thoughts
Cataract surgery is often necessary—but it shouldn’t come with financial surprises. If your current health insurance includes sublimits, it may be time to reassess your coverage.
When it comes to your eyes, quality care should never be optional.
Secure Better Coverage Today
With ICICI Lombard Elevate, you get clear, reliable protection for one of the most important aspects of your health – your vision.
Disclaimer: Insurance is a subject matter of solicitation. The information shared here is for awareness purposes only. Please read the sales brochure and policy wording carefully before buying any insurance product. For personalized guidance, feel free to get in touch.