- This topic has 6 replies, 4 voices, and was last updated 1 year, 4 months ago by
.
-
Posts
-
-
UI have the Star Health Assure Plan and recently inquired about cataract surgery coverage. Customer care mentioned that there’s no specific limit on the surgery cost and even there is no limit mentioned in policy. I’m considering getting a trifocal lens, which costs around ₹1.25 lakh per eye.
Has anyone undergone cataract surgery with this plan and successfully claimed for a high-cost lens like trifocal? Were there any hidden caps or restrictions during the claim process? Would really appreciate any insights or personal experiences!
-
N
I have heard most insurers restricting cataract surgery cost to the cheapest monofocal lenses.
There is a clause in all policies that only customary and reasonable charges would be applicable. This clause is as vague as it can get and used to deny higher cost lensBest is to check with the hospital on what amounts typically get approved.
-
AFinancial planner here + I recently got my cataract surgery done in December through Star. Star has a fixed sub-limit for specific surgeries which varies from policy to policy + they permit only mono-focal lenses and not the others .i.e. bi-focal/tri-focal. Though i had change my product from FHO to assured 1.5year back with increased SA from 4Lac to 10Lac, they considered only 4Lac for this operation. I got approval for only 30,000 & not 35,000 i had to pay the balance amount. Had they considered my new policy i would have got a sub-limit of 45,000.
Here’s what i suggest schedule a surgery & get your medical done & let the hospital send the quote for pre-approval, if it is approved you can go ahead with the surgery. Else you might have to downgrade the lens.
-
UIs the limit of 45000 mentioned in the policy for Assured plan. I don’t see the limit in my policy. Can you please confirm?
-
-
-
-
-
