How often have you felt worried thinking about skyrocketing medical expenses? Despite our best efforts, quality treatment costs money, so health insurance is becoming extremely popular. At least, you have something to fall back to in the middle of medical distress.
Many people have confusion regarding if all health insurance plans are equally accepted in eye hospitals or not. After all, the majority of eye treatments are outpatient procedures and do not require hospitalisation. We’ll discuss the benefits and acceptability of health insurance in eye hospitals in Guwahati.
Medical insurance and eye treatments
Usually, personal health insurance plans cover treatment costs for eye diseases after a 30-day cooling-off period, excluding pre-existing and cosmetic eye procedures. So, you can get the cost reimbursed or opt for a cashless facility with certain conditions specific to diseases and treatments. Some common eye diseases covered under health insurances are,
- Cataract surgery – You can get cataract surgery covered under personal health insurance, but it requires a waiting period of 2 years. Corporate group health insurance plans might not need, whether disclosed or not, may not be covered within the compulsory wait period.
- Corneal disorders – Accidental damages and injuries to the cornea come under insurance coverage. Any corneal conditions which are congenital, cosmetic or avoidable do not get insurance coverage.
- Glaucoma surgery – In most cases, glaucoma is a pre-existing disease as it develops slowly and silently. Having said that, you can get insurance benefits for many glaucoma-related surgeries and treatments. Check your policy document and insurance advisors for detailed information.
- Eye investigations – The majority of eye tests and investigative procedures do not require hospitalisation. So, usually, they do not come under personal health insurance coverages.
- Prescription lens, contact lens – Cost of prescriptions lenses necessary after eye surgeries and procedures can be reimbursed using health insurance to an extent.
Eye hospitals accepting health insurance in Guwahati
If you are in Guwahati and want your eye treatment expenses covered by health insurance, it is better to know which eye hospitals you should choose. Not all hospitals accept every medical insurance, and you should be very clear before you decide to opt for surgery or eye procedures.
We have listed the top 5 eye hospitals in Guwahati that accept the majority of private and public sector health insurance plans.
- Sri Sankaradeva Nethralaya, Guwahati, is a privately-owned eye hospital with good infrastructure, medical staff and caregivers.
- The Retina Centre, Guwahati, is a multi-speciality eye hospital with a team of experienced doctors, cutting-edge diagnostic and treatment infrastructure and a reputation of affordable modern treatment facilities.
- ASG Eye Hospital, Guwahati – An eye hospital with modern treatment facilities and a good team of medical staff.
- Guwahati Eye Hospital, Guwahati is one of the oldest privately-owned eye hospitals in Guwahati with modern eye care facilities.
- The EyeCare Center is reputed for a wide range of eye care treatments and procedures with modern facilities.
The standard process for availing of health insurance
Health insurances plans and coverages are mostly standardised. However, some difference still exists depending on hospitals and treatments. So, follow these steps as a failsafe if you plan to cover your eye treatment cost with health insurance.
- Check helpdesk – Today, every reputable hospital has an insurance helpdesk where you can show your policy and enquire about insurance coverages for your specific treatments. They can also guide you on necessary documentation procedures.
- Contact insurance provider – If you have any unresolved queries, call customer care or email them requesting responses.
- Documentation – Every insurance plan comes with a policy document and insurance card. Unless specified, you can submit your insurance card along with a government-issued identity card (like AADHAR, Voter ID card etc.) to the hospital insurance desk. Also, keep your policy document ready so that you can produce it as soon as possible if required.
The Retina Centre is a tertiary eye care hospital with the latest treatments and diagnostic infrastructure. The founding principle of our organisation is to provide quality eye care within everyone’s budget. The team of experienced eye specialists at our hospital regularly treat thousands of patients with critical eye conditions from Assam, other Northeast Indian states, parts of West Bengal and Bihar.