Cashless eye surgery
Empanelled with more than 30 insurers and TPAs. Bring your health card and photo ID — our insurance desk files the pre-authorisation, follows it up, and settles directly with your insurer.
In a cashless claim, Clear Vision bills your insurer directly so you do not pay the covered amount yourself. After your consultation our insurance desk submits a pre-authorisation with the diagnosis, planned procedure and estimated cost. Approval for planned cataract surgery typically comes back within a few hours to two working days. On discharge you settle only what the policy does not cover — usually non-medical consumables or a premium lens upgrade. The service is free of charge.
How it works, step by step
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Consult
Your surgeon examines you and confirms the diagnosis and the recommended procedure. You receive a written estimate.
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Submit
Bring your health card and photo ID to the insurance desk. We complete and file the pre-authorisation form on your behalf.
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Approval
Your insurer or TPA responds with an approved amount. For planned cataract surgery this is usually a few hours to two working days.
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Surgery
Admission and surgery proceed with no payment for the approved portion. You pay only what falls outside the policy.
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Settlement
The hospital bills your insurer directly. You leave with the discharge summary and all documentation.
What to bring
- Health insurance card, or the policy number
- Government photo ID — Aadhaar, PAN or passport
- Doctor's prescription and previous eye records
- Employee ID, for corporate or group policies
- Proof of relationship, if the patient is a dependant
Keep the originals with you on the day — the desk takes copies.
What may not be covered
- Policy sub-limits — many policies cap the amount payable per eye for cataract
- Waiting periods — commonly two years from the policy start date
- Premium lens upgrades beyond the approved amount
- Non-medical consumables, as defined by your insurer
- Elective procedures such as LASIK, in most policies
We tell you these numbers before you choose a lens, not after.
Thirty-plus insurers and TPA administrators
Partner lists change from time to time. Please confirm your specific policy on +91 79000 03736 before your visit.
Insurance companies
- Bajaj Allianz
- HDFC Ergo
- ICICI Lombard
- Care Health
- Star Health
- Niva Bupa
- New India Assurance
- Oriental Insurance
- National Insurance
- United India
- Reliance General
- SBI General
- Tata AIG
- Cholamandalam MS
- Future Generali
- Aditya Birla Health
TPA administrators
- Mediassist
- Vidal Health
- Heritage Health
- United Healthcare
- Paramount TPA
- Raksha TPA
- MDIndia
- Family Health Plan
Insurance, answered plainly
How does cashless eye surgery work?
In a cashless claim the hospital bills your insurer directly, so you do not pay the covered amount yourself. After your consultation, our insurance desk submits a pre-authorisation request with the diagnosis, the planned procedure and the estimated cost. The insurer responds with an approved amount, usually within a few hours to two working days for planned cataract surgery. On the day of discharge you settle only what the policy does not cover.
What documents do I need for a cashless claim?
- Health insurance card or policy number
- Government photo ID — Aadhaar, PAN or passport
- Doctor's prescription and previous eye records
- Employee ID, for employer or group policies
- Proof of relationship, if the patient is a dependant
Keep the originals with you on the day of admission — the insurance desk will take copies.
Is cataract surgery covered by health insurance in India?
Yes. Cataract surgery is covered by virtually every health insurance policy in India, subject to the policy's waiting period — commonly two years from the start of the policy. Many policies also apply a sub-limit, capping the amount payable per eye. The sub-limit is the most common reason a patient has something left to pay, and our desk will tell you that number before you decide on a lens.
What if my insurer rejects the cashless request?
A cashless denial is not the same as the claim being rejected. It usually means the insurer wants the claim processed as reimbursement instead, or that a document is missing. You can proceed with surgery, pay the hospital, and file a reimbursement claim afterwards with the discharge summary, bills and receipts — which we provide in the format your insurer needs.
Is LASIK covered by insurance?
Usually not. Laser vision correction is generally classified as elective and excluded from most standard health policies in India. Some corporate and higher-end policies cover it above a specified spectacle power, and a few cover it where there is a documented medical reason rather than a preference. Check your policy wording, or ask our desk to check it for you. See LASIK & Contoura Vision.
Do you charge for handling the insurance paperwork?
No. Pre-authorisation, follow-up with the TPA and direct settlement are handled by the hospital at no charge. You should not be paying anyone a fee to process your own claim.
Let us check your policy first
Call with your policy number and we will confirm empanelment, waiting period and sub-limit before you travel.