What is Eye Surgery Cover?

Compounding medical inflation has made even essential healthcare treatments expensive. Even the most commonly performed and popular procedures, like eye surgery, remain inaccessible to many people owing to high medical costs. 

 

At such times, having an exclusive Eye Surgery Cover from a reputed insurer like Aditya Birla Health Insurance proves to be a perfect addition to your financial plan as it helps you avail of the best treatment without worrying about expenses. 

 

So, if you are looking to safeguard the most vital sensory organ, the eye, from potential harm, consider investing in the Group Protect - Eye Surgery Cover, available to you at a premium of only Rs. 599/year against a sum insured of Rs. 20,000.

 

Check out the details below to know more about this policy’s cover.

Key Features of the Eye Surgery Cover?

Here is a compilation of points that make this Eye Surgery Cover a must-have:

Coverage Against A Second Medical Opinion

You can tele-consult with about seven medical specialists across different areas. These include nutrition, internal medicine, dermatology, gynaecology, paediatrics, orthopaedics, and ophthalmology.

Coverage Against Hospitalisation Expenses

The Eye Surgery Cover offers insured members coverage against hospitalisation expenses required at the time of surgery, which includes a general or economy ward only.

Reimbursement for Additional Treatment Expenses

Any other expenses, such as transport via ambulance or doctor visits close to the surgery period, are covered under this plan, should it be a case of emergency.

How to Apply for the Eye Surgery Cover?

The application process for this Eye Surgery Cover plan is quick and trouble-free. Just check the instructions below for better clarity.

  • Click on Buy Now

    Tap on the Buy Now button on the product page of the site.

  • Fill in the Basic Details

    Share your basic details in the online application form.

  • Confirm your Application

    Review the details and confirm your application by entering the OTP received on your registered mobile number or email address.

  • Make the Payment

    Pay the premium amount through debit/credit card, UPI, mobile wallet, or other online payment modes.

 

This is how simple the process is! Once the payment is made, you will receive your membership details on your registered number or email address.  

 

What's Covered under the Eye Surgery Cover?

  • Coverage for Ophthalmology

    This plan provides exclusive coverage of up to Rs. 20,000 with a premium starting at Rs. 599/year for basic eye tests and a visit to an ophthalmologist.

  • Coverage for Tele-consultation for OPD

    This Eye Surgery Cover offers coverage to tele-consult about seven medical specialists from internal medicine, gynaecology, orthopaedics, nutrition, dermatology, paediatrics, and ophthalmology. Additionally, teleconsultation for OPD with a general physician is also covered under this plan.

  • Coverage for Additional Expenses

    Any additional expenses incurred at the time of admitting the patient through an ambulance get covered under this Eye Surgery policy up to Rs. 1000 for every incidence in case of an emergency.

Policy Plan Details & Specifications

The following are some of the details and specifications of the Eye Surgery Cover:

Sum Insured

Premium

Rs. 20000

Rs. 599

What's not Covered under the Eye Surgery Cover?

Below, find the details of the exclusions of the Eye Surgery Cover:

1. Pre-Existing Illnesses

This exclusive Eye Surgery Cover plan does not cover any pre-existing conditions till 4 years are elapsed. 

2. Conditions other than those mentioned in the Policy 

Any sickness other than the one given under this policy, i.e., eye surgery, will not be covered in the plan. 

3. Physical Consultations

The Eye Surgery Cover provides coverage for teleconsultation for OPD with general physicians and specialist doctors but does not offer coverage for physical consultations.

How to Make a Claim

Here is how you can raise a claim:

● Call

Call on 1800-270-7000 to seek clarity on your insurance plan. Your claim will be registered by our representative on call. 

● Email

You may reach out to the team at healthinsurance@adityabirlacapital.com and mention the policy number, and other details.

Customer Care Details

In case you have any questions concerning the benefits offered under the policy and the things that are excluded, you can drop an email at insuranceconnect@bajajfinservmarkets.in

Frequently Asked Questions

  • ✔️What is the initial waiting period for this cover?

    The initial waiting period for the Eye Surgery Cover is 30 days. 

  • ✔️What is the minimum premium charged for this policy?

    The minimum premium charged for the Eye Surgery Cover is Rs. 599/year, inclusive of taxes.

  • ✔️Does the Eye Surgery Cover provide coverage for physical consultations?

    No. The Eye Surgery Cover only provides coverage for tele-consultations with a general physician, internal medicine, dermatology, gynaecology, nutrition, orthopaedics, paediatrics, and ophthalmology.

  • ✔️Can the insured members apply for coverage for pre-existing conditions that may emerge during surgery?

    No, the Eye Surgery Cover does not provide coverage for pre-existing conditions till a waiting period of 4 years is complete. 

  • ✔️Can I receive the policy details on WhatsApp?

    Yes, once the payment for the premium is made, you will receive the details of your plan on WhatsApp and your registered email. 

  • ✔️Can I discontinue the policy anytime during the stipulated tenure?

    Yes, the insured member can discontinue their policy anytime by notifying the customer care team or dropping an email to the official email address. If the member applies for cancellation within 30 days from the policy purchase date, they are eligible to receive a full refund payment. But note that it is only applicable if you have not made any claim till then.

  • ✔️Is hospitalisation covered under this plan?

    Yes, hospitalisation that may be required during surgery gets covered under the Eye Surgery Cover plan. However, the eligible room type under this cover is the general and economy ward only. All other additional expenses are as per the room rent restriction.