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Question regarding Cataract

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01 Sep, 2022 by  harivansh agrawal

Can the insurance company reject the claim of cataract just because the insured does not disclose he was wearing spectacles during taking the policy even though there is no question in the proposal form I know most of the proposal form is open-ended ,,,

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Health Insurance
Parents-Health-Insurance

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No the insurer cannot reject for the same, cataract surgeries are covered under health insurance though the cost of lens come with certain upper limit on the extent to which the cost will be covered.

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02 Sep, 2022
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Hi Harivansh,


Cataract claim cannot be rejected without any reasonable grounds. How old is your policy? and which insurance company/plan is it?


If you share more information, we can help you based on the policy wordings.


There is a waiting period of such illnesses/diseases, which are covered only after the initial cooling period of 24-48 months as standard procedure of various insurance companies.


Best Wishes

Rana Sahib.

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02 Sep, 2022
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Dear sir,


the insurer cannot reject for the same, cataract surgeries are covered. waiting period applied

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03 Sep, 2022
CEO, Insurance Samadhan

Dear Hari

It can not be rejected on ground of non disclosure of wearing spectacles unless ypu are using it due to some medical complications.

Cataract insurance has a limited amount say Rs 40000 and a waiting period .. This amount varies as per the plan .

Hope this clarifies


Shailesh Kumar

Insurance Samadhan

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03 Sep, 2022
harivansh agrawal
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