Cashless Eye Surgery in Varanasi: Insurance Empanelments & Ayushman Bharat at Shantanu Netralaya

When a patient is advised cataract surgery, retina treatment, glaucoma surgery, or another eye procedure, one of the first questions is:

"Will my insurance cover it?"

At Shantanu Netralaya, Varanasi, we understand that medical expenses can be stressful. That is why we have partnered with several leading insurance companies and TPAs to make treatment smoother through cashless facilities wherever applicable.

Whether you are from Varanasi, Chandauli, Jaunpur, Ghazipur, Mirzapur, Sonbhadra, Bhadohi, Ballia, Mau, Azamgarh, or other districts of Purvanchal, our team assists patients with insurance documentation and claim processing.

What is Cashless Treatment?

Cashless treatment means that if your health insurance policy covers your eye condition and your insurer has approved your treatment, the insurance company pays the hospital directly according to the policy terms.

Instead of arranging the full treatment amount immediately, eligible patients can receive treatment after completing the required authorization process.

Coverage depends on:

• Your insurance policy

• Waiting periods

• Pre-existing disease clauses

• Approved package

• Medical necessity

• Insurance company approval

Insurance Companies Empanelled

Shantanu Netralaya is associated with multiple insurance companies and Third Party Administrators (TPAs), including:

• Medi Assist

• SBI General Insurance

• Reliance General Insurance

• HDFC ERGO

• TATA AIG

• Care Health Insurance

• ManipalCigna

• ACKO General Insurance

• Bajaj Allianz

• Digit Insurance

• Navi Health

• Future Generali

• Safeway TPA

• East West Assist TPA

• Link K TPA

• AKNA TPA

(Empanelment networks may change over time. Our insurance desk can confirm the latest status before admission.)

Which Eye Surgeries May Be Covered?

Depending on your policy and medical indication, insurance may cover procedures such as:

• Cataract Surgery

• Retinal Surgery

• Vitrectomy

• Glaucoma Surgery

• Corneal Procedures

• Eye Trauma Surgery

• Selected emergency eye surgeries

Routine spectacles, contact lenses, cosmetic procedures, and standard eye examinations are generally NOT COVERED unless specifically mentioned in your policy.

Does Health Insurance Cover Cataract Surgery?

Yes.

Most modern health insurance policies cover cataract surgery after the applicable waiting period.

However, every policy has different terms regarding:

• Package limits

• Lens (IOL) coverage

• Room eligibility

• Consumables

• Co-payment

• Deductibles

Premium intraocular lenses may involve additional out-of-pocket expenses depending on your policy.

Ayushman Bharat (PM-JAY)

Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY) is one of India's largest government-funded health assurance schemes. Eligible beneficiaries can receive treatment for covered procedures at empanelled hospitals without paying eligible package costs directly. Private hospitals must be empanelled by their State Health Agency to provide services under the scheme.

If your hospital is empanelled under the scheme and your treatment falls within the approved package, you may receive cashless treatment subject to verification and authorization.

Who is Eligible for Ayushman Bharat?

Eligibility is determined by government criteria rather than income declarations alone.

Patients should bring:

• Ayushman Card (if available)

• Aadhaar Card

• Mobile Number

• Other documents requested during verification

Eligibility can be confirmed through the official Ayushman Bharat verification process before treatment.

What Documents Should You Bring for Cashless Insurance?

To make the admission process faster, carry:

• Health Insurance Card

• Government ID Proof

• Policy Number

• Previous Medical Records

• Doctor's Prescription

• Investigation Reports

• Aadhaar Card

• Passport-size Photograph (if required)

Why Patients Across Purvanchal Choose Shantanu Netralaya

Patients from Eastern Uttar Pradesh choose Shantanu Netralaya because of:

• Experienced cataract surgeons

• Medical retina services

• Advanced diagnostic equipment

• Transparent counselling

• Dedicated insurance assistance

• Support for cashless claim documentation

• Modern surgical infrastructure

Frequently Asked Questions

Can every cataract surgery be cashless?

No. Approval depends on your insurance policy, waiting period, and insurer authorization.

Can I choose any lens?

Yes, but premium lenses may not be fully covered under your insurance package.

How long does insurance approval take?

Many planned procedures receive authorization within hours to a day, though timing varies by insurer and the completeness of submitted documents.

Does Ayushman Bharat cover every eye disease?

No. Coverage depends on whether the condition and procedure are included in the approved benefit packages under the scheme.

Can your insurance desk help with paperwork?

Yes. Our team guides patients through documentation and pre-authorization requirements to help make the process as smooth as possible.

Need Help with Insurance or Ayushman Bharat?

If you are planning cataract surgery, retina treatment, glaucoma surgery, or another eye procedure and would like to know whether your insurance policy or Ayushman Bharat benefits apply, our insurance desk can assist you in understanding the process, required documents, and available cashless options.

Shantanu Netralaya
40, Deen Dayal Colony, Kabir Nagar Road, Varanasi, Uttar Pradesh