Cashless eye surgery in Varanasi
Cashless surgery means you don't pay upfront — the hospital bills your insurer directly, with a small (usually zero) co-pay from you at discharge. Shantanu Netralaya is on the panel of every major Indian and international health insurer, which means fewer patients get stuck in refund-loop hell.
Why patients choose us for this care
Star Health, HDFC ERGO, ICICI Lombard, Bajaj Allianz, Care, New India Assurance, National Insurance, Oriental, United India, Aditya Birla, Niva Bupa, Manipal Cigna, Reliance, Future Generali, Iffco Tokio, TPAs (MedGate, Vidal, Paramount, Medi Assist).
We do all the paperwork. Pre-auth requests go out within 2 hours of admission; approvals typically return same-day.
If your policy has a room-rent cap, we tell you the exact top-up before you consent to admission — no surprises at discharge.
Standard IOL covered by insurance; the premium IOL upgrade is paid separately. This is the industry norm; we make it transparent.
Discharge summary + investigation reports + implant sticker — everything you need for future claims filed within 24 hours.
Services & pages related to this specialty
Credentials — Dr. Shantanu Kumar Gupta
Real (anonymised) case scenarios from our clinic
Toric IOL cataract — Star covered surgical package fully, patient paid only the toric IOL upgrade top-up. Total out-of-pocket: ₹18,000 for a ₹60,000 procedure.
Bilateral trifocal cataract — corporate policy covered surgery + IOL fully. Zero co-pay.
Pre-existing cataract in policy exclusion period. We flagged this on Day 1, saving her from a rejected claim shock later.
You should consult if you have any of these
- Anyone with an Indian health insurance policy
- Corporate group insurance holders
- Anyone unsure whether their policy covers eye surgery — bring the policy PDF; we'll check
What a consultation actually looks like
- 1Policy check on arrivalWe call your TPA to confirm coverage before you even see the doctor.
- 2Consultation & surgical planThe doctor recommends the appropriate procedure and IOL.
- 3Pre-authorisation uploadDocuments + estimate uploaded within 2 hours.
- 4Approval within 24 hoursFor elective cases. Emergency cases pre-authorised same day.
- 5Surgery + discharge with all claim documentsReady for future audit.
Frequently asked questions
Which insurance policies does Shantanu Netralaya accept for cashless?+
How long does pre-authorisation take?+
Are premium IOLs covered under cashless insurance?+
What if my claim is rejected?+
Do I need to bring anything special for cashless admission?+
Ready to book?
Same-week appointments are common. Bring your previous reports, medications and glasses to the visit.
This article is for patient education. It is not a substitute for personalised medical advice, examination or diagnosis. If you have symptoms discussed here, please book an in-person consultation with a qualified ophthalmologist.