Intravitreal Injections Coverage in Health Insurance

What are Intravitreal Injections?

An intravitreal injection is a noninvasive procedure in which medication is injected directly into the vitreous (the jelly-like centre of the eye) to treat retinal disorders. It falls under OPD procedures and helps reduce swelling and leakage, and stop abnormal vessel growth.

Why Intravitreal Injections are an Advanced Treatment?

Intravitreal Injections are considered an advanced treatment in ophthalmology for several medically essential reasons, such as:

• Direct Delivery to the Target Tissue: They deliver medications directly into the `vitreous cavity( jelly-like space inside the eye closest to the retina). This allows the drug to reach exactly where it's needed, which is far more effective than eye drops, tablets and injections elsewhere in the body.
• Faster Action and Higher Treatment Accuracy: Because the medication is injected directly into the eye, it acts more quickly and precisely on retinal diseases by reducing abnormal blood vessel growth and fluid leakage in the retina.
• Reduced Side Effects: By delivering medications directly into the eye, intravitreal injections reduce the risk of systemic side effects that might occur if the same medicines were given orally.

How much do Intravitreal Injections Cost in India?

The typical cost of an intravitreal injection in India ranges from ₹4,000 to ₹90,000 per injection, depending on the specific drug, the hospital and the city where the procedure is performed.

In addition to the cost of the injection itself, patients may incur expenses for doctor consultations, diagnostic tests, and follow-up visits. Because many eye conditions require multiple injections over time, the overall treatment cost can be high, making health insurance necessary to manage long-term expenses.

Does Health Insurance Cover Intravitreal Injections?

Yes, health insurance generally covers intravitreal injections because they are considered advanced treatments. However, the coverage depends on the policy terms and conditions. At Care Health Insurance, we cover advanced technology methods up to the base sum insured on an indemnity basis.

Documents Required to Claim Insurance for Intravitreal Injections

The standard documents required for claiming intravitreal injections are:

• A copy of the current health insurance policy
• Duly filled claim form
• Pre-authorisation form
• ID proof
• Original discharge summary
• Medical Practitioner’s prescription advising drugs, diagnostic tests or consultations
• Original hospital bills with a detailed breakup of the expenses
• Pharmacy bills
• Other documents required by the company to evaluate the claim

How to Claim Insurance for Intravitreal Injections?

Intravitreal Injections are covered as advanced treatment under our family health insurance plans. The treatment is eligible for both cashless and reimbursement claims, depending on the hospital type. Seeking treatment at a network hospital will allow you to file for a cashless claim. However, for a non-network hospital, you’re required to submit a reimbursement claim. Follow these steps to claim Care Health Insurance for Intravitreal Injection coverage:

Why Choose Care Health Insurance?

Here are some solid reasons for choosing Care Health Insurance as your insurance companion:

• Access to Quality Healthcare: With a vast network of more than 11,600+ hospitals and 22100+ healthcare providers, we ensure seamless access to quality healthcare whenever you need it.
• Comprehensive Healthcare Coverage: Securing health insurance with Care Health Insurance provides coverage beyond intravitreal injections, including ambulance charges, pharmacy expenses, and follow-up visits.
• Additional Benefits: You can customise your healthcare coverage and make your plan more robust by adding benefits such as unlimited e-consultations, annual health checkups, wellness benefits and lucrative discounts.

Disclaimer: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.