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Cashless Eye Treatment — All Schemes & Insurers
Cashless & Free Eye Treatment in Lucknow — Government Schemes & Health Insurance at Mansarovar Eye Hospital
All Schemes & Insurers— Detailed List
| S.N | Insurance Company / TPA | Category | Eye Treatments Covered |
| 01 | Paramount Health Services TPA Pvt. Ltd. | TPA (Multi-insurer) | Administers cashless claims for policyholders of multiple insurance companies. Covers cataract surgery, glaucoma treatment, retinal procedures, squint surgery, oculoplasty, and all hospitalised eye surgeries. |
| 02 | Star Health & Allied Insurance Co. Ltd. | Health Insurer | One of India’s largest standalone health insurers. Covers cataract surgery, retinal surgery, glaucoma procedures, and other hospitalised eye treatments as per the policy sum insured and terms. |
| 03 | Reliance General Insurance Co. Ltd. | General Insurer | Reliance Health insurance policyholders can avail cashless eye treatment for cataract, glaucoma, retinal detachment, and other ophthalmic surgeries covered under their Mediclaim policy. |
| 04 | IFFCO-Tokio General Insurance Pvt. Ltd. | General Insurer | IFFCO-Tokio policyholders covered for cataract, glaucoma, retinal, and other hospitalised eye procedures as per their policy. Farmers and agricultural sector members can be special beneficiaries. |
| 05 | HDFC ERGO General Insurance Co. Ltd. | General Insurer | HDFC ERGO Optima Restore, Health Suraksha, and other policy holders can avail cashless cataract, retinal, and glaucoma surgeries as per their policy terms and sum insured. |
| 07 | Niva Bupa Health Insurance Co. | Health Insurer | Niva Bupa (formerly Max Bupa) Health Companion, Reassure, and other policyholders covered for cataract surgery, retinal treatment, and all hospitalised eye procedures as per policy terms. |
| 08 | SBI General Insurance | General Insurer | SBI Arogya Premier, Health Edge, and other SBI General policy holders are covered for cashless cataract surgery, glaucoma treatment, retinal procedures, and other hospitalised eye care. |
| 09 | ICICI Lombard General Insurance | General Insurer | ICICI Lombard Complete Health Insurance and iHealth policyholders covered for cataract, retinal, glaucoma, squint, and oculoplasty procedures. One of India’s largest non-life insurers. |
| 10 | Ayushman Bharat (via TPA/Insurance) | Govt. + TPA | Managed under TPA/insurance empanelment for Ayushman Bharat-linked supplementary insurance products. See Section A for full PM-JAY government scheme details. |
| 11 | Go Digit TPA | TPA (Multi-insurer) | Go Digit General Insurance policyholders including health and travel insurance plans covered for cashless cataract, retinal, and other hospitalised eye treatments at our hospital. |
| 12 | Park Mediclaim TPA | TPA (Multi-insurer) | Park Mediclaim administers cashless claims for multiple insurance companies. Policy holders covered for all hospitalised eye procedures including cataract, glaucoma, retinal surgery, and more. |
| 13 | Vidal Health TPA | TPA (Multi-insurer) | Vidal Health (formerly TTK Healthcare TPA) manages cashless claims for several major insurers. Policyholders covered for cataract surgery, glaucoma, retinal procedures, and other eye surgeries. |
How To Avail Cashless Eye Treatment At Mansarovar Eye Hospital
| STEP 1 CHECK | Confirm Your Scheme / Insurance — Call our helpline or visit our Insurance Desk. Tell us your scheme (Ayushman, CGHS, ECHS, Railway) or your insurance company (Star Health, HDFC ERGO, ICICI Lombard, etc.). We will confirm empanelment and cashless eligibility immediately. |
| STEP 2 DOCS | Bring Your Documents — Carry your scheme card / insurance card, Aadhaar Card, policy documents (for insurance), and any referral letters. See the documents checklist below. Our team helps with missing documents. |
| STEP 3 CONSULT | Eye Consultation & Diagnosis — Our senior eye specialist examines you thoroughly, confirms the diagnosis, and recommends the most appropriate treatment. All scheme/insurance patients are given priority appointments. |
| STEP 4 AUTH | Pre-Authorisation (We Do It For You) — Our Insurance Desk submits your pre-authorisation request directly to the TPA / insurance company / govt. scheme portal. We follow up until approval is received — usually within a few hours for most insurers. |
| STEP 5 TREAT | Surgery / Treatment — Once approved, your eye surgery or treatment is performed by our expert surgeons using state-of-the-art technology. You pay nothing (or only the non-covered component, clearly communicated in advance). |
| STEP 6 FOLLOW-UP | Discharge & Post-Operative Care — All post-op consultations, medicines, and follow-up visits covered under your scheme/policy are provided cashless. We can also submit all final claim documents on your behalf. |
Documents Checklist
| Ayushman / MMJAY ✅ Ayushman / Golden Card ✅ Aadhaar Card (original) ✅ Ration Card ✅ Registered mobile number ✅ Previous reports (if any) | Private Insurance / TPA ✅ Health Insurance Card ✅ Aadhaar Card (original) ✅ Policy document / E-card ✅ TPA pre-auth request (we process) ✅ Previous eye reports (if any) |
Frequently Asked Questions
Mansarovar Eye Hospital is empanelled with Star Health, Reliance General, IFFCO-Tokio, HDFC ERGO, Niva Bupa, SBI General, ICICI Lombard, Paramount Health TPA, Go Digit TPA, Park Mediclaim TPA, and Vidal Health TPA — in addition to all major Government schemes including Ayushman Bharat, CGHS, ECHS, and Railway Health Scheme.
Yes — cataract surgery is covered under most standard health insurance policies, subject to the policy terms, waiting period, and sum insured. Most policies require a minimum 1–2 year waiting period for cataracts. Glaucoma Surgery and many other Eye Diseases too are covered. Rest assured, some of the best eye doctors in Lucknow are available at Mansarovar Eye Hospital where leading eye specialists in Lucknow for various eye disease treatments are available. Contact our Insurance Desk with your policy details and we will confirm coverage before scheduling your surgery.
No. LASIK, SILK, Contoura Vision, ICL, and other elective refractive surgeries are not covered under health insurance policies or Government schemes as they are considered cosmetic/elective procedures. However, cataract surgery, glaucoma, and all medically necessary eye surgeries are covered.
For fully covered procedures, you pay nothing upfront. In cases where your policy has co-payment, deductibles, or non-covered components (e.g., premium IOL upgrades for cataract), we will clearly communicate the exact payable amount before surgery with complete transparency — no surprises.
Yes. If your insurer is not in our empanelment list, or if pre-authorisation is denied for any reason, you can pay for the treatment and claim reimbursement from your insurer directly. We provide all required documents — discharge summary, bills, prescriptions, and investigation reports — in the format required by your insurer.
For most insurance companies and TPAs, cashless pre-authorisation is received within 2–6 hours for planned surgeries. Our Insurance Desk submits your request immediately and follows up proactively. For Government schemes like PM-JAY, real-time authorisation is typically received on the same day.