Expert opinion on the reimbursement of cataract surgery
Social Security reimburses up to 100% of the basic rate for any consultation with an ophthalmologist specialist to diagnose cataracts. Laser eye surgery involves removing the lens and replacing it with an implant. After cataract surgery, it is recommended to wear glasses to correct distance vision.
The cost of the cataract operation excluding the implant is €271.70, covered by social security. Ocular implants are not reimbursed and their average cost is €1400 per eye, so it is recommended to have complementary health insurance covering them. As for the reimbursement of a multifocal implant, it can also be covered by your mutual according to the services of its optical pole.
What reimbursement for cataract surgery by Social Security?
Social Security reimburses the cataract operation at 100% of its reimbursement basis, set at €271.70. You will therefore be reimbursed €271.70.
To reduce your health expenses, it may be interesting to take out mutual health insurance which will supplement the part not covered by Social Security.
What reimbursement for cataract surgery by mutual health insurance?
To supplement Social Security reimbursements, many people choose to take out good health insurance. This will compensate you for all or part (depending on the contract taken out) of the remaining charge.
Complementary health insurance has two ways of expressing the amount of your reimbursement: as a flat rate or as a percentage. In the case of the package, your mutual health insurance grants you a fixed sum to spend every year. In the case of the percentage, your mutual reimburse you according to a percentage of the Social Security reimbursement base. The higher this percentage, the better your refund will be.
To find a mutual insurance company adapted to your needs and your health expenses, do not hesitate to use our online and free comparator (at the top of this page) to quickly obtain a quote. If necessary, our experts will be available by phone to support and advise you.