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Does Health Insurance Provide Coverage for LASIK Eye Surgery?
A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is the right cure. Given the high cost of this laser treatment, many people ask if a mediclaim policy provides coverage for LASIK eye surgery. Let’s read on to know everything about LASIK surgery and its coverage under basic health insurance plans.
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- Does Health Insurance Provide Coverage for LASIK Eye Surgery?
What is LASIK Eye Surgery?
LASIK stands for Laser-Assisted in Situ Keratomileusis. It is an eye surgery performed to correct vision problems. This laser surgery can treat medical conditions of the eyes, such as myopia, hyperopia, and astigmatism. It is considered one of the most complicated and intricate surgeries solely because of its complex procedure.
The initial step includes testing and evaluation of the patient's condition and medical history. The information on ongoing medications and existing medical conditions help the doctor to determine whether the patient is eligible/fit for the LASIK surgery or not. Once the doctor confirms the eligibility, the patient would require a good amount of savings or health insurance plans to pay for the surgery cost.
Health Insurance Plans That Cover LASIK Eye Surgery
The mediclaim policies that provides coverage for LASIK eye surgery are as follows:
| Health Insurance Plans | Parameters |
| Aditya Birla Activ Health Insurance Plan | Covered if refractive error =>7.5 dioptres |
| Bajaj Allianz Health Infinity Insurance Plan | Covered if refractive error =>7.5 dioptres |
| Care Health Insurance Plan | Covered if refractive error =>7.5 dioptres |
| Cholamandalam Healthline Insurance Plan | Covered if refractive error =>7.5 dioptres |
| Digit Health Plus Plan | Covered if refractive error =>7.5 dioptres |
| Future Generali Health Suraksha Plan | Covered if refractive error =>7.5 dioptres |
| HDFC ERGO Optima Restore Plan | Covered if refractive error =>7.5 dioptres |
| ICICI Lombard Health AdvantEdge Plan | Covered if refractive error =>7.5 dioptres |
| IFFCO Tokio Family Health Protector Plan | Covered if refractive error =>7.5 dioptres |
| Liberty Secure Health Connect Plan | Covered if refractive error =>7.5 dioptres |
| Magma HDI OneHealth Insurance Plan | Covered if refractive error =>7.5 dioptres |
| ManipalCigna ProHealth Insurance Plan | Covered if refractive error =>7.5 dioptres |
| National Mediclaim Plan | Covered if refractive error =>7.5 dioptres |
| New India Mediclaim Plan | Covered if refractive error =>7.5 dioptres |
| Niva Bupa Health Companion Plan | Covered if refractive error =>7.5 dioptres |
| Oriental Happy Family Floater Plan | Covered if refractive error =>7.5 dioptres |
| Raheja Health QuBE Insurance Plan | Covered if refractive error =>7.5 dioptres |
| Reliance Health Wise Insurance Plan | Covered if refractive error =>7.5 dioptres |
| Royal Sundaram Lifeline Insurance Plan | Covered if refractive error =>7.5 dioptres |
| SBI Arogya Premier Plan | Covered if refractive error =>7.5 dioptres |
| Star Comprehensive Insurance Plan | Covered if refractive error =>7.5 dioptres |
| Tata AIG MediCare Plan | Covered if refractive error =>7.5 dioptres |
| United India Individual Health Insurance Plan | Covered if refractive error =>7.5 dioptres |
| Universal Sompo Complete Healthcare Insurance Plan | Covered if refractive error =>7.5 dioptres |
| Zuno (Formerly Edelweiss) Health Insurance Plan | Covered if refractive error =>7.5 dioptres |
| Zurich Kotak Health Care Insurance Plan | Covered if refractive error =>7.5 dioptres |
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*Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.
How Does a Basic Health Insurance Plan Help in LASIK Surgery?
Health expenses are very high in India. In case of a medical emergency, having a mediclaim policy can help an individual to pay his medical bills without losing all the savings. This is especially helpful for people who are the sole breadwinner of a family.
A health plan can provide financial aid in a medical emergency or to meet the expenses related to a surgery or treatment like the LASIK eye surgery. Besides, health insurance companies also provide cashless hospitalization facilities with the “Cashless Everywhere” initiative, where the medical bill is settled directly by the insurer even in the non-network hospital. The good news is all health insurance companies offer coverage for LASIK eye surgery.
Getting a basic health insurance plan for LASIK eye surgery was challenging a few years back because many insurance providers consider it cosmetic surgery. However, Insurance Regulatory and Development Authority of India (IRDAI) has notified that LASIK eye surgery will be covered under all basic health plans only if the patient's refractive error is equal to or more than 7.5 dioptres.
However, it is advisable to go through your health insurance policy document and check for the coverage conditions for LASIK eye surgery before you raise a claim.
Inclusions Under Mediclaim Policy for LASIK Eye Surgery
Take a look at a few conditions under which the coverage for LASIK eye surgery may be provided:
- Eye surgery is required because of a refractive error caused due to an injury or an accident.
- Eye surgery is required for a refractive error caused due to another surgery.
- Eye surgery is required for a refractive error of equal to or more than 7.5 dioptres.
- Eye surgery is required because the person is unable to wear glasses due to physical deformity or constant ache.
- Eye surgery is required because the person is unable to use contact lenses due to any physical limitation or lack of tolerance for contact lenses.
Note: It is advisable to check with the terms and conditions of your insurance policy for better clarity around parameters of severity for LASIK eye surgery coverage.
When is the Best Time to Get a LASIK Eye Surgery?
The age of 18-40 years is considered ideal for the laser treatment of the vision. Medical professionals suggest that it is best to undergo the surgery as soon as you complete wearing glasses for a year.
However, people above 40 years can also get a LASIK surgery done based on their health and visual needs. Also, with gradual changes in technology, the eligibility criteria for laser eye treatment may vary in future.
The Final Word
It is imperative to undergo laser eye surgery if it is an urgent requirement for the patient. Avoiding it would not be a wise decision. But since it is possible to get a mediclaim policy for LASIK Eye surgery in India, go ahead and buy a policy. However, make sure to go through the terms and conditions of the policy document before buying a plan.
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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