An Eye-Opener – Does Your Health Plan Cover Lasik?

Posted on: Jan 17, 2022 | | Written by:

An Eye-Opener – Does Your Health Plan Cover Lasik?

Published on January 17, 2022. EST READ TIME: 3 minutes

Health insurance policies provide you with much-needed financial aid during medical emergencies. But while a comprehensive health insurance cover can save the day on most occasions, at times, you might not be sure if a certain treatment is covered by the policy or not. Lasik eye surgery is one of those grey areas. With so many Indians suffering from issues related to vision, this treatment has gradually become popular. If in 2022, you want better vision, Lasik is something you can consider. So, let's find out if your health insurance policy will cover your Lasik eye surgery expenses.

What is Lasik eye surgery?

Lasik (short for Laser-assisted in Situ Keratomileusis) is a well-known and commonly performed surgery to correct vision problems. It is an alternative to glasses and contact lenses. During the surgery, a special type of cutting laser is used to change the shape of the dome-shaped clear tissue in the front of your eye (cornea). This precisesurgery done with the help of technological advancements improves vision. Unlike in eyes with normal vision, the cornea bends (refracts) light incorrectly onto the retina at the back of the eye in case of nearsightedness (myopia), farsightedness (hyperopia), or astigmatism. The blurry or cloudy vision is then corrected by wearing glasses or contact lenses. Lasik surgery corrects your vision by reshaping the cornea itself. The process begins with a medical inspection of the eye by an expert. Before you opt for the surgical process, ensure that you meet all the criteria to be operated on. This surgery takes around 30 minutes and instantly improves your quality of life.

Is Lasik eye surgery covered in health insurance?

The cost of Lasik eye surgery can be huge in private hospitals. The cost can be as much as INR 1 lakh, excluding post-surgery expenses. If your income is limited, this can mean a big blow to your annual budget. Therefore, a few health insurance providers include the cost of Lasik surgery in their health plans. You just need to look for such a plan and must carefully go through the policy's terms and conditions before purchasing it.

Inclusions in health insurance coverage for Lasik eye surgery

You can get health insurance cover for Lasik eye surgery if:

• The refractive error is caused by an injury or accident.

• The refractive error is caused by another surgery.

• It's a case of severe refractive error.

• You fall in the age bracket mentioned by the policy.

• The surgery is inevitable because you can't wear glasses or use contact lenses due to some physical deformity or intolerance.

Also, be aware of the exclusions so that there is no confusion during the claim settlement process.

Conclusion

Lasik is regarded as one of the most effective treatments that help people regain perfect vision. Once you undergo the surgery, follow the precautions recommended by the doctor carefully. And when buying a health plan, compare various plans online to see which one includes the cost of Lasik eye surgery and under what eligibility criteria.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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