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Is Lasik Eye Surgery Covered In Health Insurance?

Published On Sep 21, 2021 12:00 PM By InsuranceDekho

Health insurance plans are meant to provide financial aid to the policyholders to compensate for the medical expenses that may incur during the hospitalization due to a medical emergency. Due to the steep rise in inflation in the health sector, the cost of basic treatment in private hospitals has increased thus leading the policyholders to exhaust their financial savings. Therefore, in order to protect the individuals from draining their finances, the health insurance providers roll out comprehensive and affordable health insurance plans that can be bought by different groups in the society. It covers for different medical expenses like hospitalisation costs, domiciliary expenses, inpatient costs, ambulance charges, room rents, etc. and it also offers perks like no claim bonuses, rewards, discounts, tax deductions, and much more. People can buy policies that cover a specific disease to get coverage for their pre-existing diseases.

Lasik eye surgery is conducted to clear the vision of the patient with blurry or cloudy vision. This surgery takes around 30 mins with the help of technological advancements. It is important to get the Lasik surgery done as it improves the quality of life of the individual and lets them see clearer. Before undergoing the surgical process, the patients are advised to seek medical advice regarding the eligibility of the process. A few days of rest is also recommended post surgery. The cost of the surgery along with other attached expenses can be incurred by the health insurance plans bought by the individuals.

About Lasik Eye Surgery

Lasik eye surgery is performed for an improved vision of the individuals. It is used to correct the vision of the people having myopia, hyperopia, and astigmatism. The surgery is done with a complex procedure and it takes around 30 mins to complete the procedure using advanced technology. Initial step for this process includes medical inspection of the eye condition by the experts, and checking of the eligibility. It is considered to be one of the effective treatments for a better vision as it helps the people regain their perfect vision.

Is Lasik Eye Surgery Covered In Health Insurance?

The cost of Lasik eye surgery can cost a lot in private hospitals as there has been a rapid rise in inflation in the health sector. To offer the individuals financial backup at an affordable price, some health insurance providers include the cost of Lasik surgery in their regular health insurance plans. The average cost of a Lasik surgery can range from Rs. 40,000 to Rs. 80,000 which is high for a middle class income individual. It is important to invest in a health insurance plan covering Lasik eye surgery costs, for which you must carefully go through the policy related documents of the purchased plan. Also, to choose a suitable plan covering Lasik surgery, you must compare and research various plans online as not all plans cover the cost of Lasik eye surgery. The age of 18 to 40 years is generally considered ideal for Lasik surgery and the other eligibility criterias depend on the condition of your vision.

Must Read: Things to Consider When Making Health Insurance Claim

Inclusions In Health Insurance Coverage For Lasik Eye Surgery

There are some basic inclusions in the health insurance plans for Lasik eye surgery coverage. Following are the conditions for which coverage under your purchased health insurance plan can be availed for Lasik eye surgery:

  • Eye surgery due to refractive error caused by an injury or accident.
  • Eye surgery due to refractive error caused by another surgery.
  • Eye surgery for severe refractive error.

Along with the basic inclusions also make sure to carefully go through the policy terms and the exclusions so that there is no inconvenience at the time of claim settlement process.

Conclusion

Lasik surgeries are included in the health insurance plans but it is limited to certain health insurance providers. Several policy terms are also included with the basic coverage which the policyholder must go through to avail the benefits of the Lasik eye surgery cover under your health insurance plan.

Also Read: Is Cataract Surgery Covered In Health Insurance?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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