Is lasik surgery covered by insurance ?

In India, insurance coverage for LASIK (Laser-Assisted In Situ Keratomileusis) surgery varies depending on the insurance provider and the type of policy. Some insurance policies may cover LASIK surgery, while others may not.

Generally, LASIK surgery is considered an elective or cosmetic procedure and is not covered by standard health insurance policies. However, some insurance companies offer specialized policies that cover specific procedures, including LASIK surgery.

It is important to check with your insurance provider to see if LASIK surgery is covered under your policy. You should also inquire about any deductibles, co-pays, or out-of-pocket expenses that may apply.

It is also worth noting that even if your insurance policy covers LASIK surgery, there may be restrictions or limitations on the procedure. For example, there may be certain criteria that you must meet to qualify for coverage, such as

• In the case of a refractive error resulting from an injury or an accident.
• An eye surgery may be necessary for correcting a refractive error resulting from a previous surgical procedure.
• If your glass power or refractive error of 7.5 dioptres or greater.
• If the person is unable to wear glasses due to physical deformity or discomfort.

Overall, it is important to do your research and understand the details of your insurance policy before undergoing LASIK surgery.

Which insurance companies cover lasik eye surgery in India?

There are several insurance companies in India that offer coverage for Lasik eye surgery. However, the specific coverage and terms of coverage may vary depending on the insurance provider and the policy you have.

Almost all insurance companies in india may cover Lasik eye surgery and here are the list of some insurance companies.

• HDFC ERGO General Insurance
• ICICI Lombard General Insurance
• Bajaj Allianz General Insurance
• Apollo Munich Health Insurance
• Max Bupa Health Insurance
• Star Health and Allied Insurance
• Reliance General Insurance
• United India Insurance Company
• National Insurance Company
• Oriental Insurance Company
• The New India Insurance

Before getting the surgery done, it’s important to carefully review your insurance policy to determine whether Lasik eye surgery is covered and under what circumstances. It is also important to confirm with the insurance company if there are any additional requirements or criteria that need to be met before you can avail of the coverage.