LASIK Eye Surgery: Ultimate Guide to Coverage with Health Insurance

Are you considering LASIK eye surgery to remove your glasses or contacts permanently? 

Then this blog will guide you to know about LASIK eye surgery, procedures, who can avail health insurance coverage options for this surgery – which will help you make an informed decision.

Note: If you’re planning for this surgery and if you’re not eligible for any health insurance cover for it, still getting it done from your own pocket will give you a clear vision without spectacles. Don’t buy health insurance keeping this surgery as the deciding factor. Health insurance has its own importance

What is LASIK Eye Surgery?

LASIK (laser-assisted in situ keratomileusis) is a laser eye surgical procedure, where a person’s dependency on glasses or contact lenses is reduced. It is a procedure that permanently changes the shape of the cornea, the clear covering of the front of the eye, using an excimer laser.

Refractive error is a common eye disorder that can sometimes be so severe that it causes visual impairment. It occurs when the eye cannot clearly focus on images resulting in blurred vision

• Myopia (Nearsightedness): Person has difficulty in seeing distant objects clearly.
• Hyperopia (Farsightedness): Person has difficulty seeing close objects clearly.
• Astigmatism: Person has blurred vision at all distances due to an irregularly shaped cornea.
  
  

LASIK Surgery and Health Insurance Coverage

LASIK Eye Surgery is generally a planned procedure, which is not medically necessary for most people at present but may be required in near future to correct visual impairment. Health insurance plans in India usually keep this treatment in the list of permanent exclusions. However health insurance plans may offer coverage under certain conditions. 

Here’s what you should consider::

Benefits of Having Health Insurance for LASIK

While LASIK surgery costs can range from ₹20,000 to ₹1,50,000 in India, health insurance can significantly reduce your financial burden. 

Here’s how:

Popular Health Insurance Plans Covering LASIK EYE Surgery (subject to policy terms):

Important Tips Before LASIK Surgery

NOTE: To get a personalised assistance for your health insurance cover with LASIK Eye Surgery, feel free to book an appointment with Algates Insurance

Frequently Asked Questions (FAQs)

• Does my insurance cover LASIK?
  As we’ve mentioned it in this blog, you can check out in the table if your insurer is available in the list. If yes, then your insurer does provide cover for LASIK Surgery.
• Can I claim LASIK surgery on health insurance?
  It depends on your specific health insurance plan. Refer to your policy document or contact your insurer for clarification.
• What is the cost of LASIK surgery in India?
  Costs vary depending on factors like technology used, doctor’s expertise, and location. Expect a range of ₹20,000 to ₹1,50,000.
• What is the Lasik Surgery Cost in Bangalore?
  Cost of Lasik surgery in Bangalore varies in the range of ₹20,000 to ₹1,50,000.
• When is the best time to get LASIK surgery?
  Typically, 18-40 years is ideal. Consult your doctor for personalised advice.

Remember, LASIK is a significant decision. By considering all the factors and consulting your healthcare professional, you can approach LASIK with confidence.