Which Insurance Companies Cover Lasik Eye Surgery In India?

Which Insurance Companies Cover Lasik Eye Surgery In India – Are you seeking LASIK eye insurance and wondering which Indian insurance providers will pay for LASIK surgery? Yes, some insurance companies offer coverage for LASIK eye surgery. Since a majority of India’s population today has vision problems, the demand for LASIK surgery has increased significantly. However, due to the high cost of laser treatment, many people cannot afford it without insurance.

Generally, all refractive surgeries, including LASIK eye surgery, are excluded from basic health insurance plans because they are medically unnecessary cosmetic procedures. However, there are some exceptions to this clause and insurance companies follow different criteria to cover the cost of LASIK surgery. So is LASIK Eye Surgery covered by insurance? Correct The blog discusses various health insurance plans that cover LASIK surgeries, subject to certain terms and conditions. But first, let’s briefly understand what LASIK surgery is.

What is Lasik Surgery About?

Laser-assisted in situ keratomileusis (LASIK) is eye surgery to correct vision problems. This laser treatment is used to treat eye diseases such as nearsightedness, farsightedness, and astigmatism.

During the procedure, a special cutting laser is used to change the shape of the cornea to improve vision.

The cornea refracts light accurately onto the retina of eyes with normal vision. However, in cases of nearsightedness, farsightedness, or astigmatism, light is refracted incorrectly, causing blurred vision. LASIK is considered one of the most complicated surgical procedures due to its complex procedure.

The average cost of LASIK surgery varies across India. Prices can range from ₹500 per eye to ₹1,00,000 depending on the city. Blade LASIK can cost anywhere from ₹25,000 to ₹30,000. On the other hand, the cost of no-scalpel LASIK surgery can range from ₹70,000 to ₹1,00,000. Because the cost of this procedure is high, people often prefer to have LASIK surgery covered by insurance.

For affordable LASIK surgery in Patiala, Punjab, connect at +91-9855491500

Health Insurance Plans for LASIK Eye Surgery in India

LASIK surgery is only covered by insurance when the refractive error is equal to or greater than 7. 5 diopters Wondering which insurance companies cover LASIK eye surgery in India. Here are some of the best health insurance companies that cover treatment costs for LASIK eye surgery:

Aditya Birla Health Insurance: With over 5,700 hospitals in the network, all Aditya Birla Health Insurance plans cover LASIK eye surgery. The waiting period is 30 days from the contract start date.

Bajaj Allianz Health Insurance: The insurance company has over 6,500 hospitals in its network where policyholders can undergo cashless LASIK eye surgery. The insured may receive benefits after a waiting period of 30 days. All health insurance plans under Bajaj Allianz Health Insurance cover LASIK.

Care Health Insurance: Care Health Insurance provides comprehensive health plans for individuals and families. This insurer’s health plans offer LASIK eye surgery at more than 11,000 in-network hospitals. Insurance benefits will be granted after a waiting period of 30 days. 

Manipal Cigna Health Insurance: The company offers health insurance plans that cover a wide range of diseases to help policyholders get financial protection in case of emergencies. All ManipalCigna Health Insurance health plans cover LASIK eye surgery and offer cashless treatments at more than 6,000 hospitals in the network. Treatments performed within the first 30 days of the policy will not be covered.

Star Health Insurance: Star Health Insurance is one of the most reputable insurance providers in the country, with a network of over 11,000 hospitals serving cashless treatment. All company health insurance plans cover LASIK eye surgery. The program’s initial waiting period is 30 days.

The following other health insurance providers cover LASIK surgery as part of their plans:

• ICICI Lombard
• Bupa Health Insurance Niva
• Sompo International Health Insurance
• Health Insurance from TATA AIG
• India’s Phuong Dong Insurance Insurance USA
• New India Insurance.

Factors Associating the Insurance Coverage for LASIK Surgery

LASIK surgery covered by insurance may vary depending on the policy and provider. One key factor affecting insurance coverage to consider are

Type of insurance policy: One of the main factors affecting insurance coverage is the type of insurance contract. Accordingly, patients should review their needs and ensure that they are consistent with their insurance policy. 

Medical Necessity: One must ask, “Does Mediclaim cover LASIK surgery? ” The answer is that some insurance policies cover LASIK eye surgery if it is deemed medically necessary. This means the patient must have a vision problem that cannot be corrected by other means, such as eyeglasses or contact lenses. Coverage also extends to patients who are unable to wear contact lenses or glasses due to physical deformities or other physical limitations.

Age restrictions: Some insurance policies may have an age limit on coverage for LASIK eye surgery. For example, this policy may only cover surgical procedures for patients between 18 and 40 years old. 

Refractive error: Most health insurance companies cover LASIK eye surgery if the patient has a refractive error equal to or greater than 7. 5 diopters Reasons for refractive error: Coverage for LASIK eye surgery is also available if the refractive error is due to serious injury, accident or other surgical procedure.

LASIK surgery insurance claim process

The claim process for LASIK eye surgery under a health insurance policy can be cashless or reimbursed. Here is an overview of each process:

The request process is cashless

• Patients should check to see if their insurance company has a hospital or clinic in the network that offers LASIK eye surgery
• If so, they must choose an in-network hospital or clinic.
• Patients must present their health insurance card and valid identification at the hospital or clinic to initiate the cashless claim process. 
• The hospital or clinic will verify the patient’s policy details and request pre-authorization from the insurance company. 
• The insurance company will review the request and approve or deny the pre-authorization. If the prior authorization is approved, the insurance company will pay the approved amount directly to the hospital or clinic. 
• The patient will not have to pay anything out of pocket, except for any deductible or co-payment as specified on the order form. LASIK surgery insurance claim process

How can a basic health insurance policy help during LASIK surgery?

Healthcare spending is constantly increasing in India. A health insurance policy can help policyholders pay bills in the event of a medical emergency without losing all their savings. This is especially beneficial for those who are the sole earners in the family. Health insurance can provide medical assistance for certain diseases and treatments during the term of the policy. In addition, insurance companies also offer cashless care benefits at in-network hospitals, where they pay medical bills directly.