Which Insurance Companies Cover LASIK Eye Surgery in India

LASIK eye surgery has become a common solution for refractive vision problems. It is important to know that LASIK can significantly reduce the dependency on glasses or contact lenses. The cost of the procedure is often a concern if you are looking for an answer to which insurance companies cover LASIK eye surgery in India

LASIK surgery was not covered by Indian health insurance once. This is because it was considered an elective procedure. However, in recent years, some insurance companies have started offering coverage for LASIK when it is deemed medically necessary. In this post you will know which Indian insurance companies cover LASIK eye surgery:

Insurance Companies which Offers LASIK Coverage

LASIK coverage is not included in all health insurance policies universally. However, many individuals wonder which insurance companies cover LASIK eye surgery in India. Several Indian insurers have started offering LASIK coverage in selected policies. It is essential to know that some insurance companies have extended their coverage options to include this procedure if you are considering LASIK. A few Indian insurers may provide coverage for LASIK surgery, as follows:

1. Star Health and Allied Insurance

Star Health provides LASIK coverage. This is under its Star Comprehensive Health Insurance policy. The surgery is covered when it is medically necessary and a doctor’s advice is needed. Policyholders may need to get prior authorization from Star Health before proceeding with LASIK.

Key Features

• LASIK surgery is covered when medically necessary.
• Pre-authorization and a doctor’s recommendation are required.
• Available in comprehensive health plans.

2. HDFC ERGO Health insurance

HDFC ERGO’s Optima Restore Health Insurance policy covers LASIK surgery if it is considered medically essential. HDFC ERGO requires the procedure to be recommended by an ophthalmologist and prior authorization must be obtained

Key Features

• LASIK surgery is covered under specific circumstances.
• Requires medical recommendation and pre-authorization.
• Available with additional riders for expanded coverage.

3. Bajaj Allianz Health Insurance

Bajaj Allianz covers LASIK surgery under selected health insurance policies. The insurer includes LASIK eye surgery coverage if it is medically necessary. This is with prior authorization from a professional ophthalmologist.

Key Features

• Coverage for LASIK surgery when medically necessary.
• Pre-authorization is required from the insurance provider.
• Available under select health plans with eye care coverage.

4. Care Health Insurance

Care Health Insurance (formerly Religare) provides LASIK surgery coverage under its Care Freedom Health Insurance policy. This is available for those who meet the medical criteria. The insurer requires pre-authorization and medical documentation to prove that the procedure is necessary

Key Features

• LASIK surgery is covered when medically necessary.
• Requires documentation and ophthalmologist’s recommendation.
• Available in customizable health plans.

5. New India Assurance

New India Assurance provides LASIK coverage under specific health policies. The procedure must be medically necessary, and prior authorization from the insurer is usually required. The insurer also offers additional coverage for vision correction surgeries, which may include LASIK.

Key Features

• LASIK surgery is covered under comprehensive health policies.
• Pre-authorization required.
• Available with additional vision correction coverage.

6. ICICI Lombard General Insurance

ICICI Lombard offers LASIK coverage for various health insurance policies. Coverage is provided only if the procedure is deemed medically needed by an ophthalmologist. Policyholders must obtain prior authorization before the surgery

Key Features

• LASIK surgery is covered under select policies
• Requires medical certification and pre-authorization
• Available under comprehensive health plans

Things to Consider Before Choosing LASIK Coverage

• Medically Essential

LASIK surgery will covered only if it is medically essential. You must provide proof showing that the surgery is required for treating refractive errors and not simply for cosmetic purposes.

• Prior Authorization

Many insurers require prior authorization before LASIK surgery can be covered. This involves getting approval from the insurer after submitting medical documents.

• Policy Terms

Not all policies automatically cover LASIK surgery. Be sure to check the specific terms and conditions of your health insurance policy, especially if you want to ensure LASIK is included.

• Waiting Period

Some policies may have a waiting period before LASIK coverage comes in. This means you may have to wait for a certain period of time before your insurer covers the surgery.

• Network Hospitals

You must make sure that the LASIK clinic or hospital you choose is part of your insurance provider’s network, as many insurers only cover procedures performed at network hospitals.

To Wrap Up

LASIK surgery was traditionally not covered by most Indian health insurance policies. However, it is now accessible because of the efforts of several insurers who offer LASIK coverage under specific terms and conditions. The insurance companies mentioned above are some of the leading providers. They offer coverage when the procedure is deemed medically necessary if you doubt which insurance companies cover LASIK eye surgery in India

It is essential to review your health insurance policy thoroughly. This is to confirm whether it covers the procedure if you are considering LASIK. LASIK eye surgery is an affordable option for those who want to fix their vision with the right health insurance policy. This helps bring the benefits of clearer sight within reach.