LASIK or LASIK Laser is among the most commonly performed eye procedures in India and the world. LASIK is often done to reduce dependence on eyewear, such as spectacles and the use of contact lenses. LASIK corrects refractive vision disorders, including myopia (near-sightedness), hyperopia (farsightedness), and astigmatism LASIK, or Laser-Assisted in Situ Keratomileusis, eye surgery. Many patients find that this life-changing operation helps them to have perfect eyesight without depending on glasses or contact lenses. Nonetheless, depending on the technology employed and the clinic, the cost of LASIK surgery can be expensive—often ranging from ₹30,000 to ₹1,50,000.
Since, quite often, LASIK laser vision corrections are a bit costly and an optional procedure. Generally speaking, LASIK may not be covered under basic health insurance policies. Hence, knowing the exact scope of insurance and companies that provide LASIK coverage is essential.
- Which health insurance companies cover LASIK eye surgery in Punjab, India?
- 1. Health Insurance coverage for LASIK Eye Surgery
- 2. Insurance Companies that may Cover LASIK Eye Surgery
- 3. How to Get LASIK Surgery Covered by Insurance?
- Check your insurance Policy scope.
- Consider policy Add-ons or Riders.
- Rope in your ophthalmologist to determine Medical Necessity
- Check with Network Hospitals
- 4. How to Claim LASIK Surgery Under Insurance
- Conclusion
Which health insurance companies cover LASIK eye surgery in Punjab, India?
To guide you and provide an accurate understating of insurance for LASIK in Punjab and elsewhere, here is a helpful guide prepared by our counsellors at Dr. Manpreet’s Global Eye Hospital Patiala. This guides you in choosing your insurance options while thinking of LASIK Laser or any similar Laser vision procedure.
1. Health Insurance coverage for LASIK Eye Surgery
Since LASIK is thought to be mainly a cosmetic eye procedure, most basic health insurance plans usually exclude such treatments. If LASIK surgery is medically required and part of a more extensive eye care plan, some insurance companies may cover it under their coverage. LASIK surgery, for instance, can be reimbursed should a doctor decide it is essential for the insured individual’s vision and quality of life enhancement.
Some insurance companies may provide health coverage with specific medical considerations, including the following:
- Coverage under some critical illness policies includes LASIK and eye operations.
- Riders or add-ons: One might buy a rider or add-on to pay for LASIK eye surgery.
- Pre-existing conditions: Should the individual have some pre-existing eye conditions requiring corrective surgery, some insurance companies may fund LASIK treatment.
2. Insurance Companies that may Cover LASIK Eye Surgery
Although LASIK coverage is not typical of most basic health insurance plans, some private companies might cover the operation under specific conditions. Health insurance policies: some may cover LASIK should a healthcare provider decide it is required. Their accident and critical illness policies could cover LASIK, among other corrective procedures. Here is a list of companies that could cover your LASIK.
- Star Health & Allied Insurance.
- Religare Medical Insurance (Now Care Health Insurance)
- HDFC ERGO Insurance
- Lombard General Insurance, ICICI
- General Insurance, Bajaj Allianz
- Max Bupa Health Coverage
- Tata Aig Health Insurance
- Aditya Birla Health Coverage
- Niva Bupa Health Policy
3. How to Get LASIK Surgery Covered by Insurance?
If you or anyone in your family is planning to undergo LASIK Eye surgery and leverage your insurance coverage, here are some steps you can take to get a clear idea about the extent of your insurance coverage.
Check your insurance Policy scope.
Always find out from your insurer whether LASIK surgery is covered under your policy or if it is part of a more comprehensive treatment plan before having the operation. Global Eye Hospital Patiala has a TPA department with a dedicated person to guide you on the scope of your policy and the best advice on the scope of doing a cashless Lasik under health cover.
Consider policy Add-ons or Riders.
If your insurance doesn’t cover LASIK, you might be able to get an add-on or rider that does cover eye treatments, like LASIK. Many insurance plans offer riders for eye care that can help pay for it.
Rope in your ophthalmologist to determine Medical Necessity
Some insurers may cover LASIK surgery only if it is medically necessary. Obtain a report from your ophthalmologist that justifies the need for surgery based on your medical condition.
Check with Network Hospitals
Many insurers have tie-ups with hospitals and clinics. Ensure the LASIK centre you choose is in your insurance company’s network. This will simplify the process of getting paid back for your LASIK Surgery or getting a cashless treatment for LASIK.
4. How to Claim LASIK Surgery Under Insurance
- Cashless Facility: If your insurance covers LASIK and the surgery is done in a network hospital, you can opt for cashless treatment. Your health insurer will directly settle your LASIK treatment bill with the hospital.
- Reimbursement: If the surgery is done at a non-network hospital, you are asked to pay upfront and then file a claim for reimbursement with your policy provider.
- Required Documentation: Make sure to keep all necessary medical documents, including the prescription from your doctor, bills, and any pre-surgery tests.
Conclusion
“While LASIK surgery is not always covered by health insurance policies in India, several insurers with riders do provide LASIK coverage depending on the terms of the policy, the medical necessity of the surgery, or through add-ons. You can get complete information and assistance from our TPA and insurance desk at Global Eye Hospital Patiala,” says Dr Manpreet Singh. Known to be the best lasik surgeon in Patiala. While choosing your insurance, ensure to take it up with your policy-providing company. Also, figure out with your healthcare provider who can justify the medical need for the surgery.
Before opting for LASIK surgery, it’s always a good idea to check with your insurer to clarify the terms of coverage, ensure you have the proper documentation, and understand the reimbursement or cashless claim processes.
With such relevant and handy information, you can smartly reduce the financial burden of LASIK surgery and enjoy improved vision with peace of mind. Hence, in your quest to determine which health insurance companies provide coverage for LASIK eye surgery in India? The answer lies in information and consultation with your insurer and the hospital’s patient desk. With helpful guidance and staying updated, you can be eligible for full or partial insurance coverage for your LASIK eye surgery.
For quick assistance on your health policy and LASIK coverage.
Call us now at 9988661075
Visit us at SCF-36, Rajpura Road, SST Nagar, Patiala.
Tariq Masoodi is a technical content writer who specializes in strategic communications and digital media. He writes on health, eye care, and mass communication. He is fascinated by web marketing, advocacy blogs, and vlogs on all social media platforms. With over 20 years of expertise, he works with businesses around the world by pitching niche content to a targeted clientele to generate added revenues. He is a former professor of Media Studies and an alumnus of IIT Roorkee, India.