WHICH INSURANCE COMPANIES COVER LASIK EYE SURGERY IN INDIA

Wearing contact lenses and glasses can be a daily inconvenience. Contact lenses can be uncomfortable and difficult to manage, while glasses are prone to being lost, stolen, or broken.

The Solution: LASIK Surgery

LASIK eye surgery offers a permanent solution to vision problems such as nearsightedness, farsightedness, and astigmatism. By correcting these issues, LASIK can eliminate the need for glasses or contact lenses, providing a more convenient and long-term solution for vision correction.

 

LASIK Eye Surgery: Impressive Success Rates in India

According to the research on LASIK eye surgeries in India, LASIK eye surgery is a highly effective procedure for correcting vision problems by reshaping the cornea to ensure light hits the retina correctly. Here are some compelling statistics and insights about LASIK:

Success Rates:

• 99% of patients achieve uncorrected vision of 20/40 or better.
• Over 90% of patients reach 20/20 vision.
• Common Side Effects: Dry eye is the most frequently reported side effect.

For those struggling with glasses or contact lenses, LASIK offers a promising solution to improve vision and enhance daily life.

 

What is LASIK eye surgery?   

LASIK (Laser-Assisted In Situ Keratomileusis) is a popular and effective laser eye surgery that corrects vision problems such as nearsightedness, farsightedness, and astigmatism. The procedure involves reshaping the cornea—the clear front part of the eye—so that light entering the eye is properly focused onto the retina, resulting in clearer vision.

 

How LASIK Works:

• Preparation: The surgeon creates a thin flap in the cornea using a microkeratome or a femtosecond laser.
• Reshaping: The flap is lifted, and an excimer laser is used to reshape the underlying corneal tissue.
• Repositioning: The corneal flap is then repositioned, where it naturally adheres without the need for stitches.

 

Benefits of LASIK eye Surgery:

• Quick Recovery: Most patients notice improved vision immediately or within a day or two after the surgery.
• Convenience: LASIK can significantly reduce or even eliminate the need for glasses or contact lenses.

 

Common Side Effects of LASIK Eye Surgery

• Dry Eye: Some patients may experience dry eyes following the surgery, which can typically be managed with eye drops.

 

Types of LASIK eye surgeries:   

• Wavefront Guided LASIK 
• Wave Optimised LASIK
• Topography Guided LASIK 
• All-Laser LASIK   
• Femtosecond Lasik
• ReLEX Smile Treatment
• Blended Vision Treatment 
• Conventional LASIK
• Contoura Lasik

 

Health Insurance for LASIK Eye Surgery in India

If you're considering LASIK eye surgery to correct your vision, you might be wondering if your health insurance will cover it. Here are some insurance companies in India that typically offer coverage for LASIK:

1. ICICI Lombard LASIK Eye Surgery
2. Star Health and Allied Insurance
3. HDFC ERGO
4. Religare Health Insurance (Care Health Insurance)
5. Bajaj Allianz

Read More | How to Avoid Health Insurance Mistakes

Does  LASIK Eye Surgery Covers under Health Insurance ? 

Health insurance can cover LASIK eye surgery under the basic conditions that the patient has a significant refractive error due to injury or as a post-operative complication, or if the patient is unable to wear contact lenses or glasses.

Insurance coverage for LASIK eye surgery usually involves specific more conditions:

• Medical Necessity

Insurance often requires LASIK to be deemed medically necessary, such as for significant refractive errors.

• Pre-authorization

Some insurers require prior approval before undergoing LASIK surgery.

• Waiting Period

Some policies have a waiting period before they cover LASIK.

• Policy Terms

Always check your policy details to understand the coverage specifics for LASIK surgery.

Note: The above requirements may differ based on your specific insurance policy. It's recommended to discuss the exact criteria for LASIK coverage with your insurance provider to ensure you meet all requirements.

What is the LASIK Eye Surgery Cost In India?

On average, LASIK surgery in India can range from ₹20,000 to ₹1,00,000 per eye. The cost of LASIK eye treatment can vary depending on several factors, including the technology used, the reputation and experience of the surgeon, and the geographical location of the clinic. It's essential to inquire about what is included in the cost, such as pre-operative assessments, post-operative care, and any potential enhancements or revisions.

Looking for Health Insurance Coverage for LASIK Eye Surgery?

Health insurance coverage for LASIK eye surgery varies among providers and policies. Many insurers offer coverage if LASIK is deemed medically necessary or if it corrects significant refractive errors. It's crucial to check your policy details, including any pre-authorization requirements and coverage limits, to understand what your insurance will cover.

Why Prefer for LASIK Surgery?

LASIK surgery offers several benefits for individuals with vision problems:

• Convenience: Eliminates or reduces the need for glasses or contact lenses.
• Quick Recovery: Most patients experience improved vision shortly after surgery.
• Long-term Cost Savings: Over time, LASIK can be more cost-effective than purchasing and maintaining glasses or contacts.
• Improved Quality of Life: Enhances daily activities and sports by providing clearer vision without corrective eyewear.

Precautions after LASIK Eye Surgery shall be taken

1. Use a protective eye shield on the first-day post-surgery.
2. Avoid rubbing your eyes to prevent damage.
3. Limit screen time for the first three days to allow eyes to rest.
4. Keep eyes away from water for two weeks after surgery.
5. Avoid using tap water to clean the eyes to prevent irritation.
6. Shield eyes from smoke, dust, pollen, and other particles.
7. Skip washing hair for a few days to prevent shampoo from touching eyes.
8. Avoid eye makeup for at least one-month post-surgery to prevent irritation.
9. Refrain from swimming for three weeks to avoid bacteria or chemicals.

If you have checked then it’s the best time to compare directly with the insurance you have chosen and get clear information about your LASIK coverage and any requirements you need to meet.

Documents required for the LASIK eye surgery insurance

1. Medical records confirming the necessity of LASIK.
2. Pre-authorization form signed by your doctor.
3. Copy of your health insurance policy details.
4. Valid identification proof (Aadhar card, passport, etc.).
5. Completed and signed claim form.
6. Receipts for LASIK procedure and related costs.
7. Any additional documents specified by your insurer.

Over to you,

Considering LASIK eye surgery? Ensure you have the necessary documents ready to claim insurance coverage. Contact your insurer today to confirm your requirements and start your journey to a clearer vision! Compare and buy the best health insurance coverage for LASIK eye surgery which involves preparing essential documents and understanding your policy's terms. By staying informed and proactive, you can streamline the process and focus on achieving an improved vision.

FAQs

Q1. Can I undergo LASIK eye surgery?

Ans: Consult an ophthalmologist to assess your suitability based on your eye health and refractive error.

Q2. May I claim insurance for LASIK surgery?

Ans: Yes, if your policy covers it as medically necessary. Check with your insurer for specific coverage details.

Q3. How can I determine if LASIK surgery is needed for my eyes?

Ans: Schedule an appointment with an ophthalmologist who can evaluate your eye health and advise if LASIK or another treatment is suitable.

Q4. How do I check if my insurance covers LASIK surgery?

Ans: Review your health insurance policy or contact your insurer directly to understand coverage details and requirements for LASIK surgery.

Last Updated : 11-10-2024