Is LASIK Surgery Covered by New India Assurance Health Insurance?

Eyesight problems are common in India. Today, children wear thick glasses right from childhood due to poor eyesight, which earlier used to happen after turning 40. However, LASIK surgery has made it possible for people to ditch their glasses and improve their eyesight. If you have a New India Assurance health insurance policy, read on to know if it covers the cost of LASIK surgery.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*(In 120+ cities)
  • Relationship manager For every customer
  • 24*7 claims assistance In 30 mins. guaranteed*
  • Instant policy issuance No medical tests*

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
Find affordable plans with up to 25% Discount**
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      valid-mobile-number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      What is LASIK Surgery?

      LASIK surgery is a laser refractive surgery performed to correct vision problems like myopia, hyperopia and astigmatism. It involves changing the shape of the cornea through a special cutting laser, which improves eyesight.

      Thus, getting a LASIK or laser-assisted in situ keratomileusis surgery done eliminates the need for wearing spectacles or contact lenses.

      A LASIK surgery can be an expensive procedure as its cost may vary from Rs 10,000 to Rs 1.2 lakh. A blade-free LASIK surgery may cost you more than surgery with a blade. Moreover, LASIK surgery is costlier in metro cities like Mumbai and Delhi as compared to Tier 2 and Tier 3 cities.

      Does New India Assurance Health Insurance Cover LASIK Surgery?

      Yes. New India Assurance health insurance plans cover the cost of LASIK surgery. They cover this surgery as a day care procedure as it does not require hospitalization of 24 hours.

      The insured can avail cashless treatment at a network provider of the insurance company. On the contrary, the patient can also get reimbursement for getting the surgery done at a non-network hospital of the insurance company.

      However, not all LASIK surgery cases are covered by New India Assurance health insurance for surgery plans. Only LASIK surgeries conducted to correct a refractive error of equal to or more than 7.5 dioptres are covered by these health plans.

      In case you have a refractive error of less than 7.5 dioptres and get a LASIK surgery done, the insurance company will deny the claim and you will have to bear the surgery cost.

      But in case you suffer from a refractive error caused by an accidental injury or as a consequence of another surgery, then all health insurance plans by New India Assurance Company will cover the surgery cost.

      New India Assurance Health Insurance Coverage for LASIK Surgery

      When it comes to LASIK eye surgery, most New India Assurance health insurance plans cover the cost of the day care procedure. It includes the doctor’s fees, surgery cost, nursing fee, operation theatre charges, cost of diagnostic tests, medical equipment and medicines. That’s not all!

      The policy will also cover any medical expenses incurred on pre-surgery consultations/diagnostics and post-surgery follow-up.

      However, the coverage available under one New India Assurance health insurance plan may vary from another. Therefore, it is important that you go through the policy wordings before buying a New India Assurance health plan for LASIK surgery. 

      Waiting Period for LASIK Surgery Under New India Assurance Health Insurance

      The cost of laser eye surgery will not be covered by your New India Assurance health policy as soon as you buy the plan. You need to first spend the applicable waiting period before a claim can be raised.

      To begin with, all New India Assurance health insurance plans come with a 30-day initial waiting period. 

      However, some plans may cover the cost of a LASIK eye surgery after a waiting period of 1 or 2 years. Therefore, it is best to check your New India Assurance insurance policy documents to know the waiting period applicable to your policy.

      In a Nutshell

      LASIK eye surgery can solve eyesight problems, which affects a large population in India. Although the surgery is an expensive procedure, you do not have to worry about arranging the money as long as you have a New India Assurance health insurance policy. However, make sure to check the coverage and the waiting period for LASIK surgery before you raise a claim.

      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Is a 10 Lakh Health Insurance Adequate in Your City?

      10 Jan 2024

      An ongoing medical inflation of 14 percent in India (the highest
      Read more
      Dental Treatment Coverage from Star Health Insurance

      21 Dec 2023

      The rising costs of healthcare services have made it necessary for
      Read more
      11 Reasons Why Senior Citizens Should Buy Aditya Birla Activ One Plan

      05 Dec 2023

      Health insurance is one of the biggest assets that senior citizens
      Read more
      10 Reasons Why Your Health Insurance Claim Can Get Rejected

      01 Dec 2023

      Health insurance plans add a layer of invisible protection against
      Read more
      Knee Replacement Surgery Cost in India

      30 Nov 2023

      Knee pain has become a very common ailment in India, with over 15
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      How Senior Citizens can save Tax with Medical Bills u/s 80 D?
      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL