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.
*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
Who would you like to insure?
Do you have an existing illness or medical history?
This helps us find plans that cover your condition and avoid claim rejection
What is your existing illness?
Select all that apply
When did you recover from Covid-19?
Some plans are available only after a certain time
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.
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.
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.
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.
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.
10 Jan 2024An ongoing medical inflation of 14 percent in India (the highest
21 Dec 2023The rising costs of healthcare services have made it necessary for
05 Dec 2023Health insurance is one of the biggest assets that senior citizens
01 Dec 2023Health insurance plans add a layer of invisible protection against
30 Nov 2023Knee pain has become a very common ailment in India, with over 15