Does Mediclaim Cover Lasik Surgery

At some point in our lives, we may need corrective vision surgery to improve our eyesight. Have you ever wondered if your Mediclaim policy covers the cost of LASIK eye surgery?

LASIK surgery can be a life-changing procedure for those who suffer from vision problems, but the cost of the surgery can be quite steep. It's important to know what your Mediclaim policy covers and what it doesn’t so that you can make an informed decision. In this blog, we'll explore the topic of "does Mediclaim cover Lasik surgery" and help you understand what you need to know before making a decision about your eye health. So, let's get started!

What is Lasik Eye Surgery?

LASIK (Laser-Assisted in Situ Keratomileusis) is a type of refractive surgery performed on the eyes to correct vision problems such as nearsightedness, farsightedness, and astigmatism.

• The procedure involves using a highly precise laser to reshape the cornea, the clear front part of the eye, to improve how light enters the eye and focuses on the retina.
• LASIK eye surgery has become an increasingly popular option for individuals who want to reduce their dependence on corrective lenses.
• The procedure is quick, taking only about 15 minutes per eye, and most patients experience minimal discomfort during the process.
• LASIK surgery is not suitable for everyone, and the candidacy for the procedure depends on various factors such as age, eye health, and medical history.
• For those who are good candidates, LASIK surgery can be a life-changing experience, providing clearer vision without the need for corrective eyewear.

Is Lasik Surgery Covered by Mediclaim Insurance?

If you are considering LASIK surgery and wondering whether Mediclaim covers Lasik surgery, the good news is that all health insurance companies offer coverage for LASIK eye surgery. However, you must meet certain conditions before you can make a claim for LASIK surgery under your insurance policy.  

• The Insurance Regulatory and Development Authority of India (IRDAI) has notified that LASIK eye surgery will be covered under all basic healthcare plans only if the patient's refractive error is either equal to or greater than 7.5 dioptres.
• There are several conditions under which the coverage for LASIK eye surgery may be provided, including
• refractive errors caused by an injury or accident
• physical deformity or constant aches caused by wearing glasses
• physical limitations or lack of tolerance for contact lenses
• To ensure that your LASIK surgery gets covered under Mediclaim, you should check your policy document for the coverage conditions for LASIK eye surgery before making a claim.