Health insurance generally covered medical emergencies and as medical expenses are very high in the country, having health insurance is quite necessary nowadays. However, Lasik is considering an elective procedure. Because the glasses or contact lenses can also help in achieving vision correction and Lasik surgery is not a medical emergency. In fact, Lasik surgery is considered cosmetic surgery. Therefore not all insurance covered the cost of Lasik surgery. You have to pay from your savings for the procedure.

 However, the good news is some insurance providers start covering the cost of Lasik surgery in the mediclaim policy. Even though there are only a few companies currently covering the cost of Lasik. It is advisable to go through all the terms and conditions before buying any insurance policy.

Terms and conditions to claim insurance for Lasik eye surgery:

As we discussed some companies start covering Lasik surgery under insurance cover.  We also need to know the points they consider to validate your claim. According to our research on leading insurance providers here are some main points on the basis insurance provider decide to approve your claim:

• Lasik surgery is required due to some refractive error caused by an accident or injury.
• If there is an issue in the eye caused by another surgery.
• The refractive error is served and surgery is the only treatment.
• The person is not able to wear glasses due to some physical deformity and experiencing constant ache.

So, as you see you can only claim insurance for Lasik surgery in the serve condition or in case of injury caused by accident. But if you are opting for surgery only to get rid of glasses or contact lenses, you can not claim the insurance. In this scenario, you have to bear all the expenses of the procedure in your pocket. Therefore it is advisable to understand all the points before choosing the insurance.