LASIK/Laser Eye Surgery Coverage Under Medical Insurance

Health Blog
12 Jun 2026
Bajaj General Insurance
4987 Viewed

Contents

What is LASIK?
LASIK Cost & Procedure
What are IRDAI Guidelines on Eye Surgery Coverage?
Before LASIK
Conclusion
FAQs

Whether a health insurance policy provides coverage for LASIK eye surgery in India actually depends on the type of policy you have selected. Generally, the majority of insurers classify LASIK as an elective or cosmetic procedure, and hence exclude it from standard coverage.

However, there are many policies that now provide coverage if the surgery is deemed to be 'medically necessary'. In this blog, we will discuss on does insurance cover LASIK eye surgery and more.

What is LASIK?

Wondering what is a LASIK procedure? LASIK, an abbreviation for Laser-assisted in situ keratomileusis, can be of help to people who have vision issues and seek to correct them. Commonly, it is used to correct problems like hypermetropia or hyperopia, myopia, and astigmatism.

With all these issues, it is common for the people experiencing them to be recommended prescription glasses or contact lenses. LASIK or laser eye surgery is performed so that the patient can correct their vision and get rid of their prescription glasses. This may help them improve their quality of life by eliminating the need for regular use of glasses or lenses.

Also Read: How to Avail Ayurvedic Hospitalization Expenses Under Health Insurance?

LASIK Cost & Procedure

If you suffer from any of the aforementioned conditions, LASIK might appear as a viable option for you to eliminate the need for glasses. However, before you make up your mind to undergo laser eye surgery, it is important to understand what LASIK is and what are the costs involved. It is best to consult your doctor before you decide to opt for the procedure. They may advise you whether the procedure is right for you.

You may need to follow a few guidelines before the procedure. For example, you may have to stop wearing contact lenses for a few days before the procedure. Doctors will check your eye health before the laser surgery to check whether you are fit for it. The LASIK procedure is usually completed within 30-45 minutes. Your eyes are numbed for the procedure.

The cost for LASIK surgery in India can be between Rs. 20,000 to Rs. 1,50,000. The actual cost will depend on the condition of the patient as well as the doctor you are consulting. Thus, it can prove to be quite an expense for some people, especially considering it is not necessarily an essential surgery. Thus, it would be helpful if the cost of LASIK is covered by your health insurance.

Also Read: All You Need to Know About Dark Circles Under Eyes

What are IRDAI Guidelines on Eye Surgery Coverage?

You may wonder, does insurance cover LASIK eye surgery? The Insurance Regulatory Development Authority of India (IRDAI) permits health insurers to cover eye surgeries when they are considered medically necessary and supported by clinical evidence.

For instance, procedures such as retinal detachment repair, cataract surgery, corneal transplantation, glaucoma treatment, and trauma related eye surgeries are generally permissible under the standard health insurance policies.

Here are a few ways you can determine LASIK insurance coverage eligibility:

Medically Necessary:

1. Cataract extraction

2. LASIK after an accidental injury or corneal disease

3. Reconstructive eyelid surgery affecting the vision

4. Surgery following burns, trauma or cancer

Excluded Procedures:

1. Elective LASIK for spectacle removal

2. Cosmetic eyelid reshaping

3. Aesthetic eye enhancement surgeries

Note: IRDAI's standard exclusion specifically states that cosmetic or plastic surgery is excluded from coverage unless required for reconstruction after burns, cancer, accident or to remove an immediate health risk certified by a doctor.

Before LASIK

You can undergo the procedure if you are between 18-40 years of age. However, it is best to consult your doctor beforehand, so they may be able to guide you better. Possible risks of this surgery include:

1. Dry eyes

2. Double vision

3. Halos or glares

4. Astigmatism

5. Vision changes or loss

Before you decide on this surgery, it is best to check whether your policy covers this surgery. You can read through your policy document and consult your insurance agent or your insurance provider for more information.

Conclusion

Now that your query on does insurance cover LASIK eye surgery has been covered, you know that it depends entirely on terms of your specific health policy and medical necessity of the procedure.

While the majority of the insurers view LASIK as a cosmetic or elective surgery, coverage will only be approved if it is deemed to be medically necessary.

Explore health insurance plans at Bajaj General Insurance today to get a financial backup against any unexpected medical emergencies!

FAQs

Does health insurance cover LASIK eye surgery?

Typically, health insurance does not cover LASIK as it is considered a cosmetic procedure. However, some insurers may offer coverage under certain conditions or as an add-on.

Can I get LASIK coverage with my existing health insurance policy?

It depends on your plan. Some policies may include LASIK coverage, either as part of comprehensive insurance or through an additional rider.

How do I find out if my health insurance covers LASIK surgery?

Check your policy document or contact your insurer for details about LASIK coverage.

Are there any requirements for LASIK coverage under health insurance?

Coverage may depend on medical necessity. Consult your insurer to confirm specific eligibility criteria.

What if my health insurance doesn’t cover LASIK surgery?

You can explore additional riders, separate vision insurance, or financing options with the clinic.

Are there any additional costs for LASIK surgery even if covered by insurance?

Yes, there may be out-of-pocket costs like co-pays, deductibles, or limits on coverage. Check with your insurer for full details.

*Standard T&C apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.