Health Insurance for LASIK Surgery
What is Lasik Eye Surgery?
Lasik/Laser Eye Surgery Cost in India
Health Insurance Coverage For Lasik Eye Surgery
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Updated on Jul 07, 2025 4 min read
LASIK or Laser Eye Surgery Under Health Insurance
In many cases, surgeries are considered essential and life-saving. Some surgeries are not urgent but can improve the overall quality of your life. Such surgeries may or may not be covered by your base health insurance. LASIK eye surgery is one of the non-essential but important corrective eye surgeries for people with hypermetropia or hyperopia, myopia, and astigmatism.
Leading health insurers offer multiple health insurance plans covering LASIK eye surgery as comprehensive cover, or add-ons like Niva Bupa Aspire, Ultimate Care, Star Super Star, etc. Read more to know everything about LASIK eye surgery and how much coverage health insurance is available for the same.
traordinary Facts
LASIK eye surgery stands for Laser-Assisted In Situ Keratomileusis, which means sculpting of the cornea. What most people do not know is that up to 98% of people who wear glasses or contact lenses could be suitable candidates for Laser Eye Surgery. LASIK is a safe procedure, and most people are at risk of an infection due to wearing contact lenses.
What Is LASIK Surgery?
It is a corrective eye surgery used to help many with vision issues such as hypermetropia or hyperopia, myopia, and astigmatism. Let us understand these terms separately
- Hypermetropia or Hyperopia (Far Sightedness)
- Myopia (Near Sightedness)
- Astigmatism (blurred vision for both near and far-sightedness)
Once LASIK eye surgery is performed, it can greatly improve vision without glasses, and the majority of people can see 20/20 the next day after the procedure.
Best Health Insurance Plans for LASIK Eye Surgery
Mentioned below are some top health insurance plans covering LASIK eye surgery.
| LASIK Health Plan | Claim Settlement Ratio 2025 | Sum Insured |
| Niva Bupa Rise | 92.02 | 5 L - 1 Cr |
| Ultimate Care | 92.77 | 5 L - 1 Cr |
| Star Super Star | 82.31 | 5 L - Unlimited SI |
| Bajaj My Health Care | 95.99 | 3 L - 5 Cr |
| ICICI Lombard Health AdvantEdge | 97.16 | 2 L - 2 Cr |
Factors Affecting LASIK Surgery Cost In India
Availing of corrective eye surgery like LASIK can be expensive if paid fully out of pocket. The cost of LASIK eye surgery in India may start from as low as INR 25,000 and can go as high as INR 1.5 Lakhs or more.
The cost of LASIK eye surgery also depends on several variables:
Your Pincode
If you reside in Tier 1 cities that are metropolitan, you are most likely going to pay more than residents of Tier 2 and 3 cities.Consultation Fee
Consulting the best ophthalmologist in the city will cost you more than an average doctor’s consultation, and determining the cost of LASIK eye surgery.Room Rent/Hospital Admission Fee
Although LASIK eye care treatment is a short procedure and is covered as a daycare treatment,t the cost of room rent will be added to your LASIK eye surgery bill.Type Of LASIK Surgery
The cost of LASIK eye surgery depends on the type of surgery an individual opts for. The more technologically advanced procedures you opt for, the higher the treatment cost.Diagnostic Tests & Follow-Up
A string of diagnostic tests is performed to determine the best type of LASIK eye surgery for the insured individual, priced between INR 200 to 500 per test. Moreover, post-operation care includes follow-ups with the doctor, which all contribute to the overall cost.
Types of LASIK Surgery
Different types of LASIK eye surgeries that are performed on patients for corrective measures are:
| Procedure | Average Cost |
| LASIK (Laser-Assisted In-Situ Keratomileusis) | INR 25,000 |
| SBK (Sub-Bowman&’s Keratomileusis) | INR 35,000 |
| Femtosecond LASIK | INR 80,000 |
| SMILE (Smile Incision Lenticule Extraction) | INR 80,000 |
| Contoura Vision LASIK Surgery | INR 1,00,000 |
Does Your Base Health Insurance Cover LASIK Surgery?
Medical inflation in India is on the rise. India has the highest medical inflation rate, around 14%, among all Southeast Asian countries. Not having medical insurance can drain your life savings. A LASIK eye surgery covered by your health insurance can aid in accessing the treatment. Additionally, a base health insurance plan offers a cashless hospitalisation facility, helping you focus on treatment and recovery.
The good news is that all your health insurance plans offer LASIK eye surgery treatment coverage under some conditions. Up until a few years ago, most health insurance providers considered LASIK surgery a cosmetic procedure. However, IRDAI mandated LASIK eye surgery to be covered by your health insurance plans if the patient’s refractive error is equal to or more than 7.5 diopters.
Conditions Under Which LASIK Eye Surgery Is Included With Health Insurance
Let us take a look at certain conditions applicable to LASIK eye surgery under your base health insurance plans.
- LASIK eye surgery is covered when the refractive error is equal to or more than 7.5 diopters due to an accident or injury
- If LASIK surgery is required due to another surgery
- Eye surgery is required for a patient in case he/she is unable to wear glasses due to a physical deformity.
It is best that you check the terms and conditions of your health insurance plans when it comes to LASIK eye surgery coverage.
What Is The Best Age To Undergo LASIK Eye Surgery?
The best time to undergo LASIK eye surgery is between 18 to 40 years. Your doctor will recommend a LASIK eye surgery after the diagnosis of your condition. Additionally, it is advised to undergo a LASIK eye surgery after a whole year of wearing prescribed glasses.
However, people over the age of 40 can also undergo a LASIK eye surgery as per their medical conditions.
Conclusion
While LASIK may not be a life-saving surgery, it can highly improve your eyesight. If your doctor advises you to undergo a LASIK eye surgery, do not ignore it as a non-essential surgery. You can take advantage of your health insurance plan to undergo cashless treatments for LASIK. There are certain terms and conditions involved with LASIK eye surgery coverage, varying from insurer to insurer. Read the terms and conditions carefully before buying a health plan.
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Health Insurance for LASIK Surgery: FAQs
1. Does health insurance cover LASIK eye surgery?
Yes, health insurance plans cover LASIK eye surgery. However, there are certain conditions attached to the same. You must read the terms and conditions of your health policy to understand the same.
2. Will my existing health insurance plan cover LASIK eye surgery?
Depending on your health insurance policy, LASIK eye surgery will be covered. Some health plans may cover LASIK as comprehensive coverage, while others may have LASIK as an additional feature.
3. How to check if my health insurance plan covers LASIK eye surgery?
Read the policy documents carefully or connect with PolicyX health insurance experts to understand if your policy covers LASIK eye surgery.
4. Do I have to pay out-of-pocket expenses to avail of LASIK eye surgery?
Yes, depending on the health insurance policy, you may have to pay co-pays, deductibles, or expenses over the given sub-limits.
5. Are there any specific eligibility criteria for LASIK eye surgery?
No, talk to your health insurance provider to know the terms and conditions for LASIK eye surgery.
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Written By: Simran Kaur Vij
Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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