Yes. All Star Health Insurance policies cover the cost of Lasik eye surgery therapy, which can go up to INR 1 lakh. These health insurance policies pay for the procedure as well as any diagnostic screening and post-surgery follow-up visits. Because Lasik eye surgery does not necessitate a hospital stay of at least 24 hours, it is classified as a day care operation.
After the surgery, Star Health & Allied Insurance Company will pay for your care. You can also receive cashless treatment if you have your Lasik eye surgery performed by a network provider of your insurance carrier.
However, the amount of coverage for Lasik treatment under a Star Health Insurance policy may differ from that of another plan. As a result, you should carefully examine the terms and conditions of your Star Health Insurance policy to determine the coverage limit for the surgery.
What Does Star Health Insurance Offer for Lasik treatment?
All Star Health Insurance policies support Lasik eye surgery for the correction of vision owing to a refractive error of 7.5 dioptres or above. The Insurance Regulatory and Development Authority of India (IRDAI) established the restriction in its September 2019 recommendation.
Prior to this rule, Star Health Insurance plans did not cover the cost of Lasik eye surgery unless it was required for one of the following reasons:
- Accidental or injury-related refractive error
- Significant refractive error
- Another procedure induced a refractive defect.
Star Health Insurance's Waiting Period for Lasik Treatment
Although Star Health Insurance policies cover the cost of Lasik eye surgery, coverage does not begin on the first day of the policy. Before you may receive coverage for your Lasik treatment, you must first complete a mandated waiting period.
All Star Health Insurance plans have a 30-day initial waiting period. After the 30-day waiting period has expired, you can file a health insurance claim for Lasik treatment through your Star Health Insurance coverage.
Furthermore, some Star health insurance plans may have a 2- to 3-year waiting time for laser eye surgery. As a result, you should examine the policy papers or contact customer service to determine the applicable waiting period.
High Lasik Treatment Cost Makes Star Health Insurance Useful for You
The cost of Lasik therapy is heavily influenced by the type of laser eye surgery you choose. For example, the cost of blade-free Lasik eye surgery is more than that of Lasik with a blade. Furthermore, the Lasik treatment centre, region, and experience of the ophthalmologist performing the operation all have an impact on the cost of laser eye surgery. The problems of the procedure, depending on your situation, will also affect the cost of your surgery.
In India, the cost of Lasik eye surgery ranges between INR 10,000 and INR 1 lakh. The typical cost of Lasik eye surgery with a blade ranges between INR 25,000 and INR 45,000.
A blade-free Lasik surgery, on the other hand, can cost anywhere between INR 70,000 and INR 100,000. Similarly, Lasik therapy in Mumbai may cost between INR 44,000 and INR 1,21,000, whilst surgery in Chennai may cost between INR 10,000 and INR 80,000.
As a result, Lasik eye surgery is an expensive treatment that not everyone can afford. If you have a Star health insurance policy, let's see how much it covers regarding this surgery.
Knowing About Lasic Eye Surgery
Lasik eye surgery is a type of laser refractive surgery that is used to repair visual disorders such as myopia, hyperopia, and astigmatism. It is an abbreviation for Laser-assisted in situ keratomileusis, which includes altering your eye's cornea to allow light to focus on the retina. Lasik, often known as laser eye surgery or laser vision correction, is a non-surgical alternative to wearing glasses or contact lenses.
Without the need for medical equipment, laser surgery uses focused light beams to carry out its procedures. In the medical sector, lasers allow surgeons to work with more accuracy by focusing on a small area while causing less damage to adjacent tissue.
Laser surgery has had a tremendous impact on medical and surgical procedures that use intense laser beams to treat patients. The laser used in the medical sector differs from the laser used to cut steel or shape diamonds.
Who Isn't a Fit for Lasik Eye Surgery?
Lasik is not for everyone. Consider the following folks who should not get Lasik eye surgery:
- Those under the age of 18.
- Women who are pregnant or nursing.
- Those with irregular or thin corneas.
- Those suffering from eye disorders such as glaucoma or excessively dry eyes.
- People who take specific medications or have frequent changes to their vision prescription.
- Diabetes, rheumatoid arthritis, and lupus patients.
Read more - How Much Will Lasik Eye Surgery Cost You in India?
Conclusion
Most people who do not wish to wear spectacles or contact lenses for the rest of their life choose Lasik eye surgery. Because Lasik therapy can be costly, it is best to file a claim with your health insurance company.
Fortunately, all Star health insurance plans cover Lasik therapy as long as you match the policy terms and restrictions. Furthermore, remember to follow the post-Lasik surgery care guidelines described above.
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