Is lasik surgery covered under insurance?

Is lasik surgery covered under insurance?

To answer that if LASIK insurance cover cashless. The simple answer is a yes and no. So let us explain that. 

Most national and private insurers do not cover lasik surgery as it is considered to be a cosmetic surgery. However   Having said that, some insurers may cover lasik surgery if they understand that the procedure itself is not done due to cosmesis alone. For example is your eye power is more than -7.5D. Then you  are practically blind without your specs. And in such cases a vision correction may not be considered as a luxury. Such cases can be considered under health insurance cover. General understanding of insurers for covering lasik or other refractive surgeries is as folllowa. 

1. glass power should be more than -7.5D

2. this power should not be a pre-existing condition. 

3. you should have the proper scans and test to validate the claim. 

Also something to understand is that most people who have spectacle power above -7.5 diopters may not be suitable for lasik at all. Since the correction of such high power using lasik technology is risky. And such cases end up having ICL or refractive lens exchange. The insurance coverage of these surgeries opens a whole new discussion. So to put into perspective. Even if your insurer covers lasik surgery. There are high chances that your claim might be rejected. 

A good understanding of TPA process is critical in such cases. 

For detailed evaluation you should contact out hospital staff and they will better guide you through the whole process for the same. 

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