Learn about medical insurance coverage for laser eye surgery

New Delhi (India), November 6: Laser eye surgery, such as LASIK (Laser-Assisted In Situ Keratomileusis) and PRK (Photorefractive Keratectomy), has become a desired solution for person seeking to correct vision problems like nearsightedness, farsightedness and astigmatism. These course of action offer the promise of reduced dependence on glasses and contact lenses, but they come at a cost. If you’re considering laser eye surgery, it’s important to understand whether your medical insurance will cover any part of the expenses. Deep-diving into factors that influence health insurance for eye surgery is crucial, so kotak general insurance provides you a brief learning about the same.

Understanding the basics of laser eye surgery

LASIK and PRK are surgical process used to reshape the cornea (the clear front surface of the eye) to improve vision. Before diving into medical insurance cover, let’s briefly understand what laser eye surgery demand. These surgeries can correct common refractive errors, providing clear, sharp vision without the need for glasses or contact lenses.

LASIK, for example, involves creating a flap in the cornea, reshaping the underlying tissue with a laser and repositioning the flap. PRK, on the other hand, removes the outer layer of the cornea before reshaping it with a laser. Both procedures are relatively quick and offer the potential for significant vision improvement.

Factors affecting health insurance coverage for laser eye surgery

The extent to which health insurance covers laser eye surgery can differ based on several key factors:

  • Generally, health insurance cover medical procedures that are deemed medically necessary.
  • Health insurance policies offer more comprehensive coverage for optional process, while others provide limited or no coverage for these types of treatments.
  • It’s essential to review the specific details of your health insurance plan to understand your coverage.
  • Some individuals may have underlying eye conditions that could make laser eye surgery medically necessary. 
  • Depending on your plan, you may have the option to purchase additional riders or add-ons that provide coverage for elective procedures like laser eye surgery.

Steps to determine insurance coverage

If you’re considering laser eye surgery and want to explore insurance coverage options, here are some steps to follow:

  • Carefully review your health insurance policy documents to determine whether elective vision correction procedures like LASIK and PRK are covered.
  • Reach out to kotak health insurance website or customer service to inquire about your specific coverage.
  • Your eye care professional can assess your vision needs and provide you with recommendations for treatment. 


Laser eye surgery can be a life-changing process for those looking to reduce their dependence on glasses and contact lenses. However, insurance coverage for LASIK and PRK is generally limited because these process are considered optional. Ultimately, the decision to undergo laser eye surgery should be based on your individual vision requirements and financial considerations. To know more, visit kotak health insurance for such information.

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