Health Insurance Companies that Cover LASIK Eye Surgery

LASIK eye surgery has transformed vision correction for individuals with myopia, hyperopia, and astigmatism, offering a long-term alternative to glasses and contact lenses. In India, the Insurance Regulatory and Development Authority (IRDAI) mandates health insurance coverage for LASIK if the insured has a refractive error greater than 7.5 diopters. However, with costs ranging from ₹20,000 to over ₹1 lakh per eye, the procedure can be expensive, making it essential to have insurance that covers LASIK to reduce out-of-pocket expenses.

In this guide, we’ll explore what LASIK is, its benefits, and the top health insurance plans covering LASIK in 2025.

If you have other questions regarding vision correction procedures and their coverage, feel free to reach out to Ditto advisors by booking a free 30-minute call. 

What is LASIK Eye Surgery?

LASIK (Laser-Assisted In Situ Keratomileusis) is a laser eye surgery that reshapes the cornea to correct vision. It helps individuals reduce or eliminate dependence on glasses or contact lenses. The procedure is typically completed in under an hour, with a recovery period of a few weeks. While effective, LASIK comes with risks like dry eyes, halos, or vision fluctuations, making it important to assess if it’s the right option for you.

Note: Implantable Collamer Lens(ICL), which involves the implantation of a lens in the eye, can be an alternative to LASIK for certain people. It is also covered under health insurance plans if it’s considered medically necessary.

Health Insurance Companies that cover LASIK eye Surgery

Health insurance that covers LASIK eye surgery is pretty common. In fact, LASIK is covered by all standard health insurance plans if the insured’s refractive error is more than 7.5 dioptres. However, if you have prescription glasses or contact lenses, health insurance will not cover the costs related to them.

Benefits of Having Health Insurance that Covers LASIK Eye Surgery

LASIK surgery can be a game-changer for vision correction, but the costs can add up. Having health insurance that covers LASIK helps reduce expenses while offering added benefits:

• Cost Savings – LASIK surgery in India can cost anywhere from ₹20,000 to ₹1,00,000 per eye, depending on the hospital and technology used. Having insurance coverage can significantly reduce out-of-pocket expenses.
• Comprehensive Eye Care – Some policies cover related eye treatments, making it a cost-effective choice for long-term vision health.

Best Health Insurance Plans in 2025

Finding health insurance that covers LASIK surgery is easy, but finding a comprehensive health insurance plan that covers LASIK isn’t as simple. The plans below offer this benefit along with comprehensive medical coverage. Here’s a breakdown of the top policies that include LASIK and other essential healthcare features:

HDFC ERGO Optima Secure: This is a robust health insurance plan offering coverage from ₹5 lakh to ₹2 crore. It provides extensive financial protection with no room rent limits, disease-wise sub-limits, or mandatory copayment. The plan includes pre-hospitalization expenses for 60 days and post-hospitalization expenses for 180 days. A key highlight is its 100% restoration benefit, which can be availed once a year, with an add-on available to make it unlimited. Policyholders also benefit from a renewal bonus of 50% per year, up to 100% of the base sum insured, regardless of claims. The Secure Benefit feature doubles the coverage from day one, enhancing the plan's value. With a vast network of over 13,000 hospitals, a claim settlement ratio (CSR) of 98%, and an incurred claim ratio (ICR) of 86%, Optima Secure stands out as a comprehensive and cost-effective choice.

Care Supreme: This is a feature-rich health insurance plan that provides extensive coverage with flexible options. The plan covers pre-hospitalization expenses for 60 days and post-hospitalization expenses for 180 days. It offers unlimited restoration up to the base sum insured, ensuring continuous coverage for multiple hospitalizations. A renewal bonus of 50% per year, up to 100%, is standard, but an add-on can increase it to 100% per year, up to 500%. With a strong hospital network of over 11,400 hospitals and a CSR of 90%, the plan ensures access to quality healthcare. The plan also maintains an ICR of 59%, making it a balanced option for those seeking comprehensive coverage with a strong claims history.

Aditya Birla Activ One Max: This is a high-value health insurance plan offering extensive benefits. It covers pre-hospitalization expenses for 90 days and post-hospitalization expenses for 180 days. A major advantage is its 100% restoration benefit, available unlimited times, ensuring that policyholders have financial support for multiple claims. The renewal bonus is exceptionally high, at 100% per year, up to 500%, regardless of claim history. With a network of over 12,000 hospitals, a CSR of 95%, and an ICR of 68%, this plan provides both accessibility and financial security. The plan is particularly beneficial for those looking for high cumulative bonuses and unlimited restoration.

Niva Bupa Aspire Titanium+: This is a comprehensive health insurance policy designed for extensive protection. It includes pre-hospitalization coverage for 60 days and post-hospitalization coverage for 180 days. The plan features the ReAssure+ benefit, which triggers after the first claim and allows unlimited restoration for the same and different illnesses. Policyholders can also use both the base sum insured and the restoration benefit for a single claim after the first claim. A unique offering is the Booster+ feature, which carries forward unused coverage as per entry age, up to 10 times the base sum insured. With a hospital network of over 10,000 hospitals, a CSR of 91%, and an ICR of 58%, Aspire Titanium+ is well-suited for those seeking long-term coverage with high restoration benefits.

ICICI Lombard Elevate: This is a flexible and comprehensive health insurance plan catering to various medical needs. The plan covers pre-hospitalization expenses for 90 days and post-hospitalization expenses for 180 days. It includes a 100% restoration benefit of the base sum insured, unlimited times, with a 45-day cooling period for the same ailment. The renewal bonus starts at 20% per year, up to 100%, but an add-on can increase it to 100% per year with no capping on the maximum amount. The plan also offers optional add-ons to reduce the waiting period for pre-existing diseases and sum insured eligibility. With a hospital network of over 10,800 hospitals, a CSR of 85%, and an ICR of 83%, ICICI Lombard Elevate provides a strong combination of coverage flexibility and financial security.

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Conclusion

LASIK eye surgery is a giant leap in vision correction, but its high costs make health insurance coverage essential. Thanks to IRDAI’s mandate, individuals with a refractive error of 7.5 diopters or more can now get LASIK covered under their health insurance plans. However, eligibility may also depend on other factors, such as whether the refractive error resulted from an injury or surgery.

With multiple insurers offering LASIK coverage, choosing the right plan is crucial. The best policies not only cover the procedure but also offer benefits. At Ditto, we simplify this process by offering expert, unbiased guidance to help you pick the right health insurance plan.