Does Insurance Cover LASIK Surgery?
The simple answer: Usually No. The nuanced answer: Yes, if your power is high enough (+/- 7.5 D).
The "Cosmetic" Exclusion
Most insurers classify LASIK, SMILE, and Contoura Vision as Cosmetic Surgeries(aesthetic/lifestyle choice) rather than "Medical Necessity" (life-saving or functional restoration). Hence, 90% of standard policies reject LASIK claims.
The Medical Necessity Clause (+/- 7.5 D)
IRDAI (Insurance Regulatory and Development Authority of India) guidelines state that if severe refractive error impedes daily life, it must be covered. Most insurers interpret this as:
LASIK is covered ONLY if refractive power is +/- 7.5 Diopters or higher.
If your power is -4.0 or -6.0, it is considered cosmetic, and you cannot claim insurance.
New Age Insurers (The Exception)
Some modern policies (like Navi, Care Supreme, specialized OPD covers) have started offering LASIK cover even for lower powers, but usually with a waiting period or as an add-on rider.