Quick Answer
No. LASIK eye surgery is generally NOT covered by health insurance in India as it is considered an elective cosmetic procedure. However some corporate group insurance policies and premium plans may offer partial coverage. PRK after corneal injury may be covered.
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Is LASIK Covered by Health Insurance in India?
This is the most common question from patients considering LASIK in India. The honest answer is: generally no — but there are exceptions.
Standard Health Insurance Does NOT Cover LASIK
All standard individual health insurance policies in India — including Star Health, HDFC Ergo, ICICI Lombard, Bajaj Allianz, Care Health, and New India Assurance — treat LASIK as an elective cosmetic procedure and explicitly exclude it from coverage.
The reasoning is that LASIK improves quality of life and eliminates the need for glasses or contact lenses — but it does not treat a life-threatening or severely debilitating condition. Standard policies cover medically necessary treatments, not elective vision correction.
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Exceptions — When LASIK or Refractive Surgery May Be Covered
Corporate Group Insurance: Some employer-provided group health insurance policies, especially at multinational companies, include vision correction surgery coverage. Check your employer's specific group policy document.
Trauma or Injury: If your cornea was damaged in an accident and refractive surgery (PRK or surface ablation) is medically required to restore vision, it may be covered as a medically necessary procedure. LASIK purely for convenience is not covered.
Defence and Government Personnel: CGHS (Central Government Health Scheme) and some defence medical schemes cover refractive surgery for eligible personnel based on specific service requirements.
Premium Add-on Plans: Some insurers offer optional vision care add-on riders that may include partial coverage for refractive surgery. Check your specific policy terms.
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Dr. Mahipal Sachdev (MS Ophthalmology, FRCS, FACS) — 35 years of experience — Centre for Sight Delhi, Delhi. Call MySurgery at 8588967050 to book a consultation.
How Much Does LASIK Cost Out-of-Pocket in India?
Since most patients pay out-of-pocket, here is a realistic cost guide:
Standard LASIK: Rs 15,000 to Rs 35,000 per eye. Bladeless LASIK (Femtosecond): Rs 25,000 to Rs 60,000 per eye. SMILE Surgery: Rs 35,000 to Rs 80,000 per eye. Contoura Vision: Rs 40,000 to Rs 1,00,000 per eye. PRK / LASEK: Rs 15,000 to Rs 40,000 per eye.
Both eyes cost roughly double the per-eye price. Some centres offer a discount for both eyes done together.
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EMI Options for LASIK in India
Many LASIK centres and hospitals offer EMI options through credit cards and healthcare finance companies including Bajaj Finserv Health EMI Card, CareEdge Finance, No-Cost EMI on major credit cards (Bajaj, HDFC, ICICI, SBI), and hospital payment plans.
A SMILE procedure costing Rs 75,000 for both eyes can be paid as approximately Rs 6,250 per month for 12 months with no-cost EMI.
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Is Cataract Surgery Covered by Insurance?
Yes. Cataract surgery is covered by all major health insurance policies in India as it is medically necessary. If you have both cataract AND refractive error, cataract surgery with a premium lens (like toric IOL for astigmatism) may be partially covered — the standard lens is covered and you pay the difference for the premium lens upgrade.
Should You Buy Insurance That Covers LASIK?
If your only reason for buying a specific insurance plan is LASIK coverage, it is generally not worth it. A premium plan with vision add-on coverage costs significantly more per year than the LASIK procedure itself. It is more economical to pay for LASIK directly and use health insurance for major medical events.
What Is Covered by Insurance Related to Eyes?
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Cataract surgery: covered by all major policies (usually after 2-year waiting period). Glaucoma treatment and surgery: covered. Retinal surgeries: covered. Eye injury treatment: covered. Diabetic retinopathy treatment: covered. Corneal transplant: covered.
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Tips to Reduce LASIK Cost in India
Choose a reputable centre with modern equipment but not necessarily the most expensive location (tier-2 city centres offer excellent quality at lower prices). Ask about package deals (both eyes together). Ask about free enhancement policy — reputable centres offer free touch-ups within 1 year. Check for seasonal offers — many eye hospitals offer discounts during eye care awareness months. Use credit card no-cost EMI to spread payments.
Call MySurgery at 8588967050 for transparent pricing and free consultation at our partner LASIK centres across India.
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Call MySurgery at 8588967050 or WhatsApp us for a free consultation with an experienced ophthalmologist in your city. Callback within 30 minutes.
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Dr. Mahipal Sachdev
MS Ophthalmology, FRCS, FACS, 35 years experience, Centre for Sight Delhi Delhi
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