u/peace-Initiative

My brother is 22M, currently unemployed, and does not have health insurance. He wants to undergo LASIK surgery for both eyes, and the hospital has quoted around ₹1.5 lakh.

The surgery is not urgent, and we are planning to do it 7–8 months from now. So, we are thinking of buying health insurance now and using it for the surgery later.

I would like some advice from people who have actually used insurance for LASIK:

Which health insurance policies in India cover LASIK?

Is there any policy with a waiting period of 7–8 months or less?

Does the insurance require a particular eye power/dioptre level for coverage?

How much of the ₹1.5 lakh could typically be covered?

Are there any sub-limits, co-payments or exclusions we should know about?

Would a normal health insurance policy cover it, or do we need a specific add-on/rider?

Can we buy the policy now even though we already know that he plans to have LASIK later?

Will the insurer consider LASIK an elective procedure and reject the claim?

Has anyone here actually had their LASIK claim approved? Which insurer and policy was it?

Is there anything specific we should check in the policy document before purchasing?

We also want the policy for his general medical needs, not just LASIK. So any good and reasonably priced policy that provides genuine LASIK coverage would be helpful.

Thanks in advance!

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My brother is 22M, currently unemployed, and doesn't have health insurance. He wants to undergo LASIK for both eyes, and the hospital has quoted around ₹1.5 lakh.

We are planning the surgery 7–8 months from now, so we are considering buying health insurance now and using it for the surgery later.

Could you please suggest good health insurance policies in India that cover LASIK, preferably with a waiting period of less than 7–8 months?

Also:

Is LASIK actually covered under these policies?

Are there any conditions, such as a minimum eye power/dioptre requirement?

What percentage/amount can realistically be reimbursed?

Has anyone here successfully claimed LASIK through health insurance?

We don't want to buy a policy and later discover that LASIK is excluded. Any recommendations based on actual experience would be very helpful.

My brother is 22M, currently unemployed, and doesn't have health insurance. He wants to undergo LASIK for both eyes, and the hospital has quoted around ₹1.5 lakh.

We are planning the surgery 7–8 months from now, so we are considering buying health insurance now and using it for the surgery later.

Could you please suggest good health insurance policies in India that cover LASIK, preferably with a waiting period of less than 7–8 months?

Also:

Is LASIK actually covered under these policies?

Are there any conditions, such as a minimum eye power/dioptre requirement?

What percentage/amount can realistically be reimbursed?

Has anyone here successfully claimed LASIK through health insurance?

We don't want to buy a policy and later discover that LASIK is excluded. Any recommendations based on actual experience would be very helpful.