r/MedicalInsuranceIndia

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!

Hi everyone,

I am looking for urgent advice on a health insurance policy for my sister. She is 25 years old.We have recently majored in a roadblock regarding her treatment cost.

Medical history and context :

Initial diagnosis: in 2021 mctd with sle.

Progression: in june 2026 she has major critical condition pulmonary arterial hypertension, ild, lupus nephritis, hyperbilirubanic anemia.

Current diagnosis: she is in long term medication and long period of hospitalization.

Financial problem/ insurance problem:

Insurance problem:Every insurance has a waiting period for ped.

Treatment: she needs to cover medicine and hospitalization charges.

What I am looking for:

Low waiting period: are there any specific policies which have a low waiting period? May be 30 days or immediately?

My questions:

How can I proceed with this kind of condition?

I never had any kind of insurance in my family.

What should I specifically look for in insurance?

Should I take critical care insurance?

Which company provides the best insurance in india?

Has anyone with long term condition like this successfully used ped reduction for immediate claim for auto immune disease?

Any leads on specific plans, who handle this kind of condition that would be huge help. Thank you in advance.

Hi all

A few days ago I was contacted by an insurer with a good premium, good plan. After reading the documents I felt this is good so I went ahead. I disclosed my PEDs - Asthma from my teenage days (never needed hospitalization, nowadays not an issue at all compared to 15 years ago) and a road accident a decade ago which led to stitches and scars but no major complications since. I had paid for a PED wait time reduction rider that included Asthma.

The insurer agreed to issue a policy but put PED waiting periods of 36 months for "respiratory illnesses" and "injuries related to body parts where surgery/dressing has occurred previously". Since I have no lasting complications from my old injury this seemed fine, but the funny part is that the insurer declined the PED wait time reduction rider in my policy and issued a refund of extra amount paid (as premium reduces without the rider)

Now my questions are:

1. "Respiratory illness" is a very broad term, is the insurer correct to issue the caveat?
2. Why did the insurer's underwriter not want to approve the PED waiting time reduction rider?
3. If I wait out the 36 months (written in my policy) will I face no further claims related issues afterwards?

I am still within my free look period, so I am seeking your advice.