Bajaj Allianz Health Insurance may cover LASIK surgery under specific plans. However, not all policies include this benefit. Coverage depends on your plan type and the reason for the surgery. It’s essential to confirm coverage before booking your procedure to avoid surprises during the claims process.
This blog explains which Bajaj Allianz health plans cover LASIK, eligibility conditions, waiting periods, premiums, and key policy information.
Key Takeaways
- LASIK surgery is covered under Bajaj Allianz’s Health Care Supreme Plan for severe refractive errors (≥7.5 dioptres).
- There is a 24-month waiting period from the policy start date before LASIK claims can be made.
- Eligibility for LASIK coverage depends on the medical necessity and refractive error severity.
- Post-surgery complications and recovery costs are covered under the plan.
Which Bajaj Allianz Plans Cover LASIK Surgery?
LASIK surgery is covered under the Health Care Supreme Plan. This plan provides coverage for various medical procedures, including LASIK surgery, cataract surgery, and certain genetic conditions. Key points about LASIK coverage under this plan:
- LASIK is covered for refractive errors of 7.5 dioptres or more.
- The plan covers LASIK under both individual and family health insurance policies.
- Coverage is provided only for medically necessary cases.
Conditions That Qualify LASIK for Insurance
Bajaj Allianz covers LASIK surgery under the following conditions:
- Refractive error caused by injury or accident.
- Refractive error caused by a previous surgery.
- Severe refractive error (≥7.5 dioptres).
- Inability to wear glasses due to discomfort or physical limitations.
- Intolerance to contact lenses.
Medical Expenses Covered by the Plan
When LASIK is included in the plan, it covers:
- Hospitalization expenses
- Pre-hospitalization and post-hospitalization costs
- Daycare procedures
- Outpatient expenses
- Recovery benefits
The claim payout for LASIK cannot exceed the hospitalization sum insured. Modern treatments, including LASIK, are covered as long as the surgery meets eligibility criteria.
Why LASIK Coverage Is Conditional?
LASIK is often considered an elective procedure, which is why coverage is conditional. Bajaj Allianz covers LASIK only when it is necessary to correct a medical condition, not for cosmetic purposes.
Common exclusions include:
- Minor refractive errors below 7.5 dioptres.
- Elective or cosmetic vision correction.
- Pre-existing eye conditions without documented severity.
Steps to Claim LASIK Surgery Expenses
- Verify eligibility under your Health Care Supreme Plan.
- Collect medical records documenting the medical necessity for LASIK.
- Obtain pre-authorization from Bajaj Allianz if required.
- Submit bills and receipts for surgery and post-surgery care.
- Track claim status with your insurance advisor to avoid delays.
Benefits of Choosing a Covered Plan
Choosing a Bajaj Allianz plan that covers LASIK provides several benefits:
- Reduced out-of-pocket expenses for surgery and recovery.
- Access to network hospitals for treatment.
- Financial support for severe refractive errors requiring medical intervention.
Factors to Consider Before LASIK With Insurance
Before scheduling LASIK surgery, consider the following:
- Refractive error level: Ensure it meets the coverage criteria (≥7.5 dioptres).
- Waiting period: Remember that LASIK claims cannot be made within 24 months of policy inception.
- Policy exclusions: Cosmetic procedures are typically excluded from coverage.
- Sum insured limits: Confirm that the coverage is sufficient for expected surgery costs.
Additional Insights About LASIK Coverage
Bajaj Allianz covers complications arising from LASIK as long as they are medically necessary. This includes follow-up treatments and recovery expenses. The coverage also extends to other eye procedures like cataract surgeries, providing comprehensive eye care for eligible patients.
Common Questions About Bajaj Allianz and LASIK
Does Bajaj Allianz cover LASIK for minor vision problems?
No. LASIK is only covered for severe refractive errors (≥7.5 dioptres) or medically necessary cases.
Can I claim LASIK immediately after buying a policy?
No. The Health Care Supreme Plan has a 24-month waiting period before LASIK claims can be made.
Are post-surgery complications covered?
Yes. Post-hospitalization expenses are included under the Medical Expenses section, within the sum insured limit.
Do all Bajaj Allianz plans cover LASIK?
No. LASIK is covered only under the Health Care Supreme Plan.
Can I use insurance for both LASIK and cataract surgery?
Yes. LASIK, cataract surgery, and other medically necessary procedures are covered under the same plan.