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As the trend of Lasik surgery is going upward, a middle-class person might get confused with its cost. As it is a highly trustable and efficient surgery, people often choose this over anything else to correct their vision. In this article “Does Star Health Insurance Cover Lasik?” , our main focus will be the Lasik surgery and Star Health Insurance. We will discuss if Star Health Insurance covers the cost of the surgery or not. We will also discuss many things, so keep reading this article till the end.
What is Star Health Insurance?
Before landing on something, tell us what Star Health Insurance is. Star Health Insurance is one of India’s leading health insurance providers. They offer a range of health insurance products and services to individuals, families, and corporate clients. The company was established in 2006 and has gained a significant presence in the Indian insurance market.
Does Star Health Insurance Cover Lasik?
As we have come to the main topic, ask yourself this question. Have you guessed it? Let us tell you that the answer is Yes. All plants of Star Health Insurance cover the cost of Lasik. The typical cost includes the cost of diagnosis, eye surgery cost, OPD charges, along with post-surgery follow-up consultations.
One can get the cashless treatment also. The average coverage of cost varies from plan to plan, so it is a wise thing to carefully check and read all the guidelines and terms and conditions.
Which type of Eye Surgery is done via Star Health Insurance?
As we have discussed whether the cost of the Lasik surgery is covered by Star Health Insurance, we will, in this section, learn which type of eye surgery will be done by Star Health Insurance.
Generally, three types of eye surgeries are treated by Star Health Insurance, which are as follows.
a. Eye surgery due to refractive error caused by an injury in your accident
b. Eye surgery due to refractive error caused by some different surgery
c. Eye surgery for severe refractive error
What is the Eligibility Required to Have Star Health Insurance?
To claim Star Health Insurance, one must fulfill some eligibility criteria. As the surgery is best for people aged between 18 to 40, one must fulfill the age criteria. Another important criterion to be filled is to be the policyholder to grab the opportunity. The last criterion to be fulfilled is to have a refractive error of equal to or more than 7.5 dioptres.
These are some of the main but important criteria to be fulfilled to grab the opportunity of Star Health Insurance.
What is the Waiting Period to have Star Health Insurance?
A mandatory waiting period is a must to claim Star Health Insurance. Let us tell you that a minimum of 30 days are required, or is the waiting period to have Star Health Insurance? Some plans might take up to 2 to 3 years.
Therefore you must be careful while reading all the documents and signing up. After the minimum waiting period, one can claim the Star Health Insurance.
What are the Advantages of Having Star Health Insurance?
Star Health Insurance is one of the prominent health insurance providers in India. It offers various advantages to policyholders, which may vary based on the specific plan and coverage chosen. Here are some of the common advantages of having Star Health Insurance:
1. Comprehensive coverage
Star Health Insurance plans often provide extensive coverage for a wide range of medical expenses, including hospitalization costs, pre and post-hospitalization expenses, ambulance charges, daycare treatments, and more.
2. Cashless hospitalization
Policyholders can avail of cashless hospitalization facilities at a network of hospitals associated with Star Health Insurance. This allows you to get treatment without paying upfront (subject to terms and conditions).
3. No-claim bonus
Star Health Insurance offers a no-claim bonus for every claim-free year. It is an incentive where the sum insured increases without an increase in premium.
4. Lifelong renewability
Most Star Health Insurance policies offer lifelong renewability, ensuring you have continuous coverage throughout your life, provided you renew the policy on time.
5. Pre-existing condition coverage
Star Health Insurance covers pre-existing illnesses after a waiting period, which may vary based on the policy terms.
6. Ayush treatment coverage
Some Star Health Insurance plans cover Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments along with modern medical treatments.
7. Tax benefits
The premiums paid for Star Health Insurance are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.
8. Additional benefits
Some Star Health Insurance plans offer additional benefits like coverage for specific critical illnesses, maternity expenses, and preventive health check-ups.
9. Easy claim process
Star Health Insurance has a streamlined claim process, making it convenient for policyholders to avail of their benefits when needed.
10. Customer service
The company is known for its customer-centric approach and prompt assistance to policyholders during the policy term.
The Final Score
We are pleased and grateful to provide you with the relevant information. We hope that we are successful in providing you with the same. It is always best to contact your policy service provider or contact customer care of Star Health Insurance to have any more information.