LASIK Surgery for High Eye Power : Insurance Coverage & Cost in Mumbai
3 months ago
I have a mediclaim policy managed by MediAssist. My eye power is above 4.5–5, and my policy mentions that high power cases may be covered. I want to know whether my eye surgery will be covered under this policy, how much might be approved, and what the process is to claim it. I am 30 years old and rarely use contact lenses. I am based in Mumbai and would like to know nearby hospital options around Jogeshwari or Bhandup where I can get the consultation and treatment done.
Answers (1)
If your refractive power is above 4.5 or 5, and your policy clearly states that higher power correction is eligible for coverage, then there is a significant chance your procedure may be covered.
However, final approval always depends on your specific policy terms and insurer guidelines. The exact approved amount cannot be confirmed in advance, as it depends on the insurer’s assessment after reviewing your medical documents.
The process typically begins with a detailed eye check-up and diagnostic scans. These reports, along with the doctor’s recommendation, are submitted to the insurance company (through Medi Assist as the TPA) for pre-authorization approval. Once the insurer provides initial approval and confirms the eligible amount, the surgery can be scheduled.
Since you are in Mumbai, hospital availability depends on whether your policy is active in a particular network (empanelled) hospital in areas like Jogeshwari or Bhandup. Please share your e-card or policy details; this helps the team verify network eligibility and start the approval process. Messaging the details via WhatsApp can speed up verification.
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