Valid on select insurers. T&C apply *
The gift of vision is one of the most significant senses that we humans possess. And yet most of us suffer from bad vision. Just try and remember, how many people did you see using glasses or lenses just today? A lot, right. People with severe vision impairment opt for LASIK surgery to get the defect corrected and prevent it from further deterioration. LASIK surgery has become quite common these days and the presumptions surrounding it have started to precede slowly. However common the process though, LASIK surgery is expensive and can burn a hole in your pocket. But what about the health insurance policies in the UAE? Does health insurance cover LASIK eye surgery? When would you need LASIK surgery in your life? Should anyone with bad vision simply get LASIK surgery? Let’s try to find answers to these LASIK related questions.
LASIK stands for Laser In-Situ Keratomileusis. It is a laser-based refractive surgery that is used to correct severe cases of near or far-sightedness. It is also a treatment option for people suffering from astigmatism. In LASIK surgery, a laser is used to reshape the cornea in the eye. This allows the light to enter the eye, reflect to be ideally focused on the retina of the eye, and hence allows a clearer vision. LASIK can be used to achieve perfect vision after suffering from near or far-sightedness, even in cases where the problem has existed for a long. The results can be seen almost immediately after the surgery. A week or two of rest recoup leads to even better results. LASIK is considered an elective surgery instead of a medically necessary one. Even though the use of lasers sounds like a scary thing to go through, LASIK is as safe as any other surgical process related to eyes or other body parts.
Insurance providers in the UAE do offer a few health insurance plans that cover LASIK eye surgery for the policyholders. You probably will not find this benefit included in the basic health insurance plans in Dubai. Basic health insurance in Dubai only covers benefits and expenses like prescription glasses and lenses. Most health insurances in Dubai only cover a part of the expenses though. There could be a few selected options that cover the complete cost of the plan while the others would cover the expenses up to the decided sub-limit. You can easily choose a plan that fits your needs the best by comparing the benefits offered by different health insurance plans in Dubai.
Insurance providers like Daman, Aetna, ADNIC, and SAICO are some of the many insurance companies that offer complete or partial cover for LASIK eye surgery. Thiqa, Aounak and Premier Plus health insurance plans offered by Daman Insurance cover LASIK in its entirety. Thiqa plan requires you to have a pre-authorization while the Premier Plus health insurance plan comes with a sub-limit on the coverage amount. Bottom line is that you can easily receive coverage from your health insurance in Dubai for LASIK eye surgery, whatever kind it may be.
Health insurance in Dubai that cover LASIK eye surgery can be redeemed in the following situations, depending on the coverage of the plan:
Some insurance plans may also cover LASIK eye surgery in the following cases:
The last two options may be covered but it is best to check with your provider beforehand. Get information about the cases that are excluded when it comes to LASIK eye surgery cover by health insurance in Dubai.
Going with a per eye cost breakdown, LASIK surgery can cost you anywhere between AED 4000 and AED 8000 in Dubai for each eye. The price can change as per the clinic that you choose or the treating doctor. The severity of your refractive errors can also make a difference here. Health insurance in Dubai that offer cover for LASIK generally offers sub-limits that are enough to cover the complete cost of these surgeries, if there are no clauses about partial coverage.
Just like any other surgery LASIK is not something you should think of as a routine procedure. There is no age bar whatsoever or health limitations on getting LASIK surgery for your eyes. But the final decision about getting LASIK must depend on the severity of your refractive error, the tolerance you have for it and the after-effects of the surgery. Your health insurance in Dubai may not cover LASIK surgery expenses if it turns out to be a completely elective decision, not prescribed by doctors. If you want health insurance in Dubai to bear the expenses of the surgery, you will need solid evidence that LASIK is necessary for you for several reasons.
Moreover, even though it is possible to achieve perfect vision after LASIK, results may not always be what you expect them to be. Sometimes the surgeon is not able to remove the required piece of tissue which results in unsolved vision problems. Other times there are complications like monovision, overcorrection, flap problems, double vision, glare, and halo formation. Make sure that you have taken all this into account before you set out to get LASIK eye surgery.
Some faulty LASIK surgeries may require retreatment surgery. An example can be overcorrection or under-correction in primary surgery. Such incidences can require additional correction surgery. However, whether your retreatment LASIK surgery would be covered by health insurance. It is best if you confirm this with your insurance provider about your retreatment surgery.
There are a few things you should keep in mind when it comes to undergoing LASIK eye surgery. Given below are some of the pointers that may help you when you are planning to make LASIK eye surgery:
The Final Word
LASIK eye surgery is something that you may need at a point in life. While it does offer perfect vision, it may not be the ultimate solution. Many people still end up needing to wear glasses in old age. However, LASIK can solve a lot of problems for people with severe vision problems and spare them the need to wear heavy glasses or lenses at all times. Just make sure that you are well aware of the conditions laid out by your health insurance in Dubai about this surgery and the cover. Choose a good clinic and doctor for the procedure and take every kind of pre-authorization that you need to. Performing all the necessary pre-surgery essentials on time will ensure that you have a successful surgery with part or full costs covered.