Is laser eye surgery covered by private health insurance?

If you’re exploring laser eye surgery, you may be wondering: will my private health insurance cover it?

It’s an important question, because the procedure is a personal investment. While some costs may be offset, most patients will pay privately.

Here’s what you need to know.

Does private health insurance cover laser eye surgery?

In Australia, most private health insurance policies do not fully cover laser eye surgery. The procedure is usually considered elective, which means it’s not included under hospital cover.

However, some insurers provide partial rebates through extras cover. This can help reduce the cost, but usually only by a small amount.

How much can you claim back?

The amount varies widely depending on your fund and your level of cover. Some policies may offer up to a few hundred dollars per eye, while others offer no rebate at all.

To check, look at your policy under:

• Optical benefits
• Laser eye surgery or refractive surgery
• Surgical extras

It’s always best to call your insurer directly for the most accurate information.

Why isn’t it usually covered?

Private health insurance is designed to cover medically necessary treatment. Because laser eye surgery is often chosen to reduce dependence on glasses or contact lenses, it is classed as elective.

That said, insurers do recognise that many people want this procedure, which is why some offer partial rebates.

What about Medicare?

Medicare does not usually cover laser eye surgery. It may only apply if you have a very unusual prescription or a specific medical need.

Is it worth exploring your cover?

Absolutely. Even if your fund only covers part of the cost, every bit helps. It’s also worth asking your insurer if they offer higher levels of cover that include laser eye surgery.

What should you do next?

If you’re interested in laser eye surgery, the first step is to find out if you’re suitable. Insurance rebates and payment plans are only relevant if your eyes are eligible for treatment.

Take our free suitability self-test today. It’s quick, easy, and gives you a clear idea of whether a consultation may be right for you.