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More and more insurers are covering major eye procedures like cataract and corrective laser eye surgery. You don't even need a top-level policy for medically-necessary procedures like certain cataract treatments.
Some insurers even offer a range of rebates and other discounts toward laser eye surgery through their extras policies.
You'll find major eye surgery in hospital cover. Below are a few policies from Finder partners that cover this treatment, prices quoted are for a single policy in Sydney
Major eye surgery that includes cataracts falls into a Gold tier, although some funds also offer it in silver.
In the case of major eye surgery, you will sometimes be faced with a choice as to how you would like the procedure to be carried out, and your decision will have health insurance implications. For example, you may be given the choice of:
Should this happen, it’s a good idea to check with your health fund and your doctor before agreeing to any procedure to ensure that you understand all the insurance implications of your decision.
Looking to compare laser eye surgery clinics and costs? Check out our guide here
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When comparing health insurance policies for major eye surgery, or for that matter any type of medical service, you should be aware of the terms and conditions, as well as the fine print stating exactly which procedures are covered.
When determining which eye surgeries are covered by your private health insurance policy, you should look for terminology including:
When you get your quotes, just click refine search and then choose major eye surgery under hospital cover and optical under extras cover to view the range of cover available to you.
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I’m wondering if any private health funds would have any hospital or extras policies that cover any cost for a 37 year old single man in Tasmania to get Implantable Contact Lenses to correct longsightedness (very high script of +5.25 and +6.25) and stigmatism in one eye. According to Medibank (example), a item number from a medical practitioner/related business is needed to determine if an insurer’s policies has the right type of cover for such surgery.
Hi Andrew,
Thanks for contacting Finder.
Most private health funds offer combined hospital and extras policies, as well as hospital-only and extras-only policies. They can cover all major eye surgeries to a certain extent, even corrective laser surgery. The level of cover you have depends on the comprehensiveness of your health insurance.
While we do not provide specific product recommendations, we can help guide you through the process of comparing options. Here is a handy link to check out a list of private health insurance companies. On that page, please complete the table to search for the right policy for you.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.
Kind Regards,
Faye