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Eye care cover as a part of medical insurance is an addition to a general policy. It can help you solve additional problems related to your eyes and vision. Let’s learn more about how it works.
What is an eye care plan?
One of the options for someone who wants to insure their eyes is to purchase a health insurance plan. This would include almost all eye care services.
When buying an eye care plan, you need to read all the details carefully. Combined policies offer you to pay a one-time fee, so they can often seem cheaper than buying a separate care plan. Very typically, such vision care plans involve a large cumulative deductible that must be covered before vision services are paid for.
When exploring vision insurance options on the market, check carefully whether a policy includes a specific plan for the care of your eyes. Before choosing a plan, make sure that the following rules are followed:
- All eye care services and surcharges are covered, and a reimbursement percentage is set
- Deductibles that you must pay before non-preventive services are covered
- Force majeure clauses are covered
Does health insurance cover my eye health?
Commonly not all health insurance policies cover a vision check.
Optical insurance is one of the forms of medical insurance that covers eye treatment. Basically, health insurance plans provide a certain gradation of optical coverage, so you should read your policy carefully.
What does eye care cover?
An operation such as cataract removal is covered by almost all PMI policies, but daily eye care is usually not covered unless you choose it as an additional option. Such care includes examination, consultation, and glasses.
For example, our Aviva Standard Health insurance partners do not include the cost of a vision check. By purchasing additional dental and optical insurance, you can claim up to 200 pounds. This includes a full eye examination throughout your treatment, as well as all expenses.
AXA also has an interesting ‘Cashback’ offer for the use of dentists and opticians, which includes ophthalmologist fees for prescribed glasses and contact lenses. This amounts to approximately 200 pounds a year and still requires the payment of 25 pounds a year to pay for a vision check.
Overall, the coverage depends on your purchased insurance and add-ons that you buy later.
How much will I be covered if I include eye care in my health insurance?
Most likely, this will be a standard amount of 200 pounds per year per policyholder.
An eye problem identified by an optometrist and requiring further treatment may be covered by your standard policy. We recommend purchasing additional optical cover for people who need constant eye care, such as a vision check, surgery, or glasses.
Why do I need it?
More and more people began to use the services of private clinics and paid medicine. One of the most important reasons for this is the faster service. When using public facilities, on the contrary, there may be a long waiting time, and this could now be even slower due to the pandemic. Also, one of the advantages is the more comfortable conditions in the hospital increased level of attention.
Therefore, it is not surprising that private medical services come at a price. The amount you pay directly depends on:
- Your purchased policy
- The number of family members are included in your cover
- Your specific needs for medical care
If your situation has reached the point of finding optimal and convenient insurance for optical health, then you do not need to spend too much time going through information on all of the policies out there. If you want to choose the best insurance, just contact us for free. Our specialists will help you choose the right option and will keep you satisfied.
Private health insurance FAQ
Are eye care plans worth it?
What types of eye care are not covered by health insurance?
Is eye health covered by health insurance?
How much does insurance cost?
Which insurers offer eye care as a part of health insurance?
If you are confused by all of the information, call and tell us a little about yourself and your goals. Also, let us know about the insurance coverage you want to apply for. Our specialists will point out the policies that meet your requirements.