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/Vision Cover
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Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
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6 coverage topics
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Step 3Plan Comparison
What is Vision Cover in health insurance?
Reimburses part of the cost of prescription glasses or contact lenses under an OPD or wellness benefit. Amounts are usually small (Rs 2,000-10,000 per year) and it is more of a useful perk than a core coverage benefit.
Also called: spectacles cover · eyeglasses and contact lens cover · optical cover · eye check-up cover
Star Health
Star Comprehensive
Limited
Eye treatment by a licensed ophthalmologist is paid, and so is the cost of spectacles or contact lenses - which many Indian health policies exclude outright. The limit is Rs.5,000 to Rs.15,000 depending on your Sum Insured, and it runs for each block of 3 continuous years, not each year. You become eligible only after continuous coverage, and the same limit also has to cover out-patient dental treatment.
Coverage detailstap any row to understand it
Watch out
The limit is shared with out-patient dental treatment, so a filling and a new pair of glasses come out of the same three-year amount. Claims under this section do not reduce your Sum Insured.
Niva Bupa
ReAssure 3.0 – Elite
Standard
Eye care is an optional add-on called EyeGuard, sold in seven package levels. It pays ₹1,000 to ₹5,000 towards prescription glasses once a policy year, plus a basic eye check-up, an ophthalmologist consultation and up to 15% off eye surgery - all within the partner network. Contact lenses are not covered.
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Watch out
The eyewear allowance can be used only once in the policy year and unused amounts do not carry forward. Sunglasses are paid only if you have not claimed prescription glasses. Treatment to correct eyesight is excluded unless your power is 7.5 dioptres or more, so a routine LASIK or lens-correction procedure is paid entirely from your own pocket.
Star Health
Super Star
Not covered
Super Star pays nothing towards glasses or contact lenses. Both are named in the exclusion list, next to hearing aids and wheelchairs. Surgery to correct eyesight is also excluded when the refractive error is less than 7.5 dioptres, which is where most spectacle prescriptions sit. No optional cover or add-on with this product carries an eyewear allowance.
Coverage detailstap any row to understand it
Watch out
Eye disease is still treated under the ordinary hospitalisation cover; Cataract is one of the listed conditions, so it carries the 24-month specified disease waiting period. If your refractive error is below 7.5 dioptres, the full cost of corrective eye surgery is paid by you.
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Or read a full head-to-headSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
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