However, there are certain requirements for reimbursement of myopia surgery through commercial medical insurance.
For example, the terms of a contract for the sale of vision correction eye surgery.
insured liability
(A) surgical medical security
During the insurance period of this contract, after the waiting period is over, the insured performs the first agreed eye surgery to correct his vision in the medical institution designated by the insurer, resulting in necessary and reasonable medical expenses for the operation. The insurer shall pay the surgical medical insurance premium within the insurance amount after deducting the deductible according to the agreement in this contract and the agreed proportion of compensation. The applicant may choose one of the following eye surgery for vision correction as the eye surgery for vision correction agreed in this contract, and specify it in the insurance policy:
1. ICL crystal implantation with central hole
2. TICL crystal implantation in central hole
3. Full Femtosecond Laser (Smile) Surgery
4. Personalized LASIK guided by corneal topography (engraving C+).
5. Personalized FS-LASIK surgery
6.FS-LASIK surgery
7. Laser correction of presbyopia
8. Intelligent all-laser
9.femtosecond excimer laser
10.LASEK laser surgery
(2) Operation accident protection
1. Responsibility required (accidental blindness during operation)
During the insurance period of this contract, the insured performs the agreed eye surgery for vision correction in the medical institution designated by the insurer. If the operated eye (hereinafter referred to as the operated eye) becomes blind due to an operation accident, the insurer shall pay the insurance premium for the operation accident according to the agreement of this contract, and the insurance liability of the insured shall be terminated.
2. Optional liability (postoperative complications)
During the insurance period of this contract, the insured performs agreed eye surgery in the medical institution designated by the insurer to correct his vision. If the insured has any one or more of the following complications after surgery, the insurer will pay the complication insurance money according to the following agreement, and the insurance liability of this insurance to the insured will be terminated.
(1) Within 90 days after the operation, the corneal flap of the operated eye is broken, lost or displaced, which can't be reset, resulting in the consequences that can't be corrected clinically, and the insurer pays 80% of the insurance amount of the operation accident;
(2) within 90 days after the operation, the central corneal area of the eye is obviously cloudy (corneal opacity grade III or above) but not blind, and the insurer pays 40% of the insurance amount for the operation accident;
(3) On the 90th day after the operation, corneal opacity occurred in the operation area of the operation eye, which led to the refractive retraction to the preoperative level or the increase of refractive power, and the insurer paid 40% of the insured amount of the operation accident.
The above is the content of guarantee responsibility, and ophthalmic vision correction only reimburses the above guarantee content. But the eye is a very important part of the human body after all, so it is recommended to do a comprehensive examination when doing this medical operation. Some basic diseases or symptoms of ophthalmology are not suitable for this operation.