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Tata Capital > Blog > Medical Loan > How to Finance your Lasik Eye Surgery?

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How to Finance your Lasik Eye Surgery?

How to Finance your Lasik Eye Surgery?

If you wear glasses, you’re well aware of the problems that come with them. You can’t play sports with them on. Besides, sweat or vapour can make wearing them inconvenient. Contacts might solve the wearability problem, but they also require constant maintenance.

This is why you might have considered getting surgery to correct your vision in the first place. And if you’re like most people, you’re probably considering getting LASIK (Laser-assisted in situ keratomileusis) surgery.

This blog covers all you need to know about the surgery and tips on financing the operation. Let’s get right into it.

What you should know about LASIK surgery

LASIK laser eye surgery uses a laser to improve vision and is known to solve conditions like nearsightedness, astigmatism, and farsightedness as well. Usually a 30-minute procedure, LASIK surgery helps most people gain nearly perfect vision. The only caveat? It is often costly, and getting one done requires some financial planning on your part. So, how much does the LASIK laser eye surgery cost? Well, read on to find out.

LASIK surgery cost in India varies depending on where you get the surgery done, the professionals doing it, the location, the facilities used, and much more. On average, the LASIK laser eye surgery can cost between Rs. 35,000 and Rs. 1,35,000 for both eyes.

And that alone drives most people away from getting the surgery. Thankfully, there are ways to finance LASIK surgery without burning a hole in your pocket. Let’s explore a few of them.

Also, read – How To Apply For A Quick Medical Loan For Health Emergencies?

Why Get LASIK Surgery?

Getting a LASIK eye surgery offers many benefits, such as:

  • Life Without Glasses: One of the biggest benefits of LASIK is that it frees you from depending on glasses or contact lenses. You don’t have to worry about broken frames, changing prescriptions, or the daily routine of wearing contacts.
  • Better Quality of Life: LASIK can boost confidence, especially for people who travel, play sports, or work in roles where sharp vision is very important. It helps reduce stress and makes everyday tasks easier.
  • Long-Term Savings: LASIK surgery can be slightly expensive upfront. However, it can be cheaper over time as you don’t need to spend regularly on eye tests, lenses, and frames.

Also, read – Medical Loan For Cosmetic Surgery

Factors Affecting LASIK Eye Surgery Cost in India

Several factors influencing LASIK cost can change how much you pay for the procedure. These include:

1. Type of LASIK Technology

Standard LASIK is usually cheaper than advanced options like Femto-LASIK, SMILE, or Contoura Vision. These advanced LASIK technology types cost more because they offer higher precision and use modern equipment.

2. Clinic and Surgeon Expertise

Well-known clinics and highly experienced surgeons may charge more as you are paying for their skill, safety standards, and proven results.

3. Technology and Equipment Used

Clinics using the latest scanners and lasers usually have higher pricing. This is because they treat a wider range of vision issues with better accuracy.

4. Package Inclusions

The cost of LASIK in different cities and clinics can vary depending on what the package includes. For example, consultations, tests, surgery, follow-ups, etc. Make sure to check for hidden charges before selecting a clinic.

Also, read – Bridge Loan in India

List the options available to cover the LASIK surgery cost in India

#1. Debit card monthly instalments

One of the easiest ways to cover the high LASIK surgery cost in India is through debit card monthly instalments. So, check if your bank allows debit card EMI payments. Usually, the details of this facility are readily available on your banking partner’s website.

Debit card EMIs have several benefits, including no-charge EMIs, minimal documentation, and instant disbursement of funds. The caveat? These often come with spending limits. So ensure you have a sufficient spending limit to cover the LASIK surgery costs.

#2. Credit card monthly instalments

Another way to cover LASIK surgery costs in India is to use a credit card EMI facility. Here you can pay for the LASIK eye surgery procedure in the form of monthly instalments using your credit card. Once again, you’ll find all the details you need to make this conversion, as well as the terms of the payment on your banking partner’s website.

#3. Employer assistance

If you work at a reputed company that bears medical expenses from time to time, check with your company’s HR if the employer assistance covers LASIK surgery costs in India as well. This way, you won’t have to burn a hole in your pocket in order to correct your vision.

#4. Medical loan

The last and perhaps the most effective way of financing your LASIK surgery cost in India is through a medical loan. And here’s why.

Unlike debit card or credit card EMI facilities, these don’t have any spending limits attached to them. So, you can get a medical loan to cover your LASIK eye surgery procedure, medication, and aftercare costs.

Besides, today you can apply for a medical loan online at any reputable financial institution. The application process is quick and easy, and many banks have easy-to-meet eligibility requirements. All you need to do then is furnish the necessary documents to get the loan amount approved. Once that is done, the funds are swiftly disbursed to your linked bank account. It’s really that simple!

Now that you know the various ways to cover your LASIK surgery costs, just choose the mode you prefer to pay for it.

However, if you’re looking for a reputed medical loan provider to cover your LASIK eye surgery and aftercare, turn to Tata Capital. We offer all-inclusive medical loans that cover hospitalisation costs, LASIK surgery costs, and even post-care costs. The best part? You can avail of loans at affordable interest rates and flexible terms, and you can pay off the EMIs after getting the LASIK surgery without burning a hole in your pocket.

Eligibility Criteria for a Medical Loan for LASIK

The medical loan eligibility for LASIK varies from lender to lender. However, it typically includes the following criteria:

  • Age: Your age must be between 21 and 58 years old.
  • Income: Another personal loan for LASIK requirement is that you must have a minimum monthly income of Rs. 15,000.
  • Job Stability: You should have at least one year of total work experience and six months with your current employer.

How to Apply for a LASIK Medical Loan with Tata Capital

You can apply for a medical loan online for your LASIK surgery. Here’s how the Tata Capital medical loan process works:

Step 1: Fill Out the Online Form

Visit the Tata Capital website and share basic details about yourself and the treatment.

Step 2: Upload the Documents

Check the eligibility criteria and upload the required documents such as ID proof, income proof, and bank statements.

Step 3: Verification

Tata Capital reviews your form and verifies the information you’ve provided.

Step 4: Loan Approval

After successfully verifying your application and documents, Tata Capital approves your loan for the LASIK surgery.

Step 5: Disbursal

The LASIK eye surgery finance amount is transferred to your bank account so you can proceed with the procedure without delay.

Conclusion

LASIK eye surgery doesn’t just give you clearer vision but also freedom from glasses or contacts. While the cost may seem high, you can easily finance it through Tata Capital’s medical loan. It offers a simple, flexible, and affordable way to fund your treatment.

Tata Capital’s medical loans come with quick approvals, minimal documentation, and online applications, helping you get the surgery without financial stress. Apply today and take the next step confidently.

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FAQs

How much does the best LASIK eye surgery cost in India?

The best LASIK eye surgery cost in India usually ranges from Rs. 35,000 to Rs. 1,35,000 for both eyes. The price depends on different factors, like the clinic, surgeon's experience, city, and the type of technology used. Advanced options like SMILE or Contoura Vision generally cost more than standard LASIK.

Is LASIK eye surgery covered by health insurance in India?

 

Most health insurance policies in India don't cover LASIK, as it is considered an optional or cosmetic procedure. However, some premium policies may offer partial coverage if your refractive error is very high. Make sure to check your policy details or speak with your insurer.

What is the eligibility for a medical loan for LASIK surgery?

 

To be eligible for a medical loan for LASIK surgery, your age must be between 21 and 58 years. You should also have a minimum monthly income of Rs. 15,000 and at least one year of work experience, including six months with your current employer.

Can I get a no-cost EMI for LASIK eye surgery?

 

Yes, many clinics and lenders offer no-cost EMI options for LASIK. This allows for comfortable LASIK eye surgery finance through easy monthly instalments without extra interest. But the availability depends on the clinic and your debit or credit card eligibility.

What documents are required to apply for a LASIK medical loan?

 

To apply for a LASIK medical loan, you need to produce an ID proof, income proof, address proof, salary slips, and an employment certificate. Some lenders might also ask for additional documents depending on their verification process.

What are the benefits of financing LASIK eye surgery with a medical loan?

 

A medical loan helps you manage the surgery cost without financial strain. You get quick approval, flexible EMIs, and the freedom to cover surgery, tests, and aftercare. It makes LASIK more affordable and easier to plan.

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