Health insurance with optical cover

What is not included under the optical cover?

Optical insurance plans usually don’t cover several things:

• Pre-existing Conditions you had an eye problem before getting the insurance, treatments for that problem might not be covered.
• Cosmetic Procedures-Surgeries to change the appearance of your eyes, like eyelid lifts, are typically not included.
• Non-prescription glasses- sunglasses or fashion glasses that don’t correct vision are generally not covered.
• Experimental Treatments or untested eye treatments that haven’t been approved widely aren’t glasses- sunglasses are usually covered.
• Over-the-counter products like eye drops you can buy without a prescription are not included.
• Usage Limits-Many plans limit how often you can get eye exams or replace glasses and contacts.

Knowing these exclusions helps you prepare for any costs that your eye insurance plans won’t cover.

Does health insurance cover my eye health?

The NHS offers a range of eye health care services, including free eye tests for certain groups, such as those under 16, over 60, or individuals with specific health conditions. If you’re not eligible for a free NHS eye test, you may find that vision checks and eye health services are covered through private health insurance if your policy includes optical care.

However, most basic health insurance plans in the UK don’t automatically cover routine eye exams or optical treatments. If you want coverage for things like regular eye exams, glasses, or contact lenses, you might need to look into additional optical insurance or choose a policy that offers these benefits as an extra.

Who is the best glasses insurance in the uk?

In the UK, Vitality Optical Cover is often regarded as one of the best options for glasses insurance. It provides comprehensive coverage for eye exams, prescription glasses, and contact lenses, along with discounts on optical products. Plus, you can use the Vitality optical claim to easily get reimbursements for various optical services

Aviva and AXA are also strong contenders, offering substantial coverage and additional benefits like cashback options and access to a wide network of opticians.

How much will I be covered if I include eye care in my health insurance?

Here’s a comparison of what different insurance providers offer for optical coverage:

Optical Insurance

It often covers costs such as eye exams, glasses, and contact lenses. Some eye care plans even include more significant treatments like laser eye surgery. This type of insurance is ideal if you have frequent or extensive eye care needs.

Cash Plans

Provide a broader range of health coverage. They offer partial refunds or cashback for various health expenses, including those related to eye care. While cash plans can help with occasional costs for glasses or eye exams, they also cover other services like dental care and physiotherapy.

If you need regular or comprehensive eye care, optical insurance UK is the better option. If you want general health coverage that includes occasional help with vision expenses, a cash plan might be more suitable.