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If you hold private medical insurance, many of our services including consultations, advanced diagnostic investigations and surgical procedures, you may be eligible for cover, provided prior authorisation is obtained from your insurer.
The extent of cover can vary considerably depending on your individual policy and provider, so we recommend confirming the details of your entitlement directly with your insurer before attending your appointment. It is also important to note that while most insurers recognise cataract and medically-necessary procedures, consultations and treatments relating solely to refractive surgery (such as LASIK, SMILE, or lens exchange for vision correction) are generally excluded from standard policies.
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before your consultation
It’s always best to check with your healthcare insurance provider that they will cover
your fees and provide a pre-authorisation code for you.
Navigating health insurance for eye care can feel complex, as cover varies between providers and policies. At My-iClinic, we support patients in understanding exactly what their insurance entitles them to. Many policies will contribute towards consultations, diagnostic investigations, and cataract or medically-necessary procedures, while lifestyle-driven refractive treatments such as LASIK, SMILE, or PRESBYOND are usually excluded. By reviewing your policy in advance and providing pre-authorisation where required, our team helps ensure you can maximise the benefits of your cover and avoid unexpected costs.
Illustrative examples of annual premiums and what they may cover for ophthalmic treatment.
| Policy Type | Average Annual Premium | Typical Cover | Exclusions |
|---|---|---|---|
| Basic Cover | £40–£60 / month ~£500–£720 annually |
Consultations, basic diagnostic scans, cataract surgery at approved hospitals | Refractive surgery, advanced lenses, elective upgrades |
| Comprehensive Cover | £80–£120 / month ~£1,000–£1,400 annually |
Specialist consultations, full diagnostic imaging, cataract surgery with advanced IOLs, follow-up care | Laser eye surgery, SMILE, PRESBYOND, lifestyle-driven vision correction |
| Premium Cover | £150–£250 / month ~£1,800–£3,000 annually |
Fast-track access, enhanced lens options (EDOF, trifocal), private hospital suites, post-surgery rehabilitation support | Elective refractive-only surgery may still require self-funding |
Thinking about using private health insurance for your eye care? It’s natural to have questions about what’s covered and what isn’t. From consultations to advanced lens procedures, understanding your policy can make all the difference. To help, we’ve answered the most common insurance questions we hear at our North London clinic, so you can plan your treatment with confidence.
Most private insurers in the UK, including those covering North London, will pay for medically-necessary procedures such as cataract surgery. However, elective refractive treatments like LASIK, SMILE, or PRESBYOND are usually excluded.
Policies often include consultations, diagnostic scans, cataract surgery, and medically-required intraocular lens procedures. Coverage varies, so patients should always confirm with their insurer before booking at My-iClinic.
Yes, many insurers cover initial and follow-up consultations, provided prior authorisation is obtained. Refractive consultations (for laser vision correction) are usually self-funded.
Some comprehensive policies may contribute towards advanced intraocular lenses, though most standard policies cover only monofocal options. Patients in North London often choose to self-fund upgrades for maximum visual freedom.
You’ll need to contact your insurer directly with the referral details. Our North London clinic team provides all required clinical information to help streamline the approval process.
No! refractive surgery is generally excluded across all major insurers. Patients in London typically self-fund these procedures.
Yes. Many patients use their insurance for cataract surgery and core procedures, then self-fund premium lens upgrades or refractive treatments for complete visual correction.
We offer a dedicated patient support team to liaise with insurers, assist with paperwork, and clarify cover options. This ensures patients in London can make informed decisions without unexpected costs.
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Consultant Ophthalmologist
Consultant and Surgeon