Complete peace of mind for complex eye surgery

Private Health Insurance For Your Eyes - London

Our insurance partners provide the best medical coverage for advanced eye surgery. 

Top London Surgeon

Trusted and highly recommended locally.

Local Consultation

Honest advice with no obligation to proceed.

Advanced Technology

The safest laser treatments available.

0% Finance

Interest-free monthly payments.

Complete Care With Our Medical Insurance Options

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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Endorsed by leading insurance providers for trust & care.

We will require your pre-authorisation code

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.

 

Need help?

Understanding Your Insurance Cover with My-iClinic

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.

Typical Health Insurance Costs for Eye Care

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
Figures are illustrative for typical UK health insurance policies. Actual premiums and cover depend on provider, age, and medical history.

Important FAQ's For Eye Health Insurance

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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Meera Radia

Consultant Ophthalmologist

SPECIALTIES

EDUCATION

  • FRCOphth – Fellow of the Royal College of Ophthalmologists
  • CertLRS – Certificate in Laser and Refractive Surgery, Royal College of Ophthalmologists
  • MBA – awarded a fully funded academic scholarship for postgraduate business studies
  • MBBS (Hons)
  • BSc (Hons)
  • Ophthalmology Specialist Training – North Thames Deanery
  • Advanced Fellowship Training in Medical Retina, Uveitis and Cataract Surgery – Moorfields Eye Hospital, London

RESEARCH

Meera has published and presented research across medical retina, artificial intelligence, ophthalmic imaging, cataract and digital eye care.
Her research has included work on deep-learning systems for the detection of retinopathy of prematurity, artificial-intelligence classification of retinal images, surgical outcomes in macular hole surgery, ophthalmic simulation and the availability of image datasets for anterior-segment artificial intelligence research.
Selected publications include work in the Journal of Cataract & Refractive SurgeryThe Lancet Digital HealthGraefe’s Archive for Clinical and Experimental OphthalmologyInvestigative Ophthalmology & Visual Science and the British Journal of Hospital Medicine.
She was also part of a team awarded a £70,000 Bayer Ophthalmology Research Award for research into artificial intelligence in retinopathy of prematurity.

AFFILIATIONS

  • Royal College of Ophthalmologists
  • European Society of Retina Specialists (EURETINA)
  • European Society of Cataract and Refractive Surgeons (ESCRS)
  • UK & Ireland Society of Cataract and Refractive Surgeons
  • International Ocular Inflammation Society
  • Chair and Lead, North West London Uveitis Network
  • Royal College of Ophthalmologists CESR Pathway Assessor
  • Former Associate College Tutor, Western Eye Hospital, Imperial College Healthcare NHS Trust
  • NHS England Clinical Entrepreneur Programme Fellow
  • Former elected Public Governor, Royal Free London NHS Foundation Trust

Harry Orlans

Consultant and Surgeon

SPECIALTIES

EDUCATION

– BA (Hons) Physiology & Neuroscience, 1st Class, University of Cambridge (2007)
 
– BM BCh Batchelor of Medicine & Batchelor of Surgery with Distinction, University of Oxford (2010)
 
– MA (Cantab), University of Cambridge (2011)
 
– The Crombie Medal, Royal College of Ophthalmologists (2011)
 
– FRCOphth, Royal College of Ophthalmologists (2017)
 
– DPhil (PhD), University of Oxford (2019)
 
– Fellowship in Vitreoretinal Surgery, St Thomas’ Hospital, London (2020-2021)
 
– Fellowship in Vitreoretinal Surgery, Moorfields Eye Hospital, London (2022-2023)
 
– Fellowship in Medical Retina, Moorfields Eye Hospital, London (2023)
 
– AFHEA, Associate Fellow of the Higher Education Academy (2025)
 

LATEST RESEARCH

– MRC/Fight for Sight Clinical Training Research Fellowship (2015)
 
– The Founders Cup and Medal, Oxford Ophthalmological Congress (2018)
 
– MRC Developmental Pathway Funding Scheme (2020)
 
– The Ruskell Medal for Research, The Worshipful Company of Spectacle Makers (2021)
 
Zheng Q, Orlans HO, Staurenghi F, McClements ME, MacLaren RE. Design and Validation of Mirtron-Mediated RNA Interference for Gene Therapy Therapy Methods Mol Biol. 2026; 3023: 195-206.
 
Orlans HO, Yazdouni S, Williamson TH, Wong RS, Laidlaw DAH. A novel post-operative drop regimen reduces risk of ocular hypertension following pars plana vitrectomy. Ophthalmologica. 2023; 246(1):32-38.
 
Azad A, Laidlaw DAH, Orlans HO. Using QR smartphone technology to improve patient communication and information distribution. Eye 2022;26(6):1321-1322.
 
Orlans HO, McClements ME, Barnard AR, et al. Mirtron-mediated RNA knockdown/replacement therapy for the treatment of dominant retinitis pigmentosa. Nat Commun 2021;12:4934.
 
Corazza P, D’Alterio FM, Kabbani J, Alum MMR, Mercuri S, Orlans HO, Younis S. Long-term outcomes of intravitreal anti-VEGF therapies in patients affected by neovascular age-related macular degeneration: a real-life study. BMC Ophthalmol 2021;21:300.
 
Xue K, Jolly JK, Barnard AR… Orlans HO et al. Beneficial effects on vision in patients undergoing retinal gene therapy for choroideremia. Nat Med 2018;24:1507–1512.

AFFILIATIONS

Fellowships and Memberships in Professional Societies
 
– Fellow of the Royal College of Ophthalmologists
 
– Member of the British & Eire Association of Vitreoretinal Surgeons (BEAVRS)
 
– Member of the European Society of Retinal Specialists (Euretina)
 
– Associate Fellow of the Higher Education Academy (Advance HE)