New Delhi, March 20 -- I am planning to undergo LASIK surgery to correct my eyesight. Will my health insurance policy cover this procedure? What are the rules and conditions I should be aware of?

- Name withheld on request

LASIK surgery is a popular option to correct vision and reduce dependence on glasses or contact lenses. But when it comes to insurance, coverage is far from straightforward.

While widely opted for, LASIK is typically treated as an elective procedure-meaning most policyholders end up paying out of pocket unless specific medical conditions are met.

LASIK, or Laser-Assisted in Situ Keratomileusis, is used to treat refractive errors such as myopia (near-sightedness), hypermetropia (far-sightedness) and astigmatism.

The...