Whether you wear glasses, contact lenses, or just want to keep your eyes healthy, vision insurance can help reduce out-of-pocket expenses and make routine eye care more affordable.
What Does Vision Insurance Typically Cover?
Vision insurance usually covers routine eye care rather than major eye surgeries (which are typically covered under health insurance). Here’s what a standard plan often includes:
Typical Coverage Includes:
- Annual comprehensive eye exams
- Prescription eyeglasses: including lenses and frame allowance
- Contact lenses: in place of glasses, including fitting
- Lens enhancements: such as anti-reflective coating or photochromic lenses (partial coverage)
- Discounts on LASIK or refractive surgery (select plans)
Not Typically Covered:
- Medical treatments for eye diseases (covered by health insurance)
- Non-prescription eyewear
- Premium frame brands beyond allowance
- Sunglasses without prescription (unless specified)
Major Vision Insurance Providers: Comparison Table
Here’s a quick look at popular vision insurance plans and how they stack up:
| Provider | Exam Coverage | Eyeglass Coverage | Contact Lens Coverage | Notable Perks |
|---|---|---|---|---|
| VSP Vision Care | 100% after copay | RM 600 – RM 800 frame allowance | RM 500/year (instead of glasses) | Large network, great lens add-on coverage |
| EyeMed | 100% after copay | RM 600 – RM 1,000 allowance | RM 500/year | Flexible plans, discounts on LASIK |
| AIA Vision Riders | Covered with health plans | Reimbursable with receipts | Reimbursable | Combines with general health plans |
| Great Eastern | Reimbursement-based | Annual reimbursement limits | Reimbursement | Best if bundled with health/life insurance |
| Allianz Care | Via corporate plans | RM 500 – RM 1,000/year | RM 500 – RM 800/year | Coverage varies with corporate benefit level |
Note: Coverage and pricing vary by region, provider, and plan type. Always check with the provider or your HR.
Tips to Maximize Your Vision Insurance Benefits
- Use Your Annual Exam!
Most plans include a yearly exam — don’t skip it, even if you think your vision is fine. - Know Your Frame Allowance
Choose frames within your allowance or understand any extra charges for upgrades. - Use “Either/Or” Wisely
Most plans cover glasses OR contact lenses, not both — choose based on your lifestyle. - Use FSA/HSA for Extras
Use your Flexible Spending Account (FSA) or Health Savings Account (HSA) for lens coatings, sunglasses, or LASIK if not covered. - Stick to the Provider Network
Going out-of-network often reduces your coverage and requires manual reimbursement. - Check for Promotions
Some opticians (like Malaya Optical) run seasonal sales or upgrades for insured customers.
Vision Insurance FAQ
Q: Is vision insurance the same as medical insurance?
A: No. Vision insurance covers routine eye care and corrective lenses. Medical insurance covers treatments for eye diseases like glaucoma or cataracts.
Q: What happens if I don’t use my benefits?
A: Most vision insurance benefits do not roll over — use it or lose it annually.
Q: Can I use both glasses and contacts with my plan?
A: Typically, you can use one or the other per year — but you may be able to pay the difference for both.
Q: Can I get LASIK covered by vision insurance?
A: Not usually fully covered, but many plans offer discounts at partner clinics.
Q: How do I know if Malaya Optical accepts my plan?
A: Contact Malaya Optical directly to confirm if your vision plan is accepted, or for help with reimbursement documentation.
Need Help Navigating Your Vision Benefits?
Let the professionals at Malaya Optical help you understand and maximize your vision insurance.
Book your eye exam or eyewear consultation at Malaya Optical
They’ll guide you on what’s covered, help with claims, and ensure you get the best value for your plan.