Some of the features of the human eye that greatly help to refract light entering the eyes are
Answer Details
Refraction happens at a boundary between media of different refractive index, and the larger the difference in index and the more curved the surface, the greater the bending. Light entering the eye meets its largest index change at the front surface of the cornea, where it passes from air (\(n \approx 1.00\)) into corneal tissue (\(n \approx 1.38\)) across a strongly curved surface. That single boundary provides roughly two thirds of the eye's total converging power. The crystalline lens (\(n \approx 1.41\)) supplies the remaining power, and it is the only part whose power can be varied: the ciliary muscles change its curvature so that objects at different distances are focused on the retina, a process called accommodation. The features that chiefly refract the light are therefore the cornea and the lens.
The aqueous humour behind the cornea and the vitreous humour in front of the retina are watery fluids of index about \(1.34\). Their indices are so close to those of the cornea and the lens that the boundaries with them cause very little further bending; their jobs are to keep the eyeball firm, maintain its shape and nourish the tissues, not to focus light. That is why pairings built around a humour are weaker answers.
A useful examination check: whenever a question asks which structure refracts, look for the surface with the biggest refractive-index step. In the eye that step is at air-to-cornea, which also explains why vision is blurred under water, since water and cornea have nearly the same index and the cornea then loses most of its power.