Answers to the most frequently asked questions

Here we provide you with the answers to the most frequently asked questions about our safe4beauty cosmetic surgery insurance.

CAN I ALSO PAY FOR MY COSMETIC SURGERY IN INSTALLMENTS?

A cosmetic surgery can become a major financial challenge under certain circumstances. The demand for such treatments is rising continuously, and the operation costs are being adjusted upwards accordingly. To still be able to afford a cosmetic surgery, we offer a financing option of medical and cosmetic treatments through credit4beauty. Read here how easy credit4beauty works.

WHAT DOES THE COSMETIC SURGERY INSURANCE FROM SAFE4BEAUTY COVER?

The plastic surgery insurance from safe4beauty covers any follow-up costs arising from the insured procedure, be it treatments or surgeries, including inpatient stays. In the event of claims for restitutions by your health insurance company, up to 300,000 euros are covered, and up to 10,000 euros in the case of beauty clinics.

WHICH COSMETIC SURGERY INSURANCE IS THE BEST?

If you take out cosmetic surgery insurance for your plastic surgery, you should always plan it individually based on the risks associated with the procedure. Therefore, there is no blanket insurance that will work best for you in every case. Use our calculator to compare and see exactly how high the insurance costs will be for your chosen cosmetic treatment.

WHAT IS INSURED IN THE COSMETIC SURGERY INSURANCE FROM SAFE4BEAUTY?

With the follow-up costs insurance of safe4beauty, the following possible complications are insured for patients with statutory or private health insurance, depending on the tariff:

  • Complications and their treatment arising after the insured surgery, such as punctures due to exudates, wound revisions due to infections as well as wound healing disorders or the treatment of necroses.
  • Treatments and operations necessary to restore the original aesthetic result after complications.
  • Complications due to an accident after a cosmetic surgery.
  • In the case of breast augmentation, the breast implant replacement after a grade III or IV capsular contracture, the shifting of the implants and resulting asymmetries, as well as after infections.
  • The inpatient stay in clinics for medically necessary treatments and operations.
HOW EXPENSIVE IS THE COSMETIC SURGERY INSURANCE FROM SAFE4BEAUTY?

A cosmetic surgery insurance from safe4beauty can be taken out starting at just 69 euros per year. However, there are different rates, as safe4beauty wants to cover your individual needs as well as the desired cosmetic surgery and save you money in the process. Use our calculator to quickly find out the tentative costs for your individual follow-up cost insurance.

WHAT ARE THE ADVANTAGES OF A PLASTIC SURGERY INSURANCE FROM SAFE4BEAUTY?

If you are covered by the safe4beauty cosmetic surgery insurance, qualified employees will quickly take care of your concerns and ensure a speedy payout in the event of complications. We attach great importance to an uncomplicated and unbureaucratic handling. The costs are covered by a one-off payment prior to the operation and the insurance certificate is sent to you digitally by email.

WHAT SHOULD YOU LOOK OUT FOR WHEN TAKING OUT A COSMETIC SURGERY INSURANCE?

When taking out a cosmetic surgery insurance, you should make sure that the insurance is takes effect at least one day before the procedure and that your account is covered on the collection date. As usual, you must provide complete and truthful information when applying.

HOW LONG ARE THE CONTRACT TERMS OF THE SAFE4BEAUTY FOLLOW-UP COSTS INSURANCES?

The contract terms of the cosmetic surgery insurance at safe4beauty are designed for 1 to 3 years, depending on individual needs. In case of lift surgeries or liposuctions, for example, complications usually occur within one year. When it comes to breast surgery and the risk of capsular contracture, a term of 3 years is recommended, as capsular contracture tends to develop within this period.

WHAT IS COVERED BY A COSMETIC SURGERY INSURANCE?

Basically all follow-up costs of medically necessary treatments that may arise from the insured procedure are covered by such an insurance police. However, there are different tariffs for cosmetic surgery insurances, which can be selected accordingly to your individual needs and the operation in question.

WHY IS A COSMETIC SURGERY INSURANCE IMPORTANT, ESPECIALLY REGARDING IMPLANTS?

When inserting any kind of implants, there is always the risk that the patient’s own body might reject them as foreign bodies. If the implants must be replaced, this results in considerable financial expenses. Follow-up cost insurance covers the surgery to replace the implants as well as the cost of new implants themselves if, for example, there is a severe capsular contracture.

HOW CAN I TAKE OUT A CONSEQUENTIAL COSTS INSURANCE?

At safe4beauty, you can easily take out a cosmetic surgery insurance online. The process is digital and payment is made by direct debit. We will also be happy to advise you by telephone regarding the contract closing.

WHO NEEDS A COSMETIC SURGERY INSURANCE?

The insurance of cosmetic surgeries is suitable for every adult person with German or Austrian residence who undergoes an aesthetic treatment and doesn´t want to be stuck with the costs incurred in case of complications.

WHY IS A COSMETIC SURGERY INSURANCE USEFUL?

Plastic and aesthetic surgery procedures are only rarely covered by health insurance. If the treatment is paid for privately, any follow-up costs that may arise are only partially covered by health insurance, or not even at all. If serious complications occur and, for example, an emergency treatment or emergency surgery are necessary, the health insurance company can claim these costs back from you. The costs for this can be very high and financially ruin those affected.

However, medically necessary corrective surgery in your beauty clinic is also covered up to 10,000 euros. This can be, for example, a breast implant exchange in case of capsular fibrosis, which is not an emergency operation, but is also very expensive and must be paid for privately by those who do not have cosmetic surgery insurance.

WHAT IS A COSMETIC SURGERY INSURANCE?

A cosmetic surgery insurance protects you from any costs that may arise in the event of complications during or after a planned cosmetic procedure. Follow-up costs of cosmetic surgeries are usually not covered by health insurance and can place a heavy financial burden on patients afterwards. A insurance helps to mitigate these financial risks.