Answers to the most frequently asked questions

If you take out follow-up costs insurance for your cosmetic surgery, you should always plan individually based on the risks associated with the operation. Therefore, there is no blanket insurance that will work for you in every case. You can use our calculator to compare and see exactly how much the costs will be for your chosen cosmetic surgery.

The cosmetic surgery insurance from safe4beauty can be taken out starting at 69 euros a 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 cosmetic surgery insurance.

The plastic surgery insurance from safe4beauty covers follow-up costs arising from the insured procedure, be it treatments or operations, including inpatient stays. If your health insurance company makes claims for restitution, safe4beauty will cover up to 300,000 euros, and up to 10,000 euros for cosmetic clinics.

With the plastic surgery insurance from safe4beauty, the following possible complications are insured for patients with statutory and private health insurance alike, 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 arise.
• Complications due to an accident after 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 surgeries.

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.

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.

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.

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.

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.

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.

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.

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.

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.