Apollo Gleneagles Hospital
58 Canal Circular Road
Kolkata, India 700054
Mon - Fri: 9 am - 7 pm
Saturday: 10 am - 6 pm
Clinic: Ben Nevis
11 A, Rawdon Street
Kolkata, India 700016
Mon - Fri: By Appointment
Saturday: By Appointment
Insurance Coverage For Plastic Surgery
Insurance Coverage for Plastic Surgery ~
Whether you are having cosmetic or reconstructive plastic surgery, we are sure you would eagerly want to know the answer to this question. While the answer is mostly yes in burns and accident victims and health problems; in cosmetic surgeries, it is no, even if the surgery is related to your health in some ways.
Coverage for Reconstructive Procedures ~
Insurance will cover the cost of some procedures if they are considered reconstructive (as opposed to purely cosmetic) in nature. For example, all cases of burns and accidental injuries to the face, body hand, or limbs are covered. In addition, some reconstruction of cosmetic defects following an accident may be covered under certain plans, and repair of certain birth defects, such as cleft lip and palate, are often covered.
Moreover, the surgical correction of any cosmetic defect that significantly impacts the function of the body part in question may also be covered. One example is a midline abdominal hernia that causes pain. If the patient undergoes an abdominal wall reconstruction with a tummy tuck approach, the procedure may be covered at least partly by insurance.
Possible Partial Coverage ~
In some plans, there also may be partial coverage available for any portion of an operation that is not considered cosmetic. A perfect example of this is the correction of a deviated septum within a rhinoplasty (nose job) procedure. Since a deviated septum can negatively affect a patient's breathing and contribute to increased incidence of infection, the correction would likely be covered. However, the part of the surgery designed to correct cosmetic aspects of the nose's appearance would not be covered.
Last Words ~
As a rule, if the procedure will correct or improve a legitimate medical or health concern, surgery may be covered in part or in full. If on the other hand, the purpose of your surgery is intended only to improve your appearance, it is almost certain to not be covered.
Health plans and individual circumstances vary widely. If you think there is a chance your procedure may be covered, speak with both your surgeon and your insurance company to confirm. Only they can tell you if your planned procedure qualifies for full or partial coverage by your insurance plan.
Please Schedule a Consult to Verify if Your Insurance is Accepted