Cosmetic surgery in the eye of health insurance
03.09.2022 by Henner International min read 2
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Cosmetic surgery in the eye of health insurance

Cosmetic surgery VS reconstructive surgery

Oftentimes, a confusion exists between cosmetic and reconstructive surgery.

Technically, these terms do not refer to the same procedures and they are not meant for the same purpose. Cosmetic surgery is performed to alter a person’s appearance without changing its physiological functions. This procedure is done to improve the patient’s self-esteem and confidence.

A few types of Cosmetic Surgery Procedures:

  • Breast Enhancement: Breast Augmentation, Breast Lift, Breast Reduction
  • Facial Contouring: Rhinoplasty, Chin, or Cheek Enhancement
  • Facial Rejuvenation: Facelift, Eyelid Lift, Neck Lift, Brow Lift
  • Body Contouring: Tummy Tuck, Liposuction, Gynecomastia Treatment
  • Skin Rejuvenation: Laser Resurfacing, Botox, Filler Treatments

Most policies in the market are not designed to cover cosmetic surgeries. The insured member must refer to the policy terms & conditions for more details.

Reconstructive surgery on the other hand may be covered under Health Insurance.  This medical procedure refers to surgical methods carried out with the objective of correcting trauma or physical defects which may have been caused by accident. This surgical procedure is done to improve the aesthetic appearance of the affected organ by normalizing the appearance and function.

A few examples of reconstructive surgery as follows:

1. Surgery that does have a physiological impact. Prior approvals are usually required to make sure the medical criteria are met. For example:

  • Dental/jaw surgery for persons with an overbite beyond certain millimeters. This condition can lead to serious digestive problems and the surgery to correct it (with a cosmetic aspect) could be covered.
  • Breast reduction in case of proven back problems.
  • Harelip / deformed nose with obstruction to breath normally.

2. Surgery following a fatal accident. For example, car accident in which someone’s nose or face is heavily damaged.

3. Surgery to restore a situation that can cause serious mental suffering. Prior approvals are usually required to make sure the medical criteria are met. For example:

  • Breast cancer
  • Congenital defect (on visible area for example in the face, ears, or on an ‘embarrassing place’)

There are types of surgery that have become “generally accepted” and most insurers will offer coverage limits or consider it as an optional benefit, for example, orthodontic treatment and dental prosthetic work (implants, crowns, etc.).

What is the Henner approach?

The Henner approach varies depending on several factors such as region, Europe vs Asia, insurer selection, cost of the policy.

Majority of Henner’s proprietary plans only cover reconstructive surgery. This way we keep our premiums competitive and offer attractive benefits to the market.

Some of the common procedures that are covered under our plans:

  • Burn Repair Surgery
  • Surgeries followed by Cancer treatment or tumours. g., breast reconstruction following mastectomy, skin grafts and skin flap surgery following tumour removal
  • Surgeries on congenital abnormalities e.g., repair of cleft palates or cleft lips, nasal deformities causing breathing

Other treatments that may also be covered under Henner’s plan will include Lasik Surgery and Adult Orthodontic work. These benefits are offered depending on the type of plan and offering in each country. Contact our team for more information.

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