Does Health Insurance Cover Cosmetic Surgery?

Cosmetic surgery has become extremely popular in recent times. More people are seeking ways to enhance their physical features with the help of this surgery. However, the cost of cosmetic surgery is quite high, which makes many people wonder if it is covered by health insurance plans. Read on to know if health insurance covers cosmetic surgery in India.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*
  • 50,000 claims approved in last 15 months*
  • Schedule home visit with our advisors
  • Get a plan based on your medical needs

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Back
All health plans cover Covid-19 treatment
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “CONTINUE”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Indian pharmaceutical and medical industry has witnessed rapid growth within the past few decades making it one of the best all across the globe. As a result, there has been significant development in the field of medical tourism. However, a lot of people in India want to undergo cosmetic procedures but are hesitant mainly due to the high cost, and exclusion in several health insurance policies

      Technically, Mediclaim policies are not designed and developed to cover the cost of cosmetic surgeries. However, if the procedure is classified as a reconstructive then the medical expenses incurred will be covered by your health insurance policy. The primary reason due to which insurance providers do not cover cosmetic procedures and surgeries under a health insurance policy is that these are not considered vital to maintain quality of life or ensure the right functioning of a body part or system. 

      If you are willing to undergo cosmetic surgery to beautify an external part or organ of your body, there are some factors that you should be aware of. In this article, we will shed light on the inter-relation between health insurance plans and cosmetic surgeries along with various important points to be kept in mind if you choose to undergo one. 

      Bearing the Cost of Cosmetic Procedures

      When it comes to cosmetic procedures, the first thing that strikes your mind is the cost and the safety of the process. Whether the cosmetic surgery you’re planning to undergo is covered under the health insurance policy will be solely based on the provider and the plan. However, the major factor that health insurance providers consider at the time of making the claim is whether the procedure was a reconstructive surgery or cosmetic surgery. 

      Both of these medical procedures are similar yet quite different from each other at the same time. In order to make things clear, let us take a look at both of these processes. 

      • Reconstructive Surgery: This medical procedure refers to surgical methods carried out with the objective of correcting trauma, physical defects, ailments, or diseases. The physical trauma might be caused due to an accident or genetic anomaly. Usually, these surgeries focus on improving the overall aesthetics of the affected organ/body part normalizing its appearance and functioning. 
      • Cosmetic Surgery: Contrary to reconstructive surgeries, cosmetic procedures are carried out with the objective of beautifying the appearance of a particular body part. These procedures improve the patient’s self-esteem and confidence. 

      Most of the mediclaim policy cover reconstructive surgeries, but not cosmetic surgeries. An interesting fact to be considered here is that both the processes are carried out by the same kind of medical practitioners. 

      When does Mediclaim Policy Cover Plastic Surgery?

      The coverage of plastic surgery under your health insurance policy depends upon the criteria of your provider and the definition of the medical procedure. In order to understand and determine whether the process is covered under your Mediclaim policy, it is crucial to know whether: 

      • The process is cosmetic 
      • The process is reconstructive 
      • The process is life-saving 

      If the process is reconstructive or life-saving, then in most cases the medical expenses incurred will be covered under the health insurance policy. The best way to determine is to directly contact your insurance provider with all the details of the procedure to get a thorough understanding of the nuances of the coverage. 

      If you’ve chosen a mediclaim policy that covers reconstructive and plastic surgeries, some of the common procedures that are covered are as follows- 

      • Surgeries performed to normalize congenital anomalies such as repair of cleft palates, cleft lips, nasal deformities that cause difficulty in breathing
      • Surgeries carried out following incidents of burns such as reconstruction, grafting, skin tightening
      • Reconstructive surgeries carried out to normalize traumatic injuries 
      • Scar repair 
      • Laceration 
      • Surgeries followed by treatment of cancer or tumours

      Can I Upgrade My Plan to Cover Plastic and Cosmetic Surgeries?

      Yes, you can upgrade your current health insurance plan to cover cosmetic and plastic surgeries as long as the provider offers coverage against the mentioned procedures. An important point to be considered is that a waiting period of 12 months is applicable for maternity services or pre-existing medical conditions or ailments. However, it may vary from insurer to insurer.

      In a Nutshell!

      With the increasing popularity of cosmetic and plastic surgeries, there has been an increase in the number of providers that provide coverage. You can analyse, compare, and shortlist different providers and plan online based on your needs to get the best plan at the best price. 

      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Care Health Insurance Introduces New ‘Care Supreme’ with Comprehensive Coverage

      16 Nov 2022

      In a bid to provide world-class comprehensive coverage to people...
      Read more
      Sum Insured in Health Insurance: Meaning & Importance

      11 Nov 2022

      People who are new to the world of insurance may not understand...
      Read more
      How to File a Reimbursement Claim Under Health Insurance?

      03 Nov 2022

      The biggest reason for buying health insurance is to get financial...
      Read more
      Health Insurance Policies to Include Mental Health Coverage Before 31 Oct: IRDAI

      02 Nov 2022

      The Insurance Regulatory and Development Authority has directed...
      Read more
      Monkeypox: Dos and Don’ts of the Disease That You Should Know

      15 Sep 2022

      Monkeypox has slowly and steadily spread to more than 85 countries...
      Read more
      PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
      Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
      Read more
      Best Health Insurance Plans
      Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
      Read more
      Best Maternity Insurance Plans
      Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal...
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi...
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL