Cosmetic surgery/treatment

Cosmetic surgery/treatment and the removal of healthy tissue

International Private Medical Insurance policies typically do not cover investigations or treatment for cosmetic or aesthetic purposes, even when they are medically prescribed. This includes procedures such as the removal of healthy tissue, including fat, skin or breast tissue, breast enlargement or reduction, sclerotherapy for spider veins, treatment of superficial varicose veins, Botox, dermal fillers, or treatment of vitiligo or any skin pigmentation disorder. These types of procedures are considered elective and are not considered medically necessary by most insurance providers. However, some policies may have a specific benefit for reconstructive surgery and in such cases, coverage may be provided under that benefit. It is important to carefully review the terms and conditions of your policy and understand the specific exclusions and benefits provided.