Is cosmetic surgery covered with insurance?

The British Association of Aesthetic Plastic Surgeons (www.baaps.org.uk) is first to announce the implementation of a scheme for patients to be protected through insurance. The only aesthetic surgical society to conduct a yearly audit of the procedures performed by its members, BAAPS  was able to work with the world’s leading specialist insurance market, Lloyd’s of London, to create a policy that will safeguard all patients of surgeons who are part of the Association.

The ‘Aesthetic Surgery Commitment’ or ‘ASC’ policy (www.asurgerycommitment.com) covers corrective treatment of all the most common complications of surgery.  No procedure is risk-free and ASC covers all common complications, so people undergoing surgery with BAAPS members can enjoy peace of mind that they will be looked after, in the unlikely event of any problems.

The surgical procedures covered are :

  • Abdominoplasty
  • Blepharoplasty
  • Brachioplasty
  • Breast Augmentation
  • Calf Augmentation
  • Cheek Augmentation
  • Chin Augmentation/reduction
  • Facelift
  • Fat Grafting
  • Gluteoplasty
  • Buttock Implants
  • Gynecomastia
  • Liposuction
  • Labiaplasty
  • Mammoplasty/Mastopexy
  • Male Pectoral Implants
  • Otoplasty
  • Rhinoplasty
  • Thighlift

The complications covered are listed here. The policy automatically activates on the twenty-ninth day after the op and remains live for two years, as during that initial period hospitals would cover any complications.

Pricing starts at £50 for procedures up to the value of £2,000 and cover on a sliding scale is available for surgery worth up to £12,000. Higher cover can be quoted for.

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