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Most of us identify ourselves with our body first and then our name. Our body is that one thing we exclusively own. Altering or changing any part of the body isn’t an easy task for any of us and therefore, surgery of any kind isn’t the easiest decision, both: emotionally and financially. This is true especially in India, where people are sceptical about cosmetic procedures as very little was known and discussed about this subject until recently.
Are Cosmetic Surgeries covered under Insurance? Insurance for Reconstructive and Cosmetic Surgeries
But on the positive side, unlike before, today, cosmetic surgery isn’t experimental or ‘want’ based. Now, cosmetic surgery is a need and a solution for several difficulties and to add to that, the Indian pharmaceutical and medical industry has boomed in the last decade, creating a pathway for people to understand and educate themselves about what dermatological and cosmetic surgery is all about and how it can help them. Here, it is interesting to note that one of the most asked questions when someone decides to undergo a cosmetic procedure is – If Cosmetic surgeries are covered under insurance?
Technically, Mediclaim policies are not designed and developed to cover the cost of cosmetic surgeries. However, if the procedure is classified as reconstructive then the medical expenses incurred will be covered by the health insurance policy. But not all procedures can come under this category, therefore, here are a few things that could come handy while making a decision with respect to cosmetic procedures:
The Cost: The first thing that strikes our mind about undergoing cosmetic surgery of any kind is the cost that it might incur and whether the insurance covers cosmetic surgery. This is dependent on the provider and the plan. However, the major factor considered by the providers is whether the procedure is cosmetic or reconstructive.
Certain procedures can be covered under insurance like a woman suffering from back pain, shoulder pain due to very large breasts ,in such cases breast reduction is considered functional and not cosmetic and is covered under insurance, also in case of nose surgery done for breathing issues insurance can be claimed.
Reconstructive surgeries are medical procedures that refer to surgical methods carried out with the objective of correcting trauma, physical defects, ailments, or diseases that focus on improving the overall aesthetics of the affected organ/body part, normalising its appearance and functioning whereas, Cosmetic surgeries are carried out with the objective of beautifying the appearance of a particular body part to boost a patient’s self-esteem and confidence.
While both the procedures are carried out by the same kind of medical professionals, Mediclaims usually cover only the former.
The leading question to insurance is – Whether the insurance plan can be upgraded to cover Cosmetic surgeries? Yes, the plan can be upgraded provided the provider offers coverage against the mentioned procedures. The time period to do the above may vary from insurer to insurer.
With the growing requirement and popularity of cosmetic surgeries, there is a significant rise in the number of providers that provide coverage. So, the next time you want to get a cosmetic procedure – analyse, compare and choose what fits your needs the best and for any other questions you might have, please feel free to reach out to us.

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