Take out insurance with full knowledge of the facts Questions and answers about our follow-up costs insurance

Plastic and cosmetic surgery procedures are only covered by health insurance funds in rare, exceptional cases. If they are paid for privately, the health insurance fund will generally not cover the resulting follow-up costs, or will only cover them to a very limited extent. However, if serious complications arise – such as emergency treatment or emergency surgery – the health insurance provider may even reclaim the costs incurred from the patient. These sums can be very high and place a significant financial burden on those affected.

With 4beauty’s follow-up costs insurance, however, you are covered: for those with statutory health insurance, the maximum sum insured is up to 300,000 euros. For treatment in private clinics, up to 10,000 euros covered – for example, if an implant needs to be replaced due to capsular fibrosis. Without insurance, patients would have to bear the full cost themselves.

Follow-up care insurance offers protection against the financial burden that may arise from unforeseen complications following cosmetic or plastic surgery. As statutory health insurance schemes often do not cover the costs in such cases, this insurance steps in to cover the expenses incurred for medically necessary follow-up treatment. It thus provides additional security and relieves patients of financial burden in the event of unwanted health consequences following cosmetic surgery.

Implants involve the insertion of foreign bodies, which the body may reject. If the implants need to be replaced, this entails considerable financial expense. Follow-up costs insurance covers the cost of the operation to replace the implants, as well as the cost of new implants, for example in cases of severe capsular fibrosis.

Depending on the tariff, 4beauty’s insurance cover includes the following potential complications – regardless of whether you have private health insurance, are eligible for subsidised health insurance or are covered by the state health insurance scheme:

• Medical complications arising following the insured operation and their treatment, such as punctures to drain wound fluid, wound debridement due to infection, wound healing disorders or the treatment of necrosis.
• Medical treatments and operations required to restore the original aesthetic result following complications.
• Complications arising from an accident following cosmetic surgery.
• In breast augmentation procedures, the replacement of breast implants following capsular contracture using the Baker Grade III & IV, the slippage or rotation of the implants and the resulting asymmetries, as well as following infections.
• In-patient stays in hospitals for medically necessary treatments and operations.

With 4beauty, you can cover a wide range of aesthetic and cosmetic procedures, including:

• Breast surgery (augmentation, reduction, lift)
• Rhinoplasty
• Liposuction
• Eyelid lift
• Facelift
• Buttock lift
• Gynecomastia surgery
• and more

Discover our services covering a wide range of treatments and put together your own personalised package!

Generally speaking, no. Statutory and private health insurance schemes only cover the costs of cosmetic surgery and any resulting complications in rare, exceptional cases, as these procedures are not medically necessary. In the event of emergency treatment, the health insurance scheme may even reclaim the costs incurred from you.

Your doctor’s professional indemnity insurance only applies in the event of a proven medical error. 4beauty’s consequential costs insurance is separate from this: it covers the costs of medically necessary follow-up treatment in the event of complications, even if the doctor is not at fault – medical errors themselves are expressly not covered by the insurance.

The following will be only physical complications insured.

No, in the event of a claim, you have freedom to choose one’s doctor for follow-up treatment.

Yes, with 4beauty, your cover isn’t limited to treatments in Germany. We also provide cover for the following countries:

• France
• Italy
• Austria
• Spain
• Czech Republic

4beauty’s follow-up treatment cover only applies to medically necessary follow-up treatments. It does not cover any further treatments in the following cases:

• Self-inflicted complications or injuries
• Dissatisfaction with the outcome of the insured treatment
• Capsular fibrosis, Baker grade I or II
• Complications that resolve on their own without medical intervention

This list is not exhaustive. Please read the General Terms and Conditions of Insurance, which are made available to you in a transparent manner before you take out the policy.

The cover provided by our follow-up costs insurance amounts to a maximum of 300,000 euros for those with statutory health insurance, who are usually treated at public or statutory hospitals. For treatment at private clinics, a maximum amount of a maximum of 10,000 euros.

This difference stems from the differing cost structures and billing arrangements between statutory and private healthcare. We therefore recommend that, when choosing a policy and the sum insured, you take into account your individual healthcare situation and the risks associated with your cosmetic surgery.

This way, you can ensure that you are adequately covered in the event of any unexpected complications.

The terms of 4beauty’s follow-up costs insurance vary depending on individual needs for 1 and 3 years designed. In the case of breast surgery and the risk of capsular contracture, a duration of 3 years is advisable, as capsular contracture is more likely to develop within the first 3 years.

The insurance premium depends on the type of planned procedure and the policy term you have chosen.

The article is published as One-off payment charged by direct debit.

You can up to three procedures combine them in a follow-up costs insurance policy. However, there are a few exceptions that cannot be combined – you will find detailed information on this as you complete the online application.

Should complications arise only after the contract period has ended, then no insurance cover.

This is a decision taken on a case-by-case basis. Subject to consultation with the insurer and confirmation from the clinic that the treatment went well, retrospective adjustments may be possible in certain circumstances.

You can take out follow-up costs insurance with 4beauty very easily online – it only takes a few clicks. The process is handled digitally and payment is made by direct debit. We’d also be happy to advise you over the phone.

4beauty’s follow-up costs insurance can still be taken out on the evening before the operation, up until 11.59 pm must be completed and is then valid from the following day.

You can also take out follow-up costs insurance well in advance of the operation. With us, cover begins on your chosen operation date (the date of the procedure) and can between 1 and 3 years amount to.

As is customary with insurance policies in Germany, you are obliged to answer the questions on the application form truthfully and in full (pre-contractual duty of disclosure).

Yes, you have a 14-day right of withdrawal from the date of receipt of your contract documents.

No, you must take out insurance do not take out a new policy. We will amend your contract once we have received a reason for the postponement.

You have a 14-day right of withdrawal from the date you receive your contract documents. If you wish to cancel your contract at a later date, please contact us so that we can assess your specific circumstances.

To choose the best insurance cover for the after-effects of cosmetic procedures, you should bear the following key points in mind:

• Sum insured: Make sure you have a sufficiently high level of cover so that you are financially protected in the event of complications.
• Scope of services: Check whether medically necessary follow-up treatment and complications are covered.
• Duration and validity: Choose an insurance policy with a term that also covers late-onset complications.
• Costs: Compare the premiums in relation to the scope of cover.
• Terms and conditions: Please read the terms and conditions carefully, particularly the sections on exclusions and the time limits for reporting claims.

A careful comparison of these criteria will help you find the right insurance cover for ongoing costs to suit your needs.

Tips on taking out follow-up costs insurance:

• Take out cover in good time before the procedure – Insurance cover should begin before the planned operation. Many providers allow you to take out cover up to one day before the procedure. However, it is advisable to take out the insurance well in advance to ensure that all the formalities are completed in good time.
• Compare providers and tariffs – There are various providers of insurance against ongoing costs. The premiums vary in terms of the sum insured, the policy term and the benefits covered.
• Check the insurance terms and conditions carefully – Not all complications are automatically covered. It is important to read the insurance terms and conditions carefully and to understand which benefits are covered in the event of complications. Ask, for example, whether cosmetic corrections or follow-up treatment after the standard aftercare period has ended are also included.
• Take costs and duration into account – Premiums for follow-up costs insurance vary depending on the procedure and the provider. You can often choose a policy term of between one and three years. It is advisable to choose a term that covers the period during which complications might arise.
• Book a consultation – Many clinics offer consultation sessions during which the topic of taking out insurance to cover follow-up costs is also discussed. Make the most of this opportunity to clarify any questions you may have and find out about the various options available.
• Get testimonials – Other patients’ experiences can provide valuable insights. Platforms such as Estheticon offer forums where users can share their experiences of different providers and pricing plans.
• Provide all relevant information – When taking out the insurance, all relevant information – such as the type of planned procedure, your state of health and any pre-existing conditions – should be provided accurately. This ensures that the insurance cover will apply should the need arise.

No, 4beauty doesn’t have no age limit for consequential costs insurance.

Yes, this is relevant, for example, in the case of ear correction surgery, which is often carried out on children. As minors cannot enter into legally binding contracts themselves, the insurance company must by the parents or the legal guardian be completed.

Yes, the follow-up costs insurance can be taken out independently of the 4beauty financing and combined with it – many patients use both products at the same time.