Consequential Costs Insurance Reliable cover for your cosmetic surgery

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.

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.

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!

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.

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.

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.

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.