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Health insurance does not cover liposuction as these policies are not designed for elective cosmetic procedures. However, there are certain scenarios where you can use the health insurance policy to cover liposuction costs.
Many people who wish to get rid of unwanted fat from different parts of the body wonder if the treatment cost can be covered by insurance or not. Though the cost of liposuction and other cosmetic procedures in India is less expensive compared to other countries, insurance companies exclude these procedures due to several reasons.
Cost of Liposuction in India
On average, the cost of liposuction surgery ranges from Rs. 30,000 to Rs. 2,50,000. And this is merely an estimate. The actual cost of the procedure along with post-surgery care can further increase the overall expense. That’s why most people hope to use health insurance for the treatment.
In reality, any type of liposuction will only be covered by insurance if the procedure is classified as reconstructive surgery. There is a significant difference between cosmetic surgery and reconstructive surgery-
- Cosmetic Surgery is the procedure that is performed to enhance or improve the appearance of a particular body part. Such treatments are meant to boost the patient’s confidence and self-esteem.
- Reconstructive Surgery is the medical procedure that is performed to correct physical defects, ailments, diseases, or physical trauma irrespective of the cause. This type of procedure is meant to improve the aesthetics as well as the organ’s or body part’s functioning.
Another scenario where liposuction may get covered by health insurance is if you have purchased a health insurance or mediclaim policy that covers cosmetic procedures.
When Insurance May Cover Liposuction Surgery?
The coverage of liposuction surgery primarily depends on the insurance provider and the definition of the medical procedure.
To distinguish the cosmetic procedures, the insurance providers categorize the surgery into the following-
- The surgery is cosmetic.
- The surgery is reconstructive.
- Surgery is life-saving.
As the liposuction technique is very rarely used for reconstructive purposes or in life-saving procedures, the medical expenses that incur during the treatment are usually not covered by health insurance.
However, there are some exceptions. For instance, if a breast lump is found in a patient and liposuction is needed to remove the lump, the insurance may approve the claim. Similarly, breast reduction surgery can be done for cosmetic as well as medical reasons. Due to this, the cost of treatment is likely to be covered by health insurance.
Some common examples where insurance may cover liposuction are-
- Removal of lipomas
- Removing fat deposits in people with lipedema
- Treatment of gynecomastia
- Treatment of lymphedema
- Body parts affected by lipodystrophy syndrome
- Removal of fat in people who are morbidly obese
- Transferring fat from one area to another, specifically the area which is affected due to injury or burn.
Note: There are some insurance policies available that cover liposuction and other cosmetic procedures too.
Contact Pristyn Care to Undergo Liposuction Without Insurance
Generally, if you are planning to undergo liposuction solely for cosmetic reasons, health insurance doesn’t cover liposuction. But you do not need to worry as Pristyn Care is here. We provide No-Cost EMI service to the patients who wish to get liposuction done on one or multiple body parts but don’t have the financial stability to afford the entire cost at once.
The No-Cost EMI service allows the patient to divide the complete expense into easy installments and pay them over a specified course of time at their convenience. So, whether you wish to get rid of fat from your abdomen, thighs, back, arms, hips, or breasts, you can do so after consulting our expert plastic surgeons.
