Cash Back Medical Insurance

weealia

Hi

Is there any cash back medical plans that will allow me to reclaim for plastic surgery?

This is reconstructive surgery post massive weight loss (not because i want bigger boobs)


Also if such a policy exists - is there one that coer surgical procedures in Europe or is it only in the UK?

I hope someone out there can help me

Brize

No. The condition is (a) cosmetic and (b) pre-existing.

weealia

So how does this work when you can claim, dental, optical, alternative therapies and many other things that are pre-existing??? confused.com

Can i calim the consultation fee's??

zzzLazyDaisy

weealia wrote: »

So how does this work when you can claim, dental, optical, alternative therapies and many other things that are pre-existing??? confused.com

Can i calim the consultation fee's??

Some health plans build into their cover specific types of claim, these often include dental, optical, alternative therapies etc. It works this way because the specific policy allows for it, and you pay the appropriate premium accordingly.

However, as far as I am aware, no insurer or health plan, will cover you for cosmetic surgery.

Some private health care providers will assist you to obtain finance to cover the cost provided you meet their minimum income requirements.

Quentin

weealia wrote: »

Can i calim the consultation fee's??

No.

See if you can get this done on the NHS, otherwise start saving!

weealia

Are Healthcare cash back plans a little different from health insurance? Can anyone explain the difference? I was reading up and the ones i was looking at offer a percentage of cash back on consultants fees which normally offer up to £500 - I think they pay 50% or 70% of whatever you pay for the consultations but none of them define what is classed as a consultation.

NHS isn't an option as it's a 2 year+ waitlist and i do have the money but was looking for ways to cut my costs.

zzzLazyDaisy

A consultation is where you go and see a consultant in his consulting rooms as an out patient. So it would cover the meetings with him to discuss the surgery, and the follow up appointments. But 'consultation' would not cover in-patient treatement, surgery, scans, tests, etc. But, it is unlikely that any health cover is going to cover consultations for cosmetic surgery as this is normally excluded in the T&C's. Many policies also exclude any pre-existing condition as well.

May I suggest that you would might find it more helpful to put these questions to a medical insurance broker, who may be able to find a policy to meet your needs, if one exists. There is a broker here (I know nothing about them, just found them on a google search, but there may be others)

http://www.medibroker.co.uk/

lisyloo

This is reconstructive surgery post massive weight loss (not because i want bigger boobs)

If this is necessary surgery (and I can imagine that it is) rather than purely cosmetic, then are you not entitled to this on the NHS?

zzzLazyDaisy

My cousin is in a similar position having lost loads of weight. She was told that she cannot have the operation on the NHS as it is considered to be cosmetic (which in my view is wrong, but there you are). Of course she may just be a victim of the post-code lottery, and other areas may take a different view.

Quentin

zzzLazyDaisy wrote: »

Of course she may just be a victim of the post-code lottery, and other areas may take a different view.

Must be. The OP can get it done on NHS but isn't prepared to wait.

Brize

zzzLazyDaisy wrote: »

May I suggest that you would might find it more helpful to put these questions to a medical insurance broker.

Complete waste of time. Aside from the fact that private medical insurance does not cover cosmetic treatment, it stands to reason that insurers are not charities and will not accept a small premium in exchange for funding an expensive operation that is already planned.