In most cases, cosmetic surgery is considered optional in not only Australia but also other nations around the world. For this reason, most cosmetic surgery health insurance plans will not cover it. However, there are instances when cosmetic surgery is medically necessary and calls for the need to be covered under the health insurance plan. For example, when you involve in an accident like a car or fire accident and get your face injured, this incident will be considered as medical treatment and not a surgery solely for cosmetic purposes. This also applies to persons with natural conditions on their faces that can cause serious problems with their sight, smell, eating, or hearing ability.
Most of the health insurance in Australia covers cosmetic surgery for children and individuals with conditions that are cosmetic in nature. While this procedure may have a detrimental effect on the children’s well-being, it really helps them do away with severe health conditions.
The objective insurance company is to cover solely for the crucial medical treatment of its patients. The fallacy that they should cover all cosmetic surgery is very unfair because some people are just vain and lack justified reasons to undergo cosmetic surgery. If your need to undergo cosmetic surgery is considered a reconstructive procedure as required by the law, the insurance company will cover the cost plastic surgery procedure fully.
Of course, there is various medical attention that Australian insurance companies cover yet considered as cosmetic in many cases. Some of these scenarios include the removal of scars, from moles and acne, skin cancer lesions, and other minor types of skin imperfections.
While injuries cosmetic cause a patient to feel self-conscious, it is still well taken care of by the insurance companies. Besides the conditions that require surgery as covered by the policy, those in question but deemed medically necessary may be included if only the policy covers plastic and reconstructive surgery.