Follow-up cost insurance
A follow-up costs insurance is an insurance contract , the policyholder before a financial consequences of fateful complications after medically indicated measures ( cosmetic surgery protects).
Scope of insurance
In general, there are anesthetic risks such as B. associated with a pulmonary embolism . Depending on the type of cosmetic surgery, there are additional specific risks. For example, capsular contracture can develop as a result of breast enlargement with implants . If necessary medical treatment is required due to a complication, costs arise that are usually not covered by the patient's normal health insurance. This gap in coverage is closed by the consequential cost insurance. In addition, private medical services and the restoration of the desired aesthetic result can also be covered. Treatment errors are usually excluded from insurance cover.
Duration of the insurance relationship
The insurance is taken out for the planned cosmetic surgery and ends automatically afterwards. The duration of the insurance cover for the treatment of complications varies between one and up to six years. As a rule, only a single premium is due without any further payment obligations.
Legal bases
Statutory insurance, who have undergone a medically not indicated measure, such as cosmetic surgery, have to contribute appropriately to the costs of a complication, including sick pay , according to § 52 Abs. 2 SGB V.
Depending on the individually agreed insurance cover, privately insured persons have no or no full protection against the financial consequences of cosmetic surgery. In the basic rate of private health insurance , reimbursement of consequential costs is generally excluded.
Individual evidence
- ↑ sheche: Association of Private Health Insurance eV: Legal sources. In: www.pkv.de. Retrieved August 16, 2016 .
