Finder makes money from featured partners, but editorial opinions are our own.

Health insurance for cosmetic surgery

Cosmetic surgery isn't covered by health insurance, but medically necessary plastic surgery is.

Medicare and health insurance won't pay for cosmetic surgery because it's not medically necessary — for example, surgery intended to improve a person's aesthetic appearance. However, you can get insured for reconstructive surgery that corrects abnormalities and repairs bodily function. You'll find it included in a bronze-level health insurance policy or above.

Which health funds cover medically necessary plastic surgery?

Here's a sample of policies from Finder partners that include private cover for plastic surgery. All prices are based on a single individual with less than $93,000 income and living in Sydney.

1 - 10 of 53
Name Product Treatments Price Apply
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +18 other treatments covered
$91.11
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +18 other treatments covered
$99.25
per month
Bronze Plus Hospital 750
Bronze Plus$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +16 other treatments covered
$102.54
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +16 other treatments covered
$103.32
per month
Frank Better Hospital (Bronze+)
Bronze Plus$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +17 other treatments covered
$107.28
per month
Bronze Plus Hospital 500
Bronze Plus$500 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +16 other treatments covered
$107.93
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +18 other treatments covered
$112.56
per month
core bronze plus
Bronze Plus$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +17 other treatments covered
$113.58
per month
HCF HOSPITAL STANDARD SILVER PLUS
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +24 other treatments covered
$114.03
per month
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +22 other treatments covered
$117.08
per month
loading

Why compare health insurance with Finder?

  • We don't ask for your phone or email to see prices.

  • With 1 click, you can open your results to nearly every fund in Australia.

  • You pay the same price as going direct – we charge no fees.

Start comparing for freeStart comparing for free

How does health insurance cover reconstructive and cosmetic surgery?

Plastic surgery can be split into two categories:

Reconstructive surgery is performed to correct abnormalities, whether they're congenital or acquired, and repair damage as a result of trauma.

  • It's covered by Medicare and health insurance because it's considered medically necessary.

Cosmetic surgery is typically carried out to improve appearance rather than health. For example, facelifts, implants, eyelid surgery and liposuction.

  • It's not covered by Medicare or health insurance because it's not considered medically necessary.

Finder survey: How many people made a hospital claim for any of these conditions?

ResponseFemaleMale
Plastic or reconstructive surgery0.96%0.21%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023

What plastic surgery procedures does private health insurance cover?

If you need to undergo reconstructive plastic surgery, you can get cover for the following types of procedures:

  • Surgeries on congenital abnormalities. A condition that exists at or before birth, such as a cleft palate or a nasal deformity that results in breathing difficulties.
  • Surgeries following burns. Skin grafts, reduction of skin tightening and treatment of scarring.
  • Surgeries following traumatic injuries. Facial bone fractures and breaks that need to be repaired or reset.
  • Surgeries following the removal of cancers or tumours. Breast reconstruction following a mastectomy and skin grafts following the removal of a tumour.
  • Surgeries to repair scars. Lacerations or scarring.

Do I need health insurance for plastic surgery?

It's impossible to predict what the future holds and what sort of medical treatment you may require. If reconstructive plastic surgery is excluded from your cover, you could be hit with significant out-of-pocket costs should you ever need treatment.

You can also get health insurance for plastic surgery with some bronze plus policies. These only cost around $95 a month. If you want peace of mind, it may be worth switching to a policy that covers you.

Why you can trust Finder's health insurance experts

free

We're free

Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
expert advice

We're experts

We've researched and rated hundreds of policies as part of our Finder Awards. We've published 250+ guides and our in-house experts regularly appear on Sunrise, 7News and SBS News.
independent

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).
help

We're here to help

Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.

More guides on Finder

Can't decide? Don't worry - most people find it a bit tricky. Call to speak to an expert now

Go to site