Full-body complication coverage in two tiers
The Aesthetisure program covers the treatment of complications arising from cosmetic surgical procedures of the face, breast, and body. Coverage is triggered when a registered patient experiences a covered complication within 45 days of surgery and receives treatment at an emergency room, hospital, or accredited surgical facility. Capsular contracture following primary breast augmentation carries an extended 12-month coverage window.
Choice and Premier
- Choice — Lower benefit maximum at a lower premium. Designed for practices that want baseline complication coverage without a higher per-patient cost.
- Premier — Higher benefit maximum at a higher premium. Designed for practices performing procedures with greater financial exposure or patients who want more comprehensive protection.
Each tier has two rate levels, set by the state in which your practice is based. There is no volume-based pricing, no rating exercise, and no underwriting delay. Rates are fixed, and we can provide a quote immediately.
How the premium works
The premium is charged once per surgical setting, not per procedure. A patient undergoing multiple procedures in a single surgical setting pays one premium. Practices choose how to handle the cost: build it into the surgical fee, bill it to the patient separately, or pay it as a practice expense.
What’s required
- The practice must register every patient having a covered procedure in the portal before surgery. Registration is mandatory, not optional. Non-reporting practices receive a warning and risk cancellation.
- One policy per practice, held at the main or corporate office.
- A surgeon may only be covered under one practice’s policy at a time.
- The policy auto-renews annually.
Claims
When a covered complication occurs, the practice or patient contacts us directly. Our claims representative manages the case personally. We never require a health insurance denial before beginning work on the claim. We will contact the patient’s health insurer and handle coordination so the patient doesn’t have to manage paperwork while recovering.
If the patient’s health insurance did pay a portion of the treatment, we coordinate benefits to avoid overpaying the provider. This is standard coordination of benefits, not a barrier to the claim.