Does Oriental Hospital have insurance for breast augmentation?
Prosthesis breast augmentation surgery, as a common plastic surgery, has been sought after by more and more women. Patients who perform breast augmentation surgery with prostheses in Dongfang Hospital often care about one question: can this surgery be reimbursed through medical insurance? Next, we will elaborate from several aspects.
1. Insurance policy provisions
According to the current medical insurance policy in China, surgical items are generally not included in the medical insurance coverage. Prosthetic breast augmentation, which belongs to cosmetic surgery, is generally not included in the scope of medical insurance payment. Therefore, the prosthetic breast augmentation surgery of Dongfang Hospital does not enjoy medical insurance reimbursement.
However, the medical insurance policies in individual regions may be different. Certain operations may be deemed medically necessary, but certain conditions must be met before reimbursement. Therefore, before going to Dongfang Hospital for surgery, it is recommended that patients consult the local medical insurance department in advance to understand the relevant policies.
2. Coverage of commercial insurance
In addition to medical insurance, there are some commercial insurance companies that can cover the cost of plastic surgery. Some high-end commercial insurance products may include cosmetic items, but they need to meet certain conditions and premium payment requirements. Therefore, if you have qualified commercial insurance, you may be able to perform breast augmentation surgery with prosthesis in Dongfang Hospital and enjoy a certain degree of expense reimbursement.
It should be noted that the scope of insurance liability and reimbursement ratio of commercial insurance companies may be different, which is subject to the insurance contract. Therefore, before choosing commercial insurance, it is recommended that patients carefully study the insurance terms and consult the insurance institution to ensure that the operation costs can be fully guaranteed.
3. Preoperative consultation
Before breast augmentation surgery with prosthesis in Dongfang Hospital, patients usually receive preoperative consultation from professional doctors. The doctor will introduce the relevant information of the operation in detail, including the purpose, steps and risks of the operation. During consultation, patients can ask doctors whether they can use medical insurance or commercial insurance to reimburse the operation expenses.
The doctor will evaluate according to the specific situation of the patient and give corresponding suggestions. If the operation meets the requirements of the insurance company, the doctor will recommend the patient to contact the insurance company for specific insurance claim application.
4. Other cost considerations
In addition to the operation cost, the patient needs to consider other possible costs for breast augmentation surgery with prosthesis in Dongfang Hospital. For example, anesthesia cost, postoperative nursing cost and postoperative reexamination. Generally, this part of expenses cannot be reimbursed through insurance and needs to be borne by patients themselves.
Therefore, when deciding to perform breast augmentation surgery with prosthesis, patients should fully consider all possible costs and make corresponding financial preparations.
summary
In general, the prosthetic breast augmentation surgery of Dongfang Hospital generally does not enjoy the reimbursement of medical insurance. However, under certain conditions, commercial insurance may cover part of the operation costs. Before surgery, patients should consult the local medical insurance department, communicate with the insurance company in detail, and understand the relevant insurance terms. At the same time, it is also necessary to consider other possible costs and make relevant preparations.
To sum up, when deciding to perform breast augmentation surgery with prosthesis, patients should consider their own conditions comprehensively and make a wise decision.
