Your questions, our answers
FAQ about beautyprotect
There is a lot to discover at beautyprotect. If you want to inform yourself quickly but thoroughly, take a look at our FAQ. Here we have deposited your most burning questions with answers. If your question does not appear, please contact us.
beautyprotect | FAQ - common questions
The most common questions
What is the difference between LITE,PRO and VIP?
Both options cover follow-up costs that arise from medical complications. That is, those that affect your health. In addition to the cost contribution from your health insurance company, we also reimburse optional services such as treatment by a senior doctor or a single room in a public hospital.
Only with beautyprotect PRO and VIP are additional complication treatments in private clinics and also aesthetic complications covered. These are complications that unexpectedly impair the aesthetics and lead to a result that objectively does not correspond to the intended surgical goal. VIP offers double the benefit amounts compared to PRO. With the VIP tariff you also have protection against waterfall deformity after breast augmentation and dents after liposuction.
You can find more information on this page Tariffs
Can I extend the insurance after my chosen term?
An extension is not necessary. The term is flexible. Keep your protection as long as you need it. After the minimum term of one year has expired, you can cancel the insurance at any time at the end of the month.
To whom or how do I report a claim or a complication?
If you would like to take advantage of your follow-up cost insurance with beautyprotect, please log in Customer account and click Report Damage. Here you follow the instructions in the form and upload the necessary documents. Once received, you will receive an email from our claims department within a short time. From then on you can check the status of things in your customer account at any time.
What do I do if my surgery date is postponed?
If this is your first cosmetic surgery, you can email us the new date communicate. We will then adjust the insurance start date accordingly for you.
Are multiple cosmetic surgeries covered within my term?
Yes, all complications from all past and future cosmetic surgeries are covered during the term of your contract. The prerequisite is that the complication occurs for the first time after the start of the insurance and that it did not already exist beforehand. This does not increase the contribution.
How many contracts do I need if I have several procedures in one day?
Even for multiple procedures, only one contract is required. The contribution does not increase.
What is an aesthetic complication?
An aesthetic complication does not endanger your health. This means that treatment of this complication would not be necessary for medical reasons. An aesthetic impairment exists when an operation results in visually unsightly consequences. Aesthetic impairments are covered in the beautyprotect PRO and VIP tariffs if they were caused by a complication. These include, for example, bulging scars, double bubbles, rotation, dislocation or bottoming out of an implant. The VIP tariff also covers aesthetic irregularities such as waterfall deformity and dents or bumps.
Is dissatisfaction also insured?
No, this is not covered by insurance. The biggest risk with cosmetic surgery is that patients are not satisfied with the results. This may be the case when the change is either not as big as hoped or is so extensive that patients feel alienated in their own bodies. Therefore, it is important to discuss expectations and realistic results in detail before the procedure. Do not hesitate to consult your doctor with any questions you have.
Questions about the contract, term and termination
Can I change doctor?
Yes. You are free to choose your doctor at any time. However, treatment for complications must be carried out in the EEA (European Economic Area) or Switzerland.
How long do I have insurance coverage?
The term of your contract begins on the start date you request. If you are having cosmetic surgery performed for the first time, we recommend choosing this day as the start date. The insurance cover has a minimum term of one year. It renews automatically, although you can cancel it monthly after one year.
Important: The complication must occur within the duration of the uncancelled insurance coverage. If you have already canceled your contract and a complication subsequently occurs, you will no longer be insured.
Do I have to cancel my insurance?
If you no longer wish to be covered, you can cancel the contract on a monthly basis after a minimum term of one year. The best way to do this is to send us a short email to:
How far in advance do I have to take out the insurance? Is there a deadline?
Since it is taken out online in real time, follow-up cost insurance can also be taken out shortly before an operation and in principle at any time.
Can I still take out beautyprotect after a procedure?
Yes, you can take out the LITE, PRO and VIP tariffs even after your procedure. However, any complications must not have occurred before the insurance started. Since most complications occur during or shortly after the procedure, we recommend taking out beautyprotect before the cosmetic surgery. That way you are on the safe side.
Can I pay the insurance premium in installments?
Yes, you can choose to pay monthly or annually.
What costs does beautyprotect cover?
We cover all costs of medically necessary treatments resulting from complications that occur in standard care.
In addition to the cost contribution from your health insurance company, we also reimburse optional services such as treatment by a senior physician or a single room in a public hospital.
The PRO and VIP tariff options also cover treatments for complications in private clinics and private practices. The resulting costs are reimbursed as a flat rate. The flat rates correspond to the average costs for private services (see “%+”). The service amounts are doubled for VIP compared to PRO.
In beautyprotect PRO and VIP, costs for the treatment of aesthetic complications are also covered. These costs are also reimbursed at a flat rate.
Can I cancel the contract?
Yes. You have 14 days from receipt of the insurance confirmation to cancel the contract if your procedure has not yet taken place at the time of cancellation.
To cancel your subscription, simply send an email to You will of course receive a refund of any amount you have already paid.
Can I deduct the contributions for my beauty insurance from tax?
Yes, you can deduct the contributions to this additional health insurance from your income tax. You can declare the contributions as special expenses in your income tax return.
You can find the relevant form online as an attachment for pension expenses. The amount of the contributions can be found in the confirmation you receive from our insurer Squarelife Insurance AG in the first quarter.
Questions about the type of operation and treatment as well as technical terms
What is aesthetic (cosmetic) surgery?
With an aesthetic operation you do not want to eliminate any disease, but rather the result corresponds to your ideal of beauty. Since this is not necessary for medical reasons, at least according to health insurance companies, you pay for these procedures out of your own pocket. As a result, health insurance companies are also entitled to claim back the follow-up costs of treatment for complications following aesthetic surgery.
Are all aesthetic surgeries insurable?
Yes. You can take out beautyprotect for aesthetic procedures without any restrictions. These are generally those that are not medically necessary and are therefore not covered by health insurance.
Are aesthetic operations abroad also insured?
We offer the possibility to insure your aesthetic surgery abroad worldwide with beautyprotect LITE, PRO and VIP, as long as you live in one of the countries mentioned in the online application.If you are not resident in one of the countries listed in the online application, beautyprotect Classic insurance cover is available for procedures in various countries. The insurance cover then generally applies in the country where the operation takes place.... to the CLASSIC tariffs
What does complication mean in general?
A complication occurs when an intervention has objectively detectable, unforeseeable consequences that endanger your health and require medical treatment that goes beyond the treatment contract.
Which treatments are insured?
You can cover any type of aesthetic surgery (as described above) with beautyprotect.
I have beautyprotect insurance and am now having Botox injections. Do I also need CosmeticsProtect?
As long as your beautyprotect contract has not been canceled, all aesthetic procedures are also insured, both surgical and minimally invasive. In this case, it is not necessary to take out ComesticsProtect insurance.
Can I also insure my operation with beautyprotect even though the procedure is not on the list?
Yes. We only show the most common or common operations on our site. In principle, you can insure any type of cosmetic surgery with beautyprotect. This does not have to be listed with us.
I have already had one or more complications. Can I still take out beautyprotect?
Basically yes. In this case we will ask you about your previous treatments and complications. Complications that still exist when the insurance is taken out are not insured.
I suffer from lipedema. Can I cover the treatments with beautyprotect?
It is important to note that lipedema is a medical condition and treatment with liposuction is therefore not considered a purely aesthetic procedure. This is why we separate liposuction for lipedema from classic aesthetic procedures. With lipo-protect, you can take out special follow-up cost insurance that specifically addresses the needs of lipedema patients.
A lipo-protect contract covers all necessary liposuction during the selected contract period. Click on the button to go to the relevant page for completion.
Use the buttons to get a comprehensive picture of beautyprotect, the services and rates and feel free to contact us via the contact form. The faster way would be a call to our service team:
Please contact us if you have any questions or would like personal advice. (we speak English)

Monday to Saturday 8 am - 8 pm