You can find more information on this page Tariffs

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.

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.

If this is your first cosmetic surgery, you can email us the new date info@beautyprotect.com communicate. We will then adjust the insurance start date accordingly for you.

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.

Even for multiple procedures, only one contract is required. The contribution does not increase.

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.

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.

CancerProtect is a new benefit that is automatically included in the PRO and VIP plans. If breast reconstruction after breast cancer is not covered by your health insurance, CancerProtect steps in and covers the costs. As soon as your contract has been in place for 24 months, CancerProtect is automatically activated, at no additional cost to you.

As PRO and VIP policyholders, you automatically receive CancerProtect coverage after 24 months of contract duration. You do not need to do anything else.

CancerProtect is completely free for all PRO and VIP policyholders who have exceeded the 24-month contract period.

See a doctor first — your own surgeon or, if you would rather not, another one. Your health comes first, everything else we sort out afterwards. Report the complication in your customer account at the same time. You do not have to wait until a diagnosis is final. Report early — we will do the rest together with you.

If you are unsure while filling it in: give us a call. We will go through it together.

As early as possible, as soon as a doctor has diagnosed the complication. If you report later, we do not decline for that reason — it just becomes harder to reconstruct what happened when, and that costs time. What matters is that the complication occurred and was medically diagnosed for the first time during the term of your contract.

For aesthetic complications, photos are helpful as well. And if something is missing: we tell you exactly which document is still needed. You will not get a checklist thrown at you.

The acknowledgement of receipt comes immediately. You will get a substantive reply from our claims team within a week, usually sooner. You can see where your case stands at any time in your customer account — you do not have to ask in order to find out.

It is different for acute matters — infection, secondary bleeding, impaired wound healing: there you get treated first and report afterwards.

What you can have in advance is certainty: with the cost estimate you know in writing, before the treatment, what will be covered.

The benefit decision is taken by the insurer, Squarelife Insurance AG in Liechtenstein — on the basis of your insurance terms and the medical documents. We prepare the case and represent your point of view in doing so. The decision is made by people who have been doing this for years, not by an algorithm.

By bank transfer — to you, directly to the clinic or to your health insurer, depending on who bears the invoice. In private clinics and private practices as well as for aesthetic complications (PRO and VIP) we pay a lump sum according to the agreed benefit amounts.

There is one thing you should know nevertheless: in PRO and VIP we reimburse treatments in private clinics and aesthetic complications as a lump sum. If the invoice exceeds the lump sum, the difference stays with you. That is another reason why the cost estimate in advance pays off — then you know where you stand.

No and no. Your premium stays the same, no matter how often you have needed us. And no contract is terminated because a claim has been reported. That is exactly what you have the insurance for.

As often as necessary. The only limit is the sum insured of your plan. Several complications from several procedures are also covered during the term.

No, you are free to choose. The treatment only has to take place in Europe. If trust is gone, change your doctor — that is often the better decision, and we see it the same way.

Report it anyway. “Free of charge” almost always means: the surgeon waives their fee. Clinic, anaesthesia, materials, medication, aftercare — that is left to you. And if the revision does not deliver what you had hoped for, at least your case is already documented.

Dissatisfaction with a properly performed result is not an insured event. Neither are planned second procedures or follow-up treatments that were part of the plan from the outset, nor elective corrections without a medical finding. A complication always requires something objectively verifiable and unforeseen — and a doctor who confirms it.

In 12,370 cases we paid, in full or in part. That is 97.1 percent.We list the other side here as well, because a ratio without its counterpart is not a ratio but advertising. We are not aware of any other provider who publishes these figures at all. As at: August 2026.

Both can be clarified beforehand, and that is exactly what our service centre is there for: call us before you take out the policy — not afterwards.

We can afford that because we do not pay commissions to doctors. Every euro of commission is missing exactly where claims are paid.

If we still do not come together, you can turn to the supervisory authority of our insurer. Because the insurer is based in Liechtenstein, that authority is competent regardless of where you live: Finanzmarktaufsicht Liechtenstein (FMA), Landstrasse 109, Postfach 279, 9490 Vaduz. Legal recourse is open to you in any case — and you can keep talking to us whatever happens.

Only the people who handle your case, and the insurer who decides. Processing is encrypted, in the EU or in Liechtenstein. No disclosure to third parties, no use for marketing.

We also send you flowers. Not as marketing — but because a complication after cosmetic surgery is distressing, and that should not be treated like a case with a file number.

Yes. You can freely choose your doctor at any time. However, the treatment of complications must be carried out in Europe

Important: Complications are only covered if your contract is still active at the time of their occurrence. After cancellation, newly occurring complications are no longer covered.

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: info@beautyprotect.com

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.

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.

Yes, you can choose to pay monthly or annually.

In beautyprotect PRO and VIP, costs for the treatment of aesthetic complications are also covered. These costs are also reimbursed at a flat rate.

To cancel your subscription, simply send an email to info@beautyprotect.com. You will of course receive a refund of any amount you have already paid.

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.

A claim that occurred and was reported during the term is settled to the end — even if the contract has since ended. What is no longer insured are complications that occur for the first time only after the contract ends. If you are still in aftercare, it is better to let the contract run until everything has healed.

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.

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.

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.

You can cover any type of aesthetic surgery (as described above) with beautyprotect.

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 CosmeticsProtect insurance.

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.

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.

Yes — and regardless of the Baker grade. Which costs are covered depends on your plan. The requirement is always: the capsular fibrosis was diagnosed for the first time during the term of your contract, and a doctor confirms that it has to be treated. And: with us, capsular fibrosis does not count as an aesthetic complication, but on its own.