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4.4 out of 5 · test winner
- No deductible
- Past treatments included
- Cancellable monthly (from month 13)
- Capsular contracture fully covered
- Plans: LITE · PRO · VIP
Comparison 2026 · 3 providers · 31 criteria
And if itgoes wrong?
If something goes wrong after cosmetic surgery, your health insurer pays nothing. We read every provider's policy terms — so you don't have to.
Free, independent, based on the official policy terms.
How we test
We read the small print.
You make the decision.
- 01
Policy terms, not marketing claims
The only basis is what the contract actually says: the complete terms and conditions of every provider.
- 02
31 criteria, weighting disclosed
Assessed by an actuary — a certified insurance mathematician and member of the German Actuarial Association.
- 03
No provider can buy a result
Advertising slots on this site are labelled as such and have no influence on the assessment.
What matters to you?
Pick what counts — we'll show you who delivers.
The table below adapts to your selection.
Expert review 2026
Three providers.
One clear result.
Based on the general terms and conditions, Gehling Consulting assessed every provider against identical criteria.
medassure
3.1 out of 5
- Deductible applies
- No past treatments
- Capsular contracture partly (grade 3+4)
- 1 plan + beHappy option
- Annual contract, fixed term
safe4beauty
2.7 out of 5
- Deductible applies
- No past treatments
- Capsular contracture partly (grade 3+4)
- 1 plan
- 12, 24 or 36 month term
| Criterion | beautyprotect · test winner | medassure | safe4beauty |
|---|---|---|---|
| Overall rating | 4.4 / 5 (VIP · PRO 4.0) | 3.1 / 5 | 2.7 / 5 |
| Price from (monthly) | from € 11.90 | on request | on request |
| Deductible | No deductible | Deductible applies | Partly |
| Past treatments covered | Yes, including earlier surgery | No | No |
| Capsular contracture covered | Fully | Partly (grade 3+4) | Partly (grade 3+4) |
| Cancellable monthly | From month 13 | Annual contract | Limited |
| All treatments included | Yes (LITE, PRO, VIP) | Limited | Limited |
| Hospital stay | Included | Included | Limited |
| Lipoedema / liposuction | Via lipo-protect | Not available | Not available |
| Plans / models | LITE · PRO · VIP | 1 plan + beHappy option | 1 plan |
| Minimum term | 12 months | 12 months | 12, 24 or 36 months |
| Recommendation | Highly recommended | Recommended with reservations | Recommended with reservations |
← scroll the table horizontally →
Note on independence: This comparison was prepared by Gehling Consulting – independent actuaries – on behalf of quadmed AG, on the basis of the official policy terms and conditions (AVB). The assessment was made exclusively on technical criteria; the methodology and weighting are disclosed. Data as of June 2026.
The point that matters most
A deductible sounds small. Until it costs €4,000.
A deductible means that with every complication you pay part of the cost out of your own pocket before the insurer steps in. With follow-up costs after cosmetic surgery this adds up quickly — treating capsular contracture costs between EUR 4,000 and 10,000.
beautyprotect is the only provider in this comparison that works entirely without a deductible across all plans (LITE, PRO, VIP): covered treatments are paid from the first euro, and private treatment is settled directly with the doctor or clinic through transparent case-based flat rates.
With other providers, limits such as the 3.5× GOÄ rate, a EUR 400 medication cap or a cost estimate that must be approved in advance effectively act as a hidden co-payment. So when you take out a policy, look not only at the monthly premium but at what would actually be left for you to pay.
Reality check
What we're actually talking about
€4–10k
Capsular contracture surgery
Cost of a revision — the most common complication after breast implants.
€0
Paid by your health insurer
For aesthetic procedures, statutory health insurers generally pay nothing in the event of a complication.
€11.90
Cheapest monthly premium
The cheapest cover in the comparison, the LITE plan from beautyprotect.
Advertisement · Commercial partner
Test winner: beautyprotect
beautyprotect offers the most comprehensive cover on the market – in three plans for every situation.
beautyprotect Complication insurance for aesthetic surgery Advertising
All-inclusive cover – LITE, PRO & VIP
We have condensed the best of complication insurance into three compact plans: whether you want basic cover or all-round protection.
- No deductible – you pay nothing out of your own pocket
- Past treatments included – protected immediately
- Cancellable monthly from month 13 – full flexibility
- All treatments included – breast, lips, nose, liposuction and more
- Capsular contracture fully covered – the only provider to do so
Complication cover from
€11.90
per month · LITE plan
12 month term, then cancellable monthly
Why insure at all?
What can go wrong
Every medical procedure carries risks – even when performed correctly by experienced surgeons. Statutory health insurance does not cover the cost of aesthetic surgery.
Infections
Despite sterile operating conditions, bacteria can enter and require costly follow-up treatment.
Capsular contracture
The most common complication with breast implants. Scar tissue hardens and can require repeated procedures.
Bleeding & haematoma
Unexpected post-operative bleeding can require a hospital stay and additional procedures.
Excessive scarring
Keloids and hypertrophic scars can occur and often require lengthy treatment.
Thrombosis
Blood clots are a rare but serious complication requiring considerable treatment.
Implant rejection
The body can react to implants – from discomfort through to complete removal.
lipo-protect Complication insurance specifically for lipoedema & liposuction Special plan Advertising
Liposuction covered – from € 9.90 / month
Liposuction is an operation in which fat cells are removed from beneath the skin. lipo-protect is the only provider offering dedicated cover for lipoedema patients.
- All treatments included
- No deductible
- 1 year term, then cancellable monthly
Preparation
18 tips for your surgery
From the consultation through to aftercare – everything you need to know to be well prepared.
- 1
Meet the surgeon in person
Make sure the doctor advising you is also the one operating. Only then will they know your individual wishes.
- 2
Check qualifications
Ideally your doctor is a “specialist in plastic and aesthetic surgery”. Check the exact title.
- 3
Professional association membership
Membership of DGPRÄC, DGÄPC or comparable associations is an important quality indicator.
- 4
Discuss the risks
Ask explicitly about the general and specific risks of your planned operation.
- 5
Pre-op checklist
No aspirin before surgery, no smoking, no contact lenses. Follow every instruction precisely.
- 6
Budget for the full cost
Also allow for a possible hospital stay and follow-up costs. Complication insurance covers you.
- 7
Book time off early
As this is not an illness in the statutory sense, there is no sick note.
- 8
Pack your hospital bag
Practical clothing with buttons, pyjamas, something to read, your phone. Think about aftercare while packing.
- 9
Find the right hospital
Use krankenhausnavi.barmer.de for independent clinic ratings and quality data.
Guides
Knowledge that helps
Well-founded information on aesthetic surgery, risks and cover.
Complications
What is capsular contracture? 10 things you should know
Capsular contracture is the most common complication after breast implants. We explain what happens and what insurance pays.
Surgery tourism
Cosmetic surgery abroad: bargain or risk?
Turkey, Thailand, Poland — many Germans have surgery abroad. What complication insurance covers.
Tips
Stiftung Warentest and Öko Test: is there a complication insurance test?
We researched whether and what the major German consumer protection organisations report about complication insurance.
FAQ
Questions everyone asks
Didn't find your answer? Write to us – we keep expanding the guides.
Has Stiftung Warentest carried out a complication insurance test?
Stiftung Warentest is a respected German consumer organisation that regularly tests insurance products. To date it has not carried out a specific complication insurance test – the market is still too young. This independent comparison was therefore prepared by Gehling Consulting and follows the methodological criteria of Stiftung Warentest.
Do statutory health insurers cover follow-up costs after cosmetic surgery?
No. Because aesthetic operations are not medically necessary, statutory health insurers generally cover no costs in the event of complications. That means infections, capsular contracture, revision surgery – you pay for all of it. Complication insurance closes this gap. → Verbraucherzentrale: learn more
Does the consumer advice centre recommend complication insurance?
The Verbraucherzentrale generally recommends informing yourself thoroughly about the risks before cosmetic surgery and being adequately covered. As there is no statutory protection, private cover is strongly recommended – particularly for operations abroad.
Which cosmetic operations are covered?
beautyprotect covers all common aesthetic procedures: breast augmentation, liposuction, rhinoplasty, facelift, eyelid surgery, labiaplasty, hair transplants and many more. It is also the only provider to cover capsular contracture in full.
What does complication insurance cost per month?
beautyprotect offers plans from € 11.90 per month (LITE plan). lipo-protect starts at € 9.90 per month. Compared with the possible follow-up costs of a complication – which easily run into the thousands – that is inexpensive cover.
Commercial partners
Further offers
cosmeticsprotectAdvertising
All-round cover for cosmetic treatments — whether wrinkle treatment, lip correction or peeling.
View the offer →beauty.creditAdvertising
Affordable loans for aesthetic surgery — an independent loan comparison specifically for beauty procedures.
Loan comparison →