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Problems with call for cosmetic surgery insurance scheme

After the problems cosmetic surgery patients have had in the wake of the faulty French breast implants with two leading cosmetic surgery groups effectively refusing to help customers, Professor Sir Bruce Keogh, who is leading a government review into the risks from faulty breast implants, suggests a compulsory insurance scheme.

The suggestion is that it would work like the bonding on travel, where customers are protected if companies go bust.

But the problem here is not providers going bust, but their product.

Another problem is that it can be a matter of judgment as to whether or not a cosmetic surgery operation has failed or succeeded; the customer may just be unhappy with the outcome or find that better looks do not make them happier.

There have been several cosmetic surgery insurances in recent years, but all have folded due to poor demand and the high costs of dealing with a claim when it is alleged that something has gone wrong.

Speaking to the BBC about the potential insurance plan, Keogh, said: “One of the things my review will be looking at will be something like the Abta arrangement, which means that when a company runs into trouble for whatever reason, the consumer is covered.” This fails to understand how the Abta travel cover actually operates – it never has and never will “pay out if a company runs into trouble for any reason".

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Problems with call for cosmetic surgery insurance scheme
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