A growth in the demand for cosmetic surgery has also seen an escalation in the need for financing these procedures.  As our expectations of a plastic surgeon’s capabilities increase so does the fee which they are able to charge.  Of course cosmetic surgery is not restricted to those who elect to improve their appearance for whatever reason – patients who require cosmetic or reconstructive surgery may also need to finance the cost of their operations. There can be no doubt that this area of the medical profession is extremely lucrative for all those involved apart from the patient.  However a positive result can prove to be the comfort you will need to act as a buffer against the weight of financing your decision.

If   you decide to have elective surgery and possess foresight, you may have savings set aside which will finance the cost of your surgery – if not there are a number of options available to you:

Can I get a loan?

A number of organizations have specific loans designed for the financing of cosmetic surgery.  You can apply for finance either over the phone or via a web site reassured in the fact that a decision can be made fairly rapidly as to whether or not you qualify. You should be in employment, aged over 18, residing in the UK for 3 or more years and preferably have a very good credit rating.  The loan provider will need no precise details regarding the procedure other than the fact that it is for cosmetic surgery financing purposes – discretion should be one of their key attributes. These loans are obtainable over a fixed period and will often allow you to take out the loan over twelve months - interest free although in some cases you will be required to pay an initial deposit.  Generally this offer is available if the cost of your surgery is more than £1K. Should you require a longer period over which to make repayments then this will incur various rates of interest – so it is well worth shopping around. If you are aware of anyone that has followed the same route that you wish to pursue, they may be able to offer a recommendation as to the best financial option for you.

Will the clinic offer finance?

The surgery or clinic which will perform your procedure should be able to offer you a complete package from initial consultation to how you wish to fund your operation.  Generally they will have the capacity to offer a plan designed around your ability to pay. Many repayment plans can be extremely flexible offering incentives for early repayment or taking a loan out over a shorter period of time.

What about the NHS

The National Health Service perceives elective cosmetic surgery as unnecessary - as it is performed only to improve one’s appearance. As cosmetic surgery is elective, financing the cost via the NHS can be extremely difficult unless you fulfill certain criteria.  As a rule of thumb, you have to prove that the refusal of cosmetic surgery will lead to either physical or emotional impairment.  For example if a woman has a particularly large bust – it may be that this is applying considerable pressure to her spine and causing deep ridges in her shoulders.  Therefore financing a reduction in breast size may be a considered option. Breast implants are rarely financed by the NHS unless there is little or no breast tissue present or the breasts are of significantly different sizes. Do not be confused between cosmetic and plastic surgery as the latter is often covered by the NHS. By comparison to cosmetic surgery, plastic surgery is not elective.

Cosmetic Surgery Financing

A growth in the demand for cosmetic surgery has also seen an escalation in the need for financing these procedures.  As our expectations of a plastic surgeon’s capabilitiesincrease so does the fee which they are able to charge.  Of course cosmetic surgery is not restricted to those who elect to improve their appearance for whatever reason – patients who require cosmetic or reconstructive surgery may also need to finance the cost of their operations. There can be no doubt that this area of the medical profession is extremely lucrative for all those involved apart from the patient.  However a positive result can prove to be the comfort you will need to act as a buffer against the weight of financing your decision.

If   you decide to have elective surgery and possess foresight, you may have savings set aside which will finance the cost of your surgery – if not there are a number of options available to you:

Can I get a loan?

A number of organizations have specific loans designed for the financing of cosmetic surgery.  You can apply for finance either over the phone or via a web site reassured in the fact that a decision can be made fairly rapidly as to whether or not you qualify. You should be in employment, aged over 18, residing in the UK for 3 or more years and preferably have a very good credit rating.  The loan provider will need no precise details regarding the procedure other than the fact that it is for cosmetic surgery financing purposes – discretion should be one of their key attributes. These loans are obtainable over a fixed period and will often allow you to take out the loan over twelve months - interest free although in some cases you will be required to pay an initial deposit.  Generally this offer is available if the cost of your surgery is more than £1K. Should you require a longer period over which to make repayments then this will incur various rates of interest – so it is well worth shopping around. If you are aware of anyone that has followed the same route that you wish to pursue, they may be able to offer a recommendation as to the best financial option for you.

Will the clinic offer finance?

The surgery or clinic which will perform your procedure should be able to offer you a complete package from initial consultation to how you wish to fund your operation.  Generally they will have the capacity to offer a plan designed around your ability to pay. Many repayment plans can be extremely flexible offering incentives for early repayment or taking a loan out over a shorter period of time.

What about the NHS

The National Health Service perceives elective cosmetic surgery as unnecessary - as it is performed only to improve one’s appearance. As cosmetic surgery is elective, financing the cost via the NHS can be extremely difficult unless you fulfill certain criteria.  As a rule of thumb, you have to prove that the refusal of cosmetic surgery will lead to either physical or emotional impairment.  For example if a woman has a particularly large bust – it may be that this is applying considerable pressure to her spine and causing deep ridges in her shoulders.  Therefore financing a reduction in breast size may be a considered option. Breast implants are rarely financed by the NHS unless there is little or no breast tissue present or the breasts are of significantly different sizes. Do not be confused between cosmetic and plastic surgery as the latter is often covered by the NHS. By comparison to cosmetic surgery, plastic surgery is not elective.