Medical Complication Insurance for Surgery Abroad
Plan your surgery abroad with us and get covered by trusted medical complication insurance — before, during, and after your procedure
If you’re planning cosmetic or elective surgery overseas, one crucial thing is often overlooked: what if something goes wrong? Traditional health or travel insurance doesn’t cover elective procedures—let alone the complications that can happen afterward. That’s why medical complication insurance is essential for anyone undergoing surgery abroad.
At Bangkok Health Service, we help travelers protect themselves from the unexpected. Our complication insurance plans offer comprehensive coverage for a wide range of procedures—including plastic surgery, bariatric surgery, orthopedic procedures, IVF, and more—with protection lasting up to 180 days after your operation.
What is Surgery Complication Insurance?
Medical complication insurance is a dedicated policy that covers the unexpected medical issues that may occur after your planned surgery. Unlike general travel insurance, which excludes elective procedures, this coverage is tailored for medical tourists undergoing pre-scheduled treatments.
- Hospital readmission
- Emergency treatments
- Follow-up procedures due to complications
- Thrombosis, infections, or adverse surgical outcomes
- Emergency medical transport
- Additional accommodation and travel costs
Coverage period: Up to 180 days post-surgery depending on the plan.
Covered Procedure Categories
| Category | Examples |
|---|---|
| Non-Invasive | Botox, Colonoscopy, Dental Cleaning, Imaging, Laser Skincare |
| Invasive Procedures | Hernia Repair, Hysterectomy, LASIK, Cataract, IVF |
| Cosmetic Surgery | Tummy Tuck, Liposuction, Facelift, Rhinoplasty, Breast Augmentation |
| Bariatric (WLS) | Gastric Sleeve, Bypass, Duodenal Switch, Band, Revisional |
| Major Surgery | Hip/Knee Replacement, Spinal Fusion, Cardiac Surgery |
Compare Insurance Plan Options (Prices in USD)
| Option | Coverage Limit | Non-Invasive | Invasive | Cosmetic | Bariatric | Major |
|---|---|---|---|---|---|---|
| Option 1 | $25,000 | $295 | $370 | $567 | $485 | $997 |
| Option 2 | $50,000 | $445 | $597 | $988 | $824 | $1,850 |
| Option 3 | $75,000 | $595 | $822 | $1,409 | $1,164 | $2,702 |
| Option 4 | $150,000 | $841 | $1,191 | $2,099 | $1,719 | $4,097 |
What’s Included in Every Insurance Plan (In USD)
| Benefit | Option 1 | Option 2 | Option 3 | Option 4 |
|---|---|---|---|---|
| Complication Treatment | $7,500 | $15,000 | $22,500 | $90,000 |
| Emergency Medical Transportation | $50,000 | $50,000 | $50,000 | $50,000 |
| Emergency Medical (Illness/Accident) | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Travel & Hotel Costs | $2,500 | $5,000 | $5,000 | $5,000 |
| Thrombosis Treatment | $2,500 | $2,500 | $2,500 | $5,000 |
| Accidental Death/Dismemberment | $10,000 | $20,000 | $37,500 | $40,000 |
Travel Insurance vs. Complication Insurance
| Feature | Travel Insurance | Surgery Complication Insurance |
|---|---|---|
| Elective Surgery Coverage | No | Yes |
| Post-Surgery Complication | No | Yes |
| Emergency Medical Transport | Sometimes | Yes |
| Hospital Readmission | No | Yes |
Who Should Buy Medical Complication Insurance?
- Cosmetic surgery patients abroad
- Gastric sleeve or weight-loss surgery patients
- Patients undergoing IVF, LASIK, or orthopedic surgery
- Medical tourists & uninsured expats
Why Choose Bangkok Health Service?
We offer complete coordination for your medical travel experience, including hospitals, hotel, transfers, and insurance for surgery complications abroad.
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FAQ
Anyone traveling abroad for cosmetic, elective, or major surgery should consider it. Standard insurance rarely covers post-op complications for non-emergency procedures done outside your home country.
Ideally before your surgery date is confirmed. You must purchase coverage **before** your procedure, as it cannot be applied retroactively.
If the readmission is due to a covered complication, the insurance can cover hospitalization, treatment, and extra travel or accommodation expenses — depending on your plan level.
The insurance covers a wide range of elective procedures including cosmetic surgery (e.g., liposuction, facelift), bariatric surgery (e.g., gastric sleeve), orthopedic surgery, IVF, and more.
Yes — as long as the follow-up is medically necessary due to a covered complication, and not for cosmetic dissatisfaction or elective revision.
Regular health insurance typically excludes elective procedures abroad. This insurance specifically covers complications **after planned surgeries abroad**, including emergency treatment, readmission, and medical transport.
Most plans have no deductible for complication-related treatment. Only Option 4 has a $5,000 deductible for medical complication claims, but other benefits remain deductible-free.