Financial Support for Reconstructive Surgery: Why It Can Make a Difference After Breast Cancer and Other Trauma
Key Takeaways
- For some, breast reconstruction supports both physical and emotional recovery after cancer or injury.
- Not all insurance policies cover reconstructive surgery.
- Income’s Lady 360 offers support for reconstructive surgery, including surgical and mental health benefits.
- Coverage remains active even after multiple claims, ensuring long-term support for women.
Reconstructive surgery is not merely about aesthetics. For many women, it’s a part of recovery after a major medical or traumatic event. Whether due to breast cancer, carcinoma in situ of the breast, malignant skin cancer, or accidental burns, these surgeries help restore both physical form and emotional well-being.
After a mastectomy, for instance, breast reconstruction can help rebuild body image and confidence. Though commonly misunderstood as cosmetic, these procedures play a deeper role in healing, providing closure, dignity, and a sense of wholeness during recovery.
When Is Reconstructive Surgery Covered Under Insurance?
Insurance coverage for reconstructive procedures varies widely. Often, such procedures are excluded unless deemed medically essential. That’s why specialised insurance plans tailored to women’s health are increasingly important.
Under Income’s Lady 360, the support benefit includes breast reconstruction and other medically necessary procedures following specific female illnesses or trauma. This ensures women don’t need to compromise their recovery journey due to financial limitations.
What Makes Lady 360 Different?
Unlike typical life insurance plans, Lady 360 was designed with women in mind. It covers a broad range of female-specific health needs, including the long road of recovery after illness or injury.
Key benefits include:
- Receive up to 100% of the sum assured when you are diagnosed with certain female-specific illnesses¹.
- Receive up to 50% of the sum assured for specific surgeries2 arising from female illnesses.
- Receive up to 100% of the sum assured for post-diagnosis support benefits3, including egg-freezing before cancer treatment to preserve fertility, outpatient psychiatric treatment due to traumatic life events and molecular gene expression profiling test to guide breast cancer treatment.
- Enjoy continuous coverage even if you have claimed for more than one insured event4.
This comprehensive approach ensures the insured receives care and support at every stage, not just during treatment.
Why Reconstructive Surgery Coverage Shouldn’t Be Overlooked
Recovery doesn’t end with treatment; it extends into the emotional and psychological aspects of healing. Surgery can play a central role in helping restore self-image, especially after enduring the effects of breast cancer or traumatic injury.
However, these procedures can be expensive and may not always be covered by basic health insurance. Having a women’s insurance plan that includes reconstructive coverage can make a meaningful difference.
Final Thoughts: Support That Goes Beyond the Basics
While many insurance plans stop at covering treatment, Lady 360 goes a step further. It acknowledges that women deserve a full recovery, one that includes both physical restoration and emotional support.
The breast reconstruction benefit is not an optional extra. It’s a core component of a comprehensive approach to women’s health. Whether dealing with the aftermath of illness or trauma, Lady 360 provides a structured path back to wellness.
For more information on Lady 360 or to explore other plans, speak to an Income Insurance advisor.
1 The insured must survive for at least 7 days after the insured is diagnosed with a covered female illness before we pay the female illnesses benefit. All payments are subject to the limit shown in the benefit table and the total amount under this benefit will not exceed 100% of the sum assured. You can claim for each female illness only once, except for cancer where you may claim more than once. If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for this benefit will reduce accordingly. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days from the cover start date. Cover start date refers to the date we issue the policy or the date we issue an endorsement to include or increase a benefit, or the date we reinstate the policy (whichever is the latest). Please refer to the policy contract for further details and definitions of insured events.
2 We will pay the female surgeries benefit up to the limit shown in the benefit table. The total amount paid under this benefit will not exceed 50% of the sum assured. If the insured underwent multiple female surgeries due to the same condition, we will only pay for one female surgery which has the highest benefit limit. You can claim for each female surgery only once, except for surgeries due to cancer. If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for this benefit will reduce accordingly. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days from the cover start date. Please refer to the policy contract for further details and definitions of the insured events.
3 We will pay this support benefit up to the limit shown in the benefit table. The total amount paid under this benefit will not exceed 100% of the sum assured. If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for this benefit will reduce accordingly. We will not pay this benefit if the insured suffered symptoms of, had investigations for, or was diagnosed with, the illnesses or conditions at any time before or within 90 days from the cover start date, unless it is for reconstructive surgery benefit due to accidental burns or accident, or outpatient psychiatric benefit due to disfigurement from accidental burns or death of the insured’s spouse or child. Please refer to the policy contract for further details and definitions of the insured events.
4 You can claim for more than one insured event from female illnesses benefit, female surgeries benefit and support benefit, up to the cover limit as set out in the benefit table, provided it is not for the same illness, surgery or cause (except for cancer). If we pay a claim that is less than the cover limit, the percentage of the sum assured payable for that benefit will reduce accordingly. This policy will end when the total claims paid for the insured events under female illnesses benefit amounts to 100% of sum assured, female surgeries benefit amounts to 50% of sum assured and support benefit amounts to 100% of sum assured; or the death benefit is paid, whichever is earlier. Please refer to the policy contract for further details and definitions of the insured events.
This article is meant purely for informational purposes and does not constitute an offer, recommendation, solicitation or advise to buy or sell any product(s). It should not be relied upon as financial advice. The precise terms, conditions and exclusions of any Income Insurance products mentioned are specified in their respective policy contracts. Please seek independent financial advice before making any decision.
These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income Insurance or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
This advertisement has not been reviewed by the Monetary Authority of Singapore.
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