Costs and German health insurance: requirements and application
Where the medical indication meets the guidelines, cost coverage by German health insurance is possible. In connection with cost coverage, lipoedema surgery starts at €950. As a self-paying patient, the price depends on the extent and the number of regions; you receive an exact cost estimate after the initial consultation.
German statutory health insurance covers lipoedema surgery under defined conditions – usually for lipoedema at an advanced stage (stage 3). The diagnosis must be made by a specialist in internal medicine and angiology, in physical and rehabilitative medicine or in dermatology – or by a specialist with additional training in phlebology.
The insurer also requires medically prescribed conservative therapy, such as lymphatic drainage, compression or physiotherapy, which has run continuously for at least 6 months without helping sufficiently. During these 6 months you must not have gained weight, documented monthly by your GP; psychological factors are also recorded. Severe pain, restricted movement or other health problems can likewise be recognised as medical necessity. From a BMI of 40, liposuction through German statutory health insurance is not possible.
For cost coverage by German health insurance, an application is needed with the diagnosis, evidence of the therapy and a medical certificate of medical necessity. You do not have to submit it yourself: we check the requirements and policy terms with you, compile the cost estimate and evidence, and submit everything. With private health insurance, approval depends on your policy and possible exclusions; some insurers have their own lipoedema programmes. You can read all the details in the article Lipoedema surgery: how cost coverage works.
What German statutory health insurance covers – and what it does not: