A few months back we posted this article on the blog. We had a number of advisers ask us questions as to which insurers might cover things such as tattoos and prophylactic treatments. Here are the responses we received from the insurers:
They do cover permanent nipple tattoos for women after their mastectomies, however it is not mentioned in their policy document. Temporary tattoos would be covered as it would be considered a health related appliance.
They will cover the cost for temporary and permanent tattooing, but not Prophylactic treatments for breast cancer.
Temporary tattoos not covered. Permanent tattoos would be covered up to the surgical limit. Prophylactic treatments are currently excluded. Cover is available for accessories such as scarves, hats, wigs, and mastectomy bras under Ultimate Health Max only.
Nipple tattooing is covered under the reconstruction benefit. At this stage there is no cover for prophylactic treatment.
Temporary nipple tattoos are not covered, but permanent tattoos are. Prophylactic treatment is covered after three years of continuous cover.
Both temporary and permanent nipple tattoos are covered. Prophylactic treatment is not.
It appears that Southern Cross are the only health insurer that will cover prophylactic treatment for BRCA 1 or 2.