Will My Super Pay for Plastic Surgery in Melbourne

Superannuation and Plastic Surgery in Melbourne, VIC

Early release of Super Funds – Can I use my Superannuation for my Plastic Surgery?

Quite often patients ask us will my super pay for plastic surgery and how to go about applying for an early release of super funds to pay for their plastic surgery. This is not an unusual question, particularly for patients seeking procedures such as abdominoplasty and skin reduction after massive weight loss, breast reduction surgery or eyelid surgery.

Will My Super Pay for Plastic Surgery

Early Release of Superannuation Funds for Plastic Surgery is possible for some surgeries

Many patients have been able to access their accumulated funds to pay for their own life-changing surgery and this may apply in your case. However, bear in mind that there is a special government process to follow and forms that required to be fill out, and it is not always possible. If you are considering applying for an early withdrawal of your super to help pay for your plastic surgery – here are some important things you need to know.

How do I Apply for Early Release of My Superannuation?

The application for early release of super for surgery are made through the ATO via your ‘MyGov’ account.

There are certain Super Funds that may not allow early withdrawals and the rules and regulations around super withdrawal for surgery are subject to sudden changes.

How do I know if my application for early release will be approved?

The answer to this question is that it will depend on a number of factors, including your financial situation.

If you apply for an early release of super:

  • Your condition must meet certain criteria to apply for compassionate release of funds
  • It is often only granted for medically necessary plastic surgery, NOT cosmetic surgery (like Breast Augmentations)
  • It could take weeks for your application to be approved (around 2-3 weeks or longer)
  • Your Fund provider and not the ATO may have the final say in whether or not you will be approved for early release

Early release will most likely apply to plastic surgery which is related to health concerns, such as:

  • Abdominoplasty or Lipectomy after weight loss
  • Breast Reduction Surgery where heavy breasts lead to physical pains and chronic skin conditions
  • Body Contouring or Skin Reduction Surgery after weight loss or Bariatric Surgery
  • Other Surgeries for relieving Chronic Pain conditions

When it comes to an early release of Superannuation for Surgery, some Super Funds allow early super withdrawal for procedures, however, some do not.

Will My Super Pay for Plastic Surgery

Can Superannuation Funds Be Used to Pay For Plastic Surgery For Younger Patients?

Typically, Australians cannot access their Super until they reach “preservation age”. This age is between 55 and 60, depending on your birth date. But, under unique and individual circumstances, the ATO will assess early access on ‘compassionate grounds’, which includes medical procedures to treat life-threatening illnesses and chronic pain.

Not all super funds permit early access of super benefits on these grounds, so you should check with your super fund before applying.

The ATO website also provides useful information on the preservation of Super and gaining early access.

As with any financial decision we suggest you research your options and make a decision that is in your best interest.

We have also had patients make incremental payments leading up to their surgery check out our blog post explaining more – Paying For Plastic Surgery


Dr Patrick Briggs FRCS (Plast) – Specialist Plastic Surgeon in Melbourne

Dr Patrick Briggs offers high quality, natural-looking plastic and cosmetic surgery results and is vastly experienced in BreastBody and Face Surgery having performed over 4500 Surgeries in private practice. 

With worldwide expertise, Dr Patrick Briggs is practising breast, face and body surgery for men and women in Melbourne, VIC.


Next Steps to find a top Plastic Surgeon

Want more information about your Procedure?

  • For more information about pricing and payment methods, please visit our page on Surgery Payment options.
  • Talk to our Patient Care Team from 8 am – 6 pm Monday to Friday on 1300 264 811.

What to Bring to your Plastic Surgery Consultation

  • If you like, please bring a friend or relative to help discuss the information and your choices.
  • Take a lot of notes and thoroughly examine the documents your surgeon provides.
  • You may need to undress so it’s a good idea to wear simple clothes.

How to Book your Initial Consultation

  • Dr Briggs Consultation fee is $300.
  • A referral from your GP or your specialist is helpful but not essential.
  • To claim any medicare benefits or Health Insurance for reconstructive plastic surgery you will need a referral.
  • Please contact the Patient Care Team at Coco Ruby Plastic Surgery today to book your consultation.

*Disclaimer: Individual results can vary significantly from patient to patient. The information we provide is general.  For further information on what to expect for your preferred procedures, arrange to see one of our Specialist Plastic Surgeons for a full history and surgical consultation.

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