Will My Super Pay for Surgery?

super fund pays for your plastic surgery

Early release of your Super Funds – Can I use my Super for my plastic surgery?

Many patients ask us about applying for an early release of super funds to pay for their plastic surgery. It is not an uncommon question, especially for patients seeking procedures such as skin reduction after extreme weight loss or bariatric surgery, breast reduction surgerycorrective rhinoplasty or eyelid surgery.

Early release of Superannuation Funds for Plastic Surgery is possible for some surgeries.

As a result, many patients have been able to access their accumulated Funds to pay for their own life-changing surgery. However, keep in mind that there is a special government process to follow and special forms to fill out, and it is not always possible. But, if you are considering applying for an early withdrawal of your super to help fund your plastic surgery – here are some important things you need to know.

How do I Apply for Early Release of My Superannuation?

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

Your Super Fund may not allow early withdrawals and the rules and regulations around super withdrawal for surgery are subject to sudden changes.

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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)
  • Moreover, keep in mind it can take weeks for your application to be approved (around 2-3 weeks or longer)
  • Your Fund provider 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. For Example:

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


Can you use your Superannuation Fund to pay for your Plastic Surgery – for younger patients?

In most cases, Australians cannot unlock their Super until they reach ”preservation age”. This age is between 55 and 60, depending on your birth date. But, under exceptional 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.

Need help applying for surgery? – Supercare will assist your application process for a fee.


Can Medicare cover your surgery? Information is just one click away.

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About Dr Craig Rubinstein

Dr Craig Rubinstein FRACS is one of Melbourne’s Best Specialist Plastic Surgeons for breast and tummy surgery.

He has been rated as a Top 3 Plastic Surgeon in Melbourne and rated a Top 5 Plastic Surgeon on the ‘Best in Australia’ website. 

Dr Rubinstein offers women personalised tummy surgery and all forms of cosmetic breast surgery.

He uses only the highest quality Motiva breast implants and is renowned for his natural-looking, long-lasting results.


Next Steps in Your Surgical Journey

Want more information about your Procedure?

Coco Ruby Plastic Surgery

About Your First Consultation

  • Dr Rubinstein’s Consultation fee is $300.
  • A referral from your GP or your specialist is helpful but not essential.
  • You need a medicare referral in order to claim any medicare benefits or Health Insurance for plastic surgery,
  • Please contact the Patient Care Team at Coco Ruby Plastic Surgery today to book your consultation.

What to Bring to your Consultation

  • You are more than welcome to bring a friend or relative to help discuss the information and your choices.
  • Ensure you also take a lot of notes and thoroughly examine the documents provided.
  • Please be aware you may need to undress for a physical exam so wear simple clothes.

*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. Read further information about surgical outcome variability on our Disclaimer page.