Brown & Riding provides access to AIG Accident & Health’s CosmediCareSM Program — a targeted insurance solution for complications that can arise from elective cosmetic surgeries and medical spa procedures. The program is designed for agents and brokers who need a supplemental option to protect clients from unexpected post-operative medical costs that standard health insurance may not cover.
Ideal Accounts and Coverage Appetite
This program is intended for individuals undergoing elective cosmetic or aesthetic medical procedures and for producers who want to reduce their clients’ financial exposure after surgery. Typical clients include:
- Patients scheduling body contouring or facial rejuvenation procedures
- Medical spa clients receiving injectables or laser treatments
- Individuals undergoing breast augmentation or body lift surgeries
The CosmediCareSM Program is organized into three tiers based on procedure type and relative risk:
Tier 1 – Low to Moderate Risk Procedures:
- Autologous Fat Injection
- Arm Contouring/Upper Arm Lift
- Botox/Cosmetic Injectables
- Brow Lift
- Chin Augmentation/Reduction
- Cosmetic Eyelid Surgery
- Face Lift/Rejuvenation
- Facial Implants
- Facial Resurfacing (Dermabrasion/Chemical Peel)
- Hair Replacement Surgery
- Labiaplasty
- Laser Hair/Vein Removal
- Otoplasty
- Rhinoplasty
- Vaginoplasty
Tier 2 – Moderate Risk Procedures:
- Breast Augmentation/Revision
- Breast Lift
- Breast Reduction
- Male Breast Implants and Gynecomastia
Tier 3 – Higher Risk Procedures:
- Abdominoplasty
- Body Implants
- Body Lift
- Buttock Lift/Gluteal Augmentation
- Liposuction (including laser-assisted)
- Lower Body Lift
- Thigh Lift
- Thoracoplasty/Upper Body Lift
Coverage Advantages
The CosmediCareSM Program helps cover medically necessary expenses that result from complications such as infection, bleeding, scarring, or other adverse outcomes tied to elective procedures. This is a supplemental product — not a replacement for primary health coverage — that helps reduce out-of-pocket exposure for clients seeking aesthetic care.
Underwriting and Premiums
Policies are underwritten by AIG, offering the financial strength and claims experience of a national carrier. Minimum premiums and final pricing vary by procedure tier, client risk profile, and state regulations. Brown & Riding supports submission preparation and placement to help speed underwriting and increase placement success.
Territories and Availability
The program is available in most U.S. states, including AL, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MI, MS, MO, MT, NV, NJ, ND, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, and WY. Coverage is offered on an admitted basis where applicable; availability can vary by state.
Why Place This Business With Brown & Riding
Brown & Riding is a specialist wholesale partner and E&S broker with deep experience in accident & health products. We provide direct access to AIG’s CosmediCareSM Program plus underwriting guidance and responsive service for faster decisions. Use our team when you need reliable underwriting support for cosmetic and medical spa exposures.
Example accounts that fit this program
- You might have a 35–50 year old client scheduling a facelift and injectable treatments who wants supplemental coverage against surgical complications that could result in additional medical bills or revision surgery.
- You may place a medical spa client receiving multiple laser procedures and injectables who prefers to limit out-of-pocket risk if an adverse event requires follow-up care.
For more information, contact Brown & Riding:
Jeffrey Jarboe
Principal, Senior Vice President, Broker
Telephone: 678.225.1381
Cellphone: 404.422.2483
E-Mail: [email protected]
Web: http://www.brownandriding.com/health-cosmedicare/