Can I Use My Super For Surgery? Early Release Of Superannuation

Applying for Early Release of Super Funds for Surgery in Melbourne VIC

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 surgery, corrective nose surgery or rhinoplasty for breathing issues and droopy eyelid surgery.

Many patients have been able to access their accumulated Superannuation Funds to pay for their own life-changing surgery. However, keep in mind that there is; a government process to follow, forms to fill out and Super Funds to contact. Even if you do all this there is no guarantee that your Super Fund will approve the release of funds.

Note: Coco Ruby Plastic Surgery is not in any way encouraging people to use their Super for Plastic Surgery for Cosmetic Reasons. You can only apply for early release of your super if the surgery is medically necessary and has an item number from Medicare.

Cosmetic surgery for cosmetic enhancement is NOT applicable for Super Fund Release. 

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 Super Fund release?

You can make Applications for early release of super for surgery through the ATO via your ‘MyGov’ account.

There is no guarantee that your request will be approved. It’s also important to understand that the rules and regulations around super withdrawal for surgery may be subject to change.

Download our Guide to Medicare and Health Insurance for Plastic Surgery

Medicare and Health Insurance Guide

How do I know if my application 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
  • You will likely only recieve approval if your procedure is medically necessary plastic surgery, not for purely cosmetic surgery
  • Approval of your application can can take several weeks. Approximately 2-3 weeks or longer.
  • Your Super Fund provider may have the final say in whether or not you get approved for early release. Some Super Funds don’t.

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 Fund pay for my Tummy, Abdominoplasty or Breast Surgery?

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

Will my Super Fund pay for my Nose Surgery?

Early release of Super could also apply to plastic surgery which is related to the nose or breathing health concerns, such as:


Can your Superannuation Fund be used to pay for your Plastic Surgery?

In most cases, Australians cannot unlock their Super until they reach the ”preservation age”. This 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 to 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 to your Super.

A company called Supercare may also be able to assist you in applying for early release of Super – they charge a fee for this service.

Have any Unanswered Questions?

  1. Check out a bigger list of FAQs and information on the surgical process
  2. For more information about Pricing and Payment methods of your Surgery, please visit our page on Surgery Payments.
  3. You can also talk to a Patient Care Team to answer your questions Monday to Friday by phoning 1300 264 811

Download our Guide to Medicare and Health Insurance for Plastic Surgery

Medicare and Health Insurance Guide

*Disclaimer: Information about payment methods and early Super release on our surgery website are for general information and discussion purposes only. This information does not take into account your personal situation, financial needs or responsibilities. Before acting on information about funding your plastic surgery procedure or payment methods, you should carefully consider its appropriateness, with regard to and professional advice about your individual financial situation and needs. The information on this website is also no substitute for financial advice and is subject to change.

Coco Ruby’s Specialist Plastic and ENT Surgeons

With a wealth of experience and training, our Specialist Plastic Surgeons are dedicated to best practice patient care and education, customising Breast Enlargement Surgery for each and every patient to best meet their needs and desired surgical outcomes.

coco ruby specialist plastic surgeons 

What to do next?

Our Patient Liaison Team can assist with any questions you may have when considering a procedure. You can send in an enquiry form below or call our Melbourne Clinic between 9 am – 5 pm Monday to Friday.

Phone 1300 264 811, Email us: or Book a FREE 15-minute Phone Chat with our Patient Liaison Manager or a Virtual Consultation with a Surgeon.

Disclaimer: Results depend on individual patient circumstances and can vary significantly. Results may also be impacted by a variety of factors including your lifestyle, weight, nutritional intake and overall health. Consult your Specialist Plastic Surgeon for details. This information is general in nature and is not intended to be medical advice nor does it constitute a doctor-patient relationship. Surgery risks and complications will be covered in detail during a consultation with your Surgeon.