Most plastic surgeries in São Paulo are private. Health plans only cover cases with functional/clinical indication and compatible ICD.
Credit Card (up to 12x interest-free in SP)
Generally up to 12x interest-free with operators. Some clinics accept splitting between 2 cards.
Pix or bank transfer in cash
Usually comes with a 5 to 10% discount.
Personal credit and medical financing
- MedCash, Senior Sistemas, Cliquefácil Saúde — up to 60 months with interest.
- Bank loan — rates vary by relationship.
When the health plan covers part of plastic surgery in SP
- Gynecomastia (N62).
- Lipedema (R60.9).
- Functional Blepharochalasis (H02.3).
- Post-bariatric Mastopexy in selected cases.
- Post-cancer breast reconstruction — always.
How to decide
- Credit card limit and term up to 12 months → 12x interest-free.
- Long terms (24-60 months) → medical financing.
- Available reserve → Pix in cash with discount.
Frequently Asked Questions
- Can I use FGTS?
- Not for elective plastic surgery.
- Does installment payment depend on approval?
- Yes, limit and credit are individual.
- Can I reschedule?
- Yes, within the validity of the quote.
Service in São Paulo
Personalized quote with Dr. Fernando Amato
In-person consultation at Jardim América (Av. Brasil, 2283), São Paulo.
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Precisa de orientação personalizada?
Marque uma avaliação com o Dr. Fernando Amato e tire as suas dúvidas sobre cirurgia plástica.
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