No, at present, in order to prevent risks, life insurance companies usually list an "exclusion liability" in the clauses of accidental injury insurance and accidental medical insurance, that is, insurance companies are not responsible for compensating the injuries caused by cosmetic surgery.

In case of plastic surgery failure, the parties can only ask the medical institution or beauty salon that performed the surgery for them to pay compensation.

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Medical Insurance Reimbursement The scope of urban medical insurance reimbursement refers to all employers in cities and towns, as shown in the following figure:

1. Including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises, private enterprises, etc.). );

2 organs, institutions, social organizations, private non-enterprise units and their employees shall participate in the basic medical insurance;

3. Some towns and villages stipulate that township enterprises and their employees, owners of urban individual economic organizations and their employees should be gradually incorporated into the basic medical insurance coverage (the last one depends on different local policies), so that they can enjoy medical reimbursement.

Urban medical reimbursement mainly refers to medical treatment, medication, hospitalization, surgery, etc. And medical expenses can be reimbursed by medical insurance card in accordance with relevant regulations. Urban medical insurance is relatively specific, with large project scale and coverage, but limited compensation for major diseases or accidents. At this point, the author suggests that the insured can purchase commercial supplementary medical insurance and social security to reduce their economic losses.

What is the function of medical insurance?

(1) After completing the payment period, the insured person can enjoy the rights of lifelong basic medical insurance, medical reimbursement and medical insurance benefits after retirement.

(2) The personal medical insurance account is a special account established according to the basic medical insurance policy, which is specially used to store the medical insurance premiums paid by the insured and the funds allocated by the employer according to a certain proportion, and record the medical consumption. The funds in the personal account are used to pay for the out-of-pocket part of medical treatment and medicine purchase.

What is the function of social security?

Social insurance is a social and economic system that provides income or compensation for those who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons. Medical insurance is a kind of social insurance, in addition, it also includes pension insurance, unemployment insurance, work injury insurance and maternity insurance. Together, they are the function of social security.

(1) The purpose of old-age insurance: to receive a pension after retirement and enjoy funeral expenses and pensions;

(2) The purpose of unemployment insurance: after unemployment, you can receive unemployment insurance benefits and medical expenses and enjoy subsidies;

(3) The purpose of industrial injury insurance: to pay for treatment, living care, disability allowance and disability subsidy;

(4) Use of maternity insurance: you can enjoy maternity leave (about 90 days), maternity allowance and maternity grants.