The third category is accidental cosmetic insurance. This kind of insurance can provide protection for the insured who has to undergo plastic surgery due to unexpected circumstances, such as burns, serious burns or traffic accidents. From the protection content, it is similar to accidental injury medical insurance. In addition to the traditional health insurance liability.

It can be said that at present, the plastic surgery insurance for individuals in the domestic market is very scarce. So, can consumers find suitable products from traditional health insurance?

After some understanding, the reporter found that beauty and plastic surgery are generally excluded from health insurance products. For example, in the personal medical insurance plan of an insurance company, the second item of the exemption clause points out that "cosmetic or selective surgery-laser corneal surgery, weight loss, etc." It's not covered In another personal hospitalization medical insurance, "recuperation, rehabilitation, psychotherapy, beauty, orthopedics, vision correction surgery, dental treatment, prosthesis installation and cosmetic surgery" are also excluded from the insurance coverage.

According to insurance experts, among the common insurances on the market, only life insurance and accident insurance products will compensate for the death caused by cosmetic surgery, while health care products generally do not protect the injuries caused by cosmetic surgery. In other words, consumers take the initiative and voluntarily carry out cosmetic surgery, and there is almost no commercial insurance to protect the accidental injury caused by surgery, and the risk is completely at their own risk.