2. In commercial insurance, many companies will still pay if the subsequent cosmetic surgery caused by accidents is different from ordinary cosmetic surgery.
3. Commercial insurance is truthfully informed when it is insured, and health status needs to be informed before it is insured. If it fails to tell the truth, it may refuse compensation.
4. Many commercial insurance clauses also stipulate that diseases will not be compensated before insurance. You were a child at that time, so it was probably before the insurance, so you shouldn't settle the claim.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.