Legal analysis: plastic surgery, medical insurance is not reported, commercial insurance is not reported (except for some special instructions). Plastic surgery will not be reported unless otherwise specified.

Legal basis: Article 43 of People's Republic of China (PRC) Insurance Law. If the applicant intentionally causes the death, disability or illness of the insured, the insurer shall not be liable for paying the insurance money. If the applicant pays the insurance premium for more than two years, the insurer shall return the cash value of the insurance policy to other obligees in accordance with the contract.

If the beneficiary intentionally causes the death, disability or illness of the insured, or intentionally kills the insured, the beneficiary loses the right to benefit.