1. Commercial medical insurance mainly guarantees the reasonable and necessary medical expenses incurred by the insured due to illness or accident. For example, millions of medical insurance can reimburse hospitalization expenses, outpatient and emergency medical expenses before and after hospitalization, outpatient surgery medical expenses and special outpatient medical expenses. Commercial medical insurance does not reimburse the medical expenses arising from plastic surgery and corrective surgery in order to make yourself look better, which is an exemption clause. For example, in the exemption clause of a medical insurance contract, it is clearly stated that the insured's plastic surgery, cosmetic surgery, transsexual surgery, complications of the aforementioned surgery or medical accidents caused by the aforementioned surgery will not be compensated. However, if the insured has to undergo plastic surgery because of an accident, such as severe burns, and needs skin grafting to repair his face, it is a necessary and reasonable medical treatment, so commercial medical insurance can still be reimbursed.

2. The scope of medical insurance reimbursement mainly includes hospitalization medical expenses within the medical insurance policy. General outpatient co-ordinate medical expenses, including special disease outpatient medical expenses, ordinary students, minors and college students who meet the requirements of accidental injury. , and the insured must be in the basic medical insurance designated medical institutions related medical expenses, medical insurance can be reimbursed. Plastic surgery, weight loss, vision correction, infertility, etc. It does not belong to the reimbursement category of basic medical insurance, and basic medical insurance is not suitable for plastic surgery.