Surgical accident insurance is mainly to protect the accident risk during the operation. If the insured suffers accidental casualties or complications due to the operation, the insurance company will make corresponding compensation according to the provisions. This kind of insurance is not compulsory by hospitals or doctors. Patients can choose to buy according to their own wishes. General hospitals will charge insurance premium before operation. What are the advantages and disadvantages of surgical accident insurance? As a relatively new insurance field, surgical accident insurance has advantages and disadvantages. The advantages are as follows: firstly, after purchasing the accident insurance for operation, our patients have an extra protection, and they can get some compensation if the operation has an accident or fails; Second, because we often have disputes between doctors and patients in hospitals, with surgical accident insurance, we can get compensation through insurance if there are problems during the operation, which can greatly avoid disputes between doctors and patients. However, surgical accident insurance also has disadvantages. Although it is voluntary to buy surgical accident insurance, there may be some compulsory purchase problems because it is bought in the hospital. For example, doctors exaggerate the risk of surgical accidents and emphasize persuading patients to buy insurance. In addition, many patients don't understand the fact that surgical accident insurance is charged by the hospital, and feel that the hospital has taken kickbacks and has interest disputes with insurance companies, which leads to distrust between doctors and patients.
The cost of surgical accident insurance is different, and the diseases covered are different, so the cost is different according to your age and the scope you want to cover.