no. The insurance promoted before hospital operation is generally medical accident insurance, in order to ensure that the insured does not have accidents during medical treatment, and the insurance company bears corresponding responsibilities. It is enough to buy, you can evaluate the necessity yourself, and you can buy it or not. It should be noted that medical accident insurance and accidental medical insurance are two different types of insurance.

1. Accidental medical insurance refers to surgical accident insurance that provides the insured with reimbursement of medical expenses caused by accidental injuries, which means that many complications during or after surgery are not medical accidents. For this kind of accident, the hospital has no liability for compensation, which is easy to cause disputes between doctors and patients.

2. Operation accident insurance is mainly due to many uncontrollable factors in the operation process, such as the operation of the great vessels of the heart and visceral trauma, etc. During the operation process, it may lead to massive bleeding due to the variation of the body structure, which belongs to the operation accident, but this kind of accident does not belong to medical errors and medical accidents. Surgical accident insurance is a new type of insurance to deal with such accidents. Through this insurance, the hospital hopes to share risks and ease disputes between doctors and patients. At present, the Beijing Municipal Health and Family Planning Commission is advocating the implementation of surgical accident insurance. In addition to You 'an Hospital, Fuwai Hospital, Union Medical College Hospital, anzhen hospital and other hospitals are also being piloted.

3. More insurance means more protection. If an accident or operation fails during the operation, you can also get some compensation to relieve some economic pressure on your family.

4. Reduce economic disputes. Medical disputes sometimes occur in hospitals. After accident insurance, if there are problems during the operation, you can get compensation through insurance, which can greatly avoid disputes between doctors and patients.

5. How much is the accident insurance for the operation? Surgical accident insurance is generally the exclusive insurance of hospitals, and the charging standard of surgical accident insurance varies according to different departments and risk levels. Consumer accident insurance costs tens to hundreds of dollars, and it may cost hundreds of dollars a year. According to the price of refundable accident insurance, it is about 2-3 yuan: 1692 yuan for 18-4 years old, 2679 yuan for 41-5 years old and 3194 yuan for 5-55 years old. For example, the main types of insurance are one million Ren Woxing insurance liabilities: one million for aviation accidents, waterway accidents, land traffic accidents, death or high disability, and 12% of the premium paid will be returned safely for life. The premium of personal accident insurance is related to product type, coverage, insurance period, insurance situation and other factors, and cannot be directly stated.

6. The charges of surgical accident insurance vary according to different departments and risk levels. The types of insurance that can be insured now include: abortion accident (obstetrics), cesarean section accident (obstetrics), cataract accident (ophthalmology), liver surgery accident (internal medicine), anorectal surgery accident (enterology), urinary surgery accident (urology) and so on. The purchase of surgical accident insurance is voluntary, because it is purchased in the hospital, and there may be some cases where the risk of surgery is exaggerated by forced purchase, but it should also be purchased according to the risk of surgery. If the risk of surgery is high, it is recommended to buy surgical accident insurance as a guarantee, such as life insurance.