□ An An case: Miss Zhang is going to have a wedding next year. She is going to have a small facial plastic surgery before taking the wedding photo. But she was vaguely worried: what if there was an accident during the operation? Miss Zhang remembers reading some advertisements for insurance products in the newspaper not long ago, which mentioned the protection function of "accidental injury plastic surgery". Does this mean that there are insurance products to protect the risk of plastic surgery failure? Should I buy an accident insurance in advance? Analysis: At present, women's insurance products on the market do include the protection function of "accidental injury plastic surgery", but this protection is completely different from what people usually understand as "in case of plastic surgery failure or accident, you can get compensation from the insurance company". Take a company's women's insurance products as an example, its terms stipulate: "If the insured suffers accidental injury and undergoes facial plastic surgery within 180 days from the date of the accident, the company will pay 20% of the insurance amount for accidental facial plastic surgery." It can be seen that this is actually to provide accidental injury compensation first, and then to provide plastic surgery insurance. Then, will the insurance company be responsible for the accidental injury caused by the failure of plastic surgery? The answer is "no". At present, in order to prevent risks, life insurance companies usually list an "exclusion liability" in the terms of accident insurance and accident medical insurance, that is, insurance companies are not responsible for compensating injuries caused by cosmetic surgery. Therefore, it is not feasible to buy commercial life insurance to provide protection for plastic surgery. In case of plastic surgery failure, the parties can only ask the medical institution or beauty salon that performed the surgery for them to pay compensation. However, these beauty agencies have ways to transfer their responsibilities to insurance companies.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.