Zhao Tianchi, a senior agent of Sino-Italian Life Insurance Beijing Branch, told the reporter that the insurance coverage of Sino-Italian Life Insurance is "healthy year by year", that is, the insured can get compensation from the insurance company when undergoing plastic surgery due to accidental injury. It is clearly stipulated in this clause that the accidental facial plastic surgery insurance premium refers to the fact that the insured receives accidental facial plastic surgery for the first time and is under 70 years old at the time of the operation. The insurance company pays this insurance premium to the insured according to the necessary and reasonable actual operation expenses it has paid, but the compensation amount does not exceed 20% of the basic insurance amount, and the payment is limited to one time. The total insurance premium of all accidental facial plastic surgery with the same insured as the target of the insurance company shall not exceed RMB 50,000. If the insured obtains compensation for medical expenses according to government regulations, or has obtained compensation for related medical expenses from other commercial insurance institutions or work units, the insurance company will only pay for the compensated medical expenses.

As far as the above terms are concerned, this insurance is not the main insurance, but only one of the additional risks. It emphasizes accidental cosmetic insurance, that is, in the event of an accident, such as burns, serious burns or traffic accidents, the insured must undergo cosmetic surgery. Insurance companies can pay for cosmetic surgery, which is equivalent to an accidental medical insurance, but they do not bear part of the cosmetic surgery costs.

Plastic surgery is not covered by life insurance.