Details of the case:
Xiaohong, a girl with tens of thousands of fans on a platform in a city, had liposuction and filling surgery in a beauty hospital at the beginning of this year. Before the operation, Xiaohong made a comprehensive examination to confirm that there was nothing abnormal in her body before she underwent the operation. However, on the third day after liposuction, Xiaohong's parents received a phone call from the hospital, saying that Xiaohong's body had multiple organ failures and his life was in danger. After receiving Xiaohong's critical notice, Xiaohong's parents soon felt the hospital. After reading the medical records of the plastic surgery hospital, they found that Xiaohong had been showing signs of physical pain for several days after liposuction. But the plastic surgery hospital ignored it and simply prescribed some medicine for Xiaohong. However, the pain did not ease and was sent to the central hospital. However, it is too late at this time. The central hospital diagnosed Xiaohong as life-threatening and missed the best treatment opportunity. In the end, Xiaohong died unfortunately because of her serious illness. Plastic surgery hospitals have an unshirkable responsibility. After that, the hospital made corresponding compensation. Xiaohong's parents remembered that they had bought Xiaohong accident insurance before, but the accident insurance could not be paid. Why?
Does accident insurance pay for accidental death caused by cosmetic surgery?
It is a misunderstanding that accident insurance can't pay for accidental death caused by cosmetic surgery. Accidental death during operation is an accident. Why can't accident insurance be paid? First of all, it is necessary to define the insurance company's definition of accident insurance: the insurance company's definition of accident insurance is an objective event that causes the insured's body to be seriously injured due to unintentional, external and unpredictable reasons. However, cosmetic surgery is a surgical risk and is considered as a man-made risk, which violates the definition of accident insurance by insurance companies. At the same time, commercial insurance is a kind of commercial behavior, which usually has a series of exemption clauses, which can better protect the interests of the insured. Exemption clauses generally include intentional injury to the insured by the insured, self-injury by the insured, injury caused by driving an illegal vehicle, use of drugs by the insured against the doctor's advice, sudden death, medical accident or cosmetic surgery, etc. For example, Xiaohong in the above case died because of the negligence of the plastic surgery hospital during and after the operation, which was a medical accident, so she met the provisions in the exemption clause of accident insurance, so she could not get compensation for accident insurance.
What insurance can I have with you?
So what insurance can be paid for the accidental death of plastic surgery or medical surgery?
1. Life insurance can pay. If Xiaohong bought life insurance before, Xiaohong's parents can pay life insurance. Life insurance is an insurance product with the life span of the insured as the subject matter, and it is a life insurance with the death or total disability of the insured as the condition for paying insurance benefits. Originally, life insurance was to avoid the unfortunate death or total disability of the insured, which brought huge economic crisis to the whole family, so it also gave the last warmth to the insured family.
2. Compulsory liability insurance for medical accidents can also be paid. Compulsory liability insurance for medical malpractice is a way to broaden the solution of medical disputes. The Ministry of Health promotes the establishment of a third-party mediation mechanism for medical disputes as a system for handling disputes between doctors and patients. After disputes between doctors and patients appear, patients do not directly contact medical institutions or medical personnel, but directly apply for compensation from insurance companies.