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Cosmetic Surgery Insurance

Face off pays off
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Insurance companies only pay for surgery if it is not considered cosmetic surgery. But what about an insurance product that actually is designed for cosmetic surgery. With the advent of sophisticated software that can model how a person will look like several years in the future, there is an opportunity for people to insure against the risk of accelerated ageing or the loss of youthful qualities faster than normal "wear and tear". The idea is to have an insurance which may be redeemed in the eventuality that a person would need a tummy tuck, liposuction, facial cosmetic surgery, eyebags removal etc.. Actuarial computations would consider the lifestyle, diet, environment etc.. This might be an expensive policy at the start but if the idea catches on, the insurance company will be laughing its way to the bank ... without worrying about laugh lines.
3rdworld, Sep 24 2002


       Are there exceptions for "act of God" natural disasters like an extra large ozone hole causing increased wrinkling through higher UV exposure?
FarmerJohn, Sep 24 2002

       Thanks for reminding FJ. As in all policies, a force majeaure provision would be indispensible.
3rdworld, Sep 24 2002

       so, you want to give money to an insurance company in case you think you need cosmetic surgery later. Knowing that you will be facing a big challenge to get out of them as much as you paid over the years? Have you never heard of a savings account? S-A-V-I-N-G money. Remember that phrase "for a rainy day". Don't tell me you can't afford it. If you can't afford to save money, you darn well can't afford a vanity insurance policy. Big fat fish.
lewisgirl, Sep 24 2002

       "A fool and his money are rarely acquainted in the first place."   

       From the snake-oil salesman's point of view, this is a great business opportunity. I can just picture the mass email advertising campaign: Make money FA$T!!!!! Work from home and be your own boss selling quality cosmetic insurance.   

       OK, so what if no intelligent life form would actually buy a policy? This planet is full of eager vict^H^H^H^H customers.
BigBrother, Sep 24 2002

       Would that be Lyle Lovett's little brother. He's a mean SOB, won't even help his own family?
General Washington, Sep 24 2002

       … ask your mom.   

       I assert that anything can have an insurance policy written for whatever is forseeable. Tell me if I'm wrong, but aren't pre-tax wage deferral plans moving to longer time frames that don't require a rollover of the money by year's end?
reensure, Sep 24 2002

       Can you bank on Plastic Surgery Insurance? I think So!! Banking with plastic sergury is the best and fastest way to put you on the fast track to success! Believe me when I say, whatever denero it costs, theres much more where that came from. Theres only you, and the decision, so go out and splurge a little. What the hell, let the insurance companies flip the bill on something worthwile for a chance. No matter what, No more bulge, a few extra inches here there- cha cha cha!!!
nickademous, May 18 2003


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