Surgical Accident Insurance is a specialized protection product designed for hospitalized patients undergoing surgery, offering financial coverage for unexpected risks that may occur during the preoperative, intraoperative, and postoperative stages. It provides compensation for intraoperative complications, severe postoperative issues, ICU admissions due to surgical incidents, and surgical-related deaths, helping to alleviate the stress and financial burden on patients and their families. The insurance is typically purchased before surgery through hospital admission desks, physician recommendations, or on-site insurance representatives. With affordable pricing, precise coverage, and efficient claims processing, this product not only strengthens patient trust but also supports hospitals in enhancing their risk management and service systems—making it an innovative, scenario-based insurance solution that benefits both patients and healthcare providers.