Just a few days ago, rumors were tickling that Karan Johar made several trips to insured his face in South Korea (yes, it’s one thing).

Now, while rumors have gone viral, thanks to a redit thread, there is no statement or confirmation from him that can still confirm these claims. In fact, he shared a cryptic post between all Hulabalu around his so -called face insurance.

While the authenticity of this update is doubted, there is also a lot of curiosity around the concept of face insurance.

Today India Talked to a cosmetologist to better understand things, and this is what we understood.

Fuel about facial insurance

You can get an insurance policy for almost anything valuable – your home, car, jewelery. But it turns out that there are more things (or body parts) that can be insured than just to meet the eye.

Face insurance refers to a type of insurance policy that protects a person’s face appearance, usually extracted by famous celebrities, models, actors, or public figures, whose face is directly associated with their livelihood.

This is not your traditional insurance product, which is available to everyone from the shelf. Instead, it is a customized policy that is often made under body part insurance or celebrity insurance, which is introduced by special underwriters (Lloyds of London).

Esthetic Clinic co-founder and director Dr. Dabraj Shom says, “This type of insurance provides monetary compensation in the event of complications from facial trauma, disintegration, irritation, or reconstruction processes, resulting in income or reduction in career.

Why will someone insure their facial?

Well, the idea is simple: if your face is your brand (if you are a film star, model, or beauty influencer), any loss done to your IT, such as permanent marks, disintegration, etc., it can cause loss of income or career opportunities. This insurance will ensure to cover any loss you have done, just if something unpleasant.

Dr. Akanaksha Singh, Senior Cosmetologist, Sense Clinic, also states that since the presence of the facial is an important discrimination and a significant determinant of commercial value for actors, models and affected, it creates for an important property that is worth insurance.

Medical evaluation policy is essential for underwriting. Experts of facial surgery, dermatology and biometric analysis conduct basic documentation that supports future claims.

How to evaluate

Dr. Singh says that the process for face insurance is highly adapted, which takes into account the commercial value of the face based on the assessment of linked endorsements and other commercial contracts.

Speaking about the evaluation, Dr. The Shom, “explains,” East-point assessment includes high-definition photography, dermatology assessment, and digital facial symmetry mapping. These assessments are often supported by physicians with experience in both aesthetic therapy and reconstruction surgery. Institute with a multi-level approach. “

• The process begins with consultation between the applicant and an insurer, where the insured price and risk are discussed.
• This is followed by a comprehensive face evaluated by qualified medical professionals.
• These assessments typically include three-dimensional face imaging, skin health analysis and structural symmetry reports. Medical physicians are best deployed to conduct these evaluation with specialization in facial aesthetics and reconstruction surgery.
• Once clinical documentation is presented, the insurer does the risk analysis based on the applicant’s profession, exposure to facial risk and the previous medical or cosmetic interventions.
• The terms of the policy are then corresponding to the individual, in which coverage, including trauma, burns, medical surgery, and career-influential dissolution, is potentially with coverage.
• Assurance is required from time to time to ensure policy accuracy. These revaluation is supported by continuous documentation from medical centers that maintain standardized photographic and clinical records.
• This protocol ensures transparency, reduces claims disputes, and anchor to insurance policy in medical evidence.

And then, body part is also insurance

As you can insure your face, you can also insure any part of your body. However, you need to prove that it is a real property and not an appendage. It also involves proving that you have used a lot of time and money to complete the skills and tasks of the body part in the question.

For example, surgeons can insure their hands as they have been through extensive training throughout their life and if something happens to them that can fulfill their ability to perform more surgery, insurance will take care of finance.

Also with a sommelier, whose taste buds or their sense of smell are the source of their income.

Celebrity and their insured body parts

For an average person, face or body insurance can actually be difficult to achieve as it comes with a heavy price tag. Only high-proclaimed people with high disposable income can opt for it.

Heidi Clum clearly insured his legs for approximately $ 2 million, but had a higher value than each other due to a mark.

Kim Kardashian, Miley Cyrus and Julia Roberts are all rumored to insure various body parts, including their face or smile, as part of individual branding safety.

Where does India stand

Face insurance is still unusual, but it is gradually being recognized in countries where individual branding and attendance are directly associated with economic opportunity. While the number of policies released globally is limited, demand between professionals who are in M ​​= Visual media or performance arts.

Expert insurers in markets like the United Kingdom and the United States have developed Besk policies for actors, musicians and media personalities, Dr. Shom says.

“In the emerging markets, awareness is increasing, but the uptake is low due to lack of silver insurance products and standardized assessment protocols. However, beauty and reconstruction clinics in India and Southeast Asia have started getting increasing questions related to facial insurance,” said Dr. Shom.