Is Niu Niu Bao's accident insurance useful? Is it useful? Any suggestions?

Very useful. Surgical accident insurance means that many complications during or after surgery are not medical accidents. In view of this sudden situation, the hospital has no liability for compensation, which is easy to cause disputes between doctors and patients. This product can fill the gap in the protection of ordinary accident insurance products, because accident insurance products generally take medical accidents as the exclusion responsibility, while surgical accident insurance can protect the death, disability and surgical complications caused by medical accidents.