Celebrities get media attention for everything they do. Additionally, news travels faster if the activity involves ensuring certain body parts. Many celebrities in India have chosen to insure many different body parts. Read on to learn more about this type of special insurance.
What Are We Talking About?
Consider the basic idea of insurance if this question crosses your mind. By purchasing insurance, you can reduce your financial losses in case of any unfortunate event. Celebrities choose to protect particular body parts that they feel are essential to their personality or brand, just like regular people do with health insurance plans. Usually, the body parts they insure determine their ability to survive.
Who Goes For It?
Most celebrities in the entertainment and sports industry choose to insure their body parts. In the glamour industry, where appearances are everything, celebrities go to considerable lengths to look good. They spend money on themselves and protect their investments from unexpected financial losses by choosing insurance. The same is with athletes, and they always take the risk of accidents as they work very hard to keep their bodies in good shape.
Below is a list of celebrities who have got their body parts insured:
|
Name |
Insurance For |
|
Jennifer Lopez |
Buttocks |
|
Lata Mangeshkar |
Voice |
|
Rajinikanth |
Voice |
|
Vijender Singh |
Fingers |
|
Julia Roberts |
Smile |
|
Sania Mirza |
Hands |
|
Daniel Craig |
Body |
|
Madonna |
Breasts |
|
Cristiano Ronaldo |
Legs |
|
David Beckham |
Legs |
Is it a Customized Insurance Plan?
Celebrities have a substantial financial stake. Therefore, celebrities or brands associated with celebrities often negotiate with insurance companies to insure their chosen body part. Insurance coverage is advantageous and essential to many of them, in addition to being a successful PR effort.
Is This Type of Insurance Available to the General Public?
No, these policies are exclusive and not available to the public. Regular people spend little money on their body parts compared to celebrities, and buying these is also not recommended. Insurance providers develop products that are universally applicable and beneficial to many people, such as health insurance and personal accident insurance.
Factors Considered by Insurance Companies
Various criteria will be considered by the insurance companies when offering this type of insurance. Below mentioned are the factors considered by the insurance companies:
- Applicant's Health
- Applicant's Lifestyle
- Applicant's Popularity
- The risk involved in the insured body part
- Most banks are pretty concerned about the applicant's income because the premium amount is very high
Conclusion
You will not be able to buy such insurance directly from the insurance company's website as they are not widely available. However, you don't have to be famous to buy specialized insurance. You can talk to the insurance companies and tell them about your needs, and they will offer you the best insurance plan which will suit your need.