Does Life Insurance Cover Elective Surgery? 
In general , there are possibly three scenarios you might have in mind . If you own life insurance currently and have elective surgery , it would not cause your life insurance policy to be canceled . If you were to pass away as a result of surgery , the policy would still pay the beneficiary the policy death benefit . If you were planning to have elective surgery while in the process of applying for life insurance coverage , depending on the surgery , the insurance company may postpone making an offer to issue coverage until a period of time has elapsed from the surgery . 