Does Life Insurance Cover Elective Surgery? 
Life insurance does not usually cover any health care . Traditional life insurance just pays upon the death of the insured person . There are some life insurance policies with riders or built in `` living benefits '' that will cover some health care for critical or chronic illness . Those usually pay the cash directly to the insured person when they meet the qualifications for that benefit to kick in . That cash can be used for whatever purpose the insured person desires , including elective surgery . 