Which of the following is an example of elective cosmetic surgery?

• A. Root canal
• B. Removing excess fat from an insured's waistline
• C. To the children born of my union with Ned Jackson
• D. Charging different premiums for policyholders in the same risk classification

Answer: (B)

Elective cosmetic surgery means a procedure chosen for improving appearance rather than treating a medical condition. Removing excess fat from the waistline is liposuction done for cosmetic reasons, so it fits this definition of elective cosmetic surgery. Insurance typically doesn’t cover cosmetic procedures when they’re not medically necessary.

The other options are not examples of elective cosmetic surgery: a root canal is a dental procedure aimed at saving a tooth and is generally considered medically necessary rather than cosmetic; the unrelated phrase about children looks like a non-medical item and isn’t a surgical procedure; charging different premiums within the same risk class is a pricing practice, not a surgery.