INSURANCE OF BODY PARTS: A SURPRISINGLY EXOTIC CONNOTATION
Insuring body parts has a surprisingly exotic connotation, despite the morbid subject matter. There are various insurance schemes covering property, life, health and automobiles, but until recently, nobody would have thought of having separate body parts insured. Now it is possible to have ther body parts insured with an insurance company. If you are a Footballer, you can insure your legs as this body part is aiding you to earn your bread and butter. This policy is usually taken by celebrities all over the world as they can afford the high expenses associated with it. Body part insurance is part of Specialty insurance which has already gained a good market abroad and is slowly gaining importance and acceptance in India too. Body part Insurance is usually taken and issued to celebrities who stand to lose from damage or injury to their body part and this policy indemnify the business loss to a celebrity for that part of their body or talent that is important for their business. Insurers abroad look at the health of celebrity, popularity, and his /her earnings from the talent or body part that they wish to insure. Celebrities from all over flock to Lloyd’s to have their most iconic bits financially insured, heaven forbid anything ever happens to them! Some of them are:
- Kiss bassist Gene Simmon is known for his iconic tongue, and has insured it at a modest $1 million.
- A middle finger? Really? Keith Richards of The Rolling Stones had his guitar-strumming middle finger insured for a cool $1.6 million.
- Stunner Heidi Klum has her long legs insured for $2.2 million. Of the experience, she says: “Basically, I was in London, and I had to go to this place where they check out your legs. They would look at them and I had one scar here from when I fell on a glass, so this [left leg] isn’t as pricey as this [right] one.”
- Iconic songstress Tina Turner had her ageless legs insured for $3.2 million.
- Country singer Dolly Parton is hard to miss for two very large reasons! Her bouncy assets are insured for $3.8 million.
- Singer Bruce Springsteen’s world-famous pipes are insured for $6 million.
- You may have seen her wearing braces when she starred in “Ugly Betty” on TV, but the beautiful America Ferrera’s smile is insured for a whopping $10 million.
- Is singer Rod Stewart’s voice worth more than Bruce Springsteen’s? Apparently so… Stewart’s raspy voice is insured for an astronomical $15.5 million.
- Jennifer Lopez, the singer from the South Bronx has come a long way from her humble origins. Her infamous rear end is insured for an incredible $27 million.
- We know he’s incredibly good looking, charming, and athletic… butthis amount? Soccer pro David Beckham’s legs are insured for a faint-worthy $70 million.
About the Author
JAGENDRA KUMAR
Shriram General Insurance, 71/143, “Ramashram”, Paramhans Marg, Mansarovar, JAIPUR-302020
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