Surgery accident insurance is a kind of guaranteed insurance which regulates the insurance company to pay the insurance premium according to the terms and conditions when the patient suffers adverse consequences such as death, disability, or complications because of uncontrollable factors. The insurance company can provide protection for doctors and provide patients with safe treatment .Although the level of medical technology is constantly improving, the risk of medical accidents still exists objectively. With the current legal and social security system in China, there is a lack of compensation mechanism for medical accident risks. Ping An Medical Surgery Accident Insurance can help the hospital to alleviate the contradiction between doctors and patients during the operation, reduce medical disputes, transfer the risks of doctors, and guarantee the compensation that patients can get.