Claiming benefit in a body part insurance?

So if a celebrity has insured his/her smile,under what circumstances do they have the right to claim back their money? i mean, how do you measure the extent of smile lost. i also read through about celebrities insuring really weird things like chest hair! , sperm etc! how does this work? could anyone give me more insight on how body parts insurance really works and how does it benefit the person insured. These insurances also seem to be really expensive in the first place.

I want to know know about LIC Insurance?

I want to know all about LIC Insurances stuff. I don’t have any knowledge on this and would be eager to know more about it. I am 26 Years old working in UAE. What is the best LIC stuff for me and what i have to do. I need full information from basic. Please do reply me…..