My head is worth what?

I am contemplating surgery for a herniated disc in my neck. As part of the process I'm checking with my insurance company about coverage, etc. I was looking at the "general cost" of this kind of surgery which then led me down this path:

In the last few years I've increased the value of my head by doing the following:

• Hearing Aids - $3,000
• Dental Work - $6,000
• Eyes and New Glasses - $1,500
• Neck - $20,000

Is my head really worth $30,000? Should I think about special insurance just for this? You know, like Lloyd's of London?