Accidental injury refers to physical injury caused by external, sudden, unintentional and non-disease objective events as direct and separate reasons.

exonerate

Article 6 If the insured dies or is disabled due to the following reasons, the insurer shall not be liable for paying insurance benefits:

(a) the intentional act of the applicant;

(2) The insured causes self-mutilation or suicide, unless the insured is a person without civil capacity at the time of suicide;

(3) Fighting, being attacked or being murdered due to the provocation or intentional behavior of the insured;

(4) Pregnancy, abortion, childbirth, illness, drug allergy, heatstroke and sudden death of the insured;

(5) The insured receives cosmetic surgery and other internal and surgical operations;

(six) the insured did not follow the doctor's advice and took, smeared or injected drugs without authorization;

(7) Nuclear explosion, nuclear radiation or nuclear pollution;

(8) terrorist attacks;

(9) The insured commits a crime or resists arrest;

(10) The insured engages in high-risk sports or participates in professional or semi-professional sports.

Article 7 If the insured suffers injury during the following periods, resulting in death or disability, the insurer shall not be liable for paying insurance benefits:

(1) During war, military action, riot or armed rebellion;

(2) The insured is under the influence of drunkenness, drugs or controlled drugs;

(3) During drunk driving, the insured drives or drives a motor vehicle without a valid driver's license.

If the insured dies under the circumstances mentioned in Articles 6 and 7 above, the insurer shall terminate the insurance liability to the insured and return the unexpired net insurance premium to the applicant on a daily basis.

Ping An Additional Accidental Injury Medical Insurance Clause

Article 6 The insurer shall not be liable to pay the insurance money for the following expenses:

(1) Self-funded items and drug expenses stipulated by social medical insurance or other publicly-funded medical management departments in the place where the policy is issued;

(2) Medical expenses incurred by the insured due to disc herniation;

(3) Nutrition expenses, rehabilitation expenses, assistive devices expenses, cosmetic expenses, beauty expenses, repair surgery expenses, dental plastic surgery expenses, tooth restoration expenses, dental implant expenses, nursing expenses, transportation expenses, meals expenses, lost time expenses and funeral expenses.

If the insured dies under the circumstances mentioned in Articles 4 and 5 above, the insurer shall terminate the insurance liability to the insured and return the unexpired net insurance premium to the insured on a daily basis.

Judging from the above terms, the key is whether the burns caused by the barbecue restaurant are accidental injuries. Personally, I think it should be compensated by insurance companies and hot pot restaurants, but the medical compensation for accidental injuries does not include plastic surgery fees.