Which of the following would NOT typically be included under exclusions in a health insurance policy?

Routine check-ups are generally included in health insurance policies as covered benefits rather than exclusions. These services are considered preventive care and are often encouraged as part of maintaining overall health. Insurance plans frequently include provisions for routine check-ups to help identify and manage potential health issues before they escalate, thereby promoting better health outcomes for policyholders.

In contrast, exclusions typically encompass items or services that the insurer will not pay for, such as experimental treatments, certain pre-existing conditions, and self-inflicted injuries. These exclusions are put in place to help manage risk and control costs for the insurer. Hence, routine check-ups stand out as a necessary and covered component of comprehensive health coverage.