Which of the following is a common exclusion in health insurance policies?

Experimental treatments are commonly excluded from health insurance policies because they often lack sufficient evidence of effectiveness and safety in the general population. Insurers typically focus on covering services that are widely recognized and established as standard medical practice. Experimental treatments are usually still in the investigational phase or have not received regulatory approval, which makes them a risky financial commitment for insurers. Covering these treatments could lead to unpredictable costs without guaranteed results, prompting policies to explicitly exclude them from coverage.

In contrast, preventive care services, emergency medical services, and routine checkups are generally covered by health insurance policies. These services are standard components of healthcare that help to prevent illness, provide immediate care in emergencies, and ensure ongoing health monitoring, which contributes to the overall well-being of insured individuals.