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

Cosmetic procedures are commonly excluded in health insurance policies because they are often deemed non-essential or elective treatments. Unlike procedures that are deemed medically necessary for a patient's health, cosmetic surgeries and enhancements are typically performed for aesthetic reasons and do not address underlying health issues. As a result, insurance providers usually do not cover the costs associated with these types of procedures.

In contrast, preventative care and emergency services generally are included in health insurance policies. Preventative care, such as vaccinations and routine check-ups, is often covered to help prevent illness and manage health proactively. Emergency services are also covered due to their critical role in saving lives and addressing acute medical situations. Similarly, while some medication prescriptions might have limitations or specific requirements, they are often covered when related to the treatment of diagnosed health conditions, making cosmetic procedures a clear exclusion in many health plans.