Which of the following would likely be excluded from a health insurance policy?

Cosmetic surgery is often excluded from health insurance policies because it is generally considered elective and not medically necessary. Health insurance plans typically cover procedures that are essential for health and well-being, such as surgeries required to treat injuries or illnesses. Since cosmetic surgery is performed primarily for aesthetic purposes, it does not meet the criteria for coverage under most health insurance policies.

In contrast, routine check-ups, emergency medical services, and chronic care management are usually covered, as they are preventative or necessary for the treatment of ongoing medical conditions, thereby supporting the overall health of the insured individual. Regular check-ups help catch potential health issues early, and emergency services are critical in life-threatening situations, while chronic care management addresses long-term health problems, ensuring patients receive the necessary care to maintain their health.