Which of the following is not considered an insurance exclusion?
Asked by: Lorena Kautzer | Last update: September 25, 2025Score: 4.2/5 (42 votes)
What are insurance exclusions?
An exclusion is a provision within an insurance policy that eliminates coverage for certain acts, property, types of damage or locations. Things that are excluded are not covered by the plan, and excluded costs don't count towards the plan's total out-of-pocket maximum.
Which of the following is not an exclusion in medical expenses?
Final answer: Coverage for dependents is not typically an exclusion in medical expense insurance policies, while other options like routine dental care, military duty, and self-inflicted injuries generally are.
Which of the following is not an exclusion normally found in a health policy?
Old age is not a standard exclusion in a health policy.
Which of the following is not a standard exclusion in life insurance policies?
Final answer: Among the listed options, 'Disability' is not a standard exclusion in life insurance policies. Hazardous occupation, war and military service, and aviation are typically standard exclusions. These exclusions are due to the high risk situations they entail.
Avoid These Exclusions on Your General Liability Insurance Policy
What are the exclusions for life insurance?
A life insurance exclusion could be death caused by dangerous or illegal activities. An income protection limitation could be the cover only applying for a limited time period. Give your insurer full details of your medical history. Don't guess.
What type of policy insurance for all perils that are not specifically excluded?
Open peril home insurance — also called “all peril” or “all risk” coverage — means that your property insurer covers any peril not specifically excluded in your policy. With these policy types, rather than you having to prove something should be covered, an insurance company has to prove that the loss is not covered.
What are exclusions in term insurance?
Understanding the inclusion and exclusion clauses in term insurance is crucial for anyone purchasing a policy in India. Inclusions are the events or circumstances under which the policy will pay out, while exclusions are those under which the policy will not pay out.
Which of the following is not covered by a health insurance policy?
Most health insurance will not cover elective or cosmetic procedures, beauty treatments, off-label drug use, or brand-new technologies. If health coverage is denied, policyholders can appeal for exceptions or allowances based on an individual's situation and prognosis.
What are exclusions in health care?
Health care services that your health insurance or plan doesn't pay for or cover.
Which of the following is not an allowable exclusion for long-term insurance policies?
The correct answer is: b. Acute care Explanation: 1. Acute care is not an allowable exclusion for long-term insurance policies. Acute care refers to the treatment of short-term illnesses or injuries that require immediate medical attention and are typically covered by health insurance policies.
Which of the following is not considered to be insure expenses?
Which of the following is NOT considered to be insurer expenses? "policy premiums". All of these are insurer expenses EXCEPT policy premiums.
What are exclusions in medical terminology?
1. Shutting off or removing from the main part. 2. In medical insurance programs, a list of specific hazards, perils, or conditions for which the policy will not provide benefits or coverage payments.
What is a list of exclusions?
An exclusions list is a list—set up by a financial institution—of customers who are to be exempted from ongoing due diligence screening. This is usually because these customers' activities have a history of being flagged as false positives, or of otherwise not exhibiting anything suspicious.
What is the general exclusion of insurance?
1. General exclusion refers to risks that are not covered by the insurer and it applies to all customers. 2. Specific exclusion refers to risks that are not covered by the insurer that are specific to you based on your previous medical history.
What is not a common exclusion for a medical expense policy?
In medical expense policies, common exclusions include self-inflicted injuries, on-the-job injuries, and acts of war. Conversely, physical therapy is generally covered, making it the correct answer as the option NOT commonly excluded. Thus, the answer is A. Physical therapy.
Which of the following is not of insurance?
The functions of insurance are risk sharing, assisting in capital formation, economic progress, etc. Lending of funds is not a function of insurance.
What is excluded from coverage in an individual health insurance policy?
Any medical treatment not involving hospitalization: Outpatient treatment, medical tests, and health check-ups are not included. These may include outpatient therapy, health check-up, specific medical tests, and certain medicines. However, these get easily covered if they get hospitalized.
Which of the following is not part of an insurance policy?
Final answer:
Among the provided options, the Certificate of Authority is not a part of an insurance contract. It refers to a document given to an insurance company to permit them to operate within a specific state. The Application, Policy, and Riders however, are all integral parts of an insurance contract.
What is an exclusion in insurance?
An exclusion is an event (peril, accident, incident, or accusation) that an insurance policy will not cover. A standard insurance policy will typically include some exclusions. While insurance policies help small businesses mitigate risk, they don't cover everything.
Which of the following is not typically excluded from life policies?
Final answer: Death due to a plane crash for a fare-paying passenger is typically NOT excluded from life insurance policies, whereas death while involved in a felony, due to war and military service, and self-inflicted deaths often are.
What are specific exclusions?
Specific Exclusions means the exclusions listed in the Schedule which will apply to a specific Benefit listed in that Schedule, over and above the general exclusions listed below.
What is an example of excluded peril?
Typical examples of excluded perils under a homeowners policy are flood, earthquake, and nuclear radiation. A typical example of an excluded loss under an automobile policy is damage due to wear and tear.
What are the common exclusions with a liability policy?
Typical exclusions will include liability for injuries covered by other policies, such as injuries to your own employees and liability for activities not really a part of your business, such as playing on the company softball team.
What is one type of coverage that is always excluded from a property insurance policy?
Flood damage is typically excluded from homeowner's coverage because this type of loss would be handled by another type of coverage: flood insurance.