What is a common feature of most health insurance policies?

A common feature of most health insurance policies is coverage for routine check-ups. This is an essential benefit included in many health insurance plans as it emphasizes preventive care, allowing individuals to have regular health assessments to detect potential health issues early on. Routine check-ups can help in promoting overall health and wellness, and are often covered at little to no cost to encourage policyholders to utilize these services. This focus on preventative care aligns with health insurance objectives to reduce long-term healthcare costs and improve health outcomes for individuals.

While other options may seem plausible, they don't represent standard features across all health insurance policies. Unlimited coverage for all medical expenses is rarely offered, as insurers set caps on benefits to manage risk. Similarly, annual limits on coverage for specific conditions can vary widely and are not universally applied to all policies. Non-cancellation due to claims usage may be true for some policies, but many plans can still have provisions for cancellation or non-renewal under specific circumstances, particularly if risk factors change.