Which of the following risks are generally not covered by health insurance?

Health insurance policies often have specific inclusions and exclusions, which delineate what is and isn't covered. Cosmetic procedures, experimental treatments, and pre-existing conditions after the exclusion period are typically areas that health insurance does not cover due to their nature. Cosmetic procedures, for example, are viewed as non-essential or elective, meaning they are not necessary for treating medical conditions and therefore often do not qualify for coverage.

Experimental treatments may not be covered because they may not have been proven effective or may be too new in the medical community to have established guidelines for insurance reimbursement. Regarding pre-existing conditions, although many policies now cover them after an exclusion period, prior to the Affordable Care Act, many insurers would deny coverage based on such conditions, and some policies still apply waiting periods or restrictions.

In contrast, emergency services, cancer treatments, and routine check-ups are typically covered because they are considered essential for maintaining health and addressing critical medical needs. This distinction helps clarify why these aspects remain central to health insurance coverage, reinforcing the focus on essential care while excluding non-essential or unproven interventions.