What is typically NOT covered under accident and health insurance policies?

Routine physical exams are typically not covered under accident and health insurance policies because these policies are primarily designed to provide coverage for unexpected medical events, such as injuries resulting from accidents and treatments for illness. The focus of these policies is on providing financial support for acute medical issues rather than preventive care services like physical exams, which are generally classified as routine check-ups and often require separate coverage or may be handled through different types of health plans.

In contrast, emergency room visits, injuries from accidents, and illness-related treatments are fundamental aspects of accident and health insurance, as these policies are meant to offer protection against unforeseen medical expenses associated with accidents and illnesses. Thus, routine physical exams fall outside the realm of coverage that these policies aim to provide.