Which of the following is NOT a common exclusion in health insurance policies?

Emergency medical services are generally not a common exclusion in health insurance policies because these services are essential for treating acute conditions and life-threatening emergencies. Health insurance is designed to provide coverage for critical situations, ensuring that individuals receive necessary care regardless of their immediate circumstances.

In contrast, pre-existing conditions are often excluded or limited in coverage because insurers may view them as a higher risk for claims. Cosmetic surgery is frequently excluded from health plans because it is considered elective and not medically necessary. Similarly, accidents caused by intoxication may also be excluded due to the associated risk factors and concerns about behavior at the time of the incident. Therefore, emergency medical services stand apart as crucial benefits that should be covered by health insurance policies, ensuring that individuals have access to immediate medical care when it is most needed.