Which of the following disabilities are typically excluded from coverage in disability policies?

Disability policies often contain specific exclusions to limit the insurer's risk exposure, and one common exclusion is disabilities arising from war. This exclusion is based on the understanding that the risks associated with armed conflict are significantly greater than everyday incidents. War-related injuries or illnesses can occur under extreme and uncontrolled circumstances, leading to potentially catastrophic claims for insurance companies. As a result, many insurers opt to exclude such disabilities to maintain manageable levels of risk and ensure the sustainability of the coverage they provide.

In contrast, injuries from accidents, illnesses from medical conditions, and job-related injuries are typically included under disability policies, albeit sometimes with specific conditions or limitations. These types of disabilities are more common, and insurance policies are designed to cover the majority of risks encountered in daily life, subject to certain exclusions that help to define the policy’s coverage parameters.