Which of the following is a typical exclusion in Health Insurance policies?

Health insurance policies often include specific exclusions to limit the scope of coverage, and one common exclusion is for intentionally self-inflicted injuries. This exclusion is in place because health insurance is designed to cover unforeseen accidents and illnesses; allowing coverage for injuries that are self-inflicted would go against the principle of insuring against risks that are unintended and beyond the control of the insured.

By excluding coverage for intentionally self-inflicted injuries, insurers aim to mitigate risks associated with moral hazard, where an individual might take greater risks or engage in harmful behavior if they know those actions would be financially covered by insurance. This helps maintain the integrity and affordability of health insurance for all policyholders.

Injuries sustained in an accident, injuries occurring at work, and injuries occurring during sports activities often have specific provisions or conditions under which they can be covered. However, intentionally self-inflicted injuries are clearly delineated as excluded from health insurance policies, making it a typical exclusion.