Which exclusion typically appears in Major Medical Insurance contracts?

Cosmetic surgery not caused by an accident is a common exclusion in Major Medical Insurance contracts because such procedures are generally considered elective and not medically necessary. Insurance typically covers treatments that are deemed essential for health and well-being, while cosmetic procedures, which are aimed primarily at improving appearance, do not fall under this category unless they are performed to correct an accident-related injury.

This exclusion reflects the intent of Major Medical Insurance to focus on critical care and essential treatments that can significantly impact a policyholder's health. Therefore, unless a cosmetic procedure is directly related to an injury or medical necessity, it is excluded from coverage in these contracts.

In contrast, other exclusions such as injuries sustained during a riot, injuries related to work, and natural aging conditions may have specific contexts under which they could be argued or challenged, but cosmetic surgery generally remains clear in its classification as an elective procedure not covered by standard medical insurance policies.