Which of the following is NOT a Major Medical Insurance exclusion?

The correct response is based on the understanding of what constitutes exclusions in major medical insurance policies. Major medical insurance is designed to cover significant medical expenses incurred due to illness or injury, but it often has specific exclusions that outline conditions or treatments not covered under the policy.

Cosmetic surgery that is required due to an accident is typically covered because it addresses medical needs arising from trauma, rather than purely elective or aesthetic concerns. This distinguishes it from procedures that are performed solely for cosmetic enhancement, which are not usually covered unless they are required to restore function or prevent additional medical complications following an accident.

In contrast, pre-existing conditions refer to health issues that existed before the individual obtained the insurance coverage and are commonly excluded from benefits, particularly within the first year of policy implementation. Experimental treatments are also typically excluded because they involve unproven or investigational procedures that are not widely accepted as standard care. Routine dental care, while a necessary part of healthcare for many individuals, is generally not covered in major medical plans as it falls outside the realm of severe medical treatment that major medical insurance is intended to handle.

Thus, because cosmetic surgery required by accident pertains to necessary medical treatment resulting from unforeseen events rather than an elective enhancement, it does not fit within the typical exclusions of major