Which of the following is a common exclusion in insurance policies?

Living overseas is a common exclusion in many health insurance policies, particularly for plans that are designed to provide coverage within a specific geographic area, such as a country or region. Health insurance companies often limit coverage for individuals who are residing outside of their main service area because they may be unable to provide adequate access to healthcare services or may not have contracted providers in the area where the insured is living.

This exclusion is significant because it can leave policyholders without financial protection in the event of health issues while they are abroad, thus underscoring the importance of understanding the limitations of one's health insurance policy when considering living or traveling overseas.

In contrast, accidental injuries at home, routine check-ups, and non-emergency medical procedures typically fall within the scope of coverage, depending on the specific terms of the policy. These elements are generally viewed as standard medical incidents or services that health insurance is designed to cover. As such, they usually do not reflect standard exclusions like living overseas does.