Which of the following is generally excluded from group health policies in Indiana?

Cosmetic surgery is generally excluded from group health policies in Indiana because it is usually considered elective and not medically necessary. Insurance policies typically focus on covering medical services that are deemed essential for the diagnosis and treatment of illnesses or injuries. Since cosmetic surgery is performed primarily for aesthetic reasons rather than to address a medical condition, it falls outside the scope of coverage provided by standard group health plans.

In contrast, routine physical exams, preventive care services, and emergency medical services are generally included in health insurance policies because they are important for maintaining health, preventing disease, and providing necessary treatment in urgent situations. These types of services support the overall health care needs of individuals, which is why they are more likely to be covered under group health insurance.