What is a common exclusion found in PMI policies?

In private medical insurance (PMI) policies, a common exclusion is experimental treatments or procedures. Insurers typically exclude coverage for treatments that are not widely accepted or validated by the medical community. This means they will not cover procedures that are still in trial phases or have not been proven effective for general use. The rationale behind this exclusion is based on the assessment of risk and cost associated with untested treatments which may not provide tangible benefits to patients.

In contrast, emergency room visits and preventive care are generally covered under most PMI policies because these services are considered essential and recognized as necessary for maintaining health and providing timely care. Treatment for minor ailments might also be covered, as these incidences are common and most policies aim to provide comprehensive care for their members.