Which of the following is not an example of a policy exclusion?

The option identified is correct because it refers to a situation that is included in a policy rather than excluded. When a policy states that routine checkups are included, it means these types of services are covered benefits under the policy.

In contrast, the other options relate to specific exclusions where certain conditions or treatments are not covered by the insurance policy. For example, pre-existing conditions not covered indicates that any health issues existing prior to the policy's start date are not eligible for coverage. Similarly, experimental treatments not covered suggests that the policy does not provide benefits for treatments that are still under research and not widely accepted by the medical community. Lastly, cosmetic procedures excluded signifies that any surgeries aimed at improving appearance rather than health are not covered by the policy.

This distinction between inclusions and exclusions is crucial for understanding how insurance policies define what is covered and what is not. In this case, identifying routine checkups as an inclusion clarifies how the policy benefits apply rather than outlining limitations.