Are routine physical examinations usually covered under basic medical expense policies?

• A. They are often excluded or limited; coverage varies by policy.
• B. They are always fully covered.
• C. They are never covered.
• D. They require rider for coverage.

Answer: (A)

Routine physical examinations are generally treated as preventive care rather than treatment for a specific illness. In basic medical expense policies, coverage for preventive services is often limited or excluded, and whether a routine physical is covered depends on the exact policy language. Some plans may offer limited preventive coverage or require a rider to expand benefits, while others may cover the exam only if it relates to a diagnosed condition. Because policy terms vary, the usual expectation is that routine physicals are either excluded or limited, not universally covered.