Final answer:
Common exclusions in health insurance include elective cosmetic surgery, workers' compensation, and intentionally self-inflicted injuries but typically do not include necessary reconstructive procedures like cosmetic surgery to repair a cleft palate.
Step-by-step explanation:
The common exclusions in health insurance typically encompass a range of services that are not covered by insurance policies due to various reasons. Exclusions often include elective cosmetic surgery, workers' compensation, and intentionally self-inflicted injuries. These are excluded to discourage moral hazard and unnecessary medical expenses. However, cosmetic surgery to repair a cleft palate is generally not an exclusion since it is considered reconstructive and medically necessary. This type of surgery is often covered by health insurance policies as it addresses a medical issue that can affect the individual's ability to eat, speak, and maintain oral health.