Final answer:
All of the options provided would be exclusions found in a health policy except for routine medical check-ups.
Step-by-step explanation:
Exclusions in a health policy refers to the specific items or services that are not covered by the insurance. In this case, all of the options provided would be exclusions found in a health policy except for b) Routine medical check-ups.
Pre-existing conditions, cosmetic surgery, and experimental treatments are typically excluded from health policies. Pre-existing conditions are medical conditions that existed before the insurance policy was purchased and are usually not covered by insurance.
Cosmetic surgery is usually considered elective and not medically necessary, so it is often excluded. Experimental treatments are treatments or procedures that are still being tested and their effectiveness is uncertain, so they are typically not covered by insurance.