Which of the following is NOT a type of disability policy exclusion?

Disability policies typically contain various exclusions that outline situations or conditions for which benefits will not be paid. Routine health examinations are not considered under the scope of disability benefits, as these policies are designed to cover income loss due to actual disabilities that prevent a person from performing their job.

Self-inflicted injuries, pre-existing conditions, and accidents occurring outside the U.S. are common exclusions in disability insurance. Self-inflicted injuries are typically excluded to prevent potential fraud or misuse of disability benefits. Pre-existing conditions are often excluded because insurers want to mitigate the risks associated with providing coverage to individuals whose disabilities may have been anticipated prior to the policy’s initiation. Accidents occurring outside the U.S. are frequently excluded due to jurisdictional and liability issues, as policies are generally created for coverage within the insured's home country or specific territories.

In contrast, routine health examinations are preventative measures and do not relate to a disability causing a loss of income. Therefore, they do not fall under the categories typically excluded in disability policies, making them the correct answer.