Which factor is typically not covered under a health insurance policy?

A health insurance policy is designed to cover a variety of medical-related expenses, but it generally does not extend to property-related issues, like damage from natural calamities. The primary focus of health insurance is to provide coverage for medical services and treatments, which include emergency medical expenses, routine check-ups, and prescription medications.

Emergency medical expenses are covered because they are essential for addressing sudden health crises. Routine check-ups are also typically covered as they play a crucial role in preventive health care, ensuring that individuals receive regular screenings and assessments to maintain their health. Prescription medications are frequently included in health insurance plans to help individuals manage ongoing health conditions or acute illnesses.

In contrast, property damage from natural calamities falls outside the scope of health insurance policies, which focus on health care costs rather than damage to property. Individuals usually need separate property insurance or other types of coverage to protect against natural disasters.