What is a common feature found in health insurance policies?

Health insurance policies commonly include a copayment or deductible as part of their structure. A copayment is a fixed amount that the insured pays for specific services at the time of the visit, while a deductible is the amount the policyholder must pay out-of-pocket before the insurance coverage kicks in for additional services. These features help to share the costs between the insurer and the insured, making users more mindful of the healthcare services they utilize.

In contrast, the other options present features that are not typically standard in all health insurance policies. For instance, not all policies exclude coverage for pre-existing conditions, especially if they were established prior to the policy's effective date. Regarding dental procedures, while some health policies may offer dental coverage, it is not comprehensive for all types of procedures unless specifically included in a dental plan. Lastly, providing cash benefits for medical procedures is characteristic of certain types of policies, like critical illness insurance or accident policies, rather than standard health insurance plans. Thus, the inclusion of copayments or deductibles is a much more consistent feature across health insurance policies.