Which benefit is often included in group health insurance policies?

Preventive care services are commonly included in group health insurance policies because these services help catch potential health issues early and promote overall wellness among a group's members. By covering preventive care, insurers incentivize individuals to seek routine check-ups, vaccinations, and screenings, ultimately reducing the likelihood of more serious health conditions that can lead to higher costs for both the insurer and the insured.

Including preventive care services in group health insurance aligns with the broader goals of health management and cost containment, making it a standard feature to encourage healthy behaviors. This focus on prevention is part of a larger trend in healthcare to promote wellness and long-term health, which is beneficial both for individuals and for the healthcare system as a whole.

Other options, while they may have their own value, are typically not standard inclusions in group health plans. Life insurance and accidental death benefits are more often found in separate policies or specialized coverage, while long-term care benefits usually require additional, standalone policies due to their specific nature and costs.