What type of disabilities do disability policies generally not cover?

Disability policies typically do not cover disabilities arising from war due to the inherent risks and unpredictable nature associated with military conflict. Insurers view these risks as being outside the realm of everyday life, and thus, they often exclude them to minimize potential losses. This exclusion helps insurance companies manage their risk and keep premiums at a reasonable level for other types of disabilities, such as those from accidents, natural disasters, or occupational hazards, which are more common in civilian life. Policies are designed to provide financial support during periods of incapacitation due to various reasons, but the extraordinary nature of war makes it a significant liability that insurers choose not to cover.