Hospital Insurance
Hospital expense
coverage provides specific benefits for daily hospital room and board and
usual hospital services and supplies during hospital stays.
Hospital/medical coverage may be extended in one of three ways:
--
A policy usually sold in combination with a physicians or surgical expense
policy that provides benefits for both surgical operations and doctors
in-hospital visits
--A
major medical policy that provides broad and substantial coverage for many
types of medical expenses
--A
combination of hospital-physician-surgical coverage plus a supplemental
major medical policy.
Room and board benefits are usually stated in one of two ways.
--Indemnity
plans reimburse for the actual room-and-board charge up to a specified
maximum dollar amount per day for hospital confinement.
--A
service-type benefit that pays the full cost of a “semi-private”
room-and-board charge.
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