Basic Hospital Expense Insurance

What Does Basic Hospital Expense Insurance Mean?

Basic hospital expense insurance is a type of health insurance that covers essential hospital costs for a specified period. It typically includes expenses such as room and board, X-rays, IVs, and other basic services. Many people purchase this type of insurance for its coverage of essential healthcare needs.

Insuranceopedia Explains Basic Hospital Expense Insurance

Hospital stays can often cost thousands, or even tens of thousands, of dollars, with some cases exceeding this amount. Basic hospital expense insurance helps prevent policyholders from bearing these costs on their own. It can be purchased as a supplement to a standard health insurance policy. Some individuals feel that their standard health insurance doesn’t provide sufficient coverage for hospital expenses, and opt for basic hospital expense insurance to gain additional coverage.