Health Insurance is an important concept in modern times, covering all possible aspects of medical insurance for human. However, covering only illness and injuries do not suffice health insurance, as even as a person's treatment is covered, the fact that he/she has to be treated in hospital could prove very costly if there is no coverage for hospitalization. Hence, hospital insurance (also known as Hospital Indemnity Plans) is one which offers specific benefits for daily hospital room and board and common hospital services and supplies during stays in hospital(s).
Hospital insurance coverage includes:
• policy sold in combination with a physician or surgical expense policy (such policy provides benefits for both surgical operations and doctors in-hospital visits)
• medical policy that gives substantial coverage for various medical expenses
• combination of hospital-physician-surgical coverage plus a supplemental medical policy.
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