Health · Chapter 15 · Basic Plans
Basic Hospital Expense Insurance
Definition
Covers room & board plus miscellaneous hospital expenses (lab, X-ray, inpatient medicines, ICU, operating room, supplies) — usually on an indemnity basis (fixed daily amount, e.g. $200/day regardless of the actual bill). No deductible; limits on days and totals.
In plain English
It covers the hospital's THINGS, not the practitioners — the operating room, not the surgeon.
Exam tip
Covers what the HOSPITAL bills. Doctors who bill independently belong to basic surgical/physician policies.
Easy to confuse with
These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.
Related terms