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What is hospital insurance?

Updated: 8/16/2019
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14y ago

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Hospital insurance is a contract where, in return for your making premium payments, the insurance company agrees to pay part or all of your hospital expenses. Plans differ considerably regarding what and how much they will cover. It might cover only a fixed percentage of your bill or might have a fixed upper limit on coverage. A plan might have coverage for an ambulance trip to get you to the hospital. It will typically cover costs such as your room, medication, supplies, equipment used and hospital employees' services. It typically will not cover costs of services of non-employees. So you could expect it to pay for the services of a Doctor Who is employed by the hospital but not the services of a doctor who is in private practice. It typically will notcover costs of services not directly provided by the hospital, such as specialized therapy or specialized equipment. Hospital insurance should not be confused with comprehensive medical insurance, which covers medical expenses both in and out of the hospital.

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