PSI Ohio Insurance Practice Exam

A Basic Hospital Policy pays which of the following expenses?

1. Outpatient surgical costs

2. Hospital room and board

3. Emergency room visits

4. Physician's fees

The correct answer is: Hospital room and board

A Basic Hospital Policy primarily covers expenses associated with the actual use of hospital facilities, specifically focusing on hospital room and board. This type of insurance is designed to provide financial assistance for patients who require inpatient care, ensuring that they can cover the costs of being admitted to a hospital, including their stay and meals during that time. While outpatient surgical costs, emergency room visits, and physician's fees may be related to an overarching medical treatment plan, they typically fall under different types of policies or additional coverage. Basic Hospital Policies do not generally encompass these expenses; they emphasize inpatient services rather than outpatient or ancillary services. Therefore, the focus on hospital room and board is a key aspect of what a Basic Hospital Policy is structured to cover.