What type of coverage pays for both room and board expenses in a hospital setting?

Hospital expense insurance is designed specifically to cover the costs associated with being treated in a hospital, including room and board expenses. This type of coverage typically encompasses various hospital-related costs, which can include the charges for accommodations and meals while a patient is admitted. It focuses on the fundamental expenses incurred during hospitalization.

In contrast, surgical expense insurance generally covers the costs associated with surgical procedures but does not extend to room and board. Major medical expense insurance typically provides a broader range of coverage, including major health issues but may also include elements beyond just hospital stays. Comprehensive major medical insurance further expands on this coverage, integrating additional services like outpatient care and preventive services, but room and board expenses can sometimes be separately considered based on policy specifics.

Thus, hospital expense insurance is the most direct answer to the question regarding covering room and board in a hospital setting.