What type of insurance policy typically offers limited daily room and board benefits?

Basic hospital insurance is designed primarily to provide coverage for a patient's room and board during hospital stays, typically offering limited benefits that focus on essential hospital services. This means that while the policy covers a specific daily amount for room and board, it does not extend to broader healthcare expenses or extensive coverage that would be found in major medical or comprehensive health insurance.

As a result, basic hospital insurance serves as a foundational type of health coverage that is typically less expensive than more comprehensive policies, making it accessible for those who seek coverage for the basic needs associated with hospitalization without the extensive benefits found in other insurance products.

In contrast, major medical insurance and comprehensive health insurance offer a wider range of benefits, including outpatient services, preventive care, and coverage for major illnesses, which goes beyond just room and board. Long-term care insurance, on the other hand, is designed to cover services that assist with activities of daily living in long-term settings, which is unrelated to hospital room benefits.