What type of policy likely covers expenses incurred from in-hospital treatment as well as some outpatient expenses?

A medical expense policy is designed specifically to cover a variety of healthcare costs, including expenses related to in-hospital treatment and certain outpatient services. These policies typically offer benefits for hospital stays, surgeries, doctor visits, diagnostic tests, and sometimes even preventive care, depending on the specifics of the policy. The broad scope of coverage is essential for helping individuals manage the financial burden associated with medical treatment and can significantly alleviate out-of-pocket expenses.

In contrast, limited risk policies are intended to cover specific illnesses or injuries and do not provide comprehensive coverage like a medical expense policy. An accidental death and dismemberment policy is focused solely on providing benefits in the event of death or dismemberment due to an accident, without covering general medical expenses. Disability income policies offer replacement income if a policyholder is unable to work due to a disabling condition, rather than covering direct medical expenses. Therefore, the most appropriate choice for covering both in-hospital treatment and some outpatient expenses is indeed a medical expense policy.