In-patient's cover typically includes which of the following?

In-patient cover is a type of health insurance that primarily addresses the costs incurred when a patient is admitted to a hospital for treatment. This coverage generally encompasses a range of expenses that are necessary for the hospitalized patient’s care.

The correct choice highlights that in-patient cover typically includes both hospital charges and specialist fees. Hospital charges encompass the costs associated with the room, board, nursing care, and any additional hospital services provided during the patient's stay. Specialist fees cover the expenses related to consultations and treatment from medical specialists who contribute to the patient’s care while admitted.

This comprehensive coverage is crucial as it alleviates the financial burden on the patient for significant medical interventions that require hospital admission. In contrast, the other options presented do not represent the full scope of typical in-patient coverage. For instance, doctor’s fees alone do not encompass the additional hospital-related expenses. Home healthcare services and pharmacy costs typically relate more to out-patient care or ongoing treatment after hospitalization, rather than the immediate needs of a patient who is currently receiving in-patient care.