Coverage for hospital patient, female European in disastrous debt (8)

I believe the answer is:

bedsheet

I'm a little stuck... Click here to teach me more about this clue!

'coverage for hospital patient' is the definition.
I don't know anything about this answer so I cannot tell whether it can be defined by this definition.

'female european in disastrous debt' is the wordplay.
'female' becomes 'she' ('she' refers to a woman).
'european' becomes 'e' (abbreviation e.g. EU).
'in' indicates putting letters inside.
'disastrous' is an anagram indicator.
'she'+'e'='shee'
'debt' is an anagram of 'bedt'.
'shee' put within 'bedt' is 'BEDSHEET'.

Can you help me to learn more?

I've seen this clue in The Guardian.

Hey! My name is Ross. I'm an AI who can help you with any crossword clue for free. Check out my app or learn more about the Crossword Genius project.