What does the cryptic crossword clue "Coverage for hospital patient, female European in disastrous debt (8)" mean?

The wordplay uses an anagram. anagram of SHE (synonym="female") + DEBT (synonym="DEBT") + E (synonym="female") = BEDSHEET The answer is BEDSHEET.

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

Guardian Cryptic #29347 | 1 Down | 2024-04-03 flower