Hospital Insurance

You can enrol by calling 1-866-262-7920. (This plan is not available through RBC Royal Bank^® branches.)

You can enrol your spouse when you enrol yourself or later. Simply call 1-866-262-7920. (This plan is not available through RBC Royal Bank^® branches.)

Yes, you can cancel your coverage at any time by calling us at 1-888-659-0199.

You may enrol for a Royal RecoverAssist plan if you are:

• A current customer of any RBC^® company, and
• Between the ages of 18 and 69, and
• A Canadian resident

You may also enrol your spouse if he or she is between the ages of 18 and 74.

There are no medical questions or exams to take. If you are eligible to enrol, you’re guaranteed to be accepted.

Under Enhanced Coverage, the benefit payment is reduced by 20% for smokers. However, if you enrol as a smoker but file a claim after you’ve quit smoking, you’ll receive the larger benefit. (When you submit your claim, you will need to disclose whether you are currently a smoker or a non-smoker.)

If you’ve been living with your partner for at least one year, he or she can enrol for coverage under your plan.

*Complete information on exclusions is contained in the Certificate of Insurance.

The money is yours to use any way you wish. You can use it to help with your recovery, pay unexpected bills, replace lost income or meet other expenses.

Your benefit amount will depend on several factors:

• The coverage you purchased (Basic or Enhanced)
• Your age when you enrolled (if purchasing Enhanced Coverage)
• Your smoking status (if purchasing Enhanced Coverage)
• The length of your hospital stay (up to 365 days per condition)

The maximum possible Basic Coverage benefit amount is $146,000. The maximum possible Enhanced Coverage benefit amount is $73,000.

For more information, see:

• Basic Coverage – Accidents Only
• Enhanced Coverage – Accidents and Illness

You can receive benefits for a hospital stay of up to 365 days.

In the event of death, your estate will receive the coverage benefits.

No, your payments will not increase with age. With Enhanced Coverage, your rates and benefits are based on your age at the time you enrol, so you’ll get the best premium when you’re in a younger age range.

Yes, you’re covered anywhere in the world. However, this insurance is NOT a substitute for travel insurance.

After we process your enrolment form, you will receive a Certificate of Insurance. You will find your coverage effective date on this certificate.

Your coverage can end one of several ways:

• When you reach age 75
• When you stop paying your premium
• When you are no longer eligible
• When you notify RBC Insurance that you want to terminate your coverage

Note: When your coverage terminates, any coverage for your spouse also terminates.

Our goal is to make the claims process as easy as possible. Just call the toll-free number on your Certificate of Insurance. An RBC Insurance^® representative will send you a simple claims form and guide you through the claims process.