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Hospital insurance
Hospital insurance can help fill the gap left by your other coverage. If you’re an RBC client, age 18 to age 69, and a Canadian resident1, your acceptance is guaranteed.
RBC client? Protect yourself against the high cost of hospitalization and recovery1
Benefits of hospital insurance
Types of hospital insurance
Hospital insurance
Most popular
Royal RecoverAssist – Basic coverage
Affordable coverage in case you’re hospitalized in Canada due to an accident. The Royal RecoverAssist Basic Coverage plan provides a tax-free benefit that you can use any way you wish.1 Plus, your first month of coverage is on us!2
Ideal if you
Want to fill the gap left by your government or employer-sponsored health plan
Want coverage for accidents only (and not sickness)
Highlights
Tax-Free Benefit: Choice of $100, $150 or $200 per day of hospitalization due to an accident
Flexible: Use benefit for anything you want—hospitalization costs, medications, in-home care, transportation, childcare and more
Lump-Sum Payment: Additional tax-free lump-sum payment equal to the total value of your daily benefits during hospitalization
Spousal Coverage: Option to enrol your spouse/common-law partner
Who can enrol?
A customer of any RBC company
Ages 18-69
A Canadian resident
You may enrol your spouse/partner if he or she is between age 18 and 74. (You must have been living with your partner for at least one year.)
What’s covered?
Provides a tax-free daily benefit to you or your spouse for hospitalization resulting from an accident. You would also receive a lump-sum payment equal to the total value of your daily benefits during hospitalization.
For example, if you are hospitalized for five full days, you could receive up to $200 per day, plus a lump-sum payment of $1,000. Your total payment would be $2,000, tax-free.
- Maximum length of coverage: 365 days per condition
- Maximum possible benefit amount: $146,000
Basic Coverage does not provide a tax-free benefit for hospitalization due directly or indirectly to any of the following:3
- Suicide
- War
- Intoxication
- Drugs/poison (voluntary ingestion)
- Committing or attempting to commit a criminal offence
- High-risk activities (scuba diving, skydiving, parachuting, rock or mountain climbing)
- Cosmetic surgery (unless it is due to an accidental injury)
- A daily benefit will also not be paid for hospitalization in a hospital outside of Canada or for hospital stays for the primary purpose of receiving rehabilitation or palliative care.
Basic Coverage also does not provide a tax-free benefit for hospitalization due to sickness. (Enhanced Coverage provides a tax-free benefit for hospitalization due to sickness or accident.)
About your premiums
Your payments will not increase with age, however it is possible for group rates to change in the future.
Hospital insurance
Most popular
Royal RecoverAssist – Enhanced coverage
Affordable coverage in case you’re hospitalized in Canada due to an accident or sickness. The Royal RecoverAssist Enhanced Coverage plan provides a tax-free benefit that you can use any way you wish.5 Plus, your first month of coverage is on us!3
Ideal if you
Want to fill the gap left by your government or employer-sponsored health plan
Want coverage for accidents and sickness
Highlights
Tax-Free Benefit: Up to $200 per full day of hospitalization due to an accident or sickness (benefit amount depends on your age and whether you smoke)
Flexible: Use benefit for anything you want—hospitalization costs, medications, in-home care, transportation, childcare and more
Spousal Coverage: Option to enrol your spouse/common-law partner
Who can enrol?
A customer of any RBC company
Ages 18-69
A Canadian resident
You may enrol your spouse/partner if he or she is between age 18 and 74. (You must have been living with your partner for at least one year.)
What’s covered?
Provides a tax-free daily benefit to you or your spouse for hospitalization resulting from an accident or sickness.
- Maximum length of coverage: 365 days per condition
- Maximum possible benefit amount: $73,000
There is an elimination period of 3 full days before benefits are paid if you are hospitalized as a result of sickness. This means that if you are hospitalized as a result of sickness for 3 days or less, no benefit will be paid.
Enhanced Coverage does not provide a tax-free benefit for hospitalization due directly or indirectly to any of the following:4
- Suicide
- War
- Intoxication
- Drugs/poison (voluntary ingestion)
- Committing or attempting to commit a criminal offence
- High-risk activities (scuba diving, skydiving, parachuting, rock or mountain climbing)
- Cosmetic surgery (unless it is due to an accidental injury)
- Pre-Existing Condition or Sickness – a condition or sickness for which the insured person visited or consulted a doctor, had signs or symptoms, had tests done or received treatment during the 12 months immediately preceding the effective date of coverage or at any time when this coverage was not in force because it had lapsed. Any pre-existing condition or sickness will be covered after this coverage has been in force continuously for two years immediately prior to the date of hospitalization. If you increase your coverage amount, a new Pre-Existing Condition or Sickness exclusion will apply on the amount of the increase and begin on the effective date of the increase in coverage.
- A daily benefit will also not be paid for hospitalization in a hospital outside of Canada or for hospital stays for the primary purpose of receiving rehabilitation or palliative care.
About your premiums
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.
Enrol now—it’s quick and easy
If you’re an RBC client, age 18 to age 69, and a Canadian resident, your acceptance is guaranteed.
Need help now? Call 1-888-659-0199
From Québec: 1-888-659-0099
RBC Life Insurance Company is the underwriter and insurer. Royal RecoverAssist is a group policy issued to the Royal Bank of Canada.
You are eligible to enrol for hospital insurance if you are a current customer of any RBC company, age 18 to 69, and a Canadian resident. You may also enrol your spouse if he or she is between the ages of 18 and 74. Online enrolment is not available for Quebec residents.
The first month of coverage is provided by RBC Royal Bank at no cost to you.
Complete information on exclusions is contained in the Certificate of Insurance. This information is intended as a summary only. Please see a sample Certificate of Insurance for complete details on terms and conditions, including benefits and exclusions.
There is an elimination period of 3 full days before benefits are paid if you are hospitalized as a result of sickness. This means that if you are hospitalized as a result of sickness for 3 days or less, no benefit will be paid.
Acceptance is guaranteed if you meet the following conditions: You are a current customer of any RBC company, you are between the ages of 18 and 69, and you are a Canadian resident. You may also enrol your spouse if he or she is between the ages of 18 and 74.