{"id":27903,"date":"2026-04-13T15:30:05","date_gmt":"2026-04-13T19:30:05","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?page_id=27903"},"modified":"2026-04-13T15:58:31","modified_gmt":"2026-04-13T19:58:31","slug":"hospital-insurance","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/hospital-insurance\/","title":{"rendered":"Hospital Insurance"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground  hasDarkBg\" style=\"background:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/hospital-insurance_hero-desktop.webp) no-repeat;--bghero-mobi-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/hospital-insurance_hero-mobile.webp)\">\n<div class=\"wp-block-columns cols-hero-wrapper is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-front is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"rbc-yoast-breadcrum\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span><\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-hospital-insurance\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\">Hospital <\/mark><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FEDF01\" class=\"has-inline-color\">insurance<\/mark><\/h1>\n\n\n\n<p class=\"rbc-override-margin p-large\">Hospital insurance can help fill the gap left by your other coverage. If you\u2019re an RBC client, age 18 to age 69, and a Canadian resident<sup><a href=\"#legal-1\" data-dig-id=\"LP-27903-57f350b5\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\">1<\/mark><\/a><\/sup>, your acceptance is guaranteed.<\/p>\n\n\n\n<button class=\"wp-block-rbc-modal-dialog-trigger modalDialogTrigger\" data-modal-dialog-class=\"province-hospital-english\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn before is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" data-dig-id=\"LP-27903-0d606766\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Enrol online\">Enrol online<\/a><\/div>\n<\/div><\/div>\n<\/button>\n\n\n\n<div class=\"wp-block-rbc-postal-code postal-code-form  postal-code\" data-custom-url=\"\"><div class=\"quote-form \"><div class=\"inputCode\"><label>Your postal code<\/label><input class=\"\" type=\"text\" value=\"\" placeholder=\"A1A 1A1\"\/><\/div><div class=\"inputCode\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-secondary secondary is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-27903-016b51af\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-# \">Get a quote<\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"error-msg\"><span class=\"error-msg-span\">Please provide a valid postal code in A1A 1A1 format.<\/span><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center mar-t-dbl mob-mar-t-dbl\" id=\"h-rbc-nbsp-client-protect-yourself-against-the-high-cost-of-hospitalization-and-recovery-1\">RBC&nbsp;client? Protect yourself against the high cost of hospitalization and recovery<sup><a href=\"#legal-1\" data-dig-id=\"LP-27903-0784a72f\" data-dig-label=\"1\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1<\/a><\/sup><\/h2>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout2\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-hospital-insurance\"><span class=\"partial__border-bottom\">Benefits of hospital insurance<\/span><\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Save.svg);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-tax-free-benefit\">Tax-free benefit<\/h4>\n<\/div>\n\n\n\n<p>Use the tax-free cash benefit any way you wish\u2014for example, for a private or semi-private room, in-home care, daycare for your kids and more.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/03\/Medical.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-help-to-fill-coverage-gap\">Help to fill coverage gap<\/h4>\n<\/div>\n\n\n\n<p>Government and employer health plans may pay for only some costs associated with being hospitalized\u2014and less (if any) of your recovery costs.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/check-circle.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-easy-to-qualify\">Easy to qualify<\/h4>\n<\/div>\n\n\n\n<p>Acceptance is guaranteed if you are a customer of any RBC company, between age 18-69 and a Canadian resident. No medical exam is required.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__header\"><h2 class=\"comparisonCards__heading\"><span class=\"partial__border-bottom\">Types of hospital insurance<\/span><\/h2><p class=\"rbc-override-margin\"><\/p><\/div><div class=\"comparisonCards__cards carousel-wpr\" id=\"3aopzf802\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard showEnergyLines enableFullWidth\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\" id=\"h-hospital-insurance-0\">Hospital insurance<\/h5>\n\n\n\n<p class=\"cardTag\">Most popular<\/p>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-royal-recoverassist-basic-coverage\">Royal RecoverAssist &#8211; Basic coverage<\/h4>\n\n\n\n<p>Affordable coverage in case you&#8217;re hospitalized in Canada due to an accident. The Royal RecoverAssist&nbsp;Basic Coverage plan provides a tax-free benefit that you can use any way you wish.<sup><a href=\"#legal-5\" data-dig-id=\"LP-27903-44db3e12\" data-dig-label=\"5\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1<\/a><\/sup>&nbsp;Plus, your first month of coverage is on us!<sup><a href=\"#legal-2\" data-dig-id=\"LP-27903-cffc526c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"3\" class=\"rbc-link-format\">2<\/a><\/sup><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Ideal if you<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Want to fill the gap left by your government or employer-sponsored health plan<\/p>\n\n\n\n<p>Want coverage for accidents only (and not sickness)<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Tax-Free Benefit:&nbsp;Choice of $100, $150 or $200 per day of hospitalization due to an accident<\/p>\n\n\n\n<p>Flexible:&nbsp;Use benefit for anything you want\u2014hospitalization costs, medications, in-home care, transportation, childcare and more<\/p>\n\n\n\n<p>Lump-Sum Payment:&nbsp;Additional tax-free lump-sum payment equal to the total value of your daily benefits during hospitalization<\/p>\n\n\n\n<p>Spousal Coverage:&nbsp;Option to enrol your spouse\/common-law partner<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Who can enrol?<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>A customer of any RBC&nbsp;company<\/p>\n\n\n\n<p>Ages 18-69<\/p>\n\n\n\n<p>A Canadian resident<\/p>\n\n\n\n<p>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.)<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"is-style-default default mob-mar-b-0 mar-b-0 mob-pad-b-0 pad-b-0 has-text-sm-font-size\"><strong>What&#8217;s covered?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title16a4159b\" class=\"collapse-toggle collapsed\" data-target=\"#accordion16a4159b\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-16a4159b\" aria-controls=\"accordion16a4159b\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Covered conditions\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Covered conditions<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion16a4159b\" role=\"region\" aria-labelledby=\"accordion-title16a4159b\"><div class=\"collapse-inner\">\n<p>Provides a tax-free daily benefit to you or your spouse for hospitalization resulting from an&nbsp;<strong>accident<\/strong>. You would also receive a lump-sum payment equal to the total value of your daily benefits during hospitalization.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Maximum length of coverage: 365 days per condition<\/li>\n\n\n\n<li>Maximum possible benefit amount: $146,000<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleaeb4a999\" class=\"collapse-toggle collapsed\" data-target=\"#accordionaeb4a999\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-aeb4a999\" aria-controls=\"accordionaeb4a999\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When We Don't Pay<br&gt;\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When We Don&#8217;t Pay<br><\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionaeb4a999\" role=\"region\" aria-labelledby=\"accordion-titleaeb4a999\"><div class=\"collapse-inner\">\n<p>Basic Coverage does not provide a tax-free benefit for hospitalization due directly or indirectly to any of the following:<sup><a href=\"#legal-3\" data-dig-id=\"LP-27903-29497724\" data-dig-label=\"3\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">3<\/a><\/sup><\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Suicide<\/li>\n\n\n\n<li>War<\/li>\n\n\n\n<li>Intoxication<\/li>\n\n\n\n<li>Drugs\/poison (voluntary ingestion)<\/li>\n\n\n\n<li>Committing or attempting to commit a criminal offence<\/li>\n\n\n\n<li>High-risk activities (scuba diving, skydiving, parachuting, rock or mountain climbing)<\/li>\n\n\n\n<li>Cosmetic surgery (unless it is due to an accidental injury)<\/li>\n\n\n\n<li>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.<\/li>\n<\/ul>\n\n\n\n<p>Basic Coverage also does not provide a tax-free benefit for hospitalization due to sickness. (<a href=\"#h-royal-recoverassist-enhanced-coverage\" data-dig-id=\"LP-27903-a787a8b3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Enhanced Coverage\" class=\"rbc-link-format\">Enhanced Coverage<\/a>&nbsp;provides a tax-free benefit for hospitalization due to sickness or accident.)<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>About your premiums<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Your payments will not increase with age, however it is possible for group rates to change in the future.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard hideCheckMark\"><div class=\"highlightsCard__heading\"><h5><br>Policy documents:<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>The information above is intended as a summary only. <\/p>\n\n\n\n<p><a href=\"https:\/\/www.worldprotect.com\/health-insurance\/samplecertificate\/pdf\/rra-basic-sample.pdf\" data-dig-id=\"LP-27903-1d5f7516\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Certificate of Insurance sample\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\">Certificate of Insurance sample<\/a><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<button class=\"wp-block-rbc-modal-dialog-trigger modalDialogTrigger  is-style-default default\" data-modal-dialog-class=\"province-hospital-english\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" data-dig-id=\"LP-27903-0d606766\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Enrol online\">Enrol online<\/a><\/div>\n<\/div><\/div>\n<\/button>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-card comparisonCard  enableFullWidth\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\" id=\"h-hospital-insurance-1\">Hospital insurance<\/h5>\n\n\n\n<p class=\"cardTag\">Most popular<\/p>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-royal-recoverassist-enhanced-coverage\">Royal RecoverAssist &#8211; Enhanced coverage<\/h4>\n\n\n\n<p>Affordable coverage in case you&#8217;re hospitalized in Canada due to an accident or sickness. The Royal RecoverAssist&nbsp;Enhanced Coverage plan provides a tax-free benefit that you can use any way you wish.<sup><a href=\"#legal-5\" data-dig-id=\"LP-27903-44db3e12\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5\" class=\"rbc-link-format\">5<\/a><\/sup>&nbsp;Plus, your first month of coverage is on us!<sup><a href=\"#legal-3\" data-dig-id=\"LP-27903-cffc526c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"3\" class=\"rbc-link-format\">3<\/a><\/sup><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Ideal if you<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Want to fill the gap left by your government or employer-sponsored health plan<\/p>\n\n\n\n<p>Want coverage for accidents and sickness<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Tax-Free Benefit:&nbsp;Up to $200 per full day of hospitalization due to an accident or sickness (benefit amount depends on your age and whether you smoke)<\/p>\n\n\n\n<p>Flexible:&nbsp;Use benefit for anything you want\u2014hospitalization costs, medications, in-home care, transportation, childcare and more<\/p>\n\n\n\n<p>Spousal Coverage:&nbsp;Option to enrol your spouse\/common-law partner<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Who can enrol?<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>A customer of any RBC&nbsp;company<\/p>\n\n\n\n<p>Ages 18-69<\/p>\n\n\n\n<p>A Canadian resident<\/p>\n\n\n\n<p>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.)<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"is-style-default default mob-mar-b-0 mar-b-0 mob-pad-b-0 pad-b-0 has-text-sm-font-size\"><strong>What&#8217;s covered?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlefd45fd11\" class=\"collapse-toggle collapsed\" data-target=\"#accordionfd45fd11\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-fd45fd11\" aria-controls=\"accordionfd45fd11\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Covered conditions\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Covered conditions<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionfd45fd11\" role=\"region\" aria-labelledby=\"accordion-titlefd45fd11\"><div class=\"collapse-inner\">\n<p>Provides a tax-free daily benefit to you or your spouse for hospitalization resulting from an&nbsp;<strong>accident<\/strong>&nbsp;or&nbsp;<strong>sickness<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Maximum length of coverage: 365 days per condition<\/li>\n\n\n\n<li>Maximum possible benefit amount: $73,000<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title51326632\" class=\"collapse-toggle collapsed\" data-target=\"#accordion51326632\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-51326632\" aria-controls=\"accordion51326632\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Elimination period\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Elimination period<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion51326632\" role=\"region\" aria-labelledby=\"accordion-title51326632\"><div class=\"collapse-inner\">\n<p>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.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlee4706618\" class=\"collapse-toggle collapsed\" data-target=\"#accordione4706618\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-e4706618\" aria-controls=\"accordione4706618\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When we don't pay<br&gt;\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When we don&#8217;t pay<br><\/div><\/button><div class=\"collapse-content collapse\" id=\"accordione4706618\" role=\"region\" aria-labelledby=\"accordion-titlee4706618\"><div class=\"collapse-inner\">\n<p>Enhanced Coverage does not provide a tax-free benefit for hospitalization due directly or indirectly to any of the following:<sup><a href=\"#legal-4\" data-dig-id=\"LP-27903-0886ab05\" data-dig-label=\"4\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">4<\/a><\/sup><\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Suicide<\/li>\n\n\n\n<li>War<\/li>\n\n\n\n<li>Intoxication<\/li>\n\n\n\n<li>Drugs\/poison (voluntary ingestion)<\/li>\n\n\n\n<li>Committing or attempting to commit a criminal offence<\/li>\n\n\n\n<li>High-risk activities (scuba diving, skydiving, parachuting, rock or mountain climbing)<\/li>\n\n\n\n<li>Cosmetic surgery (unless it is due to an accidental injury)<\/li>\n\n\n\n<li>Pre-Existing Condition or Sickness \u2013 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.&nbsp;<strong>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.<\/strong><\/li>\n\n\n\n<li>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.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>About your premiums<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>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\u2019ll get the best premium when you\u2019re in a younger age range.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard hideCheckMark\"><div class=\"highlightsCard__heading\"><h5><br>Policy documents:<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>The information above is intended as a summary only. <\/p>\n\n\n\n<p><a href=\"https:\/\/www.worldprotect.com\/health-insurance\/samplecertificate\/pdf\/rra-enhanced-sample.pdf\" data-dig-id=\"LP-27903-91c4c8df\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Certificate of Insurance sample\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\">Certificate of Insurance sample<\/a><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<button class=\"wp-block-rbc-modal-dialog-trigger modalDialogTrigger  is-style-default default\" data-modal-dialog-class=\"province-hospital-english\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" data-dig-id=\"LP-27903-0d606766\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Enrol online\">Enrol online<\/a><\/div>\n<\/div><\/div>\n<\/button>\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_3aopzf802\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq-wrapper faqWrapper  menuItems__dropdown\"><div class=\"faqWrapper__header\"><h2><span class=\"partial__border-bottom\">Frequently asked questions<\/span><\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Applying for coverage\">\n\t\t\t\t\tApplying for coverage\t\t\t\t<\/span>\n\t\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t\t<\/button>\n\t\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tApplying for coverage\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tEligibility\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tCoverage details\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"3\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tPremiums\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<div class=\"faqWrapper__menuItems\"><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Applying for coverage<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Eligibility<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Coverage details<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Premiums<\/div><\/div><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Applying for coverage<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlebd1357db\" class=\"collapse-toggle collapsed\" data-target=\"#accordionbd1357db\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-bd1357db\" aria-controls=\"accordionbd1357db\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I enrol for Royal RecoverAssist coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I enrol for Royal RecoverAssist coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionbd1357db\" role=\"region\" aria-labelledby=\"accordion-titlebd1357db\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><a href=\"https:\/\/online.worldprotect.com\/cgi-bin\/hospital-insurance\/en\/index.cgi\" data-dig-id=\"LP-27903-7ecb5bfb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Enrol Online\" class=\"rbc-link-format\">Enrol Online<\/a><\/li>\n\n\n\n<li>Call&nbsp;1-888-659-0199, or from Qu\u00e9bec&nbsp;1-888-659-0099.<\/li>\n<\/ul>\n\n\n\n<p>This plan is not available through RBC Royal Bank branches.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title0531a06c\" class=\"collapse-toggle collapsed\" data-target=\"#accordion0531a06c\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-0531a06c\" aria-controls=\"accordion0531a06c\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Are medical questions or exams required to enrol for Royal RecoverAssist coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Are medical questions or exams required to enrol for Royal RecoverAssist coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion0531a06c\" role=\"region\" aria-labelledby=\"accordion-title0531a06c\"><div class=\"collapse-inner\">\n<p>There are no medical questions or exams to take. If you are eligible to enrol, you&#8217;re guaranteed to be accepted.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Eligibility<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title3c236eb2\" class=\"collapse-toggle collapsed\" data-target=\"#accordion3c236eb2\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-3c236eb2\" aria-controls=\"accordion3c236eb2\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Who is eligible for Royal RecoverAssist coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Who is eligible for Royal RecoverAssist coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion3c236eb2\" role=\"region\" aria-labelledby=\"accordion-title3c236eb2\"><div class=\"collapse-inner\">\n<p>You may enrol for coverage if you are:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>A current customer of any RBC&nbsp;company, and<\/li>\n\n\n\n<li>Between the ages of 18 and 69, and<\/li>\n\n\n\n<li>A Canadian resident<\/li>\n<\/ul>\n\n\n\n<p>You may also enrol your spouse\/partner if he or she is between age 18 and 74. (If you&#8217;ve been living with your partner for at least one year, he or she can enrol for coverage under your plan.)<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Coverage details<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title742ec8a7\" class=\"collapse-toggle collapsed\" data-target=\"#accordion742ec8a7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-742ec8a7\" aria-controls=\"accordion742ec8a7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is the difference between Basic and Enhanced Royal RecoverAssist Coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is the difference between Basic and Enhanced Royal RecoverAssist Coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion742ec8a7\" role=\"region\" aria-labelledby=\"accordion-title742ec8a7\"><div class=\"collapse-inner\">\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-basic-tables basicTables\">\n<div class=\"wp-block-rbc-basic-table basicTable hasFixedColumn\"><div class=\"basicTable__sliderNav\" role=\"navigation\" aria-label=\"Table navigation\"><div class=\"basicTable__navArrow basicTable__prevArrow\" aria-label=\"Previous\"><\/div><div class=\"basicTable__sliderDots\" role=\"tablist\" aria-label=\"Table pagination\"><\/div><div class=\"basicTable__navArrow basicTable__nextArrow\" aria-label=\"Next\"><\/div><\/div><table class=\"basicTable__table\" role=\"table\" aria-label=\"Comparison table\">\n<thead class=\"wp-block-rbc-basic-table-head basicTableHead\" role=\"rowgroup\" aria-label=\"Table head\">\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<h4 class=\"wp-block-heading\" id=\"h-details\">Details<\/h4>\n<\/th>\n\n\n\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<h4 class=\"wp-block-heading has-text-align-left\" id=\"h-basic\">Basic<\/h4>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-left\" id=\"h-coverage\">coverage<\/h4>\n<\/th>\n\n\n\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<h4 class=\"wp-block-heading\" id=\"h-enhanced-coverage\">Enhanced coverage<\/h4>\n<\/th>\n<\/tr>\n<\/thead>\n\n\n\n<tbody class=\"wp-block-rbc-basic-table-body basicTableBody\" role=\"rowgroup\" aria-label=\"Table body\">\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Coverage for<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Hospitalization for&nbsp;<strong>accidents only<\/strong><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Hospitalization for&nbsp;<strong>accidents or sickness<\/strong><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Daily benefit*<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Up to $200 per day<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Up to $200 per day<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Lump-sum benefit<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Yes, equal to the total value of your daily benefits while you are hospitalized<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>None<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Maximum benefit amount<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$146,000<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$73,000<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<\/div>\n\n\n\n<p><strong>*Note:<\/strong>&nbsp;A daily benefit will 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.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlec3b91daf\" class=\"collapse-toggle collapsed\" data-target=\"#accordionc3b91daf\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-c3b91daf\" aria-controls=\"accordionc3b91daf\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How can I use the tax-free cash hospital benefit?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How can I use the tax-free cash hospital benefit?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionc3b91daf\" role=\"region\" aria-labelledby=\"accordion-titlec3b91daf\"><div class=\"collapse-inner\">\n<p>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.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title7e6e385a\" class=\"collapse-toggle collapsed\" data-target=\"#accordion7e6e385a\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-7e6e385a\" aria-controls=\"accordion7e6e385a\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is the maximum hospital benefit amount?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is the maximum hospital benefit amount?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion7e6e385a\" role=\"region\" aria-labelledby=\"accordion-title7e6e385a\"><div class=\"collapse-inner\">\n<p>Your benefit amount will depend on several factors:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>The coverage you purchased (Basic or Enhanced)<\/li>\n\n\n\n<li>Your age when you enrolled (Enhanced Coverage)<\/li>\n\n\n\n<li>Your smoking status (Enhanced Coverage)<\/li>\n\n\n\n<li>The length of your hospital stay (up to 365 days per condition)<\/li>\n<\/ul>\n\n\n\n<p>The maximum possible Basic Coverage benefit amount is $146,000. The maximum possible Enhanced Coverage benefit amount is $73,000.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title055d6f7e\" class=\"collapse-toggle collapsed\" data-target=\"#accordion055d6f7e\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-055d6f7e\" aria-controls=\"accordion055d6f7e\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I smoke. Will this affect my hospital benefit payment?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I smoke. Will this affect my hospital benefit payment?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion055d6f7e\" role=\"region\" aria-labelledby=\"accordion-title055d6f7e\"><div class=\"collapse-inner\">\n<p>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&#8217;ve quit smoking, you&#8217;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.)<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlee41ccde6\" class=\"collapse-toggle collapsed\" data-target=\"#accordione41ccde6\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-e41ccde6\" aria-controls=\"accordione41ccde6\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How long can I receive my hospital benefits?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How long can I receive my hospital benefits?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordione41ccde6\" role=\"region\" aria-labelledby=\"accordion-titlee41ccde6\"><div class=\"collapse-inner\">\n<p>You can receive benefits for a hospital stay of up to 365 days.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlea32589a6\" class=\"collapse-toggle collapsed\" data-target=\"#accordiona32589a6\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-a32589a6\" aria-controls=\"accordiona32589a6\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What happens to my hospital benefits if I die while hospitalized?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What happens to my hospital benefits if I die while hospitalized?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiona32589a6\" role=\"region\" aria-labelledby=\"accordion-titlea32589a6\"><div class=\"collapse-inner\">\n<p>In the event of death, your estate will receive the coverage benefits.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlee2343af0\" class=\"collapse-toggle collapsed\" data-target=\"#accordione2343af0\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-e2343af0\" aria-controls=\"accordione2343af0\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When does Royal RecoverAssist coverage start and end?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When does Royal RecoverAssist coverage start and end?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordione2343af0\" role=\"region\" aria-labelledby=\"accordion-titlee2343af0\"><div class=\"collapse-inner\">\n<p>After we process your enrolment form, you will receive a Certificate of Insurance. You will find your coverage effective date on this certificate.<\/p>\n\n\n\n<p>Your Royal RecoverAssist coverage ends on the earliest of the following dates:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>The 31st day after a premium is not paid;<\/li>\n\n\n\n<li>The date you are no longer a Canadian resident;<\/li>\n\n\n\n<li>The effective date of coverage following your 75th birthday;<\/li>\n\n\n\n<li>The date we stop offering it because the group policy providing this coverage has been cancelled;<\/li>\n\n\n\n<li>The date you notify us by telephone or in writing that you want to terminate coverage.In this case, termination will be effective on the day before your next premium due date; or<\/li>\n\n\n\n<li>The date you die.<\/li>\n<\/ul>\n\n\n\n<p><strong>Note:<\/strong>&nbsp;When your coverage ends, coverage for your spouse also ends.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title155dcf6a\" class=\"collapse-toggle collapsed\" data-target=\"#accordion155dcf6a\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-155dcf6a\" aria-controls=\"accordion155dcf6a\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I cancel my Royal RecoverAssist coverage at any time?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I cancel my Royal RecoverAssist coverage at any time?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion155dcf6a\" role=\"region\" aria-labelledby=\"accordion-title155dcf6a\"><div class=\"collapse-inner\">\n<p><span style=\"color: rgb(37, 37, 37); font-family: Roboto; font-size: 18px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 300; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: normal; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; display: inline !important; float: none;\">Yes, you can cancel at any time by calling us at<span>&nbsp;<\/span><\/span><span class=\"tel-number no-wrap\" style=\"box-sizing: border-box; white-space: nowrap; color: rgb(37, 37, 37); font-family: Roboto; font-size: 18px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 300; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\">1-888-659-0199<\/span><span style=\"color: rgb(37, 37, 37); font-family: Roboto; font-size: 18px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 300; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: normal; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; display: inline !important; float: none;\">.<\/span><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titled8019a1f\" class=\"collapse-toggle collapsed\" data-target=\"#accordiond8019a1f\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-d8019a1f\" aria-controls=\"accordiond8019a1f\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Who is the underwriter and insurer for the Royal RecoverAssist plan?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Who is the underwriter and insurer for the Royal RecoverAssist plan?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiond8019a1f\" role=\"region\" aria-labelledby=\"accordion-titled8019a1f\"><div class=\"collapse-inner\">\n<p>RBC Life Insurance Company is the underwriter and insurer. Royal RecoverAssist is a group policy issued to the Royal Bank of Canada.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Premiums<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title33138498\" class=\"collapse-toggle collapsed\" data-target=\"#accordion33138498\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-27903-33138498\" aria-controls=\"accordion33138498\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will Royal RecoverAssist premium payments ever increase due to my age?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will Royal RecoverAssist premium payments ever increase due to my age?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion33138498\" role=\"region\" aria-labelledby=\"accordion-title33138498\"><div class=\"collapse-inner\">\n<p>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&#8217;ll get the best premium when you&#8217;re in a younger age range.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-enrol-now-it-s-quick-and-easy\">Enrol now\u2014it&#8217;s quick and easy<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">If you&#8217;re an RBC client, age 18 to age 69, and a Canadian resident, your acceptance is guaranteed.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<button class=\"wp-block-rbc-modal-dialog-trigger modalDialogTrigger\" data-modal-dialog-class=\"province-hospital-english\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" data-dig-id=\"LP-27903-0d606766\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Enrol online\">Enrol online<\/a><\/div>\n<\/div><\/div>\n<\/button>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Need help now? Call <a href=\"tel:18886590199\" data-dig-id=\"LP-27903-5c11d484\" data-dig-label=\"1-888-659-0199\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1-888-659-0199<\/a> <\/p>\n\n\n\n<p>From Qu\u00e9bec:&nbsp;<a href=\"tel:18886590099\" data-dig-id=\"LP-27903-a5ff483c\" data-dig-label=\"1-888-659-0099\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1-888-659-0099<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"697\" height=\"540\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/injury-illness-CTA.webp?quality=80&amp;w=697\" alt=\"image of a young couple laughing in front of their home while holding their young child\" class=\"wp-image-19150\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/injury-illness-CTA.webp 697w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/injury-illness-CTA.webp?resize=300,232 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/injury-illness-CTA.webp?resize=420,325 420w\" sizes=\"auto, (max-width: 697px) 100vw, 697px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-27903-86e68b1e\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup><\/sup><\/div><div class=\"table-cell\">\n<p>RBC Life Insurance Company is the underwriter and insurer. Royal RecoverAssist is a group policy issued to the Royal Bank of Canada.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p>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.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-2\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>2<\/sup><\/div><div class=\"table-cell\">\n<p>The first month of coverage is provided by RBC Royal Bank at no cost to you.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-3\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>3<\/sup><\/div><div class=\"table-cell\">\n<p>Complete information on exclusions is contained in the Certificate of Insurance. This information is intended as a summary only. Please see a&nbsp;<a href=\"https:\/\/www.worldprotect.com\/health-insurance\/_assets-custom\/popups\/sample-health-certificates.html\" data-dig-id=\"LP-27903-9a0b0943\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"sample Certificate of Insuranc\" class=\"rbc-link-format\">sample Certificate of Insuranc<\/a><a href=\"https:\/\/www.worldprotect.com\/health-insurance\/_assets-custom\/popups\/sample-health-certificates.html\" target=\"_blank\" rel=\"noreferrer noopener\">e<\/a>&nbsp;for complete details on terms and conditions, including benefits and exclusions.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-4\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>4<\/sup><\/div><div class=\"table-cell\">\n<p>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.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-5\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>5<\/sup><\/div><div class=\"table-cell\">\n<p>Acceptance is guaranteed if you meet the following conditions: You are a current customer of any RBC&nbsp;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.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<div class=\"wp-block-rbc-modal-dialog modalDialog province-hospital-english\">\n<button class=\"wp-block-rbc-html-element modalDialog__trigger body-content-editor hide\">\n<p>Province selection modal<\/p>\n<\/button>\n\n\n\n<div id=\"modalDialog__container--id\" class=\"wp-block-group modalDialog__container hide align-center is-layout-flow wp-block-group-is-layout-flow\">\n<dialog open aria-modal=\"true\" aria-labelledby=\"modalDialog__accessibility--label--id\" aria-describedby=\"modalDialog__accessibility--describedby--id\" id=\"modalDialog__content--id\" class=\"wp-block-rbc-html-element modalDialog__content modal-status-no-status modal-layout-fixed modal-mobile-layout-fullscreen\">\n<button aria-label=\"Close dialog\" class=\"wp-block-rbc-html-element modalDialog__dismissIcon\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/ui\/ui-dismissible-blue.svg\" alt=\"Dismiss Icon\" class=\"wp-block-rbc-html-element\"\/>\n<\/button>\n\n\n\n<div class=\"wp-block-group modalDialog__header is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group modalDialog__headerWrapper is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-rbc-icon-block modalDialog__icon hide\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-20\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/ui\/ui-tooltip-blue.svg\" alt=\"ui\/ui-tooltip-blue\"\/><\/div>\n\n\n\n<h4 class=\"wp-block-heading modalDialog__heading mar-b-0 mob-mar-b-0\" id=\"modalDialog__heading--id\">Province of residence<\/h4>\n<\/div>\n\n\n\n<p class=\"modalDialog__subheading hide\">Modal Dialog Subheading<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group modalDialog__body is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group modalDialog__body--content body-content-editor is-layout-flow wp-block-group-is-layout-flow\" style=\"min-height:100px\">\n<p><\/p>\n\n\n\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default wp-block-rbc-select-control selectDropdown__floating selectDropdown__provinces\" \t\t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Select your province\">\n\t\t\t\t\tSelect your province\t\t\t\t<\/span>\n\t\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t\t<\/button>\n\t\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"AB\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"https:\/\/online.worldprotect.com\/cgi-bin\/hospital-insurance\/en\/index.cgi?locP=ST\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tAlberta\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"BC\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"https:\/\/online.worldprotect.com\/cgi-bin\/hospital-insurance\/en\/index.cgi?locP=TU\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tBritish Columbia\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"MB\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"https:\/\/online.worldprotect.com\/cgi-bin\/hospital-insurance\/en\/index.cgi?locP=ET\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tManitoba\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"NB\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"https:\/\/online.worldprotect.com\/cgi-bin\/hospital-insurance\/en\/index.cgi?locP=FT\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tNew Brunswick\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"NL\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"https:\/\/online.worldprotect.com\/cgi-bin\/hospital-insurance\/en\/index.cgi?locP=FD\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tNewfoundland and Labrador\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"NT\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"https:\/\/online.worldprotect.com\/cgi-bin\/hospital-insurance\/en\/index.cgi?locP=FL\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tNorthwest Territories\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"NS\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"https:\/\/online.worldprotect.com\/cgi-bin\/hospital-insurance\/en\/index.cgi?locP=FK\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tNova Scotia\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"NU\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"https:\/\/online.worldprotect.com\/cgi-bin\/hospital-insurance\/en\/index.cgi?locP=FM\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tNunavut\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"ON\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"https:\/\/online.worldprotect.com\/cgi-bin\/hospital-insurance\/en\/index.cgi?locP=GF\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tOntario\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"PE\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"https:\/\/online.worldprotect.com\/cgi-bin\/hospital-insurance\/en\/index.cgi?locP=HW\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tPrince Edward Island\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"QC\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"hospital-quebec-modal\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tQuebec\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"SK\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"https:\/\/online.worldprotect.com\/cgi-bin\/hospital-insurance\/en\/index.cgi?locP=KC\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tSaskatchewan\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"YT\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"https:\/\/online.worldprotect.com\/cgi-bin\/hospital-insurance\/en\/index.cgi?locP=QL\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tYukon\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group modalDialog__actions is-layout-flow wp-block-group-is-layout-flow\">\n<button class=\"wp-block-rbc-html-element modalDialog__buttonTertiaryWrapper hidden\">\n<p class=\"modalDialog__buttonTertiary hide\">Button Label<\/p>\n<\/button>\n\n\n\n<div class=\"wp-block-buttons modalDialog__buttonsGroup is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button modalDialog__buttonSecondary btn is-style-tertiary tertiary hide\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-27903-fecd15b8\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Button Label-# \">Button Label<\/a><\/div>\n\n\n\n<div class=\"wp-block-button modalDialog__buttonPrimary btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-27903-57c62fee\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Continue-# \">Continue<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<button aria-label=\"Close dialog\" class=\"wp-block-rbc-html-element modalDialog__dismissIcon--focusOff hide\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/ui\/ui-dismissible-blue.svg\" alt=\"Dismiss Icon\" class=\"wp-block-rbc-html-element\"\/>\n<\/button>\n\n\n\n<div class=\"wp-block-group modalDialog__accessibility hide is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"modalDialog__accessibility--label hide\" id=\"modalDialog__accessibility--label--id\">Province of residence<\/p>\n\n\n\n<p class=\"modalDialog__accessibility--describedby hide\" id=\"modalDialog__accessibility--describedby--id\">Select your province of residence<\/p>\n<\/div>\n<\/dialog>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-modal-dialog modalDialog hospital-quebec-modal\">\n<button class=\"wp-block-rbc-html-element modalDialog__trigger body-content-editor hide\">\n<p>Hospital Quebec modal<\/p>\n<\/button>\n\n\n\n<div id=\"modalDialog__container--id\" class=\"wp-block-group modalDialog__container hide align-center is-layout-flow wp-block-group-is-layout-flow\">\n<dialog open aria-modal=\"true\" aria-labelledby=\"modalDialog__accessibility--label--id\" aria-describedby=\"modalDialog__accessibility--describedby--id\" id=\"modalDialog__content--id\" class=\"wp-block-rbc-html-element modalDialog__content modal-status-error modal-layout-fixed modal-mobile-layout-fullscreen\">\n<button aria-label=\"Close dialog\" class=\"wp-block-rbc-html-element modalDialog__dismissIcon\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/ui\/ui-dismissible-blue.svg\" alt=\"Dismiss Icon\" class=\"wp-block-rbc-html-element\"\/>\n<\/button>\n\n\n\n<div class=\"wp-block-group modalDialog__header is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group modalDialog__headerWrapper is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-rbc-icon-block modalDialog__icon\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" class=\"icon icon-20\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/\/assets\/img\/ui\/icon-error.svg\" alt=\"ui\/icon-error\"\/><\/div>\n\n\n\n<h4 class=\"wp-block-heading modalDialog__heading mar-b-0 mob-mar-b-0\" id=\"modalDialog__heading--id\">Online purchase eligibility<\/h4>\n<\/div>\n\n\n\n<p class=\"modalDialog__subheading hide\">Modal Dialog Subheading<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group modalDialog__body is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"modalDialog__body--paragraph\" id=\"modalDialog__body--paragraph--id\">This product is not available for online purchase in Quebec. Please contact us at<br>1-888-659-0099 and one of our advisors will be happy to assist you.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group modalDialog__actions hide is-layout-flow wp-block-group-is-layout-flow\">\n<button class=\"wp-block-rbc-html-element modalDialog__buttonTertiaryWrapper\">\n<p class=\"modalDialog__buttonTertiary hide\">Button Label<\/p>\n<\/button>\n\n\n\n<div class=\"wp-block-buttons modalDialog__buttonsGroup is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button modalDialog__buttonSecondary btn is-style-tertiary tertiary hide\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-27903-54099753\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Button Label-# \">Button Label<\/a><\/div>\n\n\n\n<div class=\"wp-block-button modalDialog__buttonPrimary btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-27903-bb615889\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Button Label-# \">Button Label<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<button aria-label=\"Close dialog\" class=\"wp-block-rbc-html-element modalDialog__dismissIcon--focusOff hide\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/ui\/ui-dismissible-blue.svg\" alt=\"Dismiss Icon\" class=\"wp-block-rbc-html-element\"\/>\n<\/button>\n\n\n\n<div class=\"wp-block-group modalDialog__accessibility hide is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"modalDialog__accessibility--label hide\" id=\"modalDialog__accessibility--label--id\">Online purchase eligibility<\/p>\n\n\n\n<p class=\"modalDialog__accessibility--describedby hide\" id=\"modalDialog__accessibility--describedby--id\">This product is not available for online purchase in Quebec.<\/p>\n<\/div>\n<\/dialog>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>RBC&nbsp;client? Protect yourself against the high cost of hospitalization and recovery1<\/p>\n","protected":false},"author":203,"featured_media":0,"parent":15214,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-27903","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Hospital Insurance | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Hospital insurance can help fill the gap left by your other coverage. 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