Royal RecoverAssist^® Basic Coverage

You are on: Benefits

If you are hospitalized because of an accident, our affordable Royal RecoverAssist Basic Coverage plan provides you with a tax-free benefit that you can use any way you wish.

Your benefits would include:

• Coverage for your spouse/common-law partner, if purchased in addition to your coverage
• Up to $200 a day for each day of hospitalization, to a maximum of 365 days per condition (See Premiums for details.)
• A lump-sum payment equal to the total value of your daily benefits during hospitalization

For example, if you are hospitalized for five 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. The maximum possible Basic Coverage benefit amount is $146,000.

For more information:

• Hospital Insurance FAQs

You are on: Eligibility

Eligibility Requirements

You are eligible to enrol for Royal RecoverAssist Basic Coverage 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.

If you are not married, but have been living with your partner for at least one year, he or she can enrol for coverage under your plan.

Ending Your Coverage

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.

For more information:

• Hospital Insurance FAQs

You are on: What's Covered

Covered Conditions

Royal RecoverAssist Basic Coverage will provide a tax-free benefit to you or your spouse for hospitalization resulting from an accident.

• The maximum length of coverage is 365 days per condition.
• The maximum possible benefit amount is $146,000.

Summary of Exclusions*

Basic Coverage does not provide a tax-free benefit for hospitalization due to any of the following:

• Suicide
• War
• Intoxication
• Drugs/poison (voluntary ingestion)
• Drug or alcohol addiction
• Criminal offence
• High-risk activities (scuba diving, skydiving, parachuting, rock or mountain climbing)
• Cosmetic surgery (unless it is due to an accidental injury)

Basic Coverage also does not provide a tax-free benefit for hospitalization due to illness. (Enhanced Coverage provides a tax-free benefit for hospitalization due to illness or accident.)

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

For more information:

• Hospital Insurance FAQs

You are on: Premiums

Daily Benefit Amounts and Premiums

Your daily benefit amount is the tax-free amount you would receive for each day of hospitalization, to a maximum of 365 days per condition. You would also receive a lump-sum payment equal to the total value of your daily benefits during hospitalization.

The premiums for Basic Coverage are as follows:

Insuring Yourself

Insuring Yourself and Your Spouse