Royal RecoverAssist^® Enhanced Coverage

You are on: Benefits

If you are hospitalized because of an accident or illness⁽¹⁾, our affordable Royal RecoverAssist Enhanced 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 (Your benefit amount depends on your age and whether you are a smoker or non-smoker—see Premiums for details.)

For example, if you are hospitalized for five days, you could receive up to $200 per day for a total of $1,000, tax-free. The maximum possible Enhanced Coverage benefit amount is $73,000.

For more information:

• Hospital Insurance FAQs

You are on: Eligibility

Eligibility Requirements

You are eligible to enrol for Royal RecoverAssist Enhanced 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 Enhanced Coverage will provide a tax-free benefit to you or your spouse for hospitalization resulting from an accident or illness.

• The maximum length of coverage is 365 days per condition.
• The maximum possible benefit amount is $73,000.
• There is an elimination period of 3 days before benefits are paid if you are hospitalized as a result of illness. This means that if you are hospitalized as a result of illness for 3 days or less, no benefit will be paid.

Summary of Exclusions*

Enhanced 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)
• Pre-existing conditions: Any illness for which you visited or consulted a doctor, had tests done or received treatment during the 12 months prior to your coverage effective date. Any pre-existing condition will be covered after you have been free of treatment for that condition for 12 consecutive months.
• Mental or nervous disorder
• Normal pregnancy or childbirth

*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.

Your benefit amount depends on your age and whether you are a smoker or non-smoker. To locate your benefit options, click on your age range below and locate the benefit amount you would receive based on your status as a smoker or non-smoker.

Click on your age range at the time of your planned enrolment:

Age 18-44

Age 45-54

Age 55-70