Hospitalization
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The right coverage
when it counts 

A hospital stay comes with enough surprises. But bills piling up at home shouldn't be one of them.  On top of whatever coverage you already have, Combined Hospitalization Insurance helps cover those things that Provincial health coverage doesn't, right when it counts. 

3.05M acute inpatient hospitalizations in Canada last year.1
1 in 4 Canadian employees don't know what their benefits actually cover.2

The moment someone is admitted to the hospital, all the costs that provincial health insurance doesn't cover start adding up.

Parking. Meals from the cafeteria. A spouse driving back and forth every day. Childcare while a parent is in a hospital bed. The mortgage. Combined Hospitalization Insurance can be used to help cover bills like these, with daily cash up to $400 paid directly to you, for every day you're confined in a hospital.

Not sure what coverage you need?
Our agents are here to walk you through your options and help you find the coverage that makes sense for how you actually live.
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Coverage the Morneau's could count on 

JOSEPH'S STORY*

When Joseph's wife was hospitalized after a car accident, he assumed their coverage would handle everything. But it only covered the medical care. It didn't cover three weeks of parking fees. Meals at the hospital. Their daughter staying with his mother-in-law an hour away. Gas back and forth every day. A mortgage payment that came due the same week his wife's income stopped.  Because Joseph had Combined Hospitalization Insurance, the family received daily cash benefits throughout his wife's stay. Money for unexpected expenses that showed up the moment she was admitted. 

Joseph's wife is home now. And he was able to take care of her and their children the whole way through. 

Hospitalization coverage built around how families actually live

Combined Hospitalization Insurance pays daily cash benefits directly to you during a covered hospital stay. Up to $400 a day, for as long as you need it. That's money you can put toward whatever matters most, because you know better than anyone where it needs to go. 

Daily cash benefits up to $400 per day, paid directly to you. 
Accident and sickness hospitalization coverage in one place.
Individual or family coverage, so everyone under your roof is covered.
Benefits on top of provincial health insurance and any existing group coverage. 

Don't wait until it's too late 

Most people believe they're covered for things they aren't, until a hospital stay shows them otherwise. But the gap between what provincial health insurance pays and what a family actually needs is real, and it can add up fast. Combined Hospitalization Insurance helps fill that gap with daily cash, paid directly to you, right when it counts. 

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Exclusions and limitations may apply. See policy for complete details for policy features, benefits, definitions, and limitations and exclusions. 
*The claim scenarios described here are hypothetical and are intended to show the types of situations that may result in claims. These scenarios are not based on actual claims and should not be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms and conditions of the policy as issued and applicable law.

Sources:

1. Canadian Institute for Health Information (CIHI), Hospital Stays in Canada, 2023–2024.  https://www.cihi.ca/en/hospital-stays-in-canada-2023-20242. Ipsos for RBC Insurance, Working Canadians Survey, July 2024 (n=1,000, ±3.8%). https://www.ipsos.com/en-ca/survey-reveals-significant-coverage-knowledge-and-engagement-gaps-canadian-benefits