Hospitalization Insurance
Hospitalization insurance provides coverage for hospital stays, including room and board, medical services, and related expenses. This insurance helps cover costs that may not be fully covered by provincial health plans, providing financial protection during hospitalizations.
Who It's For
- Individuals wanting additional hospital coverage
- Those concerned about hospital-related expenses
- People without comprehensive health insurance
- Families seeking hospitalization protection
- Self-employed individuals without group benefits
What It Covers
- Hospital room and board
- Intensive care unit (ICU) expenses
- Surgery and surgical services
- Physician fees during hospitalization
- Diagnostic tests and lab work
- Prescription medications in hospital
- Medical equipment and supplies
- Rehabilitation services (varies by policy)
Key Benefits
- Daily or lump-sum benefit options
- Coverage for extended hospital stays
- Supplement to provincial health coverage
- Flexible benefit amounts
- Family coverage options
- Affordable premiums
- No deductibles (for some policies)
- Fast claims processing
Common Questions & Answers
Doesn't provincial health insurance cover hospitalization?
Provincial health insurance covers basic hospital stays, but may not cover private or semi-private rooms, certain medications, or all services. Hospitalization insurance can provide additional coverage for these expenses and give you more choice in your care.
Is hospitalization insurance expensive?
Premiums vary based on coverage amount, age, and health. Many people find hospitalization insurance quite affordable, especially when considering the high cost of extended hospital stays or private room upgrades.
What if I'm hospitalized outside my home province?
Most hospitalization insurance policies provide coverage across Canada. If you travel internationally, you'd need separate travel insurance. Our agents can explain coverage areas and help you choose appropriate protection.
Ready to Get Started?
Connect with a licensed insurance agent who can help you find the right coverage at the best price.