Health Insurance Benefits
Hospital
What this benefit typically includes in extended health insurance plans in Canada - and what to look for when comparing coverage.
Hospital benefits help cover the costs of services and accommodations in hospitals, beyond what provincial health care covers. Typically, this includes:
- Semi-private orprivate room coverage, depending on the plan.
- Accommodation upgrades when admitted to a hospital (standard provincial coverage may only cover a ward room).
- Coverage for inpatient supplies and services not covered by provincial health plans, such as certain medical devices or treatments.
- Extended hospital stay coverage for rehabilitation or recovery following surgery or serious illness.
- Some plans may cover specialized care facilities in certain situations, though limits or conditions may apply.