RecoverEaseSM Benefits – up to $2,400 in cash for each accident or illness
After a hospital stay of three days or more, the plan pays you a cash benefit of $400 a month, for up to six months.
Benefits begin immediately after your release from hospital and continue as long as you remain confined indoors recovering at home on the advice of a physician.
If you have had outpatient surgery, the plan pays you a cash benefit of $100 a week for up to eight weeks.
Benefits begin immediately after your release from hospital and continue as long as you remain confined indoors recuperating at home on the advice of a physician.
The plan will allow you to visit your physician’s office, attend appointments for treatment, or engage in limited outdoor activity. So long as it’s for therapeutic purposes and will promote your recovery.
Home nursing and home care benefit – up to $3,000 for each accident or illness
The plan covers 100% of the reasonable and necessary costs for home care and nursing services when recommended by a physician and provided by a VON nurse, Red Cross homemaker, practical nurse or home service worker who is a non-registered person with formal training in providing home care to the sick and who is not a family member.
Transportation benefit – up to $750
The plan pays up to $750 for each accident or illness for the cost of transportation by ambulance to and/or from a hospital for outpatient surgery or hospitalization.
The plan pays up to $300 for transportation costs (other than ambulance) to and/or from a hospital or physician’s office for treatment of an injury or sickness which has been preceded by a hospital stay or outpatient surgery.
Benefits include the reasonable and necessary expenses incurred during your period of treatment such as the cost of daily parking and travel by taxi, a ride share service, scheduled bus, train, air or by private passenger automobile ($0.50/km limit). Benefits will only be paid while you are under the regular care of a physician.
Transportation of a family member while you are in hospital
When you are hospitalized in a location that is more than 150 km from your home, the plan pays up to $300 for the cost of travel by taxi, a ride share service, scheduled bus, train, air or by private passenger automobile ($0.50/km limit) for an immediate family member (legal or common-law spouse, parent, grandparent, child over 18, brother or sister) to visit you.
Fracture benefit – up to $2,500 for each accident
You do not have to be hospitalized to receive this benefit. The plan pays a lump sum cash benefit if you sustain an injury which results in a bone fracture. If you fracture more than one bone in a single accident, you will be paid for the most severe fracture.
Here are some examples of the amount you will be paid for a fracture*:
- Skull: $2,500
- Hip, wrist or ankle: $1,000
- Collarbone: $625
- Nose: $300
* Additional fractures are listed in the plan’s summary of insurance, which is issued upon enrollment.
Hospital cash – up to $600 for each accident or illness
While you’re recovering in hospital, the plan pays you up to $30 per day for the cost of non-medical comfort items such as a TV, snacks or reading materials.
Physician validation expense benefit – up to $50 per accident or illness
If a physician must validate or complete a claim form as the result of a covered accident or illness, the plan will pay up to $50 toward this cost.
Physiotherapy benefit – up to $500 per policy year
The plan pays for the services of a licensed, professional physiotherapist following a period of confinement in hospital when recommended by a physician.
Equipment benefit – up to $500 for each accident or illness
The plan pays for the cost or rental of walkers, crutches, wheelchairs, hospital beds, adjustable beds, lift chairs or lifting cushions when recommended by a physician.
Accidental death benefit
The plan pays your beneficiary a benefit of $5,000 should an accident result in the loss of your life within 100 days of its occurrence.
