RecoverEase Insurance

You and your spouse are eligible for guaranteed acceptance on enrollment if you are between the ages of 50 and 80, and you are covered under a provincial/territorial health insurance plan.

You are not eligible to apply for coverage if you currently reside in a facility where health care and convalescent services are included in the residence fee.

Once you are enrolled in the RecoverEase plan you can continue your benefits for life unless you move to a facility where health care and convalescent services are included in the residence fee.

RecoverEase 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, up to six months. 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.

If you have had outpatient surgery the plan pays you a cash benefit of $100 a week for up to 8 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 or attend appointments for treatment, or to engage in limited outdoor activity if it is 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 are 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.

Guaranteed Acceptance

Acceptance is guaranteed for you and/or your spouse, provided you are between the ages of 50 and 80 and insured under a provincial health insurance plan. If you currently reside in a facility where health care and convalescent services are included in the residence fee, you are not eligible to apply for coverage.

Pre-existing Condition

If you have received medical or surgical treatment or advise by a physician or surgeon during three months immediately preceding the effective date of this policy, no benefits will be available for the pre-existing condition(s) during the first 12 months your coverage is in force.