ScotiaLife® Hospitalization Insurance

Right for you if:

  • You want a cash benefit if you're hospitalized

  • You require optional coverage for dependent children 

  • Reasons to consider Hospitalization Insurance

    • Accidents or sicknesses may create financial difficulty for you and your family because routine expenses such as transportation, groceries and utility bills continue while you are unable to work
    • Provincial health insurance only covers your direct medical expenses –not the many extras that often result from a hospital stay
    • Provides you and your loved ones with money you can spend as you wish if you're hospitalized as a result of a covered accident or sickness

    PLUS:

    Guaranteed acceptance

    If you're a Scotiabank customer 18 to 70 years old and a Canadian resident.

    ScotiaLife® Hospitalization Insurance offers

    • Choice of daily benefit amount - $100, $150, $200 or $250
    • No medical exam - and no medical questions to enroll
    • Affordable group rates
    • Spousal coverage - Even if you choose not to enroll, your spouse can be enrolled for coverage and get the same affordable rates
    • Optional dependent child coverage - All eligible children can be covered for a $100 daily benefit amount for a total of only $4.95 per month
    • Home recovery benefit - If you or your insured spouse are hospitalized for a minimum of seven consecutive days, an additional recovery benefit equal to a total of three times the daily benefit amount will be paid. This benefit is not available for a dependent child
    • Easy payment options - Pay through a chequing, savings or Scotiabank credit card
    • 30-day money-back guarantee - If you are not completely satisfied, return your Certificate of Insurance within 30 days of receipt. Any premiums paid will be refunded - no questions asked

    You may receive 

    Cash benefit of up to $250 a day, up to a maximum of 365 days per incident, if you are hospitalized in Canada or the continental United States (plus Alaska and Hawaii), as a result of a covered accident or sickness.

    The money will be paid directly to you if you or one of your covered family members has stayed in the hospital for at least 48 consecutive hours.

    What's not covered

    No daily benefit amount will be payable if the hospital stay resulted directly or indirectly from, or was in any manner or degree associated with or caused by any one or more of the following, or if any one or more of the following contributed in any way whatsoever to the insured's hospital stay:

    • an intentionally self-inflicted injury while sane or insane
    • use of any drug, unless the drug was prescribed by a physician and taken as directed
    • use of alcohol alone or in combination with any drug, medication or sedative where an insured's blood alcohol concentration was in excess of 80 milligrams of alcohol per 100 milliliters of blood
    • use of any poison or gas that was voluntarily taken, administered, absorbed or inhaled
    • flying (except as a passenger on a recognized commercial airline) or any other form of aerial activity
    • war (declared or undeclared), riot or civil commotion, insurrection or hostilities of any kind
    • participation as a professional athlete in an athletic competition or demonstration
    • commission of, or attempt to commit, or the provocation of any indictable criminal offense
    • cosmetic treatment or surgery unless necessitated by accidental bodily injury or sickness sustained while the insurance was in force
    • mental or nervous disorders
    • normal pregnancy or childbirth unless the hospital stay was as a result of complications of pregnancy, including miscarriage 

    Pre-existing condition

    In addition, no daily benefit amount will be payable if the insured's hospital stay is the result of a medical condition, sickness or injury for which the insured has received medical advice, consultation or treatment or for which symptoms have appeared at any time within the 12 month period preceding the certificate date or any date of any reinstatement. In the case of a dependent child, this includes conditions, illnesses or injuries for which medical advice, consultation or treatment was received prior to birth and up to and including 29 days after birth. The daily benefit amount will be paid for the insured's hospital stay only in those circumstances when the insured has been free of medical treatment, consultation, advice or symptoms for 12 consecutive months for that pre-existing medical condition, sickness, or injury. Medical treatment or advice includes, but is not limited to, diagnostic measures and prescribed drugs. 

    Group rates you can afford

    $1001 Daily Benefit Amount

    Issue Age2 Monthly Premium for
    Single Coverage
    Monthly Premium for
    Couple Coverage4
    18 to 34 $8.50 $12.95
    35 to 44 $10.50 $15.95
    45 to 49 $12.50 $20.95
    50 to 54 $15.75 $26.50
    55 to 64 $20.95 $32.95
    65 to 70 $23.25 $36.95

    Optional Dependent Child coverage is $4.953

    $1501 Daily Benefit Amount

    Issue Age2 Monthly Premium for
    Single Coverage
    Monthly Premium for
    Couple Coverage4
    18 to 34 $12.50 $19.50
    35 to 44 $15.50 $23.75
    45 to 49 $18.75 $30.95
    50 to 54 $23.50 $38.95
    55 to 64 $31.25 $49.25
    65 to 70 $34.50 $54.95

    Optional Dependent Child coverage is $4.953 per month.

    $2001 Daily Benefit Amount

    Issue Age2 Monthly Premium for
    Single Coverage
    Monthly Premium for
    Couple Coverage4
    18 to 34 $16.50 $25.50
    35 to 44 $20.50 $31.50
    45 to 49 $24.75 $40.95
    50 to 54 $30.95 $51.50
    55 to 64 $41.50 $65.50
    65 to 70 $45.95 $72.95

    Optional Dependent Child coverage is $4.953 per month.

    $2501 Daily Benefit Amount

    Issue Age2 Monthly Premium for
    Single Coverage
    Monthly Premium for
    Couple Coverage4
    18 to 34 $20.50 $29.95
    35 to 44 $25.50 $39.25
    45 to 49 $30.75 $50.95
    50 to 54 $38.75 $63.95
    55 to 64 $51.75 $81.75
    65 to 70 $56.95 $90.95

    Optional Dependent Child coverage is $4.953 per month.

    Ready to apply

    Online

    Convenient application process 

    Enrol Now
    By Phone

    Call us toll-free

    Mon-Fri (8:30am-7pm ET)

    1-800-387-9844