Hospital Insurance

Hospital expense coverage affords specific settlement for daily hospital room and embarks and usual hospital services and equipment during hospital stays.The term health insurance is usually used to explain a form of insurance that pays for medical costs. It is from time to time used more largely to include insurance wrapper disability or long-term attention or custodial care needs. It may be provided through a government-sponsored social insurance program, or from private insurance companies. It may be purchased on a group basis or purchased by individual customers. In each case, the enclosed cluster or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare costs. Similar benefits paying for medical charge may also be provided throughout social welfare programs funded by the management.

Insured In-Patient Services

Accommodation and meals at the standard ward rate. Private and semi-private room charges are covered if provided for medical reasons or if standard accommodation is not available.

Nursing services
Laboratory, x-ray and other diagnostic procedures; e.g., EKG, Nuclear Medicine, Respiratory Therapy
Drugs
Medical and surgical supplies
Operating Room, Labour & Delivery
Use of radiotherapy facilities and radioactive isotopes where available
Rehabilitative Services; e.g., Physiotherapy, Occupational Therapy, Audiology, Speech Language Pathology

Insured Out-Patient Services

Laboratory, x-ray and other diagnostic procedures; e.g., EKG, Nuclear Medicine, Respiratory Therapy
Rehabilitative Services; e.g., Physiotherapy, Occupational Therapy, Audiology, Speech Language Pathology
Anti-rejection drugs for transplant patients, AZT for AIDS patients
Surgical and Medical Day Care procedures

Uninsured Services (Services Not Covered)

Additional charges for preferred accommodation (private and semi-private rooms which are not medically required)
Private duty nurses retained by the patient
Drugs and appliances issued for use outside the hospital (with the exception of drugs listed under the Insured Out-Patient Services section)
Bedside telephones, radios or television sets for personal, non-teaching use
Services for work-related conditions which are covered by the Workplace Health, Safety and Compensation Commission, or pensionable war-related disabilities which are covered by the Veterans' Affairs Canada
Services provided to members of the Royal Canadian Mounted Police or the Canadian Armed Forces which are covered by federal insurance programs
Services provided to members of the armed forces of other countries who are stationed in the province under N.A.T.O. agreements
Services provided without specific medical indication (e.g., x-rays required for employment or insurance purposes, cosmetic surgery, etc.)
Services provided in private non-approved Canadian diagnostic imaging facilities (e.g. MRI, CT, X-ray, etc.)
Services related to therapeutic abortions performed outside Canada or in non-accredited Canadian facilities
Ambulance service and other patient transportation, except when an in-patient of one hospital is conveyed to another hospital for special tests or treatment but remains an in-patient of the first hospital (Some coverage of transportation costs is available under other policies of the Department of Health and Community Services. For example, the Ground Emergency
Ambulance Program, the Emergency Air Ambulance Program, or the Medical Transportation Assistance Program.) In vitro fertilization and other procreative measures