Hospital and convalescent care plan

Coverage and benefits

Hospital coverage for retirees

    • 95% reimbursement of the daily semi-private room rate
    • Private room charges are reimbursed based on the regular semi-private room rate

Convalescent facility and home care coverage for retirees

    • Covers up to 30 days per calendar year combined facility and home care
    • 80% reimbursement to a maximum of $75 per day after a hospital stay of at least 24 hours
    • Approved temporary stay in a convalescent care facility for the continued care of the same condition for which you were hospitalized
    • Up to three days of home care following day surgery to a maximum of $75/day
    • Someone without professional skills or training may provide convalescent home care provided they’re working under the supervision of a licensed home care agency or a home health care agency
    • The days of home care don’t need to be consecutive, but they must take place within 90 days of the date of discharge from the hospital
Convenience benefits
  • Your dental office can submit claims directly
  • Claim payments are deposited directly to your bank account
  • Email notification of your claim payments
  • Annual benefit statement and tax letter
  • 24/7, secure, online access to claims and benefit information

Ready to apply?

Eligibility
Our medical insurance is popular among retired teachers and others who have retired from Canada’s education community, or who are still working and don’t have coverage through work. To be eligible for our group insurance coverage, you must
  • be an RTOERO member
  • live in Canada
  • be covered by a Government Health Insurance Plan (GHIP)
Coverage is also available for spouses and dependent children residing in Canada and covered by a GHIP. Full eligibility details
Two steps to seamless coverage and peace of mind
Start your application before you retire. You’ll be automatically approved for your insurance without the need for additional medical information as long as you apply within 60 days of your previous group insurance ending. Usually, that’s within 60 days of your retirement date. Step 1: Become an RTOERO Member Step 2: Complete the insurance application Not a member? Join now Apply for insurance
Applying late?
Did your previous group benefits end more than 60 days ago? Don’t worry – you can still be covered. Learn More
Not retired but need coverage?
If you're working in education but don't have coverage through your employer, we can help. Learn more

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  • Retirement insurance plan details
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  • Tips to help you get retirement ready

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