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Excel-Hospitalization is an accident and health insurance product, issued without medical examination, that guarantees the payment of a daily benefit when you are hospitalized due to accident or illness.


The insured must:

Main coverage

Your contract must include the following coverage:

Hospital Benefit. It provides for:

  • A daily benefit ranging from $20 to $100
  • A waiting period of 0 or 3 days

Additional coverages

You benefit from the following additional coverages, at no extra cost:

  • Double Benefit: for hospitalization outside your province of residence, hospitalization due to cancer or heart attack or hospitalization in the intensive care unit
  • Day Surgery Benefit (3 days convalescence daily benefit)
  • Home Convalescence Benefit
  • Transportation Expense Allowance
  • Convalescence Centre Benefit
  • Ambulance expenses

Excel Hospitalization Insurance offers other optional benefits, such as:

  • Return of Premiums in the event of death

You may also purchase additional coverages to expand the protection afforded to you and your family

Accidental Death, Dismemberment or Loss of Use (AD&D) coverage, including:

  • Education Benefit: for the dependent children of an Insured in the event of his or her accidental death
  • Occupational Requalification Benefit: for the spouse in the event of the Insured’s accidental death

Accidental Fracture and Extended Medical Care Following an Accident

Refitting Following an Accident: for your car or primary residence

Medical and legal assistance services


For more information, please refer to the Excel-Hospitalization brochure (PDF – 1 MB).