Medical Student
Medical Student Disability Offer
RBC Insurance offers the most complete and competitive disability plan available for medical students, residents, and fellows in Canada.
Key Benefits
No medical underwriting required
25% lifetime discount
Own Occupation definition of disability
Cost of Living Adjustment (COLA) built in
Future income protection up to $25,000/month
HIV, Hep B & C protection
Option to convert to long-term care coverage later
$100,000 of Critical Illness Insurance available as an add-on
For Medical Students
Your monthly coverage amount depends on your year of study
Years 1–2: $2,000/month
Year 3: $3,000/month
Year 4: $4,500/month
Two ways to apply
Simplified application
- No medicals
- 10% discount and up to 12 months free
Full application
- Medicals may be required
- 25% discount and up to 12 months free
For Residents & Fellows
Residents: Up to $4,500/month
Fellows: Up to $8,500/month
Discount options
Simplified application
10% discount, up to 5 months free
Full application
25% discount, up to 5 months free
Same Rates Everywhere — But Not the Same Advice
RBC sets the pricing, so no matter which broker you go through, your rates are the same. If you’ve received a different quote elsewhere, something is likely missing.
Final Thoughts
You’ve invested over a decade in your education and career. Why leave your financial protection in someone else’s hands?
Book A Free Call
Let’s customize a plan that fits your specialty, income, and goals.