Medical Insurance

What does it cover?

Age limit: 0 day to 75 years

In-Hospital Plan

Supplementary to the National Social Security Fund Scheme

• This plan covers hospitalization fees due to:
  • Illness
  • Accidents
  • Passive War Risks
  • Maternity
• All surgical and endoscopic procedures that do not require in hospital confinement are covered in a “one day room unit” irrespective of the class of the Insured on “in hospital basis”
• Chemotherapy and Radiotherapy treatments are covered on In-Hospital basis
• All Congenital cases
• Organ transplantation to Insured Receiver including Bone Marrow Transplantation
• Sexually Transmitted Diseases
• Mental or psychiatric disorders
• Prosthesis post traumatic and due to illness
• Parkinson disease treatment as per NSSF
• Weight control procedures and surgeries as per NSSF
• Polysomnography

Maternity

• Incubator without financial limitation
• Baby is covered from day zero not free of charge
• Infertility is covered as per NSSF
• Epidural

Guaranteed Renewability (GR) under the Perpetual Conversion Option (PCO)

In return for the Premium paid by the policyholder, the Insurance Company hereby irrevocably promises to issue a Perpetual Conversion Certificate to the benefit of the policyholder, enabling him to exercise the conversion option and purchase the type of insurance product listed on the application and approved by the Insurance Company, provided that the policyholder meets all the terms conditions specified here after.

The Applicable Plan upon Conversion will be subject to a lifetime limitation per Policyholder identified in the Policy Schedule as the maximum number of covered hospitalization days, whether spent in a hospital or through a home healthcare service, when applicable.

OUTPLAN:

Ambulatory plan:

This plan covers diagnostic tests and treatments, which do not require in hospital confinement, such as X-Ray, Scanner, Laboratory tests, Physiotherapy, Laser therapy….

• The number of transactions is unlimited per year per adherent
• Pre-marital tests are covered on reimbursement basis
• One Morphological ultrasound per period of pregnancy
• Thallium Scintigraphy and Abdomino-Pelvic Ultrasound subject to a prior approval
• MRI is subject to a prior approval
• The insurance company covers 85% or 100 % of ambulatory healthcare expenses excluding Doctor Fees

Prescription Medicine plan

This plan covers the medicines authorized by the Lebanese Ministry of Health excluding those used for chronical cases.

• The number of transactions is unlimited per year per adherent
• The covered vaccines are those obligatory to prevent the following diseases:: Polio, Diphtheria, Pertussis, Tetanus, Hepatitis Type B, Haemophilus, Influenza, Measles, Mumps, Rubella, as per the age of the Insured and the quantity and immunity schedule
• The insurance company covers 85% or 100% of prescriptions medicine expenses excluding doctor fees.
• Thallium Scintigraphy and Abdomino-Pelvic Ultrasound subject to a prior approval

Doctor Visit:

• 100% Medical consultation coverage within the GlobeMed Network of Physicians (access to a very large network of specialized physicians)
• Online Support
• Vaccine performed in the clinic
• 10 transactions per person per year

ADDITIONAL BENEFITS

The Telemedicine plan

It benefits included in the In Hospital plan entitles the insured to receive a Second Medical Opinion and/or a Case Management Consultation for cardio vascular and neuro vascular conditions, cancer, systemic autoimmune diseases and any condition of life threatening nature outside Lebanon

Burial Cost

As morgue and burial cost expenses, an amount of US$ 2,000 will be paid in case of death of the insured during a covered hospital confinement

Home care Benefits

This service provides patients with semi-acute and chronic conditions needing minimal medical care with quality treatment as provided by the hospital, yet in the comfort of their home. Home Care Lebanon offers the following services:

• Intravenous antibiotic therapy
• Chemotherapy
• Total parenteral and enteral nutrition
• Physical and respiratory therapy
• Nursing care, wound care, post-surgical care

Guaranteed Renewability (GR) under the Perpetual Conversion Option (PCO)

In return for the Premium paid by the policyholder, the Insurance Company hereby irrevocably promises to issue a Perpetual Conversion Certificate to the benefit of the policyholder, enabling him to exercise the conversion option and purchase the type of insurance product listed on the application and approved by the Insurance Company, provided that the policyholder meets all the terms conditions specified here after.

The Applicable Plan upon Conversion will be subject to a lifetime limitation per Policyholder identified in the Policy Schedule as the maximum number of covered hospitalization days, whether spent in a hospital or through a home healthcare service, when applicable.