Cumberland offers a wide range of competitively prime
insurance products. we offer a selection here. if you require a policy
which is not listed here please call your broker or contact us.
Cumberland's Medical Expenses policy works on the following basis:
On commencement of the programme each person insured will be
issued with a Cumberland "identity card".
When an insured person needs medical treatment they would,
in normal circumstances, visit their doctor who would decide on
an appropriate course of treatment.
If the relevant ailment is of a minor nature for example, headache,
stomach upset and the like, requiring only prescribed medicines
etc. then such costs will be borne by the Insured Person.
If the Insured Person is referred by the doctor for laboratory
tests such as, blood, allergy and the like, then these costs,
including the initial Doctors bill, will be reimbursed along with
costs incurred for subsequent treatment, provided the medical
condition is not excluded
If, subsequently, the Insured Person's condition warrants referral
to a specialist, such specialist's costs will be reimbursed, provided
that the medical condition is not excluded.
If hospital "In-Patient" treatment is prescribed
then the Insured person presents themselves to the Cumberland
Nurse Delegate at one of our Approved Hospitals (full list of
hospitals attached). She will then supervise the patient's admission
and subsequently monitor the on-going treatment on a daily basis
until discharge.
On completion of the treatment the hospital will directly bill
Cumberland for all the costs incurred, these having been pre-approved
by our Nurse-Delegate.
The Cumberland card will allow the Insured Person;
In-Patient treatment at Cumberland approved hospitals
Out-Patient treatment (if your client decides to select that
benefit) for laboratory tests, x-rays and the like. If Out-Patient
cover is selected, there is an annual financial limit of US$2,000
imposed for this cover.
We have our own Delegates at all the major hospitals in Greater
Beirut during normal office hours (outside these hours we have a
hot line on which the hospitals may contact us at any time). These
Delegates are on-hand to complete registration formalities at the
hospitals for each patient admitted and to give immediate approval
for treatment, thus preventing any unnecessary delay. If there appears
to be any doubt about the appropriateness of the recommended treatment,
the Delegate will contact our own in-house doctor for immediate
approval - some companies do not inform the insured that treatment
is not covered until the time that the account is due for settlement.
Our policy is one of pro-active treatment management so that if
a particular treatment is not provided for under the policy, immediate
notification will be given to the Insured Person and your client
and the situation managed in the best overall interests.
All treatment costs that are covered under the policy will be billed
to us directly for settlement.
