V I T A L

BECAUSE YOUR HEALTH COUNTS

 

Following its continuous efforts to better protect its customers and preserve their health, Cumberland has launched “ V I T A L ”, a new extensive Medical Insurance Coverage, enhanced by innovative features and advanced benefits.

 

 

International Medical Insurance Cover IMIC: (enhanced)

Is a worldwide cover that indemnifies emergency medical costs based on

the original medical bill incurred due to illnesses or accident, outside the

Lebanese territory. IMIC benefits include:

• Free of charge IMIC cover for all members insured under class L and A.

• IMIC financial limit is $150,000 per person per year.

• Direct Hospital Billing.

• Medical repatriation due to illness or accident.

• Return ticket for one close relative in case the hospital stay

exceeds 5 days or in case of decease of the insured.

• Repatriation of mortal remains.

 

Pan Arabian Coverage: (new)

Cumberland Network of Contracted Health Care Providers has been

extended to cover the following countries:

• Jordan

• Kuwait

• Bahrain

• Saudi Arabia

• Qatar

• United Arab Emirates

• Oman

• Egypt

• MENA Region

 

Prosthesis: (new)

• Due to an accident: covered at 100%.

• Due to illness: covered up to $3,000 per case and includes the following:

1. Stents.

2. Pacemaker.

3. Cardiac valves.

4. Coils.

5. Spinal fixation.

 

Respiratory System: (enhanced)

Coverage has been extended to include the following disease entities,

previously excluded from cover:

• Asthma.

• Tuberculosis.

 

 

ENT System: (enhanced)

 

Physiotherapy: (enhanced)

Waiting period for nose related surgeries has been reduced to become:

• One contractual period, instead of two, for new adherents.

• No waiting period, instead of one contractual period, for previously insured members.

Enhanced cover, up to 30 sessions per person per year. Applicable only

in the following cases:

• Post surgical intervention.

• Disc disease proven by radiological means.

 

 

Diagnostic endoscopies: (enhanced)

Rehabilitation: (new)

Scope of cover pertaining to the following diagnostic tests amended to become included under “IN” patient benefit:

• Gastroscopy.

• Colonoscopy.

• Cystoscopy.

This benefit is introduced to cover cases post Cerebro Vascular Accident and limited to $1,500 per case for class A and $1,000 per case for all other classes.

 

Psychiatric cases: (new)

 

Cover is specific for acute depression that mandates IV treatment and in the following cases:

• Secondary to dread diseases, diagnosed, and covered while insured by Cumberland.

• Secondary to physical disfigurement due to trauma or accident that occurred while insured by Cumberland.

The financial limit allocated for this cover is $2,000 per person per year for adherents insured under class A and $1,000 for all other classes.

Maternity cover: (new)

Extended to include the following:

• Cost of epidural.

• Morphological ultra sound.

• Triple Test.

• Amniocentesis.

 

 

 

New born baby Cumberland: (new and enhanced)

Pre-confirmed Renewal:

Cumberland new generation will enjoy the following benefits:

• Free medical insurance policy for the new born, issued with the same benefits and valid till the expiry of the mother’s policy.

• 25 congenital cases covered at 100%.

• All other congenital cases covered up to $3,500 for insured members under class A and $2,500 for all other classes.

Granted from day one of insurance for members under the age of 45 years. This is subject to a satisfactory declaration of health, clearly approved by the company and tagged on the policy schedule by the symbol “PR”.

 

Nervous system: (new)

• Epilepsy: first episode only.