Health Insurance 2017-10-19T14:46:21+00:00

Medical Plans Comparison

Features & Benefits

Platinum®

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Vital®

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Class Plus®

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Financial LimitationUnlimitedUnlimitedUSD 150,000.-
Territoriality (on direct billing)Lebanon ( all major hospitals and Labs) and Most MENA Region* + Worldwide if purchasedLebanon ( all major hospitals and Labs) and Most MENA Region* + Worldwide if purchasedLimited hospitals in Lebanon + WWA if purchased ( MENA Region is excluded)
Network for AmbulatoryFull NetwokFull NetwokLimited network and labs.
WWA Cover & Premium (World Wide Assistance)Free for Class AFree for Class AUSD 20.-
WWA Cover (including USA & Canada)Covering ER cases up to USD 150,000.- 90 days on Direct Billing Basis , including repatriationCovering ER cases up to USD 150,000.- 90 days on Direct Billing Basis , including repatriationCovering ER cases up to USD 150,000.- 90 days on Direct Billing Basis , including repatriation
Classes of CoverA and B onlyA, B and CClass PLUS
Varicose VeinsCovered Covered——
AllergyCovered , including exams , under the Out-Patient Plan – limited to IGE SpecificTreatments are covered , excluding examsNot Covered
Migraine TreatmentsCovered CoveredNot Covered
AmbulatoryUp to USD 5,000.- at 100% and 85%Up to USD 3,000.- at 100% and 85%Up to USD 2,000.- at 85%
AngioplastyCovered CoveredCovered
Breast ReconstitutionFollowing a covered mastectomy claimNot CoveredNot Covered
Cataract LensCovered CoveredCovered
Cataract SurgeryCovered CoveredCovered
EpiduralCovered CoveredCovered
TripleTestCovered CoveredCovered
Amniocentesis (under maternity)Covered CoveredCovered
Complications of PregnancyCovered from Day One in case of continuityCovered from Day One in case of continuityCovered from Day One in case of continuity
Maternity ExamsCovered from Day One in case of continuityCovered from Day One in case of continuityCovered from Day One in case of continuity
Morphological U/S3 obstetrical including one morphological ultrasound during pregnancy3 obstetrical including one morphological ultrasound during pregnancy3 obstetrical including one morphological ultrasound during pregnancy
Circumcision for the baby Born at DeliveryCovered CoveredCovered
Congenital Cases for Baby Cumberland22 cases at 100%. Others USD 15,000 / class A , USD 10,000 / Class B22 cases at 100%. Others USD 10,000 / class A , USD 7,500 / Class B , USD 5,000/ class C22 cases at 100%. Others up to USD 3,000
Premium / Baby CumberlandFree of charge till expiryFree of charge till expiryProrated premium till expiry
Guthrie Test / Baby CumberlandCovered CoveredCovered
Boarding Costs of Nursery and/or Incubator for Baby CumberlandLimited to 15 days up to USD 30,000.- max.Limited to 6 daysLimited to 3 days in case of normal delivery and 5 days in case of c-section
Pediatrician VisitOne consultation upon delivery in hospitalOne consultation upon delivery in hospitalOne consultation upon delivery in hospital
Cosmetic Surgeries Following AccidentCovered within 6 months from date of accident / in case of active policyCovered within 6 months from date of accident / in case of active policyCovered within 6 months from date of accident / in case of active policy
Echo CardiographyCovered CoveredCovered
H1N1 Exams and TreatmentsCovered CoveredNot Covered
EpilepsyCoveredFirst episode onlyFirst episode only
PR (Preconfirmed Renewability)Day 1 , till the age of 60 and after one year if between 61 and 64Day 1 , till the age of 44 and after one year if between 45 and 64Day 1 , till the age of 44 and after one year if between 45 and 64
Limitation of PR700 Hospital DAYS lifetime aggregate limit700 Hospital DAYS lifetime aggregate limitUSD 150,000.- in the aggregate per lifetime
HaemodialysisFirst 3 sessions in case of acute renal failureFirst 2 sessions in case of acute renal failureFirst session in case of acute renal failure
Heart and Cancer CiseasesCovered CoveredCovered
Holter MonitoringCovered CoveredCovered
Home CareCovered in case of medical necessity replacing a hospital stayCovered in case of medical necessity replacing a hospital stayCovered in case of medical necessity replacing a hospital stay
Infertility ExamsUp to USD 2,000.- for class A and USD 1,000 for class BUp to USD 1,000Up to USD 1,000
VaricoceleCovered if not related to infertiltyCovered if not related to infertiltyCovered if not related to infertilty
Mental DisordersUSD 2,000 Class A and USD 1,000 class B (as per Class) Acute depression after a Covered hospitalization in case of trauma resulting to physical disfigurement / or acute depression secondary to dread diseases covered by the Co.USD 2,000 Class A and USD 1,000 class B (as per Class) Acute depression after a Covered hospitalization in case of trauma resulting to physical disfigurement / or acute depression secondary to dread diseases covered by the Co.USD 2,000 Class A and USD 1,000 class B (as per Class) Acute depression after a Covered hospitalization in case of trauma resulting to physical disfigurement / or acute depression secondary to dread diseases covered by the Co.
Morgue and Burial Costcovered up to USD 2,000.- while being hospitalized in case of a covered hospital confinementNot CoveredNot Covered
Nose SurgeryAfter 1 year in case of no continuity and day one in case of continuityAfter 1 year in case of no continuity and day one in case of continuityAfter 1 year in case of no continuity and day one in case of continuity
One Day Treatment (Gastroscopy, Chemeotherap..)Covered CoveredCovered
OsteodensitometryCovered at age of 50 , and above at hospitals and centersCovered at age of 50 , and above at centers onlyCovered at age of 50 , and above at centers only
Parental AccommodationOne extra bed for one parent in case below 12One extra bed for one parent in case below 12One extra bed for one parent in case below 12
Pet ScanCovered in case of cancer metastasisCovered in case of cancer metastasisCovered in case of cancer metastasis
Physiotherapy & Rehab Following Covered Hospitalization30 sessions + USD 2,000.- rehab. After a covered hosp. in contracted centers30 sessions + USD 2,000.- rehab. After a covered hosp. in contracted centers30 sessions + USD 1,000.- rehab. Post CVA in contracted centers
Physiotherapy Under OUTMax 30 sessions per caseMax 30 sessions per caseMax 30 sessions per case
PolysomnographyCoveredCoverednot covered
Post Traumatic ProsthesisUnlimitedUnlimitedUnlimited
Prosthesis Due to SicknessUSD 30,000.-USD 10,000.- per yearUSD 2,000.- and 50% up to USD 3,000.- per year
Pre Operative TestCovered CoveredCovered
RadiologyCovered CoveredCovered
Radiotherapy & ChemeotherapyCovered CoveredCovered
RehabilitationUSD 2,000 per lifetime after a covered caseUSD 2,000 per lifetime after a covered caseUSD 1,000.- post CVA (Cerebro-Vascular Accident)
Respiratory Diseases (Bronchitis, Bronchospasm & PneumoniaCovered CoveredCovered
Stress TestCovered CoveredCovered
TransplantationCovered up to USD 20,000.- per person per year and in the aggregate per lifetime / including Bone Marrow (excluding all complications , cost of the organ itself and the donor’s operation)Not CoveredNot Covered
Travel AssistanceAvailableAvailableAvailable
Thallium and VCT 64Covered CoveredCovered
Passive War & TerrorismPassive WAR covered up to USD 10,000.- in excess of any other healthcare cover.Not CoveredNot Covered
Work Related AccidentsCovered for self-employedCovered for self-employedCovered for self-employed up to USD 2,000
Laparoscopic TreatmentsAll are coveredAll are covered5 claims only
* MENA Region Coverage includes: Kuwait , Bahrain, Oman, Qatar , KSA, UAE , Algeria , Morocco , Tunisia, Egypt and Jordan.

PLATINUM PLAN

Additional Notes
– (*) For renewal Business only
– Maximum age for new medical business is 65
– Out-Patient Benefit excludes Dr. fees and Drugs
– Out-Patient Benefit is limited up to USD 5,000.-/ insured / year
– Add Policy Cost to read $30 – Endorsement fees $10
– For Personal Accident Covers please refer to the P.A Tariff
– Subject to Policy Terms and Conditions
For emergency cases outside Lebanon: ARAB ASSIST
– Including medical assistance , hospital direct billing, medical repatriation further to illness or accident, return ticket for one close relative in case insured’s decease or hospitalization abroad exceeding 5 days , repatriation of mortal remains.
– Free of charge for class ” A “
– Class ” B ” cost of benefit is $20.-
– Sum insured per year $150,000.- 90 days in the aggregate.
– Maximum age is 75 years old.

VITAL PLAN

Additional Notes
– (*)For renewal Business only
– Maximum age for new medical business is 65
– Out-Patient Benefit excludes Dr. fees and Drugs
– Out-Patient Benefit is limited up to USD 3,000.-/ insured / year
– Add Policy Cost to read $30 – Endorsement fees $10
– For Personal Accident Covers please refer to the P.A Tariff
– Subject to Policy Terms and Conditions
For emergency cases outside Lebanon: ARAB ASSIST
– Including medical assistance , hospital direct billing, medical repatriation further to illness or accident, return ticket for one close relative in case insured’s decease or hospitalization abroad exceeding 5 days , repatriation of mortal remains.
– Free of charge for class ” A “
– Class ” B ” and ” C ” cost of benefit is $20.-
– Sum insured per year $150,000.- 90 days in the aggregate.
– Maximum age is 75 years old.

CLASS PLUS PLAN

Additional Notes
– (*) For renewal Business only – Maximum age for new medical business is 65
– Out-Patient Benefit excludes Dr. fees and Drugs
– Out-Patient Benefit is limited up to USD 2,000.-/ insured / year/85%
– In-Patient Benefit is limited up to US$ 150,000.-per Insured Person in the aggregate per year
Add Policy Cost to read $20 – Endorsement fees $10
– For Personal Accident Covers please refer to the P.A Tariff
– Subject to Policy Terms and Conditions
For emergency cases outside Lebanon: ARAB ASSIST
– Including medical assistance , hospital direct billing, medical repatriation further to illness or accident, return ticket for one close relative in case insured’s decease or hospitalization abroad exceeding 5 days , repatriation of mortal remains.<
– Additional Premium of US$ 20.- for the cost of this benefit
– Sum insured per year $150,000.- 90 days in the aggregate.
– Maximum age is 75 years old.
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