Products

Health Insurance

Cumberland Health insurance program provides a diverse range of healthcare and medical coverage for hospitalization costs, expenses for laboratory tests, medication costs, and fees associated with doctor consultations. We also ensure coverage for emergency cases outside Lebanon for the the Platinum® and Vital® plans.

Plans and Benefits

Our Health Insurance program features the Platinum®, Vital®, and Basic® plans.

Benefits Platinum® Vital® Basic®
 Policy Details
In-Patient Unlimited Unlimited $200,000
Classes of Insurance A, B A, B, C K
Maximum Age for Policy Holder 65 years old 65 years old 65 years old
Out-Patient doctor’s fees and drugs Not Covered Not Covered Not Covered
Out-Patient Limit per year Unlimited Unlimited Limited to USD $3,000 (At diagnostic centers and laboratories)
Baby Care
New Born (Baby Cumberland) Day Zero Day Zero Day Zero
Nursery /Incubators (Baby Cumberland) 30 days up to US$ 40,000.- 25 days up to US$30,000.- 10 days up to US$ 5,000.-
Circumcision (Baby Cumberland) Covered Covered Covered
Congenital Cases (other than the 22 originally covered cases) (Baby Cumberland) US$ 35,000.- for Class A US$ 25,000.- for Class A US$ 5,000.- for Class K
US$ 25,000.- for Class B US$ 20,000.- for Class B US$ 5,000.- for Class K
US$ 10,000.- for Class C US$ 5,000.- for Class K
Maternity Care
Maternity After 280 days with or without continuity After 280 days with or without continuity 365 days without continuity
Cancer
Chemotherapy / Radiotherapy Covered under Covered under Covered under
IN-Patient IN-Patient IN-Patient Limited to $40,000
Breast Reconstruction after Cancer Covered Covered N/A
Including prosthesis up to US$ 1,000.- Excluding Prosthesis N/A
Surgeries
Prosthesis due to Accidents 100% 100% $25,000
Prosthesis due to Sickness $35,000 $20,000 $10,000
Organ Transplant $40,000 $30,000 N/A
Laparoscopic Procedures  Covered Covered Covered
Bariatric Covered Covered N/A
US$ 8,000.- for Class A US$ 7000.- for Class A N/A
US$ 6,000.- for Class B US$ 5,000.- for Class B N/A
US$ 3,000.- for Class C N/A
Varicose Veins Covered if not esthetic Covered if not esthetic Covered if not esthetic
Varicocele Covered if not related to Infertility Covered if not related to Infertility Covered if not related to Infertility
Scoliosis Covered under the OUT Covered under the OUT Covered under the OUT
Treatments
Epilepsy Covered Covered First Episode
Renal Dialysis First 3 sessions First 2 sessions First session
Acute Allergy Covered under IN-Patient including OUT-Patient Exam Covered under IN-Patient Excluding OUT-Patient Exams Covered under IN-Patient Excluding OUT-Patient Exams
Rehabilitation $5,000 $3,000 US$ 1,000 post CVA
Migraines Covered Covered  Covered
Physiotherapy 30 sessions per contractual period of insurance 30 sessions per contractual period of insurance 15 sessions per contractual period of insurance
Infertility After 12 Months US$ 3,000 After 12 Months US$ 3,000 N/A
Tests
Polysomnography Covered in contracted centers Covered in contracted centers Covered in contracted centers
Genetic Test After 12 Months up to US$ 1,000 After 12 Months up to US$ 1,000 N/A
Hospitals
Network Full Network Full Network All Hospitals Excluding : AUB, CMC, LAU-Rizk, St. John’s, Belle Vue & Levant
Laboratories
Network Full network Full network Laboratories only
Others
Passive War $10,000 $5,000  N/A
Morgue and Burial Expenses $3,000 $2,000 Morgue only covered for One Day
Extra Bed for One Parent  Below 18  Below 18  Below 18
Home Care Covered if alternative to a needed hospitalization with an ‘IV treatment’ Covered if alternative to a needed hospitalization with an ‘IV treatment’ Covered if alternative to a needed hospitalization with an ‘IV treatment’
ICU Covered Covered Covered
Work Related Injuries Covered for Admins & Self-Employed Covered for Admins & Self-Employed Covered for Admins & Self-Employed
STD After 12 Months US$ 1,000 for Exams Only After 12 Months US$ 1,000 for Exams Only N/A
Motorcycling Covered Covered N/A
Out Patient Coverage 100% and 85% 100% and 85% 85%
Out Patient Limit Unlimited Unlimited Unlimited
Manufacturers Output Policy (MOP)
MOP – for Full Fresh Discount 25% Discount 25% Discount 25%
Plans
Inter Plans Upgrade / Downgrade Product applies for New Business, if good record. Product applies for New Business. Product applies for New Business.
No up-grade during the year is entitled. No up-grade during the year is entitled. No downgrade during the year is entitled.
Up-grade for Existing Business at Renewal is applied for special cases. Up-grade for Existing Business at Renewal is applied for special cases. Downgrade for Existing Business at Renewal is applied for special cases.
Advantages Platinum® Vital®
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
Class A is ‘Free of Charge’
Class B / Cost of Benefit is USD $20.-

+ Class C

Sum Insured per insured person, per year USD $150,000.-
Limited to Max. 90 days per year, in total
Maximum Age is 75 years old

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