What is Health Insurance?

Health insurance is a type of insurance that covers medical expenses that arise due to an illness. These expenses could be related to hospitalisation costs, cost of lab tests, medicines or doctor consultation fees.

Why do you need Health Insurance?

Since no one plans to fall ill or get hurt, but a serious illness can strike anyone at any time. The cost of treating the illness can cause severe financial strain on the savings you have accumulated over time. This means that you can’t compromise on your personal or your family health. This is where Cumberland can you with a wide Healthcare products that suits your financial capabilities.

Our Plans

Cumberland offers a wide range of plans that connect your budget to your needs. Our Health Insurance program currently comprises – in descending order of benefits and cost – the Platinum®, Vital®, and Basic® plans.

For more details about our plans check the table below:

In-Patient	Unlimited
Classes of Insurance	A, B
Network	Full Network
Prosthesis due to Accidents	100%
Prosthesis due to Sickness	$ 35,000
Organ Transplant	$ 20,000
Laparoscopic Procedures	Covered
Chemotherapy / Radiotherapy	Covered under IN-Patient
ICU	Covered
Breast Reconstruction after Cancer	Covered Including prosthesis up to US$ 1,000.-
New Born (Baby Cumberland)	Day Zero
Nursery /Incubators (Baby Cumberland)	20 days up to US$ 30,000.-
Circumcision (Baby Cumberland)	Covered
Congenital Cases (other than the 22 originally covered cases) (Baby Cumberland)	US$ 20,000.- for Class A US$ 15,000.- for Class B
Epilepsy	Covered
Bariatric Surgeries	Covered US$ 8,000.- for Class A US$ 6,000.- for Class B
Renal Dialysis	First 3 sessions
Varicose Veins	Covered if not esthetic
Varicocele	Covered if not related to Infertility
Acute Allergy Treatments	Covered under IN-Patient Including “IGE Specific” OUT-Patient Exam
Passive War	$ 10,000
Morgue and Burial Expenses	$ 2,000
Rehabilitation	$ 5,000
Extra Bed for One Parent	Below 18
Epilepsy	Covered
Migraines	Covered
Home Care	Covered if alternative to a needed hospitalization with an ‘IV treatment’
Out Patient Coverage	100% and 85%
Out Patient Limit	$ 20,000
Network	Full network
Physiotherapy	30 sessions per contractual period of insurance
Polysomnography	Covered in contracted centers
Scoliosis	Covered under the OUT
MOP – for Full Fresh	Discount 30%
MOP – for the Fresh part	60% Fresh Dollars 40% @ rate of LBP 8000
Inter Plans Upgrade / Downgrade	§ Product applies for New Business, if good record. § No up-grade during the year is entitled. § Up-grade for Existing Business at Renewal is applied for special cases.

In-Patient	Unlimited
Classes of Insurance	A, B, C
Network	Full Network
Prosthesis due to Accidents	100%
Prosthesis due to Sickness	$ 20,000
Organ Transplant	$ 10,000
Laparoscopic Procedures	Covered
Chemotherapy / Radiotherapy	Covered under IN-Patient
ICU	Covered
Breast Reconstruction after Cancer	Covered Excluding Prosthesis
New Born (Baby Cumberland)	Day Zero
Nursery /Incubators (Baby Cumberland)	15 days up to US$ 15,000.-
Circumcision (Baby Cumberland)	Covered
Congenital Cases (other than the 22 originally covered cases) (Baby Cumberland)	US$ 15,000.- for Class A US$ 10,000.- for Class B US$ 7,500.- for Class C
Epilepsy	Covered
Bariatric Surgeries	Covered US$ 7000.- for Class A US$ 5,000.- for Class B US$ 3,000.- for Class C
Renal Dialysis	First 2 sessions
Varicose Veins	Covered if not esthetic
Varicocele	Covered if not related to Infertility
Acute Allergy Treatments	Covered under IN-Patient Excluding OUT-Patient Exams
Passive War	$ 5,000
Morgue and Burial Expenses	$ 1,000
Rehabilitation	$ 3,000
Extra Bed for One Parent	Below 18
Epilepsy	Covered
Migraines	Covered
Home Care	Covered if alternative to a needed hospitalization with an ‘IV treatment’
Out Patient Coverage	100% and 85%
Out Patient Limit	$ 10,000
Network	Full network
Physiotherapy	30 sessions per contractual period of insurance
Polysomnography	Covered in contracted centers
Scoliosis	Covered under the OUT
MOP – for Full Fresh	Discount 30%
MOP – for the Fresh part	60% Fresh Dollars 40% @ rate of LBP 8000
Inter Plans Upgrade / Downgrade	§ Product applies for New Business. § No up-grade during the year is entitled. § Up-grade for Existing Business at Renewal is applied for special cases.

In-Patient	$ 200,000
Classes of Insurance	K
Network	Excluding AUB, CMC, LAU-Rizk, St. John’s, Belle Vue & Levant
Prosthesis due to Accidents	$ 25,000
Prosthesis due to Sickness	$ 10,000
Organ Transplant	N/A
Laparoscopic Procedures	Covered
Chemotherapy / Radiotherapy	Covered under IN-Patient – Limited to $40,000
ICU	Covered
Breast Reconstruction after Cancer	N/A
New Born (Baby Cumberland)	Day Zero
Nursery /Incubators (Baby Cumberland)	10 days up to US$ 5,000.-
Circumcision (Baby Cumberland)	Covered
Congenital Cases (other than the 22 originally covered cases) (Baby Cumberland)	US$ 5,000.- for Class K
Epilepsy	First Episode
Bariatric Surgeries	N/A
Renal Dialysis	First session
Varicose Veins	Covered if not esthetic
Varicocele	Covered if not related to Infertility
Acute Allergy Treatments	Covered under IN-Patient Excluding OUT-Patient Exams
Passive War	N/A
Morgue and Burial Expenses	Morgue only covered for One Day
Rehabilitation	US$ 1,000 post CVA
Extra Bed for One Parent	Below 18
Epilepsy	First Episode
Migraines	Covered
Home Care	Covered if alternative to a needed hospitalization with an ‘IV treatment’
Out Patient Coverage	85%
Out Patient Limit	$ 3,000
Network	Laboratories only
Physiotherapy	15 sessions per contractual period of insurance
Polysomnography	Covered in contracted centers
Scoliosis	Covered under the OUT
MOP – for Full Fresh	Discount 30%
MOP – for the Fresh part	60% Fresh Dollars 40% @ rate of LBP 8000
Inter Plans Upgrade / Downgrade	§ Product applies for New Business. § No downgrade during the year is entitled. § Downgrade for Existing Business at Renewal is applied for special cases.