Basic Individual Program                                                                            back to top

The Basic Individual Program is a health insurance program that covers all medical expenses agreed on and incurred during your stay in the hospital.

Who can subscribe & how?
The age brackets for new adherents are 14 days till 65 years.
There is, on the other hand, no age limitation for the persons already insured with us.
To subscribe to this plan, all you need to do is fill in a medical questionnaire; and depending on your age (>60 years), some medical exams may be needed.

What does it cover?
The first year of insurance, all accidental health problems and non-preexisting cases are covered.
Upon the renewal of your contract, if no major disease had altered your health condition, all the preexisting cases will be covered, like heart diseases, cancer, renal problems, etc.

This program provides you, as an add up to your coverage, the following features:

- Guaranteed renewability: While renewing you Basic Individual Program for the second time and if no major disease had altered your health condition, you can acquire the guaranteed renewability. This option gives you the advantage to renew your health contract year after year with no limitation or exclusion irrespective of your health condition and without any additional premium.
- Telemedicine: It offers you a second medical opinion, by sending your medical file to the leading 3000 specialists in Boston.
- Home Care: It provides a quality treatment at home to the patients with chronic conditions and needing a minimal medical care.

Class:
The perpetual program includes different class levels from which you can choose the most adequate to suit your requirements:
- Lux: Is a suite not a normal room
- A: Is a private single room
- B: Is a room with two beds
- C: Is a room with three beds
- SP: Is an economic class of a room with two beds and a bathroom. The only difference with the second class is the boarding quality, whereby the insured may be confined in old hospital blocks

Hospital Network:
When you are insured under the Basic Individual Program you can choose the hospital Network that suits you better. Depending on your budget and the region you live in, we propose to you 4 variations:
- Full Network: Is a pack of 98% of the Lebanese hospitals that you can use in case of emergency or medical treatment.
- Limited Network: You can use the same hospitals as the full Network but only for emergency or medical necessity. As to the other cases, the following 4 hospitals are not included: American University Hospital, Clinic Dr. Rizk, Hotel Dieu de France, and St. Georges Beirut.
- North Regional: This Network could suit you if you are living in North Lebanon. It includes almost all the hospitals of the region as well as St. Georges Beirut.
- South Regional: This Network includes the hospitals of Beirut suburbs, Metn, South and Chouf.
For North Regional and South Regional, you can use any hospital of the full Network in case of emergency or medical necessity.

Optional Plans that can be added to the Perpetual Program:
  
 
 Ambulatory                                                                                                 back to top

Covers the x-rays, laboratory tests, physiotherapy and all other tests outside the hospital.
This option has no financial limitation and is unlimited per year, but an excess of 15% is applied on each test, if you have used the Network.
  
   
 Plan Medications Prescription Plan                                                            back to top

Covers prescribed medicines and pharmaceutical treatments. Most of the medicines that are covered by social security are covered under this plan.
Concerning the medicines for chronic disease, they will be covered once you acquire your guaranteed renewability for this option.
This option has no financial limitation but an excess of 15% on acute prescribed drugs and 35% on chronic prescribed drugs are applied upon the purchase of each prescription.
  
   
 Doctor's Visit                                                                                                back to top

Covers the physician’s consultation fee at clinics if only he is included in the Network. No excess is applied for this option, but you can only benefit from 10 visits during your annual contract.