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Health Insurance
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Health Insurance

Health Insurance pays for medical, surgical, and sometimes dental expenses incurred by the insured. We offer different plans for health insurance to accommodate to all budgets.

ACare Plus plan summary

Area of Cover

Lebanon & MENA Region on direct billing

Waiting Period

6 months

Annual Limit

Unlimited

Guaranteed Renewability (GR)

As from day 1 with an observation period of 6 months limited to 720 days based on the decree 186/IIC

Maternity

Covered after 280 days regardless husband's insurance

Medically mandated abortion & miscarriage

Covered as from the effective date of the policy

Free of charge new born Baby

Covered as of Birth for the remaining period of the Mother's policy

Epidural

Covered

Incubator

Covered up to Policy Ceiling

Congenital cases up to a Lifetime

Class A : USD 20,000.-

Parents Accommodation

Covered for less than 18 years and above 65 years of age

Prosthesis due to Accident

Covered up to Policy Ceiling

Prosthesis due to Sickness

Class A : USD 30,000.-

Breast Reconstruction

Covered within 6 months period following the excision surgery initially covered by the policy

Infertility, impotence & sterility

Covered up to USD 15,000.- per Lifetime including In-Vitro up to USD 2,000.-

Cancer including chemotherapy & radiotherapy

Covered

Organ Transplantation

Class A : USD 60,000.-

Rehabilitation post (CVA)

Class A : USD 10,000.-

Peritoneal & Hemodialysis

Covered for the sessions of dialysis of acute renal failure delivered during the initial hospital admission only.

Morgue & Burial

Covered up to USD 3,000.- following In-Patient covered case

Mesh related to Hernia Surgery

Covered as per standard and normal procedure

Hospitalization coverage following the expiry date

Covered up to 60 days

In-Hospital cash Benefit

Covered after the 5th day of hospitalization; USD 50.- per day and up 6 days only

Parkinson Surgery

Covered up to USD 15,000.-per person per year

Multiple Sclerosis Disease (MS)

Covered

Psychiatry & Mental Disorders excluding suicide

Covered up to USD 1,000.- per person per year

Bariatric Surgery related to Morbid Obesity

Covered up to USD 5,000.- per person per year when BMI is above 40

Strabismus

Covered for children aged less than 15 years

Scoliosis

Covered

Lens related to cataract operation

Covered up to USD 400.- per eye per year

Passive War

Covered in Lebanon

Hazardous Sports when done as amateur

Covered as per the treaty

Second Medical Opinion

Covered

Work Related Accident

Covered (on top of Workmen Compensation policy, if any)

Motor Accident

Covered subject to providing a letter of subrogation signed by the Insured

Repatriation

Covered up to USD 5,000.-

Correction of the eye vision (Lasik or Laser)

Covered up to USD 500.- per person per lifetime for 5 degrees and above

Clinical Procedures

Covered up to USD 2,000.- per insured per year on reimbursement basis

Maternity Lab tests

Covered after 120 days

Triple test

Covered after 120 days when Maternity is covered

Quadruple Test

Covered after 120 days when Maternity is covered

Amniocentesis

Covered after 120 days when Maternity is covered

One Morphological ultra sound

Covered after 120 days when Maternity is covered

Al Guthrie test for ALIG New Born Baby

Covered

Sexually Transmitted diseases (STD) excluding HIV

Covered up to USD 1,000.- per person per year

Migraine & Excessive sweating treatment by botox

Covered up to USD 500.- when Medically indicated

IgE specific

Covered

HLA

Covered

Congenital diseases tests including thalassemia tests

Covered within the In-Patient Limit

Infertility tests

Covered within the In-Patient Limit

Thallium Myocardial Scintigraphy

Covered

Ocular Angiography

Covered

Ocular Coherence Tomography (OCT)

Covered

Volume Computed Tomography (VCT 64)

Covered

Physiotherapy

Covered as per medical necessity

PET Scan

Covered based on a Medical Necessity

Sleep Apnea & Polysomnography

Covered after 6 months of insurance with ALIG at Day & Night Center

Road Ambulance

Covered up to USD 200.- per person per year

Mandatory Pre-Marital Tests

Covered

Genetic & Unusual tests

Covered up USD 5,000.- per person per year

Video Capsule Endoscopy

Covered

Annual Limit

Covered up to USD 2,500.- per insured per year and if recognized by NSSF

Limit per consultation

Up to USD 75.- per insured per consultation with an excess of USD 15.-

 

ACare Plan summary

Area of Cover

Lebanon on direct billing

Waiting Period

One Year

Annual Limit

Class A : USD 400,000.-

Guaranteed Renewability (GR)

As from day 1 with an observation period of 6 months limited to 720 days based on the decree 186/IIC

Maternity

Covered after 280 days for couples and after 18 months for single Mother

Medically mandated abortion & miscarriage

Covered after 280 days for couples and after 18 months for single Mother

Free of charge new born Baby

Covered as of Birth for the remaining period of the Mother's policy

Epidural

Covered

Incubator

Class A : USD 10,000.-

Congenital cases up to a Lifetime

Class A : USD 10,000.-

Parents Accommodation

Covered for less than 18 years

Prosthesis due to Accident

Covered up USD 15,000.- per person per year

Prosthesis due to Sickness

Covered up USD 15,000.- per person per year

Breast Reconstruction

Covered within 6 months period following the excision surgery initially covered by the policy

Infertility, impotence & sterility

Covered up to USD 3,000.- per Lifetime after 2 years of insurance with ALIG

Cancer including chemotherapy & radiotherapy

Covered

Organ Transplantation

Class A : USD 25,000.-

Rehabilitation post (CVA)

Class A : USD 3,500.-

Peritoneal & Hemodialysis

Covered for the sessions of dialysis of acute renal failure delivered during the initial hospital admission only.

Morgue & Burial

Covered up to USD 3,000.- following In-Patient covered case

Mesh related to Hernia Surgery

Covered as per standard and normal procedure

Hospitalization coverage following the expiry date

Covered up to 30 days

In-Hospital cash Benefit

Covered after the 5th day of hospitalization based on USD 50.- per day and up to a maximum of 6 days only

Work Related Accident

Covered (on top of Workmen Compensation policy, if any)

Motor Accident

Covered subject to providing a letter of subrogation signed by the Insured

Correction of the eye vision (Lasik or Laser)

Covered up to USD 500.- per person per lifetime for 5 degrees and above

Maternity Lab tests

Covered after 280 days

Triple test

Covered after 280 days when Maternity is covered

Amniocentesis

Covered after 280 days when Maternity is covered

One Morphological ultra sound

Covered after 280 days when Maternity is covered

Al Guthrie test for ALIG New Born Baby

Covered

Congenital diseases tests including thalassemia tests

Covered within the In-Patient Limit

Infertility tests

Covered within the In-Patient Limit

Thallium Myocardial Scintigraphy

Covered

Ocular Angiography

Covered

Ocular Coherence Tomography (OCT)

Covered

Volume Computed Tomography (VCT 64)

Covered

Physiotherapy

Covered up to 20 sessions based on USD 25.- per each session

PET Scan

Covered based on a Medical Necessity

Sleep Apnea & Polysomnography

Covered after 1 year of insurance with ALIG at Day & Night Center

Mandatory Pre-Marital Tests

Covered after one year of insurance with ALIG

Annual Limit

Covered up to USD 2,500.- per insured per year and if recognized by NSSF

Limit per consultation

Up to USD 50.- per insured per consultation with an excess of USD 15.-