The "Perpetual Libano-Suisse" health program is a comprehensive health insurance. It offers coverage options and variations to suit the clients' budget and place of residence through a wide network of providers throughout the Middle East, North Africa and France. It includes numerous added value features and solutions.
The Guaranteed Renewability is a feature that guarantees the renewal of the medical insurance coverage year after year regardless of the health condition of the client. This is as long as the client has been covered under the policy for one full uninterrupted year.
In-Hospital Main Coverage
"Perpetual Libano-Suisse" health program guarantees the treatment of covered healthcare conditions incurred following sickness, accidents and/or passive war risks.
- Unlimited financial coverage, 24 hours a day, all year round.
- Medical expenses resulting from emergency cases and work related accidents.
- All diagnostic endoscopic and surgical procedures.
- Elegibility to the "Guaranteed Renewability" In-hospital GR as of day one for medically elligible adherents under 46 years old including Libano-Suisse baby as form day one.
- Coverage of all congenital cases that are neither diagnosed nor treated.
- Coverage of prosthesis and stents:
- Unlimited, if related to post traumatic accidents.
- Up to USD 30,000.- per prothesis following sickness.
- Chemotherapy and Radiotherapy treatment, including linear accelerator.
- Physiotherapy treatment related to a covered hospitalization.
- Home Care benefit, providing patients with semi-accute and chronic conditions needing minimal medical care with quality treatment as provided by the hospital.
- Maternity benefit including delivery, medically mandated abortion, miscarriage and epidural and coverage of Libano-Suisse baby from day one, whatever the health is.
- Coverage of Incubator for new born Libano-Suisse Baby without limitation.
- Coverage of Parental Accommodation Benefit that provides a free of charge extra-bed for one parent accompanying a confined child aged less than 18 years.
Special Services
- International Coverage:
- France and the MENA region (Middle East and North Africa), 100% coverage based on direct billing of the incurred claims.
- Other countries, coverage based on the reimbursement of the claims at 80% of GlobeMed rates.
- Ambulance Service for emergency and cold case transport 24 hours/7days.
- Info-Santé.
- Telemedicine and Second Medical Opinion.
- Traveler's Assistance.
- Electronic Medical File.
Added Value Features
- Personal Accident Cover of $10,000 in case of death of the policyholder only (aged between 18y and 67y).
- Daily Allowance of $50 as of 2nd hospital day for medically eligible policyholder only (aged between 18y and 65y).
Out-Hospital Ambulatory
Libano-Suisse covers at 85% the Ambulatory healthcare benefit, diagnostic tests and treatments which do not require In-Hospital confinement. The Ambulatory are limited to the healthcare services delivered through the GlobeMed Network of providers in Lebanon.
Diagnostic tests
Radiology, CT Scan, MRI, Ultrasonography, Laboratory Tests, Nuclear medecine tests, Electroencephalogram, Electrocardiogram, Electromyogram, Audiogram, Stress test, Evoqued Response, Occular Angiography, Thallium Myocardic Scintigraphy, Echocardiography, Holter Monitoring, Laser Therapy, Physiotherapy, Kinesitherapy.
Out-Hospital Prescription Medicine
Libano-Suisse covers at 85% the Prescription Medicine (PMB) with unlimited number of transactions. The PMB is an optional rider to the Perpetual “Libano-Suisse" and MedCare programs. With your magnetic access card, you can get your prescribed medicines from the nearest pharmacy in the GlobeMed network. These pharmacies can easily be identified from the GlobeMed neon sign.
The PMB provides you with the following benefits:
- Cover for medications registered and approved by the Lebanese Ministry of Health and prescribed by your attending physician.
- Entitlement to Unlimited Transaction per year.
- Coverage for the great majority of vaccines recommended by the United States Centers for Disease Control and Prevention (CDC). This is a distinct benefit since the National Social Security Fund (NSSF) does not cover such vaccinations.
- Easy access to the extensive network of pharmacies strategically located throughout Lebanon, all of which connected to GlobeMed's server. This gives immediate access to the coverage and drug information database. Furthermore, the i*care medical expert system makes sure your medications are delivered with superior quality.
- Eligibility to benefit from the Guaranteed Renewability feature, which entitles you to the Chronic Care Program. This includes cover for medication of chronic illness such as: diabetes, hypertension, etc.
The PMB provides you with the following benefits:
- Cover for medications registered and approved by the Lebanese Ministry of Health and prescribed by your attending physician.
- Entitlement to Unlimited Transaction per year.
- Coverage for the great majority of vaccines recommended by the United States Centers for Disease Control and Prevention (CDC). This is a distinct benefit since the National Social Security Fund (NSSF) does not cover such vaccinations.
- Easy access to the extensive network of pharmacies strategically located throughout Lebanon, all of which connected to GlobeMed's server. This gives immediate access to the coverage and drug information database. Furthermore, the i*care medical expert system makes sure your medications are delivered with superior quality.
- Eligibility to benefit from the Guaranteed Renewability feature, which entitles you to the Chronic Care Program. This includes cover for medication of chronic illness such as: diabetes, hypertension, etc.
Out-Hospital Doctor's Visit
The Doctor's Visit plan is an optional rider to the "Perpetual Libano-Suisse" or MedCare program. It covers physicians' consultation fees for clinic visits. The insured patient may use the services of any physician within the GlobeMed Liban network of physicians. The network provides access to a wide variety of specialties conveniently located throughout Lebanon.
The special advantages of the Doctor's Visit plan are:
- Medical consultation coverage within the GlobeMed network of physician.
- Surgery acts performed in the clinic.
- In-clinic diagnostic services (i.e. Echography, EKG, covered at 85% under the Ambulatory Plan).
- Vaccines performed in the clinic (covered at 85% under the PMB Plan).
- 10 transactions per insured per year.
- Access to more than 1,000 specialized physicians
