Why do I need medical insurance?
Medical insurance helps cover medical expenses, protects you from unexpected healthcare costs, and ensures access to quality care when needed.
Which hospitals can I go to?
You choose your hospital network when you buy: the full network covers all hospitals in Lebanon, and the limited network covers all hospitals in Lebanon except AUBMC and CMC.
What is the difference between in-patient only and in & out-patient cover?
In-patient only covers your hospitalization: hospital stays, treatment, tests and surgery. In & out-patient cover adds diagnostic tests done without a hospital stay, such as lab tests, X-rays and physiotherapy, reimbursed at 85% or 100% depending on the option you choose.
How does the hospital network affect my premium?
The limited network (all hospitals except AUBMC and CMC) costs less than the full network, which includes every hospital in Lebanon. Choose the full network if you want access to AUBMC and CMC.
Does medical insurance cover routine check-ups and diagnostic tests?
Diagnostic tests, X-rays and physiotherapy are covered when you choose in & out-patient cover, at 85% or 100%, up to $3,000 a year. Routine check-ups, doctor’s consultations and pharmacy are not covered.
Is medical insurance mandatory in Lebanon?
Private medical insurance is not required by law for individuals. Employees in the formal sector are registered with the National Social Security Fund (NSSF), which gives basic medical cover. On Comin, choose the NSSF option if you benefit from the NSSF, so your policy completes it, or the no-NSSF option if you don’t.
How much does medical insurance cost in Lebanon?
Your premium depends on your age, whether you benefit from the NSSF, the hospital network, in-patient only or in & out-patient cover, and the class you choose (A, B or C). Comin shows the price of each class before you pay.
What does a medical insurance policy cover?
Every plan covers emergencies, hospitalization, in-patient treatment and surgery, up to $100,000 per medical case. With in & out-patient cover, diagnostic tests and physiotherapy are added. Maternity is covered after a one-year waiting period; pre-existing conditions are not covered.
Can I get private medical insurance for my family or my company?
Yes. When you buy on Comin, choose whether the insurance is for an individual, a family or a company, then add the details of each person you want to cover.
What are Class A, B and C?
The class sets the level of your hospital cover, such as your room in hospital, and your premium: Class A is the highest level and Class C the most affordable. You see the price of each class before you choose.