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  Medical Insurance

1- In Hospital  

LA PHENICIENNE health program guarantees the treatment of covered healthcare conditions incurred following sickness &/or accidents.

Hospitalization expenses up to :

-Class A ; (US.$.150,000.-) / per case / per year unlimited.

-Class B ; (US.$.100,000.-) / per case / per year unlimited.

-Class C : (US.$.  75,000.-) / per case / per year unlimited.

2- Out Hospital  

LA PHENICIENNE covers at 85% the ambulatory healthcare benefit, diagnostic tests & treatments which do not require IN-HOSPITAL confinement. The ambulatory are limited to LA PHENICIENNE network.

Medical Insurance FAQs
Why do I need Medical Insurance?
Why do I need Medical Insurance?

Health care has been one of the biggest issues in Lebanon in recent years.

The biggest benefit of any type of insurance is the peace of mind it provides.

Having health Insurance can assure you that any sort of emergency or health problem can be properly taken care of by licensed professionals.

Recognizing today that hospital bills are a heavy burden to hold on one's shoulder. Having Health Insurance can give you a financial relief.

what to do in case of a Medical Claim?
what to do in case of a Medical Claim?

In Emergency's cases:

  1. Go to the nearest hostpital.
  2. Present your insurance access card and your ID card.
  3. The approval will be transmitted to you through the hostpital or the delegate (if available).

Note: if you are co-insured with the National Social Security Fund (NSSF), make sure to get the NSSF's late approval.        

 

In Non-emergency's cases:

Provide The following documents to the Insurance offices (or your agent) preferably 24 hours a head of time.

  1. The official original medical report and supportive documents.
  2. The access card
  3. Your ID card
  4. In case you are co-insured with the NSSF (National Social Security Fund), make sure to get your prior NSSF approval.

 

Out hospital (Laboratory tests, X-rays....) you can head directly to one of "La Phenicienne" laboratory network with the following documents:

  1. The official original medical report and supportive documents.
  2. The access card.
  3. Your ID card.

The laboratory will provide you with the approval.

 

Remarks

  1. For assisstance outside working hours call the claims center at 03/865 724
  2. Coverage are limited to the hospital Network that you are subscribed to.
  3. All the above is subject to the policy terms conditions and exclusions.