Motor Insurance

Motor insurance provides financial protection against bodily injury to third parties resulting from traffic crashes and against liability that could also arise from those crashes. Additionally, it offers financial protection against theft and hold up of the vehicle and own damages sustained from causes other than motor traffic crashes.

Property Insurance

Property insurance provides protection against risks to the property, such as fire, theft and natural hazards (earthquake, storm, tempest and flood). There are also additional covers such as:

Glass breakage, burglary by forcible entry, burglary by holdup, water damage due to bursting or overflowing of pipes, apparatus and water tanks, rain damage, strike, riot, civil commotion, damage to electrical apparatus, removal of debris, architect fees, loss of rent/loss of accommodation, liability towards neighbors, liability towards co-owners, war and terrorism.

Life Insurance

Life insurance is a benefit received by a designated beneficiary upon the loss of Life of an insured person. Other events such as Permanent Total or Partial disability or critical illness can also be covered. It is one of the most important insurance policies as it can help in reducing the financial load one leaves behind to family members. Term assurance provides life insurance coverage for a specified term.

Travel Insurance

Is an insurance that intend to cover medical expenses, trip cancellation, lost luggage, flight accident, repatriation of mortal remains, trip delay and other losses incurred while traveling. Travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a yearly policy which can cover an unlimited number of trips within a set of a time frame. Depending on the destination, we offer three set of covers for USA and Canada, Worldwide excluding USA and Canada and Worldwide excluding USA, Canada and Europe.

Personal Accident Insurance

Personal Accident insurance provides compensation in the event of injuries, disability or death caused solely by accidental, external and visible events. Covers typically include accidental death, permanent total disability and passive war risk cover.

Foreign Worker Insurance

This plan provides the mandatory cover for foreigners working in Lebanon required by the Lebanese Ministry of Labor. The insurance policy includes:

• 3rd Class or Social Security Class hospitalization for medical and surgical treatments.
• Repatriation in case of death including death benefit.
• Personal accident coverage (permanent, partial or total disablement due to an accident)
  • Deportation costs in case the insured is forced to leave the country following:
  • A legal authority decision
  • Death of the employer
  • Bankruptcy of the employer
  • If the insured is declared to have a chronic disease

Medical Insurance

Provides coverage against the risk of incurring medical expenses as a result of sickness or injury. By estimating periodically the overall risk of health care and health system expenses, the policy’s benefit limits and covers are adjusted to cope with the changes in the health care system. The in-patient provides a supporting cover for patients operations done at the hospitals such as:

• Medical expenses resulting from emergency cases.
• All diagnostic Endoscopic and surgical procedures.
• Prosthesis related to post traumatic accidents.
• Physiotherapy treatment related to a covered hospitalization.
• Maternity benefits as of the first renewal including delivery, medically mandated abortion, miscarriage and epidural.
• Radiotherapy treatment including linear accelerator.
• Chemotherapy.
• Home care benefits.
• Eligibility to the “Guaranteed Renewability” In-hospital GR as of day one for medically eligible adherents, subject to underwriting.
• New Born Baby will benefit from a free coverage until the policy expiry date.

The out-patient provides a supporting cover for a patient’s laboratory exams, and emergency covers provide medical treatment at any hospital’s emergency:

• Coverage of 100% and 85% is available
• Radiology, CT scan, MRI, ultrasound, evoked potential, laboratory tests, nuclear medical tests, electroencephalogram, electrocardiogram, electromyogram, audiogram, stress test, ocular angiography, Cardiac thallium scintigraphy, echocardiography, ambulatory electrocardiography, abdomino-pelvic ultrasound.
• Laser therapy, physiotherapy, kinesitherapy.