Every plan, one enduring promise.
Every CMSM membership pools resources with tens of thousands of Lebanese families, giving each adherent access to a broad network of hospitals, diagnostic centres and specialists at a fraction of the retail cost.
CMSM accepts individuals between 0 and 65 years of age.
The beneficiary's age is calculated by subtracting the year of birth from the year during which the subscription to CMSM becomes valid.
OUR BENEFITS
Financial coverage: CMSM covers a total amount for each member and/or beneficiary in one contractual year, up to:
$150,000 for Class MUT
$200,000 for Class A
OUR BENEFITS
INFERTILITY: Covered:
Class A: Up to USD 2,000 per year.
Class MUT: Up to USD 1,500 per year.VARICOCELE: Covered. If related to infertility it will be covered:
Class A: Up to USD 2,000.
Class MUT: Up to USD 1,500.DIALYSIS Sessions for Acute Renal Failure only during initial admission till discharge.
CMSM also covers the three preparatory dialysis sessions for the treatment of chronic renal impairment through the first admission before starting the chronic dialysis sessions.ARTERIO VENOSTOMY: Up to USD 1,500 once per year.
COSMETIC AND PLASTIC SURGERIES: Following an accident within upmost 6 (six) months of the accident and before the membership expiry date.
BREAST RECONSTRUCTION Following a Mastectomy due to breast cancer:
Class A: Up to USD 2,000.
Class MUT: Up to USD 1,500.ALL RELATED SLEEP APNEA PROCEDURES: Up to USD 1,500 per year.
BLOOD TRANSFUSION PREPARATION TESTS & PROCEDURES: Covered if medically indicated.
WEIGHT CONTROL PROCEDURES, GASTROPLASTY, ANY TREATMENT FOR OBESITY:
Up to USD 3,000 per year if medically indicated and as per BMI and subject to SMO if necessary.
Follow up tests and complications to be included within the limitation.COVID-19 HOSPITALIZATION AND COMPLICATIONS: Up to USD 10,000 per year.
CARDIO VASCULAR TREATMENTS such as Open Heart Surgery, Coronarography, and other Cardio-Vascular treatments require three (3) months waiting period.
PROSTHESIS per organ case per surgery:
Class A: Up to USD 10,000.
Class MUT: Up to USD 8,000.
Up to USD 15,000 for post traumatic.WORK RELATED ACCIDENTS: Up to USD 5,000 per accident.
GENETIC DISEASES: Up to USD 20,000 per year.
HUMAN BONE GRAFT: Up to USD 4 000 per year for Class A/MUT.
BONE MARROW TRANSPLANTATION: Up to USD 10 000 per year for Class A/MUT.
CORNEAL TRANSPLATION PROCEDURE: Covered.
MENTAL DISORDERS: Up to USD 2 500 per year.
PALLIATIVE CARE: Up to USD 5 000 per year.
Congenital Cases
26 Congenital cases for CMSM babies covered.
Other Congenital cases for CMSM babies covered up to USD 5 000.
Prematurity is covered up to USD 5 000.
Congenital cases for babies not born at CMSM are covered up to USD 5 000 till the age of 12 years starting the second year of enrollment.
Congenital cases for adults (> 12 years old) are covered Up to USD 5 000 starting the 5th year of enrollment.
Maternity Coverage
Normal Delivery or Cesarean Section in Mutual Class up to the 4th month of pregnancy (or 17 weeks) from the date of membership.
Medically mandated abortion and miscarriage: Covered if medically indicated.
Epidural: Covered
Newborn baby’s nursery as of birth: Covered for a maximum period of ten (10) days only.
Intensive Care Neonatal or Incubator stay (ICN): Covered up to USD 5,000.
Screening tests: Covered for new born CMSM babies up to USD 100 only.
Baby male’s circumcision: Covered.
One pediatric consultation: Covered.
Transient neonatal jaundice: Covered.
Other Conditions
All treatments of health conditions that cannot be undergone on Ambulatory basis and that are medically indicated, Usual, Reasonable, Customary and accepted by the Lebanese Ministry of Public Health (MOH) and FDA approved.
Emergency Room Treatment of sudden sickness that can’t be delayed and some procedures undergone in the ER room as well.
Clinical Procedures are covered.
In as Out Procedure such as endoscopic procedures, Radiotherapy, Excision of lymph node, biopsies, etc.
One day room unit: Small surgeries and other treatments such as chemotherapy, etc.
ALL laparoscopic surgical procedures covered for Usual Procedures
Pre-Operative Tests if medically indicated, and require a pre-requisite to anesthesia.
Physical Therapy treatments related to a covered hospitalized case, if delivered at hospital.
Homecare services, require the attending physician’s prior approval.
Death: In the event of the death of the member/ beneficiary, CMSM shall pay the heirs of the deceased a maximum amount of (500$) as refrigeration and burial expenses, provided that these heirs submit in writing, within two months from the date of death, a declaration of death attached to all documents (extraction of a crossed out family record, death certificate, inheritance limitation statement in case of necessity, etc.)
Hospitalization coverage after expiry date: If the adherent was admitted to the hospital during the policy validity period and the policy expired without renewal, coverage continues for up to 10 days.
CMSM Ambulatory Healthcare plan (AM) is an optional plan, not requiring
In-Hospital confinement’s admission, covers diagnostic tests and
ambulatory treatments within a wide network of healthcare providers all
over Lebanon’s territories.
OUR BENEFITS
General Conditions
- Adherents and/or Beneficiaries are entitled to ten (10) transactions per year.
- New Adherents and/or Beneficiaries, after three (3) months of enrollment date, are entitled only to five (5) transactions in first year.
- Coverage Coverage is limited to 85% of the cost per transaction.
- Specific In-hospital exclusions and limitations are covered by AM plan.
Maternity
- Double test Covered
- Triple test Covered
- Maternity obstetrical US up to 3 per pregnancy
- Morphological US covered once per pregnancy
- Amniocentesis Covered
Diagnostic Tests Subject to TPA's Prior approval
- Abdominal-Pelvic Ultrasound
- Calcium Score
- Electromyogram - EMG
- Evoked response
- Holter monitoring
- MRI, C.T. Scan and PET scan after six (6) months from the enrollment date
- Nuclear medicine tests
- Ocular Angiography
- Testicular Pelvic Echo Doppler
- Thallium Myocardial Scintigraphy
- Tuberculin test
- VCT 64
Online Diagnostic Tests
Audiogram
Cardiac Ultrasound
Electrocardiogram - EKG
Electroencephalogram - EEG
Laboratory tests
Radiology tests - Ultrasounds
Stress test
COVID-19 related tests: Covered within limitation applied on Covid-19 cases excluding PCR and rapid test
Treatments
- Ambulatory treatments are covered based on medical indication and International Medical Guidelines
- Argon Laser
- Laser Photocoagulation
- Physiotherapy
- Kinesitherapy
Routine Check UP
- Mammography and Breast Ultrasound
- Osteodensitometry from 45 years of age
- PSA Total and Free
- Vitamin D
Other Features
- Genetic Tests are covered up to USD 500 per year.
- Pre-Marital tests are covered on reimbursement basis upon submission of a marriage certificate.
- Toxoplasmosis up to four times per pregnancy, when the results indicate a lack of
immunity.
Telemedicine
- DRAPP consultations up to 4 ER consultations per year.
- Up to 1 psychiatric ER consultation per year.
CMSM offers a specific medical plan for the Clergy in Lebanon that includes benefits such as:
In Hospital plan for any medical case requiring hospitalization.
Ambulatory plan for all laboratory, radiology tests as well as physiotherapy sessions.
Prescription Medicines plan for chronic and acute treatments throughout the year (optional).
Enrolment in this plan cannot be considered final without prior approval from CMSM based on the underwriting process results.
Benefits every policy carries.
Beyond the plan you subscribe to, every CMSM membership carries these benefits free of charge: nothing extra to pay, nothing extra to sign.
Travel Coverage
Worldwide emergency medical assistance and hospitalisation for personal trips of up to 31 consecutive days.
Life Coverage
Life protection for every adherent, included at no additional cost with the membership.
Telehealth Consultations
Speak to a doctor remotely, by video or phone, whenever you need advice, free with your policy.
Apply Now
Answer a few questions and we’ll price your subscription against CMSM’s live rates. Payments can be split into eight monthly settlements with zero interest; an official quote follows from our underwriting team.
Estimate your annual contribution.
Answer a few questions and we’ll price your subscription against CMSM’s live rates. Payments can be split into eight monthly settlements with zero interest; an official quote follows from our underwriting team.
How would you like to subscribe?
CMSM covers single individuals and entire families. You can add spouse and children in the last step.
Choose your class of coverage.
Class A offers higher benefit ceilings; Class MUT (Mutual) is the entry tier; both share the same provider network.
Family assistance and school aid apply to Class MUT family subscriptions only. School aid additionally requires the ambulatory add-on on a renewal.
Who is being covered?
Contributions are priced per person by age, so we need each date of birth. Names are optional; they only help you read the breakdown.
How the total is composed, per covered person. Amounts are in USD and come directly from CMSM’s rate table.
| Member | Age | Plan | In-hospital | Ambulatory | Aids | Total |
|---|