Here you go, or you can just go to the Documents section and reach it out.
The "Caisse Mutuelle Socio Médicale" (CMSM) ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website www.cmsm.org.lb.
1. Information We Collect
We may collect the following types of information:
- Personal Information: such as your name, email address, phone number, or any other information you voluntarily provide via contact forms, newsletter subscriptions, or event registrations.
- Technical Data: including IP address, browser type, device information, referring/exit pages, and usage data collected through cookies and similar technologies.
2. How We Use Your Information
We use the information collected to:
- Respond to your inquiries or requests.
- Send updates, newsletters, or announcements (if you subscribe).
- Improve the functionality and user experience of our website.
- Comply with legal obligations.
3. Sharing of Information
We do not sell or rent your personal information. We may share it with:
- Trusted service providers who assist in operating our website (e.g., hosting, email delivery).
- Government authorities or regulators when required by law.
4. Cookies and Tracking Technologies
Our website may use cookies to enhance your browsing experience. You can choose to disable cookies through your browser settings, but this may affect certain functionalities of the site.
5. Data Security
We implement appropriate technical and organizational measures to protect your data against unauthorized access, alteration, or disclosure.
6. Your Rights
You have the right to:
- Request access to your personal data.
- Request correction or deletion of your data.
- Withdraw consent where processing is based on consent.
- To exercise your rights, please contact us at (Refer to the section "Contact us").
7. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of these sites.
8. Children’s Privacy
Our services are not directed to individuals under the age of 13. We do not knowingly collect personal data from children.
9. Changes to This Policy
We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised "Effective Date."
10. Contact Us
If you have any questions about this Privacy Policy or how your data is handled, you may reach out on the "Contact us" section.
CMSM is a non-profit organization that provides to its adherents and beneficiaries access of hospitalization and medical coverage at a low cost with great quality of healthcare service.
Yes, all Christians Lebanese citizens.
Check the calculator on the homepage
Your membership number is printed on your Healthcare Card above your name. The reference number on the right side of your card indicates your membership ID number.
If you still can't find your membership number ID, don’t hesitate to contact CMSM offices
No, CMSM grants GR for adherents under 65 years old after studying the medical file of each adherent on a yearly basis. No extra charge for GR.
If you want to reach us, you can visit our main office at Adonis, Zouk Mosbeh, Bldg. 1, Lebanon, email us on info@cmsm.org.lb, call us on 09225547, 03425742 or simply chat with us.
Yes, CMSM has an after-hours team available 24/7 for urgent inquiries on 00 961 3 42 57 42.
In-Hospital admission at any provider within CMSM network requires that you submit a copy of your Healthcare Card and Individual ID, the Unified Prescription signed and sealed by your Treating Physician, and any previous diagnostic results that may help providing the approval.
Online approval for In-Hospital admission is usually granted with an utmost time of 2 hours, while for Ambulatory tests and imageries it shouldn’t overtake 30 minutes.
To submit a reimbursement claim you need to provide a copy of:
Your own Healthcare Card, personal ID, a medical report from the treating physician, diagnostic results, original detailed bill and the receipt.
Usually a direct reimbursement claim is submitted at CMSM offices.
Normally direct claims are processed within 30 days.
No, CMSM healthcare program doesn’t include Doctors’ consultations fees and visits.
To claim for death indemnity, prepared specific Death Indemnity Form is to be filled in, attached with an Official Death Certificate. Other related documents can also be required
CMSM does cover all urgent medical case or accident’s claims that occur outside Lebanon if travel not exceeding (31) consecutive days. If being for a long term stay refer to travel coverage
Usually, schedule payments should be settled regularly; otherwise, coverage will be suspended automatically till settlement.
We cover all tests and procedures such as coronarography, angioplasty and open heart surgery if they are usual and medically indicated. But if you are a new adherent, a waiting period of 3 months is applicable.
CMSM do cover the FDA approved chemotherapy and radiotherapy, usual and medically indicated procedures and diagnostic tests.
We do cover polysomnography procedure only.
2nd child and above under 17yo, will benefit from Family Assistance and will be free of charge
A scholarship is granted for every single child aged between (4 and 17) years in the 2nd year of enrollment in class MUT.