Individual
Cover for one person, sized to the hospitals you would actually want to be admitted to rather than the cheapest network that technically qualifies.
Medical insurance
The premium is the easy part to compare.
Two policies at the same price can send you to very different hospitals. We read the network, the room class, the waiting periods and the exclusions.
What we place
Individual, family and group.
Family
One policy across a household, with maternity, paediatric and dependant terms checked before you sign rather than discovered later.
Group & staff schemes
Employee cover for family businesses and small companies, including the census work and the annual renewal negotiation.
Top-up over NSSF
Where the national scheme already covers part of the risk, a private layer sits above it instead of duplicating what you already have.
What we read before recommending anything
- Hospital network and class. Which hospitals, and in which class of room — the single biggest difference between two policies at the same price.
- Annual and per-condition ceilings. What the policy stops paying at, and whether that ceiling resets.
- Pre-existing conditions. What is excluded, for how long, and what has to be declared now to avoid a refused claim later.
- Waiting periods. Maternity, surgery and chronic care rarely start on day one.
- Co-payment and deductible. The share you pay at the point of treatment, which is where a cheap premium usually hides.
- Outside Lebanon. Whether treatment abroad is covered, and on what terms — it usually is not, by default.
- Renewal terms. Whether the insurer can reprice or decline you after a bad year.
How it works
01
Tell us who is on the policy
Ages, any existing conditions, and the hospitals you would want. That is enough to start.
02
We go to the market
The same details go to several insurers. You see each response side by side, with the differences pointed out rather than buried.
03
We stay on the file
Admissions, approvals and disputed claims are handled by us, not by you on the phone to an insurer from a hospital corridor.
Asked most often
The questions that decide it.
General answers for Lebanon. What your own policy says is what governs — send it to us and we will read it against these.
Will a condition I already have be covered?
Usually not at the start, and rarely without being declared. Most insurers exclude a pre-existing condition outright, or accept it after a waiting period of one to two years. The mistake that costs people a claim is leaving it off the application: an undeclared condition gives the insurer grounds to refuse not only that treatment but, in some wordings, the policy itself. Declare it and we will find out what the market will take.
How long before maternity cover starts?
Nine to twelve months on most policies, counted from the start date rather than from when you pay. A policy bought after a pregnancy has begun will not pay for it. If a family is planned, that waiting period is the reason to place cover a year early.
What actually changes between hospital classes?
The class fixes which hospitals you may be admitted to and the room you get when you are. It is the single largest difference between two policies quoted at the same premium, and it is the difference nobody notices until the night of an admission. We compare quotes on the hospital list first and the premium second.
I have NSSF. Do I still need private cover?
Often yes, but as a layer above rather than a duplicate. The national scheme covers part of the cost and a narrower list of hospitals; a top-up policy carries the balance and widens the network. Buying a full private policy on top of NSSF means paying twice for the part you already have.
Is treatment outside Lebanon covered?
By default, no. Where it is available it is a named extension with its own territorial limit, its own ceiling and usually a requirement that the treatment is not available locally. It is worth asking for explicitly rather than assuming a policy travels with you.
Can the insurer drop me after an expensive year?
Renewal terms vary, and this is the clause worth reading before you sign anything. Some policies guarantee renewal at the book rate; others let the insurer reprice you individually or decline the renewal after a heavy claims year. That difference does not show up in the first year's premium at all.
Next step
Send us the policy you have now.
We will read it against what else the market offers and tell you honestly whether it is worth moving. Often it is not, and we will say so.