Me & my Family

How do I chose the right cover?
Do know the rules

Each health insurance plan has its rules and requirements . make sure you know and follow them. Failing to do so can cost you .

Multiple choice
There is a large variety of schemes available- from low cost schemes offering limited cover to those which offer wide-ranging cover and benefits. You will need to decide what sort of cover you want. There are number of things you will have to consider.

  • Financial limit v/s number of days spent lifetime in a hospital room.
  • Large or limited network.
  • Do you want a choice of hospitals, or would you be satisfied to receive any treatment that you might need in a hospital available from a limited range chosen by your insurance company?
  • In bed patients and ambulatory service.


Will I need to provide details of my health status ?
Medical history declaration: it is essential that you give all the information you are asked for. If you don’t, you may find that your insurer may refuse to pay any claim related to a preexisting case, or may cancel your policy. If you have a medical condition which is likely to come back, the insurer will issue a policy, but that condition ( and any related to it) may not be covered, either indefinitely or for a set period of time.

What if I want to change to a new insurer?
Your insurance policy is a yearly contract and not a lifetime agreement, so should you decide upon expiring of the contract to change to a new insurer make sure that you :

  • Declare all chronic cases .
  • Secure a flawless transition on expiring date.
  • Obtain and secure continuity of coverage for all members on previous policy.
  • If you benefit from Guaranteed renewability, dont jeopardize it.


Your checklist
Dos and don’t

  • Work with a licensed broker.
  • Find a plan that meets the needs of current employees.
  • Ask your broker to provide you with a guide on how to use your insurance policy. He will give you invaluable hints.



Contact Info

Aramax bldg, 3rd floor
Sin el fil - boulevard
Beirut - Lebanon

Phone: +961 1 493093
                +961 1 494670/680/690
                +961 3 753659
                +961 1 311545
Fax: +961 1 493093 ext 237
Email: sloop@dm.net.lb
Saghieb bldg, ground floor
Achrafieh - sioufi
Beirut - Lebanon