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cml latest offers
OUT +
OUT+ hospital healthcare plan covers all out examinations with unlimited coverage per year and with no exclusions or limitations or waiting period within our specific out+ network.
CML takes in charge all laboratory analysis & tests and diagnostics.
All kinds of blood tests including check-ups, nuclear tests, tracking, hormonal tests, heart tests, hepatic tests are available in our Laboratory “WMC “
ECG, Panoramic X-RAYS, EEG, Mammography, CT scan, Ultrasound, Osteo densitometry, MRI, EMG are also available in our Laboratory “WMC “
IN
The IN advantages are listed below:
We cover 98 % of the Lebanese hospitals (All over the Lebanese territory)
Different classes of coverage inside hospital are available according to ones needs and budget
100% Coverage inside Hospitals - 100% coverage of emergency cases
Class A - Room with one bed
Class B - Room with 2 beds
Complementary coverage to the National Social Security (≠NSSF)
Complementary coverage to the Cooperative (≠Coop)
Health
You already insured your profession, your car, your home, etc…
However, have you thought about YOURSELF?
Did you get enough coverage in case of illness or accident?
If something serious were to happen, who would protect you and your family?
Your needs are often linked to your family situation and your age and your insurance must be adapted and suited for every moment of your life whatever the circumstances are.
Look after your health and we'll look after your budget.
Hospital stays, laboratory expenses are regular expenses which can quickly rise.
This is why an adapted health insurance is an absolute necessity nowadays to allow you the best care and to stay in good health.
At CML, we ease the burden of your health care expenses.
Peace of mind, security, long term relationship and medical consultancy are our targets towards our clients.
Our difference is our Customer Service Quality always at the disposal of our clients.
We deal with a national Network of providers, encompassing 80 hospitals, 30 laboratories, 106 doctors, 28 dentists, and 22 physiotherapists.
MEDECIN DE FAMILLE (Family Physician)
CML offers unlimited numbers of visits to any of the CML’s family doctors network with 100% deductible unlike other programs.
Saving: Simar
SIMAR is a saving plan designed to help people financially to prepare their golden years.
Unlike any other saving plan, SIMAR is not linked to a life insurance policy. This is a 100% pure retirement plan that has no extra or hidden charges. The minimum investment is as low as the equivalent of 1000L.L per day.
ITS ADVANTAGES
Transparent and fair charges
Flexible plan
One can stop paying and his investment will continue to grow One can adjust his payment frequency One can boost his investment at any time during the contract period One can do a partial surrender or can do a total surrender and cancel the contract with no penalties.
Secure Investment
SIMAR is a CML product in collaboration with “ADIR” insurance in partnership with “BYBLOS” bank and “NATEXIS Banque Populaires de France “(A link to Natexis banque Populaires), which guarantees your investment without any risk of loss through the investment growth account. A pre-announced rate of return is guaranteed for the current year. A profit sharing plan is applied at the end of each year, thus increasing your rate of return for the whole year.
And that's not all, No age limit No contract time limit No medical exams.
Travel Assistance
In the event of death, CML, in collaboration with Mideast Assistance, assists with the necessary formalities and covers only the expenses of the repatriation of mortal remains, to a location selected by the legal representative of the deceased, up to a limit of $50,000- including the services.
Personal accident rider / Death and disability indemnity rider
Apart from the emotional shock, bereavement leaves close family facing immediate financial difficulties. It's true that as well as the usual expenses, there are also various immediate costs to meet: funeral expenses, inheritance tax, and numerous steps to be taken … At the same time the family has to get through everyday life. A lump sum payment is ensured immediately, as an understanding financial support to your family in the event of death or total disability.
HDI
At CML we ease the burden of your health care expenses by reimbursing the sum of 40$ as daily compensation due to hospitalization.
Dental Care
A team of qualified specialists are gathered to offer to each and every adherent all the services needed at high standards of professionalism. Dental care programs cover basic treatments including emergency cases, consultations, teeth cleansing, amalgam and simple extraction.
OUT PASS
About Out Pass
It is a prepaid medical card, valid for one year, especially created by CML to avoid long, routine, and complicated administrative formalities in order to cover your "out” examinations and give you access to a number of related medical services of your choice (family doctors visit, personal accidents, hospital daily indemnity, dental care).
Advantages of Out Pass
No more pre-approval
No more exclusions
No more age limit
No more waiting period
Cost
You can get any of our various Out Pass prepaid cards from our office in Zouk Mikaël and have your "out medical expenses" and other services related to this program covered. An Out Pass prepaid card costs $150 only and is valid for 1 year.
Benefits
The Family Doctor Outpass
85% coverage of the total amount of laboratory exams and X-rays within the WMC network which is spread out over various Lebanese areas.
Unlimited number of visits to any of the CML's family doctors network for a participation fee of 8,000 L.L. for each visit upon prior appointments.
The Personal Accident Outpass
85% coverage of the total amount of laboratory exams and X-rays within the WMC network which is spread out over various Lebanese areas.
Medical expenses due to an accident.
Coverage is limited to $500 per case and a maximum yearly coverage of $5000.
The Dental Care Outpass
85% coverage of the total amount of laboratory exams and X-rays within the WMC network which is spread out over various Lebanese areas.
The basic treatments are 100% deductable. They include emergencies, consultation, teeth cleansing, amalgam and simple extraction.
Any other treatments are up to 60% deductable, as the coverage includes also plastic treatments such as othodontics, whitening, implants, etc.
HDI Outpass
85% coverage of the total amount of laboratory exams and X-rays within the WMC network which is spread out over various Lebanese areas.
HDI program is a $50 daily compensation due to hospitalization resulting from surgery, accident, or necessary health or illness issues.
