CMSM coverage includes In-Hospital and medical expenses incurred in Lebanon, in accordance with the terms and conditions, specific technical limitations and exclusions stipulated in this Mutual Healthcare Plan.
The Principal adherent chooses upon adhesion/membership renewal one hospitalization class for all the family members with no distinction, regardless the family members relationship.
1. All treatments of health conditions that cannot be
undergone on Ambulatory basis providing that is medically
indicated, Usual, Reasonable, Customary and accepted by
the Lebanese Ministry of Public Health (MOH) and FDA approved.
2. Emergency Room Treatments of sudden sickness that
can’t be delayed and some Clinic procedures undergone in
the ER room as well.
3. In as Out Procedure such as endoscopic procedures,
Radiotherapy, Excision of lymph node, biopsies….
4. One day room unit: Small surgeries and other treatments
such as chemotherapy…
5. All laparoscopic surgical procedures covered by the
National Social Security Fund (NSSF).
6. Pre-Operative Tests if medically indicated, and require a
pre-requisite to anesthesia.
7. Physical Therapy treatments related to a covered
hospitalized case, if delivered at hospital.
8. Homecare services, require the attending physician’s
9. Work related accidents are covered up to USD 5,000 per
10. Genetic cases up to USD 20,000 per year.
-Normal delivery or cesarean section in Mutual Class-MUT up to the 4th month of pregnancy (or 17 weeks) at the date of membership.
- Newborn baby’s nursery as of birth for a maximum period of ten (10) days only.
- Intensive Care Neonatal or Incubator stay (ICN), CMSM will covers only the difference of NSSF/ MOH share on reimbursement basis.
- Screening tests are covered for new born CMSM babies up to USD 100 only.
- Baby male’s circumcision.
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.
o Adherents and/or Beneficiaries are entitled to ten (10) transactions per year.
o New Adherents and/or Beneficiaries, after three (3) months of enrollment date, are entitled only to five (5) transactions in first year.
o Coverage limit 85% per transaction cost.
o Specific In-hospital exclusions and limitations are covered by AM plan.
o Cardiac Ultrasound
o Electrocardiogram - EKG
o Electroencephalogram - EEG
o Laboratory tests
o Stress test
o Others Tests specified in Healthcare Plan - FLAME
o Abdominal-Pelvic Ultrasound
o Electromyogram - EMG
o Evoqued response
o Holter monitoring
o MRI, C.T. Scan and PET scan after six (6) months of enrollment date.
o Nuclear medicine tests
o Ocular Angiography
o Testicular Pelvic Echo Doppler
o Thallium Myocardial Scintigraphy
o Tuberculin test
o Genetic Tests are covered up to 500$ per year.
o Osteodensitometry is covered for adherents/beneficiaries aged fifty (50) years and above
once per Membership Schedule year.
o Pre-Marital tests are covered on reimbursement basis with a Certificate/proof documents
o Toxoplasmosis tests are covered four (4) times per pregnancy if results are showing lack of
o Mammography and Breast Ultrasound.
o Osteodensitometry as of forty five (45) years old
o PSA Total and Free
o Vitamin D.
o Ambulatory treatments are covered based on medical indication and International Medical Guidelines.
o Argon Laser
o Laser Photocoagulation
This plan covers Adherents and/or Beneficiaries worldwide when travelling for personal or leisure reasons not exceeding a period of 31 consecutive days. This plan does notcover any trip for professional or therapeutic reason.
o Travel Information Service (Free of charge)
o Referral to Medical Correspondents Abroad (Free of charge)
o Long Distance Medical Advice (Free of charge)
o Delivery of Urgent Messages (Free of charge)
o Evacuation & Repatriation (Up to USD 50,000)
o Repatriation of Mortal Remains (Up to USD 50,000)
o . Medical Expenses and Hospitalization Abroad (Up to USD
o Transportation to Join Member (Round Trip Ticket)
o Return of Dependent Children (One-Way ticket)
o CMSM shall cover only reasonable medical emergency
expenses as well as resulting
hospitalization costs, up to the limit of USD 50,000, per
person per claim according
to the minimal and standard conditions of hospitalization of
the country where
adherent/beneficiary is being treated.
o CMSM shall cover emergency expenses following an
accident or sudden illness (as defined above) as well as resulting hospitalization costs.
Documents required in accordance with the Assistance Company’s agreement to covering the occurred
accident or sudden illness, adherent/beneficiary must submit the original copies of the
following supporting documents:
CMSM offers a specific medical plan for the Clergy in Lebanon that includes benefits such as:
Enrolment to this Clergy Medical Plan cannot be considered final without prior
approval from CMSM based on the underwriting process results.