Healthcare
protection,
shared.
Since 1992, CMSM has protected Lebanese families against medical risk, pooling resources to deliver quality care and hospitalisation at a fair cost, guided by the enduring principles of mutuality.
Estimate your annual contribution.
Answer a few questions and we’ll price your subscription against CMSM’s live rates. Payments can be split into eight monthly settlements with zero interest; an official quote follows from our underwriting team.
How would you like to subscribe?
CMSM covers single individuals and entire families. You can add spouse and children in the last step.
Choose your class of coverage.
Class A offers higher benefit ceilings; Class MUT (Mutual) is the entry tier; both share the same provider network.
Family assistance and school aid apply to Class MUT family subscriptions only. School aid additionally requires the ambulatory add-on on a renewal.
Who is being covered?
Contributions are priced per person by age, so we need each date of birth. Names are optional; they only help you read the breakdown.
How the total is composed, per covered person. Amounts are in USD and come directly from CMSM’s rate table.
| Member | Age | Plan | In-hospital | Ambulatory | Aids | Total |
|---|
Solidarity, in motion.
The CMSM TVC: a short film about the families and communities we’ve been protecting for more than three decades, and the mutual spirit that connects them.
A mutual fund built on solidarity.
The Caisse Mutuelle Socio-Médicale was founded in 1992 as a non-profit organisation with a single purpose: to provide healthcare coverage and to protect its adherents against every kind of medical risk.
Our mission is to spread the spirit of mutuality in Lebanon by delivering excellent service, without ever losing sight of cooperative principles and mutual values. Today, more than 100,000 adherents and beneficiaries make CMSM the country’s leading mutual fund.
Every plan, one enduring promise.
Every CMSM membership pools resources with tens of thousands of Lebanese families, giving each adherent access to a broad network of hospitals, diagnostic centres and specialists at a fraction of the retail cost.
Benefits every policy carries.
Beyond the plan you subscribe to, every CMSM membership carries these benefits free of charge: nothing extra to pay, nothing extra to sign.
Travel Coverage
Worldwide emergency medical assistance and hospitalisation for personal trips of up to 31 consecutive days.
Life Coverage
Life protection for every adherent, included at no additional cost with the membership.
Telehealth Consultations
Speak to a doctor remotely, by video or phone, whenever you need advice, free with your policy.
Twelve reasons families have chosen us for 33 years.
From family assistance and scholarships to travel coverage and payment facilities: every benefit is designed to lighten the burden on Lebanese households, not the balance sheet.
Non-Profit Organization
CMSM is a non-profit organization that aims to spread the spirit of mutuality in Lebanon by delivering an excellent medical service.
Main Offices
Our main offices are located in Zouk Mosbeh-Adonis. You can reach us from 8:30 am till 3:00 pm on + 961 9 225547.
Family Assistance
Family assistance is granted for 2nd child and above (age up to 17 years old for MUT class), starting the 1st year.
Scholarship for children
Scholarship is granted for all children (age between 4 and 17 for MUT class), starting the 2nd year
CMSM Leader Mutual Fund
More than 100,000 adherents and beneficiaries makes CMSM number one (1) Mutual Fund in Lebanon.
Payments Facilities
Payments could be installed into eight (8) monthly settlements with zero (0) interest.
Marriage Gift
A free policy is granted for adherents who get married during their adherence to CMSM upon renewal.
Free Coverage of Newborn
New born babies born under CMSM plan are covered as of day 0 of birth and granted a free coverage till expiry date of the parent’s membership.
Providers network
We have an extended network of healthcare providers all over the Lebanese territories.
Traveling Coverage
A built-in travel coverage is given within CMSM membership for a maximum of 31 consecutive travel days.
Morgue and Burial contribution
A morgue and burial contribution is granted to the family after the death of a family adherent member.
Your membership, in your pocket.
MyCMSM is the official CMSM app for adherents, free on iPhone and Android.
Talk to us.
We would love to hear about your experience with CMSM: questions, feedback, or a request for coverage. Every message reaches a real person on our team.