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
Main Offices
Family Assistance
Scholarship for children
CMSM Leader Mutual Fund
Payments Facilities
Marriage Gift
Free Coverage of Newborn
Providers network
Traveling Coverage
Morgue and Burial contribution
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.