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.
CMSM accepts individuals between 0 and 65 years of age.
The beneficiary's age is calculated by subtracting the year of birth from the year during which the subscription to CMSM becomes valid.
OUR BENEFITS
Financial Coverage: CMSM covers a total amount for each member and/or beneficiary in one contractual year, up to:
USD 150,000 for Class MUT
USD 200,000 for Class A
General Conditions
INFERTILITY: Covered:
Class A: Up to USD 2,000 per year.
Class MUT: Up to USD 1,500 per year.VARICOCELE: Covered. If related to infertility it will be covered:
Class A: Up to USD 2,000.
Class MUT: Up to USD 1,500.DIALYSIS Sessions for Acute Renal Failure only during initial admission till discharge.
CMSM also covers the three preparatory dialysis sessions for the treatment of chronic renal impairment through the first admission before starting the chronic dialysis sessions.ARTERIO VENOSTOMY: Up to USD 1,500 once per year.
COSMETIC AND PLASTIC SURGERIES: Following an accident within upmost 6 (six) months of the accident and before the membership expiry date.
BREAST RECONSTRUCTION Following a Mastectomy due to breast cancer:
Class A: Up to USD 2,000.
Class MUT: Up to USD 1,500.ALL RELATED SLEEP APNEA PROCEDURES: Up to USD 1,500 per year.
BLOOD TRANSFUSION PREPARATION TESTS & PROCEDURES: Covered if medically indicated.
WEIGHT CONTROL PROCEDURES, GASTROPLASTY, ANY TREATMENT FOR OBESITY:
Up to USD 3,000 per year if medically indicated and as per BMI and subject to SMO if necessary.
Follow up tests and complications to be included within the limitation.COVID-19 HOSPITALIZATION AND COMPLICATIONS: Up to USD 10,000 per year.
CARDIO VASCULAR TREATMENTS such as Open Heart Surgery, Coronarography, and other Cardio-Vascular treatments require three (3) months waiting period.
PROSTHESIS per organ case per surgery:
Class A: Up to USD 10,000.
Class MUT: Up to USD 8,000.
Up to USD 15,000 for post traumatic.WORK RELATED ACCIDENTS: Up to USD 5,000 per accident.
GENETIC DISEASES: Up to USD 20,000 per year.
HUMAN BONE GRAFT: Up to USD 4,000 per year for Class A/MUT.
BONE MARROW TRANSPLANTATION: Up to USD 10,000 per year for Class A/MUT (including the treatments and complications related to the transplantation).
CORNEAL TRANSPLANTION PROCEDURE: Covered without the cornea price.
MENTAL DISORDERS: Up to USD 2,500 per year.
PALLIATIVE CARE: Up to USD 5,000 per year.
Congenital Cases
26 Congenital cases for CMSM babies are covered.
Other Congenital cases for CMSM babies are covered up to USD 5,000.
Prematurity is covered up to USD 5,000.
Congenital cases for babies not born under CMSM are covered up to USD 5,000 till the age of 12 years starting the second year of enrollment.
Congenital cases for adults (> 12 years old) are covered Up to USD 5,000 starting the 5th year of enrollment.
Maternity Coverage
Normal Delivery or Cesarean Section in Mutual class up to the 4th month of pregnancy (or 17 weeks) from the date of membership.
Medically mandated abortion and miscarriage: Covered if medically indicated.
Epidural: Covered.
Newborn baby’s nursery as of birth: Covered for a maximum period of ten (10) days only.
Intensive Care Neonatal or Incubator stay (ICN): Covered up to USD 5,000.
Screening tests: Covered for new born CMSM babies up to USD 100 only.
Baby male’s circumcision: Covered.
One pediatric consultation: Covered.
Transient neonatal jaundice: Covered.
Other Conditions
All treatments of health conditions that cannot be managed on Ambulatory basis and that are medically indicated, Usual, Reasonable, Customary and accepted by the Lebanese Ministry of Public Health (MOH) and FDA approved: Covered.
Emergency Room Treatment: Covered if the case meets the ER criteria and guidelines.
Clinical Procedures: Covered.
In as Out Procedure such as endoscopic procedures, radiotherapy, excision of lymph node, biopsies, etc.: Covered if medically indicated.
One day room unit: Small surgeries and other treatments such as chemotherapy, etc.
All laparoscopic surgical procedures: Covered for usual procedures.
Pre-Operative Tests: Covered when medically indicated and required before anesthesia.
Physical Therapy treatments: Covered if related to a covered hospitalized case, and delivered at the hospital.
Homecare services: Require the attending physician’s prior approval.
Death: In the event of the death of the member/ beneficiary, CMSM shall pay the heirs of the deceased a maximum amount of (USD 500) as refrigeration and burial expenses, provided that these heirs submit in writing, within two months from the date of death, a declaration of death attached to all documents (extraction of a crossed out family record, death certificate, inheritance limitation statement in case of necessity, etc.)
Hospitalization coverage after expiry date: If the adherent was admitted to the hospital during the policy validity period and the policy expired without renewal, coverage continues for up to 10 days.
CMSM Ambulatory Healthcare plan (AM) is an optional plan, that covers diagnostic tests and outpatient treatments without requiring hospital admission.
OUR BENEFITS
General Conditions
Adherents and/or Beneficiaries are entitled to ten (10) transactions per year.
New Adherents and/or Beneficiaries, after three (3) months of enrollment date, are entitled only to five (5) transactions in first year.
Coverage is limited to 85% of the cost per transaction.
Specific In-hospital exclusions and limitations are covered by AM plan.
Maternity
Double test: Covered.
Triple test: Covered.
Obstetrical ultrasound: Up to 3 per pregnancy.
Morphological ultrasound: Covered once per pregnancy.
Amniocentesis: Covered.
NIPT: Covered based on medical indication.
Diagnostic Tests Subject to TPA's prior approval
Abdominal-Pelvic Ultrasound.
Calcium Score.
Electromyogram - EMG.
Evoked response.
Holter monitoring.
MRI, C.T. Scan and PET scan after six (6) months from the enrollment date.
Nuclear medicine tests.
Ocular Angiography.
Testicular Pelvic Echo Doppler.
Thallium Myocardial Scintigraphy.
Tuberculin test.
VCT 64.
Genetic tests: up to 500 USD per year.
Online Diagnostic Tests
Audiogram.
Cardiac Ultrasound.
Electrocardiogram - EKG.
Electroencephalogram - EEG.
Usual Laboratory tests.
Radiology tests - Ultrasounds.
Stress test.
COVID-19 related tests: Covered within limitation applied on Covid-19 cases excluding PCR and rapid test.
Treatments
Ambulatory treatments are covered based on medical indication and International Medical Guidelines.
Argon Laser.
Laser Photocoagulation.
Physiotherapy based on internal guidelines.
Kinesitherapy.
Routine Check up
Mammography and Breast Ultrasound.
Osteodensitometry from 45 years of age.
PSA Total and Free.
Vitamin D.
Other Features
Genetic Tests are covered up to USD 500 per year.
Pre-Marital tests are covered on reimbursement basis upon submission of a marriage certificate.
Toxoplasmosis up to four times per pregnancy, when the results indicate a lack of immunity.
CMSM offers a specific medical plan for the Clergy in Lebanon that includes benefits such as:
In Hospital plan for any medical case requiring hospitalization.
Ambulatory plan for all laboratory, radiology tests as well as physiotherapy sessions.
Prescription Medicines plan for chronic and acute treatments throughout the year (optional).
Enrolment in this plan cannot be considered final without prior approval from CMSM based on the underwriting process results.
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:
Up to 4 ER consultations , 1 psychiatric consultation and 1 specialist consultations per year.
Apply Now
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.
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 |
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