CMSM accepts only people whose age is between 0 and 65 years old.
The beneficiary's age is calculated by subtracting the year of birth from the year during which the subscription to CMSM becomes valid.
- Normal Delivery or Cesarean Section in Mutual Class-MUT up to the 4th month of pregnancy (or 17 weeks) at the date of membership.
- Epidural.
- 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 cover up to 5,000 USD.
- Screening tests are covered for new born CMSM babies up to USD 100 only.
- Baby male’s circumcision.
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
of marriage.
o Toxoplasmosis tests are covered four (4) times per pregnancy if results are showing lack of
immunity.
o Ambulatory treatments are covered based on medical indication and International Medical Guidelines
o Argon Laser
o Laser Photocoagulation
o Physiotherapy
o Kinesitherapy
o Mammography and Breast Ultrasound
o Osteodensitometry as of forty five (45) years old
o PSA Total and Free
o Vitamin D
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 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.
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.
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:
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.
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 50,000)
o Transportation to Join Member (Round Trip Ticket)
o Return of Dependent Children (One-Way ticket)
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.
Enrolment to this Clergy Medical Plan cannot be considered final without prior
approval from CMSM based on the underwriting process results.
CMSM offers a specific medical plan for the Clergy in Lebanon that includes benefits such as:
