Question 1

What is expat health insurance?

Accepted Answer

Expat health insurance is designed to cover financial liabilities incurred by expatriates while living and working in a country other than one's own. Keep in mind that you should obtain your expat health insurance prior to relocating to a new destination or country.

If you are an expat working in Lebanon, then you must take an expat health insurance for your own safety. With the right kind of expat health insurance policy, you’ll be covered for emergencies and unforeseen situations.

Question 2

What is generally covered in an expat health insurance policy?

Accepted Answer

While it may vary from one insurance provider to another, an expat health insurance policy usually covers the following components:Medical consultations: cover for visits to general practitioners or specialists in specified clinics and hospitals.Hospitalization expenses: Cover for expenses related to hospital stays including room charges, surgical procedures, nursing care, and medical supplies.Emergency medical treatment: Cover for emergency medical care resulting from accidents, injuries, or sudden illnesses.Medication: cover for costs of prescribed medications – but can vary depending upon the terms and conditions of each expat health insurance policy.Diagnostic tests and lab services: Cover for various diagnostic procedures such as blood tests, X-rays, MRIs, and ultrasound.Pre-existing conditions: Depending upon the expat health insurance policy, coverage for pre-existing medical conditions may be included after a certain waiting period. But this is only applicable in certain policies.Maternity care: Some expat health insurance policies cover for prenatal, delivery, and postnatal care.Emergency medical evacuation: Cover for cost of transportation to the nearest appropriate medical facility in case of a medical emergency.Repatriation of mortal remains: Cover for the cost of returning the insured person’s body to their home country in case of death.It is important to understand that each policy has its own inclusions and exclusions. It is advisable to carefully go through the fine print of your expat health insurance policy.

Question 3

What is usually excluded from an expat health insurance policy?

Accepted Answer

Certain situations may not be covered by an expat health insurance policy. They include:Cosmetic procedures: Elective cosmetic procedures like plastic surgery for non-medical reasons.Pre-existing conditions: Many expat health insurance policies impose a waiting period for pre-existing conditions. During this period, the expenses related to pre-existing conditions may not be covered in your expat health insurance policy.Experimental treatments: Treatments that are considered experimental or investigational.Substance abuse: Treatment for substance abuse or addiction.War or acts of terrorism: Medical expenses resulting from acts of civil unrest, war, or any acts of terrorism.Alternative therapies: Certain alternative therapies like acupuncture, acupressure, and naturopathy.Self-inflicted injuries or harm: Treatment for injuries resulting from intentional harm, self-inflicted injuries, or participation in illegal activities.Mental health disorders: Cover for mental health conditions may have limitations or waiting periods. Most expat health insurance policies offer limited coverage for mental health conditions.Preventive and routine care: Routine check-ups, vaccinations, preventive screenings, and health maintenance services may not be covered under certain expat health insurance plans.

Question 4

What documents do I need to buy expat health insurance in Lebanon?

Accepted Answer

Here’s the list of the most commonly asked documents you would need to get expat health insurance in Lebanon:Complete application formProof of identity (Passport or National ID)Medical historyProof of employment or sponsorshipProof of residenceMedical examination reportsVisa or work permitDocumentation requirements may vary from company to company depending on factors such as nationality, age, and gender.

Question 5

How can I renew my expat health insurance in Lebanon?

Accepted Answer

Renewing your expat health insurance policy online is simple with Compare360 Lebanon. Just key in your passport details, your policy number, and any other required details (like age, weight, and height) to make an online payment. Receive a soft copy of the policy in your inbox. You can also call us at +961 81 444 360 to get support from our insurance experts every step along the way. In case your expat health insurance requirements have changed, our experts can also help you issue a new policy.

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