AFHIL Health Insurance Plan – Full Network (Horizon)
Comprehensive health coverage through GlobeMed Lebanon with unlimited hospitalization coverage and full network access.
I. Hospitalization Coverage
Main Coverage Benefits
- Unlimited hospitalization coverage
- 24/7 PTS ambulance services
- Nursery and incubator coverage for newborns
- $30,000 coverage for stents and prostheses per admission
- Hernia surgery mesh coverage
- Epidural injection for maternity
- Cornea transplant coverage
- Bone marrow coverage up to $60,000 lifetime limit
- Maternity complications coverage
- Coverage of congenital conditions not previously diagnosed or treated
- Continuity of coverage from previous insurer
- $2,000 funeral expense benefit in case of hospital death
- Parental accommodation coverage
- COVID-19 coverage up to $10,000
- VCT 64 coverage instead of Coronaro and PET Scan
- Additional coverage within Armenian networks
- Infertility treatments (Varicocele, Hysteroscopy, Celioscopy)
- Chemotherapy and radiotherapy coverage
- Physiotherapy related to covered hospitalization
- Emergency medical expenses
- Work accident coverage
- Road accident coverage
II. Guaranteed Renewability (GR)
The plan includes Guaranteed Renewability (Perpetual Plan) from day one up to age 45.
Members aged 46 and above become eligible after completing one year of coverage,
provided they do not suffer from chronic diseases.
III. Provider Network
Full Network Access
Access to all hospitals and healthcare providers within the GlobeMed Lebanon Network.
IV. Outpatient & Diagnostic Coverage
Outpatient Benefits
- Hospital and private laboratory access
- X-rays
- Laboratory tests
- ECG
- Scanners
Ambulatory Services (Lebanon Only)
- Access to laboratories, diagnostic and physiotherapy centers
- Unlimited transactions per year
- Cardiac thallium scintigraphy
- Abdomino-pelvis ultrasound
- PET Scan coverage
- VCT 64 coverage
V. Additional Benefits
- Home medical equipment support
- AFHIL Health Club member services
- Worldwide travel insurance for up to 3 months (up to age 70)
- Electronic medical records
- Second Medical Opinion (Telemedicine)
- A.R.C Boulghourdjian dispensary services
VI. Info-Santé 24/7 Support
Health Information Services
- Information about symptoms, diseases and health conditions
- Guidance on medical tests and procedures
- Prescription medication information
- Disease prevention and management advice
- Self-care and wellness guidance
- Medical specialty recommendations
- Travel health information
Administrative Assistance
- Explanation of covered services
- Coverage and claims procedure guidance
- Administrative support and assistance
AFHIL Health Insurance Plan (Limited Network)
Coverage provided through GlobeMed Lebanon.
I. Hospitalization Coverage
Main Coverage Benefits
- Financial coverage up to $150,000
- 24/7 PTS ambulance services
- Nursery and incubator coverage for newborns
- $30,000 coverage for stents and prostheses per admission
- Hernia surgery mesh coverage
- Epidural injection for maternity
- Cornea transplant coverage
- Bone marrow coverage up to $60,000 lifetime limit
- Maternity complications coverage
- Coverage of congenital conditions not previously diagnosed or treated
- Continuity of coverage from previous insurer
- $2,000 funeral expense benefit in case of hospital death
- Parental accommodation coverage
- COVID-19 coverage up to $10,000
- VCT 64 coverage instead of Coronaro and PET Scan
- Additional coverage within Armenian networks
- Infertility treatments (Varicocele, Hysteroscopy, Celioscopy)
- Chemotherapy and radiotherapy coverage
- Physiotherapy related to covered hospitalization
- Emergency medical expenses
- Work accident coverage
- Road accident coverage
II. Guaranteed Renewability (GR)
The plan automatically offers Guaranteed Renewability (Perpetual Plan)
from the first year of coverage up to age 45. Members aged 46 and above
become eligible after completing one year of coverage and provided they
do not suffer from chronic diseases.
III. Provider Network
Limited Network
Access to all hospitals within the GlobeMed Lebanon Healthcare Providers Network,
excluding AUH, CMC, Rizk, and Bellevue hospitals.
IV. Outpatient & Diagnostic Coverage
Outpatient Benefits
- Private laboratory access
- X-rays
- Laboratory tests
- ECG
- Scanners
Ambulatory Services (Lebanon Only)
- Access to network laboratories and diagnostic centers
- Unlimited transactions per year
- Cardiac thallium scintigraphy
- Abdomino-pelvis ultrasound
- PET Scan coverage
- VCT 64 coverage
V. Special Benefits
- Home medical equipment
- AFHIL Health Club member services
- Free worldwide travel insurance (up to 3 months, age 70)
- Electronic medical file
- Second Medical Opinion (Telemedicine)
- A.R.C Boulghourdjian dispensary services
VI. Info-Santé 24/7 Health Support
Health Information Services
- Symptoms, diseases and health conditions
- Medical tests and procedures
- Prescription medication information
- Disease prevention and management
- Self-care guidance
- Medical specialty referrals
- Travel health advice
Administrative Support
- Explanation of covered services
- Coverage and claims procedures
- Administrative assistance
