Published on: 1/08/2024
No one plans to get sick or hurt, but most people need medical care at some point. However, with the correct medical treatment and care, the person can recover in no time. But things are never always so simple for many people. The main problem starts when the patient is unable to pursue further treatment due to a lack of funds.
How Does the Lebanese Healthcare System Work?
In Lebanon, health insurance can be secured either through private providers or be provided by the government. The healthcare standards in many hospitals, particularly those in the capital Beirut and in other urban areas, are on par with many hospitals elsewhere in the Middle East and in Europe.
However, access to public healthcare can be difficult and the quality of care and waiting times in some public hospitals can be poor due to both demand and inconsistencies in the system. As a result, many Lebanese citizens choose to supplement their public entitlement with a private healthcare package.
There are three main health insurance in Lebanon providers funded by the Government:
1- National Social Security Fund (NSSF): essentially a service for workers who contribute to a National Social Security Fund. This allows Lebanese citizens to access public and private healthcare facilities in the country, where they typically will be required to pay for their treatment upfront and then seek reimbursement from the fund.
2- Ministry of Public Health – insurer of last resort: The MOPH funds the hospitalization costs for any citizen who is not covered under a public insurance plan. This coverage is independent of the income and assets of the individual.
3- Miscellaneous public sector funds: to cover military forces, security forces, Judges and Governmental civil servants with their dependents and their parents.
The Importance of Private Health Insurance in Lebanon
With Lebanon's economic crisis, the lack of coverage even extends to most people. Even State-run schemes, including the National Social Security Fund (NSSF), can no longer afford to cover overwhelming medical costs in foreign currency. private health insurance – the country’s sole remaining source of healthcare coverage has become even more exclusive than ever.
If you’re planning to live in Lebanon, ensure you have adequate private health cover with INSURIA Health plans.
Benefits of Health Insurance in Lebanon
The benefits of having health insurance are many, especially in a country like Lebanon?
Let’s dive into this a bit. Health insurance is:
Access to Quality Healthcare:
In Lebanon, private hospitals and clinics often have better facilities and more advanced medical equipment compared to public hospitals. Health insurance allows individuals to access these private healthcare services, ensuring they receive timely and high-quality medical care.
Financial Protection:
Medical treatments, surgeries, and hospital stays can be very costly. Health insurance helps cover these expenses, preventing individuals from facing financial hardship due to unexpected medical bills. This is especially important in Lebanon, where the cost of healthcare can be high.
Preventive Care:
Health insurance plans often include coverage for preventive services such as vaccinations, screenings, and regular check-ups. These services help detect health issues early, when they are easier and less expensive to treat, leading to better health outcomes.
Peace of Mind:
Knowing that you have health insurance can provide peace of mind. It reduces the stress and anxiety associated with potential medical emergencies and the financial burden they can bring. This mental peace is crucial for overall well-being.
Comprehensive Medical Coverage:
Health insurance typically covers a wide range of medical services, including doctor visits, hospital stays, surgeries, prescription medications, and emergency care. This comprehensive coverage ensures that individuals receive the necessary medical attention without worrying about the costs.
Support for Chronic Conditions:
For individuals with chronic illnesses such as diabetes, hypertension, or asthma, health insurance provides ongoing access to necessary treatments, medications, and specialist consultations. This continuous support is vital for managing chronic conditions effectively.
Encourages Healthier Lifestyles:
Health insurance plans often include wellness programs and incentives for healthy behaviors. These programs can encourage individuals to adopt healthier lifestyles, such as regular exercise, healthy eating, and quitting smoking, which can lead to better long-term health.
Economic Stability and Productivity:
Widespread health insurance coverage can contribute to economic stability. When individuals are protected from catastrophic medical expenses, they are less likely to fall into poverty due to health-related financial crises.
Family Coverage:
Health insurance plans often offer options to cover family members, ensuring that the entire family has access to necessary medical care. This is particularly important in Lebanon, where family ties are strong, and taking care of family health is a priority.
In Summary …
In these economically difficult times, if you are individual or a business, health insurance is more than a financial safety net—it’s a promise of security and peace of mind. Imagine the comfort of knowing that you and your loved ones have access to the best medical care, without the fear of overwhelming costs.
You can check out the health insurance plans by Insuria as it comes with several options that can highly benefit you and your dependents. Once you have a Insuria health insurance policy in your name and in your dependents’ name, you can make use of it whenever required. It even provides round-the-clock customer care services, so if you have any questions regarding your policy, you can contact customer care and get your issues resolved in no time.
Insuria also offers specially designed health insurance for expatriates. You can check out the policy and the coverages that are included to know the benefits of having health insurance from Insuria. If you wish to put more options, you can do so too. Now, if you are an employer and you are looking out for a policy for your employees, then you can check out the plans offered by Insuria. The corporate plans are also created to offer maximum benefit to employees. Understanding health insurance policies by Insuria is easy. However, if you still have any doubt you can always contact us to get thorough assistance.
