Health insurance
Fidelity health plans, compared
Four plans on one network. What separates them is which hospitals you can walk into and how far the limits go.
Fidelity
- Administrator
- MedNet Liban
- Territory
- Lebanon
- Last entry age
- 65 years
- Policy fee
- $30
- Tariff effective
- 1 April 2026 · 1 July 2026 for Smart Care
The four plans
- Prime CareClass A, B & SPFull networkFull network — nothing excluded
- Smart Care +Class A, B & SPFull network, minus two hospitalsOutside the network
- CMC
- BMC
- Smart CareClass A, B & SPFull network, minus three hospitalsOutside the network
- AUBMC
- CMC
- BMC
- Essential CareClass SP onlyFull network, minus six hospitalsOutside the network
- AUBMC
- CMC
- KMC
- BMC
- Rizk
- St. John
Where they differ
| Prime Care | Smart Care + | Smart Care | Essential Care | |
|---|---|---|---|---|
| Cancer treatment | Up to $100,000 / year | Up to $100,000 / year | Up to $100,000 / year | Up to $100,000 / year |
| Newborn (outside covered maternity) | A & B up to $20,000 · SP up to $15,000 | A & B up to $20,000 · SP up to $15,000 | Up to $10,000 / year | Up to $5,000 / year |
| Incubator | Up to $50,000 (A & B) · $30,000 (SP) | Up to $50,000 (A & B) · $30,000 (SP) | Up to $15,000 per delivery | Up to $15,000 per delivery |
| Internal prosthesis (post-sickness) | A up to $30,000 · B & SP up to $20,000 | A up to $30,000 · B & SP up to $20,000 | A up to $15,000 · B & SP up to $10,000 | SP up to $15,000 |
| Organ transplantation | A $60,000 · B $40,000 · SP $20,000 | A $60,000 · B $40,000 · SP $20,000 | SP up to $20,000 | SP up to $20,000 |
| Bariatric surgery | A $7,000 · B $5,000 · SP $3,000 | A $7,000 · B $5,000 · SP $3,000 | Not stated in the benefits table | Not covered |
| Infertility treatment | Up to $15,000 (excludes IVF / ICSI) | Up to $15,000 (excludes IVF / ICSI) | Up to $15,000 (excludes IVF / ICSI) | Up to $3,000 (excludes IVF / ICSI) |
| Genetic tests | Up to $1,000 | Up to $1,000 | Up to $1,000 | Not covered |
| Psychotic disorders | Up to $15,000 per person / year | Up to $15,000 per person / year | Up to $15,000 per person / year | Up to $15,000 per person / year |
Terms that apply to every plan
- Pre-existing and chronic — in-hospital
- Covered after a 12-month waiting period (3 months for coronary artery disease, new adherents)
- Pre-existing and chronic — out-patient
- Covered after a 3-month waiting period
- Maternity
- 9 months if the wife is insured with her husband · 12 months if insured alone
- Observation period
- The first 180 days from enrolment
- Epidemic and pandemic
- Up to $30,000 per insured per contractual period
- In-network
- 100% direct billing, per policy terms
- Out-of-network
- Emergency 100% on reimbursement (notify within 48 hours) · elective 80% with prior approval
- Claim submission deadline
- 15 days from discharge in Lebanon · 30 days outside Lebanon
- Local ambulance
- Up to $100 on a reimbursement basis
These are the insurer's published benefits, summarised, and are subject to the full policy wording. Premiums change — message us for a current price before you rely on any figure.