Panacea Essential

In-Patient Covers

• Hospitalization Limit: Unlimited As per GR Lifetime number of days (Max 720 days)
• Network: Lebanon only as per limited network (Excluding AUBMC & CMC)
• Passive War and Terrorism: Covered
• Pre-existing cases: 6 months waiting period
• Workmen Compensation: Not Covered
• Internal Prosthesis: $10,000 per case per year if due to sickness or accidents
• External Prosthesis: Not Covered
• Maternity Coverage: 365 days waiting period for Normal or Cesarean
• Newborn Child: Covered from day zero, additional premium applies
• Incubator: Covered up to $5,000 per delivery
• Congenital cases: Lifetime limit of $15,000 per insured 
• Congenital cases (for babies born under a different medical insurance contract): lifetime limit of $5,000 per person
• Clinical Surgeries: Covered on reimbursement basis
• Parental Accommodation: Covered when patient is under 18 years of age
• Nursing at Home: Covered if less expensive and replacing Hospitalization, subject to prior approval.
• Organ Transplantation: Lifetime Limit of US$ 15,000 per Insured per case with 12 months waiting period
• Breast Reconstructive Surgery: Lifetime limit of $3,000 per insured if due to a covered cancer case and performed within 6 months
• Morgue and Burial expenses: Covered up to US$ 2,000 if death occurs during a covered hospitalization case
• Sleep Disorders & Polysomnography: Not Covered
  
• Psychiatry, Mental disorders, Nervous breakdowns, psychological tests or evaluation: Not Covered
  
• Infertility: Covered up to US$ 2,500 per Insured per year excluding In-vitro Ex-Vitro, ICSI or any other artificial insemination.
• Sexually Transmitted Diseases: Not Covered
• Hemodialysis: First Sessions are covered only during first admission
• Chronic diseases (Cancer, Diabetes, Cardiac, Multiple sclerosis…): Covered as per policy Particular and General conditions
  
• Epidemic /Pandemic Diseases: Covered up to US$ 30,000
  
• Parkinson treatment (excluding surgery): Not Covered
• Bariatric Surgery: Not Covered
• Samu du Liban service The 1st pre-hospital emergency medical care in Lebanon
  Service Granted for Free for all insured members. Download SAMU du Liban mobile app, fill the profile and get 24/7 assistance in case of emergency.
• Epilepsy: Unlimited
• New and unconventional treatment: Not Covered
• Scoliosis: Unlimited
  
• Prostate HIFUS procedure: Not Covered
• Preventive breast ablation and reconstruction: Not Covered
• Sports Accidents: Not Covered
  
• Rehabilitation boarding: Not Covered

Ambulatory Covers Cover Panacea Ultra 

• Ambulatory Limit: $2,500 per insured per year
  
• Physiotherapy: Up to 25 sessions per insured per year. If outside network covered on reimbursement basis and up to $25 per session
  
• Diagnostic tests: Covered
• MRI: Covered
• CT-Scan: Covered
• Pet Scan: Covered, if requested for a covered cancer case
• Pre-marital tests: Not Covered
• Morphological Ultrasound: Covered for a covered delivery
• Double, Triple, or Quadruple tests: Covered for a covered delivery
• Amniocentesis: Covered for a covered delivery
• Guthrie Test: Covered
• Genetic Tests: Not Covered
• STD tests: Not Covered
• Amnisure test: Not Covered
• NIPT: Not Covered
• Calcium score test: Not Covered

Subject to particular conditions explicitly stipulated in policy schedule page 1 and accepted census list under section “DETAILS OF SPECIAL LIMITATIONS / EXCLUSIONS”.