Panacea Ultra

In-Patient Covers

• Hospitalization Limit: Unlimited As per GR Lifetime number of days (Max 720 days)
• Network: Worldwide for 1st class members for accidental and medical emergency cases only and if not pre-existing (Travel Assist). For other classes reimbursed as per Lebanese Tariffs.
• Passive War and Terrorism: Covered
• Pre-existing cases: 6 months waiting period
• Workmen Compensation: Covered
• Internal Prosthesis:
  • $ 30,000 per prosthesis per year if due to sickness
  • 100% if due to accident
• External Prosthesis: Up to $1,000 excluding hearing aids and optical
• Maternity Coverage:
  • 300 days waiting period for Normal or Cesarean
  • 365 days if Husband is not covered within the same policy.
• Newborn Child: Covered from day zero Free of charge for the remaining contractual period
• Incubator: Covered irrespective of the period of stay of the mother
• Congenital cases: Covered
• Congenital cases (for babies born under a different medical insurance contract): Covered if not known nor treated before adherence
• Clinical Surgeries: Covered on reimbursement basis
• Parental Accommodation: Covered when patient is under 18 years of age
• Nursing at Home: Covered if less expensive and replacing Hospitalization, subject to prior approval.
• Organ Transplantation: Lifetime Limit of US$ 50,000 per Insured per case with 12 months waiting period
• Breast Reconstructive Surgery: Covered 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: Covered with 12 months waiting period
  
• Psychiatry, Mental disorders, Nervous breakdowns, psychological tests or evaluation (All kinds of Rest Cures, Sanatoriums, or special Psychiatric Hospitals remain not covered): Covered up to US$ 10,000 per year in a recognized psychiatric unit of a hospital, under the supervision of a registered psychiatric
  
• Infertility: Covered up to US$ 10,000 per Insured per year excluding In-vitro Ex-Vitro, ICSI or any other artificial insemination.
• Sexually Transmitted Diseases: USD 7,500 per Insured per year
• 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$ 50,000
  
• Parkinson treatment (excluding surgery): Covered
• Bariatric Surgery: Covered when medically mandated BMI >40 kg/m2 subject to 12 months waiting period up to:
  • Class A: US$ 7,500
  • Class B: US$ 5,000 
  • Class C: US$ 2,500
• 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: Covered up to the cost of regular treatment/surgery
• Scoliosis: Unlimited
  
• Prostate HIFUS procedure: Covered
• Preventive breast ablation and reconstruction: Covered up to USD 3,000 subject to medical necessity
• Sports Accidents: Covered if not extreme and not practiced professionally
  
• Rehabilitation boarding: Covered up to USD 10,000 per Insured per year if post trauma or cardiac

Ambulatory Covers Cover Panacea Ultra 

• Ambulatory Limit: Unlimited
  
• Physiotherapy: Unlimited number of sessions 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: 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: Covered up to US$ 1,500
• STD tests: STD including HIV Covered once under OUT up to US$ 250 per Insured per year
• Amnisure test: Covered
• NIPT: Covered once per pregnancy subject to medical necessity
• Calcium score test: Once per year subject to medical necessity

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