الرئيسية · شركات التأمين · Arabia
تأمين Arabia في لبنان: البرامج، المنافع، والسعر
البرامج التي نُقارنها لهذه الشركة من تعرفتها الحالية. الأسعار تُحتسب في الحاسبة حسب سيارتك أو أعمار عائلتك.
قارن أسعار تأمين السيارات الآن قارن أسعار التأمين الصحي الآنبرامج تأمين السيارات (6)
خسارة كلية
ARABIA TOTAL LOSS
Arabia Total Loss plan, private touring vehicles: own damage, fire, theft and hold-up paid only when repairs exceed 65% of market value. TPPD 250,000; PA 5,000 per person; medical 1,500; deductible 10%. Model years 2012+ at 1.30% / 1.50% (min 150.00 / 170.00), 2005-2011 at 1.75% / 2.00% (min 170.00 / 190.00), split at 30,000 car value. Applicable from 01/01/2026, BI excluded.
المنافع
Total Loss · Arabia Insurance
Core Cover
- ✓Own damage, fire, theft and hold-up – Paid only when repairs exceed 65% of market value
- ✓Third-party property damage – 250,000
- ✓Personal accident – 5,000 per person, 25,000 aggregate
- ✓Medical expenses – 1,500 per person, 7,500 aggregate
Additional Benefits
- ✓Deductible theft / hold-up – 10%
- ✓Depreciation on car value – 2% per month for brand-new cars (min 15%), then market or insured value
- ✕SRCC – Excluded
- ✓Road-side assistance – Free for private touring vehicles
Conditions
- ✓Expert report – Mandatory at time of accident
- ✓Model years – 2012+ (YOM > 2011) and 2006-2011 (YOM > 2005) bands
Applicable from 01/01/2026 · Private touring vehicles · Minimum premium USD 150 (2012+, car value < USD 30,000), USD 170 (2012+, > USD 30,000), USD 170 (2006-2011, < USD 30,000), USD 190 (2006-2011, > USD 30,000) · BI excluded
شامل
ELITE
Arabia Elite comprehensive plan, fresh USD, without dealer repair. TPPD 500,000; PA 10,000 per person; medical 2,500. No depreciation on new spare parts: a new part is fitted, a used one only if the new part is not found. Replacement car 7 days, partial theft 2,500, registration fees 7.5%. Minimum premium 655.00; USD 100 excess option gives 30% off. High-end agencies up to 35% loading. Applicable from 01/01/2026, BI excluded.
المنافع
Elite · Arabia Insurance
Core Cover
- ✓Third-party property damage – 500,000
- ✓Personal accident driver and passengers – 10,000 per person, 50,000 aggregate
- ✓Medical expenses – 2,500 per person, 12,500 aggregate
- ✓Depreciation on new spare parts – None: new part, used only if the new part is not found
- ✕Dealer repair – Elite + only, up to 2 model years
- ✓Excess on compulsory – 100,000
- ✓Theft / hold-up deductible – None
Additional Benefits
- ✓Replacement car – 7 days aggregate, excess first 3 days; 350.00 on total loss
- ✓Partial theft – Up to 2,500
- ✓Registration fees – 7.5% of final settlement
- ✓Scratching and denting – Up to 250.00 after 1st renewal
- ✓Natural perils – Included up to market value
- ✓Political violence – Up to 15% of sum insured, max 15,000
- ✓Windscreen – Covered, no effect on NCD
- ✓Female driver transport – Up to 50 km
Conditions
- ✓Additional deductible – 50.00 if licence under 1 year or driver under 21
- ✓USD 100 excess option – 30% discount on rates and minimum premium
- ✓Expert report – Mandatory at time of accident
- ✓Road-side assistance – Free, as per Arabia terms
Applicable from 01/01/2026 · Fresh USD · BI excluded · High-end agencies (Gargour, Porsche Center) up to 35% loading
شامل
ELITE +
Arabia Elite with dealer repair (agency), model years 2025-2026 only. Same covers as Elite: TPPD 500,000, PA 10,000, medical 2,500, no depreciation on new spare parts, replacement car 7 days, partial theft 2,500. Minimum premium 750.00. Applicable from 01/01/2026, BI excluded.
المنافع
Elite + (dealer repair) · Arabia Insurance
Core Cover
- ✓Third-party property damage – 500,000
- ✓Personal accident driver and passengers – 10,000 per person, 50,000 aggregate
- ✓Medical expenses – 2,500 per person, 12,500 aggregate
- ✓Depreciation on new spare parts – None: new part, used only if the new part is not found
- ✓Dealer repair – Included, model years 2025-2026
- ✓Excess on compulsory – 100,000
- ✓Theft / hold-up deductible – None
Additional Benefits
- ✓Replacement car – 7 days aggregate, excess first 3 days; 350.00 on total loss
- ✓Partial theft – Up to 2,500
- ✓Registration fees – 7.5% of final settlement
- ✓Scratching and denting – Up to 250.00 after 1st renewal
- ✓Natural perils – Included up to market value
- ✓Political violence – Up to 15% of sum insured, max 15,000
- ✓Windscreen – Covered, no effect on NCD
- ✓Female driver transport – Up to 50 km
Conditions
- ✓Additional deductible – 50.00 if licence under 1 year or driver under 21
- ✓USD 100 excess option – 30% discount on rates and minimum premium
- ✓Expert report – Mandatory at time of accident
- ✓Road-side assistance – Free, as per Arabia terms
Applicable from 01/01/2026 · Fresh USD · BI excluded · High-end agencies (Gargour, Porsche Center) up to 35% loading
شامل
LEGACY
Arabia Legacy comprehensive plan, fresh USD, no dealer repair. TPPD 250,000; PA 5,000 per person; medical 1,500. Depreciation on new spare parts 5% per year up to 50%. Theft deductible 10%. Natural perils up to 25% of sum insured. Minimum premium 580.00; USD 100 excess option gives 30% off. Model years 2013-2026 (2008-2012 renewals only). Applicable from 01/01/2026, BI excluded.
المنافع
Legacy · Arabia Insurance
Core Cover
- ✓Third-party property damage – 250,000
- ✓Personal accident driver and passengers – 5,000 per person, 25,000 aggregate
- ✓Medical expenses – 1,500 per person, 7,500 aggregate
- ✕Depreciation on new spare parts – 5% per year up to 50%
- ✕Dealer repair – Not applicable
- ✓Theft / hold-up deductible – 10%
- ✓Natural perils – Up to 25% of sum insured
Additional Benefits
- ✕Replacement car – Not covered; 250.00 on total loss
- ✕Partial theft – Not covered
- ✕Registration fees – Not covered
- ✕Scratching and denting – Excluded
- ✕SRCC – Not covered
- ✓Windscreen – Covered, no effect on NCD
- ✓In transit – Yes
Conditions
- ✓Additional deductible – 50.00 if licence under 1 year or driver under 21
- ✓USD 100 excess option – 30% discount on rates and minimum premium
- ✓Expert report – Mandatory at time of accident
- ✓Road-side assistance – Free, as per Arabia terms
Applicable from 01/01/2026 · Fresh USD · BI excluded · Model years 2008-2012 renewals only
شامل
SUPREME
Arabia Supreme comprehensive plan, fresh USD, without dealer repair, cars valued 10,001 to 100,000. TPPD 1,000,000; PA 15,000 per person; medical 10,000; excess on compulsory 350,000 with an Arabia BI policy. No depreciation on new spare parts: a new part is fitted, a used one only if the new part is not found. Replacement car 10 days, partial theft 3,500, tires covered, political violence included. Minimum premium 755.00. Applicable from 01/01/2026, BI excluded.
المنافع
Supreme · Arabia Insurance
Core Cover
- ✓Third-party property damage – 1,000,000
- ✓Personal accident driver and passengers – 15,000 per person, 75,000 aggregate
- ✓Medical expenses – 10,000 per person, 50,000 aggregate
- ✓Depreciation on new spare parts – None: new part, used only if the new part is not found
- ✕Dealer repair – Supreme + only, up to 5 model years
- ✓Excess on compulsory – 350,000 with an Arabia BI policy
- ✓Airbags – No deductible
Additional Benefits
- ✓Replacement car – 10 days from day 1; 500.00 on total loss
- ✓Partial theft – Up to 3,500
- ✓Registration fees – 7.5% of final settlement
- ✓Scratching and denting – Up to 350.00 after 1st renewal
- ✓Natural perils and political violence – Included up to market value
- ✓Tires – Covered
- ✓Car locks – 50% up to 250.00
- ✓Baby car seat – Up to 300.00
- ✓Garage and valet parking – Covered for own damage
Conditions
- ✓Additional deductible – 100.00 if licence under 1 year or driver under 21
- ✓USD 100 excess option – 30% discount on rates and minimum premium
- ✓Expert report – Mandatory at time of accident
- ✓Road-side assistance – Free, as per Arabia terms
Applicable from 01/01/2026 · Fresh USD · BI excluded · Cars 10,001 to 100,000 · High-end agencies up to 35% loading
شامل
SUPREME +
Arabia Supreme with dealer repair (agency), model years 2022-2026. Same covers as Supreme: TPPD 1,000,000, PA 15,000, medical 10,000, no depreciation, replacement car 10 days, partial theft 3,500. Minimum premium 850.00. Applicable from 01/01/2026, BI excluded.
المنافع
Supreme + (dealer repair) · Arabia Insurance
Core Cover
- ✓Third-party property damage – 1,000,000
- ✓Personal accident driver and passengers – 15,000 per person, 75,000 aggregate
- ✓Medical expenses – 10,000 per person, 50,000 aggregate
- ✓Depreciation on new spare parts – None: new part, used only if the new part is not found
- ✓Dealer repair – Included, model years 2022-2026
- ✓Excess on compulsory – 350,000 with an Arabia BI policy
- ✓Airbags – No deductible
Additional Benefits
- ✓Replacement car – 10 days from day 1; 500.00 on total loss
- ✓Partial theft – Up to 3,500
- ✓Registration fees – 7.5% of final settlement
- ✓Scratching and denting – Up to 350.00 after 1st renewal
- ✓Natural perils and political violence – Included up to market value
- ✓Tires – Covered
- ✓Car locks – 50% up to 250.00
- ✓Baby car seat – Up to 300.00
- ✓Garage and valet parking – Covered for own damage
Conditions
- ✓Additional deductible – 100.00 if licence under 1 year or driver under 21
- ✓USD 100 excess option – 30% discount on rates and minimum premium
- ✓Expert report – Mandatory at time of accident
- ✓Road-side assistance – Free, as per Arabia terms
Applicable from 01/01/2026 · Fresh USD · BI excluded · Cars 10,001 to 100,000 · High-end agencies up to 35% loading
برامج التأمين الصحي (3)
Aegis Comp. N.
Arabia Insurance Aegis, comprehensive network, classes A and B, co-NIL. Ambulatory optional AMB 100% or 85% (comprehensive network; doctor visits and medicines add-ons quoted separately). Families of 3 and above: 10% discount. Policy fees not included. Entry at 60+ subject to underwriting approval. Tariff effective 01/03/2026.
المنافع
Aegis · Arabia Insurance (Comprehensive Network)
Core Cover
- ✓Admission class – A or B
- ✓Network – Comprehensive network
- ✓Hospitals – All hospitals excluding AUBMC and CMC
- ✓Lifetime limit – 720 days, guaranteed renewability
- ✓Territorial scope – Lebanon
- ✓Emergency cases – 100% inside Lebanon; 85% outside up to the preferred provider tariff in Lebanon
- ✓Cold cases (in network) – 100% direct billing; 85% cash reimbursement up to the preferred provider tariff
- ✓Cold cases (out of network) – 85% reimbursement up to the preferred provider tariff
- ✕Cold cases outside the territorial scope – Not covered
- ✓Pre-existing (declared) – Subject to medical assessment
- ✓Pre-existing (unknown) – Covered after 6 months waiting; continuity waives the waiting
- ✓Chronic diseases – Covered if not pre-existing
Maternity & Newborn
- ✓Delivery (normal or cesarean) – Covered after 10 months of continuous enrollment, regardless of the husband insurance
- ✓Epidural, fetal monitoring, ultrasound – Covered with maternity
- ✓Pregnancy complications / legal abortion – Covered from day 1 when the pregnancy occurred after inception
- ✓Newborn (Baby AIC) – Covered from day 0; nursery till the mother discharge; 1 pediatrician consultation; Guthrie test; free-of-charge baby
- ✓Congenital (Arabia Baby) – Up to USD 15,000 per insured per year
Major Benefits
- ✓Cancer, radiotherapy & chemotherapy – Covered
- ✓Internal prosthesis (sickness) – Up to USD 30,000 per year; due to accident up to the annual limit
- ✓Organ transplant (insured as recipient) – Covered, excluding the cost of the organ and the donor operation
- ✓Infertility treatment – After 10 months, aggregate USD 7,500 per year
- ✓STDs incl. HIV & hepatitis – Aggregate USD 7,500 per year
- ✓Psychiatric & mental disorders – Aggregate USD 3,000 per year
- ✓Amateur sports – Covered up to the policy limits
- ✓Epidemic / pandemic diseases – USD 15,000 per year or 15 days of hospitalization (15-day waiting)
- ✓Work-related accident – Under class SP up to USD 5,000
- ✓Passive war & terrorism – Covered inside Lebanon
- ✓Parkinson – Covered under class SP
- ✓Eye surgery (cataract, retina, strabismus) – Covered
- ✕Dialysis – Only acute renal failure during the initial admission
Additional Benefits
- ✓Rehabilitation – Up to 90 days per year following a covered hospitalization
- ✓Home care, road ambulance, day-care – Covered
- ✓Physiotherapy – Covered after a covered hospitalization
- ✓Companion bed – Child under 18 or relative over 70
- ✓Hospitalization past expiry – Continues up to 30 days on the previous policy conditions
- ✓Morgue & burial – Up to USD 2,000
Out-Patient (optional)
- ✓OP annual aggregate limit – Unlimited
- ✓Ambulatory – Option 1: 100% in network · Option 2: 85%
- ✓Doctor's visits – 10 per year (Option 1: USD 50 per visit · Option 2: USD 40)
- ✓Physiotherapy (ambulatory) – 12 sessions per disability up to USD 20 per session
- ✓Chronic medicines – 65% up to USD 5,000 per year when newly diagnosed
- ✓Children's vaccination – Up to 12 years per MOH list (with Prescribed Medicines)
Co-NIL · Families of 3+ 10% discount · Policy fees not included · Entry at 60+ subject to underwriting · Tariff 01/03/2026 · TOB V10 effective 01/07/2025
Spear F.N.
Arabia Insurance Spear, full network, classes A and B, co-NIL. Ambulatory optional AMB 100% or 85% (full network; doctor visits and medicines add-ons quoted separately). Families of 3 and above: 10% discount. Policy fees not included. Entry at 60+ subject to underwriting approval. Tariff effective 01/03/2026.
المنافع
Spear · Arabia Insurance (Full Network)
Core Cover
- ✓Admission class – A or B
- ✓Network – Full network
- ✓Hospitals – All hospitals, including AUBMC and CMC
- ✓Lifetime limit – 720 days, guaranteed renewability
- ✓Territorial scope – Middle East
- ✓Emergency cases – 100% inside the scope; outside the scope 100% up to the preferred provider tariff in Lebanon
- ✓Cold cases (in network) – 100% direct billing; 85% cash reimbursement up to the preferred provider tariff
- ✓Cold cases (out of network) – 85% reimbursement up to the preferred provider tariff
- ✓Cold cases outside the territorial scope – 85% up to the preferred provider tariff in Lebanon
- ✓Pre-existing (declared) – Subject to medical assessment
- ✓Pre-existing (unknown) – Covered after 6 months waiting; continuity waives the waiting
- ✓Chronic diseases – Covered if not pre-existing
Maternity & Newborn
- ✓Delivery (normal or cesarean) – Covered after 10 months of continuous enrollment, regardless of the husband insurance
- ✓Epidural, fetal monitoring, ultrasound – Covered with maternity
- ✓Pregnancy complications / legal abortion – Covered from day 1 when the pregnancy occurred after inception
- ✓Newborn (Baby AIC) – Covered from day 0; nursery till the mother discharge; 2 pediatrician consultations; Guthrie test; free-of-charge baby
- ✓Congenital (Arabia Baby) – Up to USD 25,000 per insured per year
Major Benefits
- ✓Cancer, radiotherapy & chemotherapy – Covered
- ✓Internal prosthesis (sickness) – Up to USD 40,000 per year; due to accident up to the annual limit
- ✓Organ transplant (insured as recipient) – Covered, excluding the cost of the organ and the donor operation
- ✓Infertility treatment – After 10 months, aggregate USD 7,500 per year
- ✓STDs incl. HIV & hepatitis – Aggregate USD 7,500 per year
- ✓Psychiatric & mental disorders – Aggregate USD 3,000 per year
- ✓Amateur sports – Covered up to the policy limits
- ✓Epidemic / pandemic diseases – USD 15,000 per year or 15 days of hospitalization (15-day waiting)
- ✓Work-related accident – Under class SP up to USD 10,000
- ✓Passive war & terrorism – Covered inside Lebanon
- ✓Parkinson – Covered
- ✓Eye surgery (cataract, retina, strabismus) – Covered
- ✕Dialysis – Only acute renal failure during the initial admission
Additional Benefits
- ✓Rehabilitation – Up to 90 days per year following a covered hospitalization
- ✓Home care, road ambulance, day-care – Covered
- ✓Physiotherapy – Covered after a covered hospitalization
- ✓Companion bed – Child under 18 or relative over 70
- ✓Hospitalization past expiry – Continues up to 30 days on the previous policy conditions
- ✓Morgue & burial – Up to USD 2,000
International / Travel
- ✓Medical expenses abroad – Up to USD 100,000 per year (USD 50 excess); annual multi-trip, 90 days per trip, up to age 75
- ✓Repatriation & evacuation – Covered at cost
- ✓Emergency dental abroad – Up to USD 400 per year (USD 100 per tooth)
- ✓Hospital cash benefit – Up to USD 250 (USD 50 per day)
Out-Patient (optional)
- ✓OP annual aggregate limit – Unlimited
- ✓Ambulatory – Option 1: 100% in network · Option 2: 85%
- ✓Doctor's visits – 10 per year (Option 1: USD 50 per visit · Option 2: USD 40)
- ✓Physiotherapy (ambulatory) – 12 sessions per disability up to USD 20 per session
- ✓Chronic medicines – 65% up to USD 5,000 per year when newly diagnosed
- ✓Children's vaccination – Up to 12 years per MOH list (with Prescribed Medicines)
Co-NIL · Families of 3+ 10% discount · Policy fees not included · Entry at 60+ subject to underwriting · Tariff 01/03/2026 · TOB V10 effective 01/07/2025
Survivor Limited Network
Arabia Insurance Survivor, limited network, class SP only, co-NIL. Ambulatory optional AMB 85% only. Families of 3 and above: 10% discount. Policy fees not included. Entry at 60+ subject to underwriting approval. Tariff effective 01/03/2026.
المنافع
Survivor · Arabia Insurance (Limited Network)
Core Cover
- ✓Admission class – SP
- ✓Network – Limited network
- ✓Hospitals – Excluding AUBMC, CMC, St Georges Orthodox, Rizk, Sacré-Cœur and Mount Lebanon
- ✓Lifetime limit – 720 days, guaranteed renewability
- ✓Territorial scope – Lebanon
- ✓Emergency cases – 100% inside Lebanon; 85% outside up to the preferred provider tariff in Lebanon
- ✓Cold cases (in network) – 100% direct billing; 85% cash reimbursement up to the preferred provider tariff
- ✓Cold cases (out of network) – 85% reimbursement up to the preferred provider tariff
- ✕Cold cases outside the territorial scope – Not covered
- ✓Pre-existing (declared) – Subject to medical assessment
- ✓Pre-existing (unknown) – Covered after 6 months waiting; continuity waives the waiting
- ✓Chronic diseases – Covered if not pre-existing
Maternity & Newborn
- ✓Delivery (normal or cesarean) – Covered after 10 months of continuous enrollment, regardless of the husband insurance
- ✓Epidural, fetal monitoring, ultrasound – Covered with maternity
- ✓Pregnancy complications / legal abortion – Covered from day 1 when the pregnancy occurred after inception
- ✓Newborn (Baby AIC) – Covered from day 0; nursery till the mother discharge; 1 pediatrician consultation; Guthrie test; free-of-charge baby
- ✓Congenital (Arabia Baby) – Up to USD 5,000 per insured per year
Major Benefits
- ✓Cancer, radiotherapy & chemotherapy – Covered
- ✓Internal prosthesis (sickness) – Up to USD 10,000 per year (sickness or accident)
- ✓Organ transplant (insured as recipient) – Covered, excluding the cost of the organ and the donor operation
- ✕Infertility treatment – Not covered
- ✕STDs incl. HIV & hepatitis – Not covered
- ✕Psychiatric & mental disorders – Not covered
- ✕Amateur sports – Not covered
- ✓Epidemic / pandemic diseases – Per the epidemic / pandemic clause (combined in-patient and out-patient)
- ✓Work-related accident – Under class SP up to USD 2,000
- ✓Passive war & terrorism – Covered inside Lebanon
- ✓Parkinson – Covered under class SP
- ✓Eye surgery (cataract, retina, strabismus) – Up to USD 1,000
- ✕Dialysis – Only acute renal failure during the initial admission
Additional Benefits
- ✓Rehabilitation – Up to 90 days per year following a covered hospitalization
- ✓Home care, road ambulance, day-care – Covered
- ✓Physiotherapy – Covered after a covered hospitalization
- ✓Companion bed – Child under 18 or relative over 70
- ✓Hospitalization past expiry – Continues up to 30 days on the previous policy conditions
- ✓Morgue & burial – Up to USD 2,000
International / Travel
- ✓Medical expenses abroad – Up to USD 100,000 per year (USD 50 excess); annual multi-trip, 90 days per trip, up to age 75
- ✓Repatriation & evacuation – Covered at cost
- ✓Emergency dental abroad – Up to USD 400 per year (USD 100 per tooth)
- ✓Hospital cash benefit – Up to USD 250 (USD 50 per day)
Out-Patient (optional)
- ✓OP annual aggregate limit – Unlimited
- ✓Ambulatory – 85% in network (85% direct billing, 65% reimbursement); 65% out of network
- ✓Doctor's visits – 10 per year up to USD 40 per visit (out of network 80%)
- ✓Physiotherapy (ambulatory) – 12 sessions per disability up to USD 10 per session
- ✓Chronic medicines – 65% up to USD 2,500 per year when newly diagnosed
- ✓Children's vaccination – Up to 12 years per MOH list (with Prescribed Medicines)
Co-NIL · Families of 3+ 10% discount · Policy fees not included · Entry at 60+ subject to underwriting · Tariff 01/03/2026 · TOB V10 effective 01/07/2025
