تأمين Liaassurex في لبنان: البرامج، المنافع، والسعر

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برامج تأمين السيارات (3)

شامل

GOLD

المنافع

LIA Assurex — Gold Plan

Core Cover

✓Third Party Liability – Material Damage – USD 1,000,000
✓Damage & Fire of the insured vehicle – Covered
✓Theft / Hold-Up – Covered (10% deductible)
✓Airbags – Covered
✓Accidental Death & PTD (Driver & Family) – USD 10,000 per person (max 4 persons)
✓Medical Expenses (Driver & Family) – USD 2,500 per person (max 4 persons)
✕Agency Repair – Not Covered

Additional Benefits

✓Partial Theft (police report) – USD 2,500 per year
✓Replacement Car (accident) – USD 25/day (CV < 50,000) · USD 50/day (CV ≥ 50,000) · 2-day deductible · max 15 days/year, 10 days/accident
✓Replacement Car (total loss) – 10 days
✓Depreciation on new spare parts – Car age ≤ 6: nil if used parts not found · age ≥ 7: 10% + 5%/year, max 50%
✓Natural Perils – Storm, Tempest & Flood 100% · Hail up to 10% of car value
✓Scratching & Denting – CV ≥ USD 50,000, up to USD 350 (brand new or after 1st renewal)
✓Registration Fees (total loss) – Up to 7.5% of car value
✓Free Road Assistance – Unlimited (accident or mechanical failure) · crane once
✓SRCC – CV ≥ USD 50,000, up to 10% of car value
✓Pet (death / veterinary) – USD 750 / USD 250
✓Loss of Personal Documents (total loss) – USD 250 aggregate
✓Emergency Travel Insurance – Age < 75, 30 days, USD 50,000 (except Syria & Russia)
✕Valet, Car Wash & Workshop custody – Optional – 0.25% of car value (min USD 705)
✕Litigation Expenses – Not Covered
✓Third-party damage from fire & explosion of the insured car – Covered up to USD 1,000,000
✓Third-party damage from transported items / removable car-body accessories – Covered
✓Additional cover for remaining passengers (not covered by the compulsory policy) – USD 3,000 medical · USD 10,000 death & PTD · max USD 25,000 per claim and in the aggregate
✓Agreed value on total loss (brand-new vehicles) – Dealer's brand-new replacement value when the car is of the claim year or the year before, sum insured kept for the first two years

Tariff V17 (MOT-TR-V17-2026-06) effective 19/06/2026 · Minimum premium USD 655 · Total-loss threshold 65% of car value · Compulsory (BI) excluded

شامل

PLATINIUM

المنافع

LIA Assurex — Platinum Plan

Core Cover

✓Third Party Liability – Material Damage – USD 1,000,000
✓Damage & Fire of the insured vehicle – Covered
✓Theft / Hold-Up – Covered (no deductible)
✓Airbags – Covered
✓Accidental Death & PTD (Driver & Family) – USD 10,000 per person (max 4 persons)
✓Medical Expenses (Driver & Family) – USD 5,000 per person (max 4 persons)
✓Agency Repair – Covered
✓Depreciation on new spare parts – Not applicable (no depreciation)

Additional Benefits

✓Partial Theft (police report) – USD 5,000 per year
✓Replacement Car (accident) – USD 35/day (CV < 50,000) · USD 75/day (50,000 ≤ CV < 100,000) · USD 100/day (CV ≥ 100,000) · 2-day deductible · max 15 days/year, 10 days/accident
✓Replacement Car (total loss) – 10 days
✓Natural Perils – Storm, Tempest & Flood 100% · Hail up to 10% of car value
✓Cover in custody of Valet, Car Wash & Workshop – Covered
✓Litigation Expenses – Covered, max USD 5,000
✓Scratching & Denting – CV ≥ USD 50,000, up to USD 350 (brand new or after 1st renewal)
✓Registration Fees (total loss) – Up to 7.5% of car value
✓Free Road Assistance – Unlimited (accident or mechanical failure) · crane once
✓SRCC – CV ≥ USD 50,000, up to 10% of car value
✓Pet (death / veterinary) – USD 1,000 / USD 300
✓Loss of Personal Documents (total loss) – USD 300 aggregate
✓Emergency Travel Insurance – Age < 75, 30 days, USD 50,000 (except Syria & Russia)
✓Third-party damage from fire & explosion of the insured car – Covered up to USD 1,000,000
✓Third-party damage from transported items / removable car-body accessories – Covered
✓Additional cover for remaining passengers (not covered by the compulsory policy) – USD 3,000 medical · USD 10,000 death & PTD · max USD 25,000 per claim and in the aggregate
✓Agreed value on total loss (brand-new vehicles) – Dealer's brand-new replacement value when the car is of the claim year or the year before, sum insured kept for the first two years

Tariff V17 (MOT-TR-V17-2026-06) effective 19/06/2026 · Minimum premium USD 785 · Total-loss threshold 65% of car value · Compulsory (BI) excluded

شامل

SILVER

المنافع

LIA Assurex — Silver Plan

Core Cover

✓Third Party Liability – Material Damage – USD 1,000,000
✓Damage & Fire of the insured vehicle – Covered
✓Theft / Hold-Up – Covered (10% deductible)
✓Airbags – Covered
✓Accidental Death & PTD (Driver & Family) – USD 10,000 per person (max 4 persons)
✓Medical Expenses (Driver & Family) – USD 2,500 per person (max 4 persons)
✕Agency Repair – Not Covered

Additional Benefits

✓Partial Theft (police report) – USD 2,000 per year
✕Replacement Car – Not Covered
✓Depreciation on new spare parts – 10% for the manufacturing year + 5%/year, max 50%
✓Natural Perils – Storm, Tempest & Flood 100% · Hail up to 10% of car value
✓Scratching & Denting – CV ≥ USD 50,000, up to USD 350 (brand new or after 1st renewal)
✓Registration Fees (total loss) – Up to 7.5% of car value
✓Free Road Assistance – Unlimited (accident or mechanical failure) · crane once
✓SRCC – CV ≥ USD 50,000, up to 10% of car value
✓Pet (death / veterinary) – USD 500 / USD 200
✓Loss of Personal Documents (total loss) – USD 200 aggregate
✓Emergency Travel Insurance – Age < 75, 30 days, USD 50,000 (except Syria & Russia)
✕Valet, Car Wash & Workshop custody – Optional – 0.25% of car value (min USD 630)
✕Litigation Expenses – Not Covered
✓Third-party damage from fire & explosion of the insured car – Covered up to USD 1,000,000
✓Third-party damage from transported items / removable car-body accessories – Covered
✓Additional cover for remaining passengers (not covered by the compulsory policy) – USD 3,000 medical · USD 10,000 death & PTD · max USD 25,000 per claim and in the aggregate
✓Agreed value on total loss (brand-new vehicles) – Dealer's brand-new replacement value when the car is of the claim year or the year before, sum insured kept for the first two years

Tariff V17 (MOT-TR-V17-2026-06) effective 19/06/2026 · Minimum premium USD 580 · USD 50 deductible per accident (not if a third party is involved) · Total-loss threshold 65% of car value

برامج التأمين الصحي (7)

HDF Santé

Lia Assurex HDF Santé, network limited to Hôtel-Dieu de France and affiliated hospitals (Mgr Cortbawi, St Charles, Family Medical Center Zgharta, Tel Chiha, Notre Dame de la Paix), classes A, B and SP, co-NIL. Ambulatory optional 100% or 85% on the limited network. Policy cost 35.00. Last entry age 64. V13 effective 01/08/2026.

المنافع

HDF Santé · Lia Assurex

Core Cover

✓Class of cover – A, B and SP
✓Network – Hôtel-Dieu de France, Mgr Cortbawi, St Charles, FMC Zgharta, Tel Chiha, Notre Dame de la Paix
✓Pre-existing cases – 6 months waiting period
✓Internal prosthesis – 10,000 per case per year
✓Maternity – 365 days waiting, normal or cesarean
✓Newborn – After 14 days with medical report; Baby HDF free
✓Incubator – Up to 30 days
✓Congenital (Baby Lia-HDF) – Up to 3,000 per baby

Additional Benefits

✓Organ transplantation – Lifetime 15,000 per case, 12 months waiting
✓Breast reconstructive surgery – 3,000 per year
✓Laparoscopic and endoscopic surgeries – 3,000 per case per year
✓Chronic diseases – As per policy conditions
✓Epidemic / pandemic – Up to 30,000
✕Infertility – Not covered
✕Parkinson – Not covered

Ambulatory (optional)

✓Physiotherapy – Up to 25 sessions per year
✓Diagnostics: MRI, CT, lab – Covered
✓PET scan – For a covered cancer case
✕Pre-marital tests – Not covered

Co-NIL · Add 35.00 policy cost · Max 1st enrollment age 64 · Fresh USD · TOB V13 effective 01/08/2026

HDF Santé Co-CFE

Lia Assurex HDF Santé Co-CFE, 30% co-insurance with the Caisse des Français de l Etranger, HDF network, classes A and B. No ambulatory add-on. Policy cost 35.00. Last entry age 64. V13 effective 01/08/2026.

المنافع

HDF Santé Co-CFE · Lia Assurex

Core Cover

✓Class of cover – A and B
✓Co-insurance – 30% with the CFE
✓Network – HDF network (Hôtel-Dieu de France and affiliated hospitals)
✓Pre-existing cases – 6 months waiting period
✓Internal prosthesis – 10,000 per case per year
✓Maternity – 365 days waiting

Additional Benefits

✓Organ transplantation – Lifetime 15,000 per case, 12 months waiting
✓Epidemic / pandemic – Up to 30,000
✕Ambulatory – No add-on on this plan

30% co-insurance with the Caisse des Français de l Etranger · Add 35.00 policy cost · Max 1st enrollment age 64 · TOB V13 effective 01/08/2026

Panacea Abroad

Lia Assurex Panacea Abroad, class A, all hospitals, territorial scope Lebanon, MENA (excluding Syria), Cyprus and France. In-hospital unlimited. Ambulatory optional, excess 0% or 15%. Individual and family (3+) tariffs. Policy cost 35.00. Last entry age 64. V13 effective 01/08/2026.

المنافع

Panacea Abroad · Lia Assurex

Core Cover

✓Class of cover – A, B and S
✓Network – All hospitals; Lebanon, MENA (excl. Syria), Cyprus and France
✓Hospitalization limit – Unlimited
✓Pre-existing cases – 6 months waiting period
✓Passive war and terrorism – Covered
✓Internal prosthesis – 30,000 per prosthesis per year (100% if accident)
✓Maternity – 300 days waiting; 365 days if husband not covered
✓Newborn (Baby Lia) – Covered from day 0, free for the remaining period
✓Incubator – Covered irrespective of stay
✓Congenital (Baby Lia) – Covered

Additional Benefits

✓Organ transplantation – Lifetime 50,000 per case, 12 months waiting
✓Chronic diseases – As per policy conditions
✓Epidemic / pandemic – Up to 50,000
✓Psychiatry – Up to 10,000 per year in a psychiatric unit
✓Infertility – Up to 10,000 per year (no IVF)
✓Bariatric surgery – BMI > 40, 12 months waiting: A 7,500 / B 5,000 / C 2,500
✓Hemodialysis – First sessions only during first admission
✓Home nursing – If cheaper than hospitalisation, prior approval
✓Free travel insurance – Medical expenses up to 50,000 and repatriation

Ambulatory (optional)

✓Ambulatory limit – Unlimited
✓Physiotherapy – Unlimited sessions (25 per session outside network)
✓Diagnostics: MRI, CT, lab – Covered
✓PET scan – For a covered cancer case
✓Genetic tests – Up to 1,500

Co-NIL · Add 35.00 policy cost · Max 1st enrollment age 64 · Fresh USD · Free SAMU du Liban app · TOB V13 effective 01/08/2026

Panacea Basic

Lia Assurex Panacea Basic, limited network (excluding AUBMC, CMC, St John, Bellevue, Mont Liban, KMC and Rizk), classes A, B and S, co-NIL. Lifetime limit 250,000 per person. Ambulatory optional, excess 0% or 15%. Policy cost 35.00. Last entry age 64. V13 effective 01/08/2026.

المنافع

Panacea Basic · Lia Assurex

Core Cover

✓Class of cover – A, B and S
✓Network – All hospitals excluding AUBMC, CMC, St John, Bellevue, Mont Liban, KMC and Rizk
✓Hospitalization limit – Lifetime 250,000 per person
✓Pre-existing cases – 6 months waiting period
✕Passive war and terrorism – Not covered
✓Internal prosthesis – 5,000 per case per year
✓Maternity – 365 days waiting; 3 days normal / 5 days C-section
✓Newborn (Baby Lia) – From day 14, subject to underwriting
✓Incubator – Up to 2,500 per delivery
✓Congenital (Baby Lia) – Lifetime 7,500 per baby

Additional Benefits

✓Organ transplantation – Lifetime 10,000 per case, 12 months waiting
✓Chronic diseases – Up to 50,000 per case per year
✓Epidemic / pandemic – Up to 30,000
✕Psychiatry – Not covered
✕Infertility – Not covered
✕Bariatric surgery – Not covered
✓Hemodialysis – First sessions only during first admission
✓Home nursing – If cheaper than hospitalisation, prior approval
✓Free travel insurance – Medical expenses up to 50,000 and repatriation

Ambulatory (optional)

✓Ambulatory limit – 1,500 per year, laboratories only
✓Physiotherapy – Up to 20 sessions per year
✓Diagnostics: MRI, CT, lab – Covered
✓PET scan – For a covered cancer case
✕Genetic tests – Not covered

Co-NIL · Add 35.00 policy cost · Max 1st enrollment age 64 · Fresh USD · Free SAMU du Liban app · TOB V13 effective 01/08/2026

Panacea Essential

Lia Assurex Panacea Essential, limited network (all hospitals excluding AUBMC and CMC), classes A, B and S, co-NIL. In-hospital as per general rules, 720 days. Ambulatory optional, excess 0% or 15%. Policy cost 35.00. Last entry age 64. V13 effective 01/08/2026.

المنافع

Panacea Essential · Lia Assurex

Core Cover

✓Class of cover – A, B and S
✓Network – All hospitals excluding AUBMC and CMC
✓Hospitalization limit – As per general rules, max 720 days
✓Pre-existing cases – 6 months waiting period
✓Passive war and terrorism – Covered
✓Internal prosthesis – 10,000 per case per year
✓Maternity – 365 days waiting
✓Newborn (Baby Lia) – Covered from day 0 (not free)
✓Incubator – Up to 5,000 per delivery
✓Congenital (Baby Lia) – Lifetime 15,000 per baby

Additional Benefits

✓Organ transplantation – Lifetime 15,000 per case, 12 months waiting
✓Chronic diseases – As per policy conditions
✓Epidemic / pandemic – Up to 30,000
✕Psychiatry – Not covered
✓Infertility – Up to 2,500 per year (no IVF)
✕Bariatric surgery – Not covered
✓Hemodialysis – First sessions only during first admission
✓Home nursing – If cheaper than hospitalisation, prior approval
✓Free travel insurance – Medical expenses up to 50,000 and repatriation

Ambulatory (optional)

✓Ambulatory limit – 2,500 per year
✓Physiotherapy – Up to 25 sessions per year
✓Diagnostics: MRI, CT, lab – Covered
✓PET scan – For a covered cancer case
✕Genetic tests – Not covered

Co-NIL · Add 35.00 policy cost · Max 1st enrollment age 64 · Fresh USD · Free SAMU du Liban app · TOB V13 effective 01/08/2026

Panacea Ultra

Lia Assurex Panacea Ultra, all hospitals (full network), classes A, B and S, co-NIL. In-hospital unlimited, 720 days per year. Ambulatory optional, excess 0% or 15%. Individual tariff and family tariff for 3 members and above. Policy cost 35.00. Last entry age 64. Fresh USD. V13 effective 01/08/2026.

المنافع

Panacea Ultra · Lia Assurex

Core Cover

✓Class of cover – A, B and S
✓Network – All hospitals; worldwide emergencies for class A (Travel Assist)
✓Hospitalization limit – Unlimited, max 720 days
✓Pre-existing cases – 6 months waiting period
✓Passive war and terrorism – Covered
✓Internal prosthesis – 30,000 per prosthesis per year (100% if accident)
✓Maternity – 300 days waiting; 365 days if husband not covered
✓Newborn (Baby Lia) – Covered from day 0, free for the remaining period
✓Incubator – Covered irrespective of stay
✓Congenital (Baby Lia) – Covered

Additional Benefits

✓Organ transplantation – Lifetime 50,000 per case, 12 months waiting
✓Chronic diseases – As per policy conditions
✓Epidemic / pandemic – Up to 50,000
✓Psychiatry – Up to 10,000 per year in a psychiatric unit
✓Infertility – Up to 10,000 per year (no IVF)
✓Bariatric surgery – BMI > 40, 12 months waiting: A 7,500 / B 5,000 / C 2,500
✓Hemodialysis – First sessions only during first admission
✓Home nursing – If cheaper than hospitalisation, prior approval
✓Free travel insurance – Medical expenses up to 50,000 and repatriation

Ambulatory (optional)

✓Ambulatory limit – Unlimited
✓Physiotherapy – Unlimited sessions (25 per session outside network)
✓Diagnostics: MRI, CT, lab – Covered
✓PET scan – For a covered cancer case
✓Genetic tests – Up to 1,500

Co-NIL · Add 35.00 policy cost · Max 1st enrollment age 64 · Fresh USD · Free SAMU du Liban app · TOB V13 effective 01/08/2026

Panacea Youth

Lia Assurex Panacea Youth, ages 18 to 35, limited network (excluding AUBMC, Rizk, St John, KMC and CMC), classes A, B and S. Premium includes ambulatory 85%. Hospitalisation limit 250,000. Policy cost 35.00. V13 effective 01/08/2026.

المنافع

Panacea Youth · Lia Assurex

Core Cover

✓Class of cover – A, B and S
✓Network – All hospitals excluding AUBMC, Rizk, St John, KMC and CMC
✓Hospitalization limit – 250,000, Lebanon only
✓Pre-existing cases – 6 months waiting period
✓Passive war and terrorism – Covered
✓Internal prosthesis – 7,500 per case per year
✕Maternity / infertility / incubator – Not covered
✕Organ transplantation – Not covered
✓Breast reconstructive surgery – Covered

Additional Benefits

✓Chronic diseases – Up to 50,000 per disease
✓Epidemic / pandemic – Up to 30,000
✓Home care – Covered
✓Free travel insurance – Medical expenses up to 50,000 and repatriation
✓SAMU du Liban – Free 24/7 pre-hospital assistance

Ambulatory (included, 85%)

✓Ambulatory – 85% co-NIL on the limited network
✓Diagnostics: MRI, CT, lab – Covered

Ages 18 to 35 · Ambulatory 85% included in the premium · Add 35.00 policy cost · Fresh USD · TOB V13 effective 01/08/2026

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تأمين Liaassurex في لبنان: البرامج، المنافع، والسعر

برامج تأمين السيارات (3)

GOLD

PLATINIUM

SILVER

برامج التأمين الصحي (7)

HDF Santé

HDF Santé Co-CFE

Panacea Abroad

Panacea Basic

Panacea Essential

Panacea Ultra

Panacea Youth

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