Spectrum, as its name indicates it, is a comprehensive insurance cover for individuals and families providing quality long-term protection and medical coverage.

Based on a new concept within the Mednet Network Clinics (MNC) supported by an experienced team of doctors, doubled with a quality list of Centers of Excellence and a widespread directory of hospitals and diagnostic centers, Spectrum is designed to accompany you from the moment you feel sick and need to consult a doctor until you get well again.

Spectrum is an insurance package covering the doctor’s visits, the ambulatory transactions and the hospitalization. Upon request, DentalCare can be annexed to it on voluntary basis.

WHAT DOES SPECTRUM OUT-OF HOSPITAL COVER?                                            The out-of-hospital benefits of Spectrum are as follows: 

Doctor’s visits benefits 

1. The Primary Care Physicians (PCP) consultations within the Mednet Network Clinics (MNC).

2. The referred to Specialist consultations at a contracted hospital designated as Center of Excellence (COE).

It is your Primary Care Physician (PCP) who will refer you to a Specialist doctor of your choice at any contracted hospital designated as COE for the required specialty. The PCP will also be your health advisor continuously monitoring and following-up your health status.

PCP visits are subject to 5 USD excess deductible to be paid by the adherent per visit at MNC.

Specialists’ visits are subject to 8 USD excess deductible to be paid by the adherent per visit at COE.

Ambulatory Benefits

1. Diagnostic tests (laboratory, radiology, etc.)

2. Physiotherapy

It is your PCP or the referred to Specialist who will prescribe your adequate treatment.

Ambulatory benefits are subject to 20% excess deductible per transaction.

WHAT DOES SPECTRUM IN-HOSPITAL COVER?

The in-hospital benefits of Spectrum are numerous, among them are:

Guaranteed Renewability (GR) from day zero if upon adhesion you are less than 46. In case you are more than 46, The GR will be granted to you after a one-year waiting period during which you should show a clean medical record.

Uninterrupted Hospitalization is vital when you are undergoing an in-hospital treatment and your policy expires; because it allows you a 120-day extension period after expiry, even if the original policy is not to be renewed.

International Hospitalization Coverage offers you the choice of getting your treatment abroad with;

 • coverage within the Middle East and North African Region[1]as well as France, at no out-of-pocket expenses,

 • coverage in other European and American countries by charging you only the price difference between hospital expenses abroad and the standard Lebanese hospitalization cost Settlements of health-care expenses incurred abroad are directly handled by MedNet Liban and the concerned hospital.

International Second Medical Opinion (Telemedicine) gives you the advantage of transferring your medical file to highly qualified Medical Centers in the USA.

Maternity Benefits are numerous among which figure;

 • Coverage of Epidural for pain control.

 • Coverage of one pediatrician consultation.

 • Coverage of 6 days in incubator for babies.

 • Coverage of all medical treatments and investigations for babies since the first day they are born.

 • Coverage of circumcision for male newborns.

MedNet Baby Program covers the newborn as from day 14, and offers a free of charge coverage for the baby until the policy of the mother expires. More additional benefits include coverage of 22 congenital cases.

Home Care Services brings the hospital care to the comfort of your home, when your physician and you find it the most appropriate alternative.

Work Related Accidents covers accidents that occur to you while at work.

Coverage of Prosthesis is in full for accidental cases. As for medical cases, prosthesis is covered up to USD 2,000 per prosthesis and no limit in number of prosthesis is applied.

Cosmetic Surgeries are covered in the cases of medical obligations such as breast reconstruction or cosmetic surgeries as a result of trauma, etc.

War and Terrorism Injuries are covered as long as the insured was not actively involved in the relevant acts.

Burial Expenses of USD 2,000 are paid to the legal heirs of the insured in case of death from a covered case during hospitalization.

 WHY WOULD I ANNEX DENTALCARE TO SPECTRUM? To make Spectrum your complete all-inclusive health cover, we suggest DentalCare to be annexed to your policy on voluntary basis.

DentalCare entitles you to benefit from a wide variety of dental care services offered by highly competent dentists at MedNet Network Clinics providing general and specialty dental care according to world recognized norms through sophisticated dental equipments and modern units.

It is offered at a single premium and subject to an excess deductible per dental act.

  [1] Algeria, Egypt, Iran, Iraq, Jordan, Lebanon, Libya, Morocco, Oman, Saudi Arabia, Syria, Tunisia, Palestine, Yemen, Bahrain, Kuwait, Qatar and The UAE

For more information contact one of the Insurance Companies adhering to the MedNet System or MedNet-Info our 24 hour Call Center on +961 1 518000