Frequently asked questions and answers
Insurance can be confusing, especially some of the terms. Our easy guide will help you understand what specific terms mean.
Insurance can be confusing, especially some of the terms. Our easy guide will help you understand what specific terms mean.
Car insurance is a type of insurance coverage that provides financial protection against potential losses or damages arising from accidents, theft, or other incidents involving your car(s). It is a contractual agreement between you (the policyholder) and an insurance company. In exchange for paying regular premiums, the insurance company agrees to bear the financial responsibility for certain losses or damages, up to the limits specified in the policy.
There are three types of car insurance in Lebanon
Compulsory car insurance (Elzeme)
Compulsory car insurance is required by law in Lebanon. Without it you will not be able to register or renew your car. It provides compensation for injuries or deaths due to a car accident. Keep in mind that it does not cover any material damages, you may top it up with third-party insurance to Include material damages caused to others.
Third-party car insurance
Third party car insurance covers damages to the other person(s) car or property in a car accident. It’s a low cost alternative if you aren’t able to afford paying others material damages in an accident.
All risk car insurance
All risk car insurance in Lebanon is designed to cover the Insured vehicle from damages due to incidents such as road accidents, fire etc. It covers own damage (damage of your own vehicle resulting from accidents, collisions, theft, fire, vandalism; total loss; and partial loss) as well as Third-parties (In a car accident). You can add-on various other covers such as 24/7 roadside assistance, natural disaster cover etc which may make your policy more comprehensive.
At an extra cost, you may add-on the below covers that can make your policy more beneficial
Compulsory car insurance is required by law in Lebanon. It covers bodily injuries or death due to an accident and excludes any material damages.
So the question remains - Third-party or all risk car insurance?
Deciding this may depend on various factors like car specifications, vehicle history etc. What you should know while deciding is, third-party car insurance covers the policyholder against financial or legal liabilities arising due to injury sustained by a third-party or damage to a third-party’s property or car in a car accident.
All risk car insurance covers own damage as well as Third-parties. Depending on any add-ons you choose, It may also cover damages arising from certain situations like total loss, theft, partial loss, vandalism, accident, fire, natural calamity etc.
Depending on your vehicle and budget, you may opt for a combination of third-party or all risk car insurance along with compulsory car insurance.
Depending on the type of cover chosen, some of the most common services that may be Included in a car insurance policy are
There may be services like offroad insurance, agency repair, personal accident cover , personal belongings cover etc. that may not be covered in a car insurance policy. However, these services can be availed by paying an additional cost. Also there are certain situations which may invalidate your claim and your policy may not cover. For example
Here are a few things that you should keep in mind when buying car insurance online
Type of policy
It is important to understand the type of car insurance policy you require. For a wholesome cover that provides maximum benefits, comprehensive or all risk car insurance works best. Although, If you have a limited budget or your car history/specification does not allow you to go for comprehensive or an all risk cover then you may opt for Third-party car insurance.
Cashless assistance
When buying a new car insurance policy, lookout for IDV (insured declared value) of the car. It is the maximum sum insured fixed by the insurer which is provided on theft or total loss of the insured vehicle. Basically, IDV is the current market value of the car. Try and choose an IDV that matches the market value of your car so that the claim is higher.
Claim settlement ratio of the insurance provider
The Claim Settlement Ratio (CSR) indicates the percentage of claims that an insurance company settles in a financial year. The higher the CSR, the better the company in terms of claims settlement. That’s why it is recommended to compare CSR and choose an insurance provider that has a high CSR.
Add-ons
Choosing the most beneficial add-ons will make your policy more useful, boost the claim payouts, and reduce your out-of-pocket expenses. Keep in mind that each add-on comes with an additional cost.
Premium vs. coverage offered
Always compare the best car insurance plans based on their premium and coverage offered. A plan that offers the most comprehensive scope of coverage and that too at the lowest premium would be the most beneficial.
Network of cashless garages in Lebanon
If you are looking for the best car insurance in Lebanon, make sure to check the network of cashless garages. If you want to increase the probability of availing cashless settlement of claims, then the insurance provider should have tie-ups with major workshops and garages across Lebanon.
While the exact needs may vary between car insurance providers, below are some general documents and information you may be asked for
Vehicle registration certificate
It contains all information regarding your vehicle like – engine number, chassis number, year of manufacturing, make, model etc.
Valid identification
You will have to provide a valid identification like – passport, or any other national ID to prove your identity.
Driving license
A valid driving license is required to get a car insurance policy in Lebanon.
Previous insurance policy (if any)
If you have bought a car insurance policy previously, you might have to provide its details like – insurance provider(s), policy number, and claims made (if any).
There are so many car insurance providers in Lebanon that choosing the best one can be confusing and challenging. By comparing policies you can get a better idea of the best policies on offer and a company's claim ratio before you make the final purchase.
Compare quotes easily in a few clicks from leading insurance providers on BuyAnyInsurance website and then choose the best policy.
There are numerous factors that can affect how affordable or expensive car insurance premiums can be. Some of them are
Given below are some techniques that you can use to get affordable car insurance in Lebanon
Shop on BuyAnyInsurance
No need to waste time shopping around by talking to many brokers or insurance companies. Just enter your car details on our website to compare car insurance quotations from different companies. You can also speak to our experts who will handle everything for you, end to end.
Get the right coverage
Third-party insurance may prove to be affordable than all risk car insurance. When opting for either one, you can choose fewer add-ons. By limiting your add-ons, you can get comparatively affordable car insurance.
No-claims discount
An unconventional way to get a lower premium is by being a good driver with little to no claim history on your policy. Policyholders with little or no claim history are awarded a No-Claims discount which lowers their policy premium significantly.
Bundle insurance
A smart way to get a discounted rate on your insurance is by buying more than one policy. You can club health, travel, and car insurance together from the same provider to get an overall discount on the premium.
Higher deductible
Insurance deductibles are the amount you decide to pay out of your own pocket in case of a claim. By opting for a higher deductible, you can lower the premium. However, this affords you little protection in case of a claim, and you end up paying more in an emergency.
Compulsory car insurance is required by law in Lebanon. Without it, you will not be able to register or renew your car. It provides compensation for injuries or deaths due to a car accident. Keep in mind that it does not cover any material damages, you may top it up with third-party insurance to Include material damages caused to others. You may also combine it with all risk car insurance to get a more comprehensive cover.
Getting compulsory car insurance with BuyAnyInsurance is a matter of a few clicks or a free phone call. Generally the following documents are required:
Some insurance companies can ask for more documents depending on the policy requirements.
Filing a claim is a two-part process. Both the policyholder and the insurance provider must do their part. When you buy with BuyAnyInsurance, all you need to do is contact our car insurance experts at 01 488 277 who will be happy to help you
File a police report
The first thing you should do after an accident is to immediately call the police. You need to have a police report attached to your claim, so it's best to get the authorities involved as early as possible. The police report gives a clear and unbiased account of the collision and can go heavily in your favor during the claims process.
Take photographs
If you aren't heavily injured and have taken care of your co-passengers, you should take photographs that prove to be evidence of the damage to your car. It would help if you also took photographs of your surroundings to map out the collision's situation.
Inform your car insurer or call BuyAnyInsurance
Having your insurance provider in the loop is also imperative because they can help you collect information about the claim. They can advise which documents and evidence they need so you can arrange them accordingly.
Don’t accept any settlement
Do not, under any circumstances, accept an offer from any party or sign any waivers without consulting your lawyer or your insurance provider. There are chances you might be given a lower settlement than you deserve.
Save all receipts and documents
When you submit your claim with the insurance provider, ensure you have all the receipts, from towing to repair to medical expenses. All the receipts and documents are crucial to determine the amount of money you paid and what needs to be compensated, so keep them safe.
In Lebanon, total loss car insurance is a type of coverage that provides financial protection for your vehicle in case of a total loss. Total loss typically refers to a situation where the cost of repairing a damaged vehicle exceeds a certain percentage of its market value, making it uneconomical to repair.
When you have total loss car insurance, the insurance company will reimburse you for the current market value of your vehicle in the event of an incident that results in total loss. This can include accidents, theft, fire, natural disasters and other specified events depending upon the terms and conditions of your insurance policy.
The following is usually covered in a total loss car insurance policy
Total loss coverage
The policy covers the insured vehicle against total loss resulting from accidents, fire, theft, vandalism, natural disasters, or other specified events in the policy.
Market value reimbursement
In the event of a total loss, the insurance company will reimburse you for the market value of the insured vehicle at the time of the loss. This amount is usually determined based on factors like – vehicle’s age, vehicle’s condition, and market price.
Third-party liability
Total loss car insurance in Lebanon often includes coverage for third-party liability, which covers the damages and injuries caused to the other parties involved in an accident.
Personal accident coverage
Some total loss car insurance policies in Lebanon provide coverage for medical expenses or accidental death benefits of the driver and the passengers in the insured vehicle.
Towing and roadside assistance
Most total loss car insurance policies in Lebanon include coverage for towing services in case your vehicle breaks down due to an accident or another incident. Roadside assistance is also provided for services like tire changes, fuel delivery, and lockout assistance.
Repair coverage
In some cases, total loss car insurance may also cover partial damages or repairs to your vehicle, even if it doesn’t meet the threshold of a total loss.
The exact coverage may vary depending on individual policies and insurance providers. So, it is best that you go through the policy documents carefully to know all the details.
Certain situations / Incidents may not be covered by your total loss car insurance policy, a few of them are
It is best to go through the policy documents carefully to know what is covered and what is not.
Third party car insurance is a type of car insurance in Lebanon that covers damages to the other person(s) car or property in a car accident. It’s an economical alternative as compared to all risk car insurance, if you aren’t able to afford other’s bills in a car accident.
Third-party liability may generally include the following, however it may vary from insurer to insurer
Certain situations may not be covered by a third-party car insurance policy:
These are:
Getting third-party car insurance with BuyAnyInsurance is a matter of a few clicks or a phone call. The following documents may be required
Depending on the policy requirements, some insurance companies can ask for more documents.
Given below are some techniques that you can use to save on third-party car insurance in Lebanon
Shop on BuyAnyInsurance
No need to waste time shopping around by talking to many brokers or insurance companies. Just enter your car details on our website to compare car insurance quotations from different companies. You can also speak to our experts who will handle everything for you, end to end.
No-claims discount
An unconventional way to get a lower premium is by being a good driver with little to no claim history on your policy. Policyholders with little or no claim history are awarded a No-Claims discount which lowers their policy premium significantly.
Bundle insurance
A smart way to get a discounted rate on your insurance is by buying more than one policy. You can club health, home, and motor insurance together from the same provider to get an overall discount on the premium.
Higher deductible
Insurance deductibles are the amount you decide to pay out of your own pocket in case of a claim. By opting for a higher deductible, you can lower the premium. However, this affords you little protection in case of a claim, and you end up paying more in an emergency.
The main benefits of third-party car insurance are
Filing a claim is a two-part process. Both the policyholder and the insurance provider must do their part. When you buy with BuyAnyInsurance, all you need to do is contact our car insurance experts at +961 01 488 277 who will be happy to help you
File a police report
The first thing you should do after an accident is to immediately call the police. You need to have a police report attached to your claim, so it's best to get the authorities involved as early as possible. The police report gives a clear and unbiased account of the collision and can go heavily in your favor during the claims process.
Take photographs
If you aren't heavily injured and have taken care of your co-passengers, you should take photographs that prove to be evidence of the damage to your car. It would help if you also took photographs of your surroundings to map out the collision's situation.
Inform your car insurer or call BuyAnyInsurance
Having your insurance provider in the loop is also imperative because they can help you collect information about the claim. They can advise which documents and evidence they need so you can arrange them accordingly.
Don’t accept any settlement
Do not, under any circumstances, accept an offer from any party or sign any waivers without consulting your lawyer or your insurance provider. There are chances you might be given a lower settlement than you deserve.
Save all receipts and documents
When you submit your claim with the insurance provider, ensure you have all the receipts, from towing to repair to medical expenses. All the receipts and documents are crucial to determine the amount of money you paid and what needs to be compensated, so keep them safe.
All risk car insurance is a type of car insurance in Lebanon that’s designed to cover you from any financial or legal liability whether bodily or material, arising due to a car accident.
The following covers are usually included in an all risk car insurance policy
Own damage
Coverage for damage of your vehicle resulting from accidents, collisions, theft, fire, vandalism etc. It may also include compensation for bodily injuries or death due to an accident.
Total loss
Compensation for total loss or theft of your vehicle, up to its insured value is provided in all-risk car insurance in Lebanon.
Partial loss
Coverage for repairs or replacement of damaged parts of your vehicle due to an accident is covered under all risk car insurance.
Third-party Liability
Coverage for material damages, bodily injuries or death to any third party person(s), property or vehicle in an accident.
Additional coverage
Add-ons may be added at an extra cost. They may include coverage for personal accident or injury, towing, coverage for damage to the insured vehicle’s glass (windshield, windows etc.), coverage for natural disasters (earthquakes, floods etc.)
It is important that you go through all the terms and conditions of the all-risk policy to know particular inclusions and exclusions provided by the insurance company. Different insurance companies may have slight variations in coverage and policy details.
Travel insurance is a type of insurance which compensates an individual from financial or legal liabilities arising from unforeseen circumstances relating to their travel. It is not mandatory to get travel insurance for your travel to and from Lebanon, but for your peace of mind & protection against huge financial losses, it is highly recommended that you take the best travel insurance plan.
Types of travel insurance plans available in Lebanon
Single trip travel insurance plan – this is a one-time travel insurance policy specific to one particular destination.
Multiple trip travel insurance plan – if you are someone who travels frequently, then you should opt for multiple travel insurance coverage. It covers you for multiple trips to chosen destinations over a long duration like maybe for an entire year.
Student travel insurance plan – students who go overseas for education can avail the benefits of special student travel insurance plans. There can be a limit to the duration of stay for the students, so it is best to check policy documents to know all the details.
Group travel insurance plan – if you are traveling in a group, this is the best plan to choose as it covers all the members of the group avoiding the hassle of too much paperwork and choosing individual plans. Group plans can be tailor made to specific requirements of the group. There is a maximum limit for the number of passengers in group travel insurance.
While many of us feel that we need not waste money on travel insurance, it is very wrong. Travel Insurance is a safety net which protects from huge financial losses in unforeseen and emergency situations which when occur it becomes worth spending on. Some of the main benefits of buying travel insurance are
Although coverage may vary depending on the insurance company chosen and your requirements, travel insurance policies generally tend to cover
Medical related coverage
Journey related coverage
Baggage related coverage
Although coverage may vary depending on the insurance company chosen and your requirements, travel insurance policies generally wouldn’t cover the following scenarios
Identify the type of coverage
Before finalizing your travel insurance, find out about the coverage type offered by the policy. Find out if the travel insurance plan is primary or secondary. Primary insurance plans cover you out-and-out, while secondary insurance plans provide reimbursements and you are required to pay at the moment.
Review the coverage
Compare travel insurance plans online to make the best purchase. One of the best ways to maximize your coverage is to buy travel insurance at least 2 weeks before you are set to travel.
Be thorough with the policy documents
Make sure you are thorough with the policy terms & conditions. Check if the policy has any restrictions based on the destination or activity.
Know the claim filing process
Just in case you need to file a claim, you need to know the process. Be transparent about your trip plans and declare everything you plan to carry. This will make the claim filing process easier.
Renewing your travel insurance policy online is simple with BuyAnyInsurance Lebanon. Just add in your passport details, your policy number to make an online payment. Receive a soft copy of the policy in your inbox. You can also call us at +961 01 488 277 to talk to our insurance experts who will take care of any tedious processes and help you renew your travel insurance policy. In case your requirement has changed, they can also help you issue a new policy.
Long-term travel insurance provides cover for your long-term travel plans, whether it is a personal vacation or an extended business trip. Getting long-term travel insurance is not mandatory in Lebanon, but it protects you in unforeseen and emergency situations. Usually long-term travel insurance provides coverage for one to six months, depending upon your travel plans and the type of policy that you choose.
Since the duration of the trip is long, the risks are also more. Hence, you need to be extremely careful while choosing your policy. Buying long term travel insurance may be beneficial for you in the following ways
While the services covered may vary depending on the insurance company and the type of policy chosen, generally, the following are covered in a long-term travel insurance policy
Medical cover
If your regular health insurance doesn’t provide any overseas health cover, you are advised to choose a medical cover for emergencies abroad. Long-term travel insurance saves you from huge financial expenditures in a foreign land due to your illness.
Travel protection
Travel protection coverage in a travel insurance policy offers coverage on prepaid air tickets or delayed flights and also for missing connecting flights.
Emergency evacuation
It covers damages caused due to your expedition in distant and isolated lands in case of an emergency evacuation.
Baggage protection
Long-term travel insurance offers coverage for your lost or delayed baggage. If you have lost your luggage or arrival of your luggage has been delayed the insurer will cover for your losses.
Accidental death and dismemberment
This covers any accidental deaths or any serious physical damages caused in a foreign land. Before buying Travel insurance with this coverage, check if your destination is listed with the insurer for this type of protection.
Some situations that may not be covered under your travel insurance policy are
To get your ideal long term travel insurance policy, consider the following:
Check the countries included in your policy
Firstly, check the countries for which the policy offers coverage so that the country you are visiting is not excluded from it. There are certain long-term travel insurance plans that offer cover for only some specific countries.
Read through the policy terms and conditions
Make sure you go through the policy documents to know what’s covered and what’s not. Check if the policy has any restrictions based on destinations and activities.
Know the claim filing process
Just in case you need to file a claim, you need to know the process. Be transparent about your trip plans and declare everything you plan to carry. This will make the claim filing process easier.
You can renew your long-term travel insurance policy online with BuyAnyInsurance Lebanon easily. Just add your passport details, your policy number to make an online payment. Receive a soft copy of the policy in your inbox. You can also call us at +961 01 488 277 to talk to our customer support staff who will help you renew your travel insurance policy. In case your requirement has changed and you need a new policy, our insurance experts are ready to guide you through the whole process.
Student travel insurance is a type of travel insurance for students who are going overseas for their education. In case of an emergency in a foreign nation, you would have to spend a lot. But when you have the right student travel insurance, it protects you from unwanted financial stress and covers during emergency situations.
In most cases, student travel insurance in Lebanon has an eligibility for ages between 16 – 35 years for those who are pursuing their higher education.
One might assume that nothing can go wrong while abroad and not buying student travel insurance might save some money. But when unforeseen circumstances occur, the losses incurred are much more than the savings. When in a foreign land, there are numerous benefits of having a student travel insurance policy. A few of them are:
Some policies offer compassionate visits. So, if you are hospitalized for more than a particular number of days (differs for each insurance plan), the insurance may cover the cost of travel and stay for any one of your immediate family members.
While the services covered may vary depending on the insurance company and the type of policy chosen, generally, the following are covered in a student travel insurance policy
Some situations that may not be covered under your student travel insurance policy are:
To get your ideal student travel insurance policy, consider the following:
Check the countries included in your policy
Firstly, check the countries for which the policy offers coverage so that the country you are visiting is not excluded from it. There are certain student travel insurance plans that offer cover for only some specific countries.
Read through the policy terms and conditions
Make sure you go through the policy documents to know what’s covered and what’s not. Check if the policy has any restrictions based on destinations and activities.
Know the claim filing process
Just in case you need to file a claim, you need to know the process. Be transparent about your trip plans and declare everything you plan to carry. This will make the claim filing process easier.
If you want to save some money on your student travel insurance policy, follow these tips
You can renew your student travel insurance policy online with BuyAnyInsurance easily. Just add your passport details, your policy number to make an online payment. Receive a soft copy of the policy in your inbox. You can also call us at +961 01 488 277 to talk to our customer support staff who will help you renew your travel insurance policy. In case your requirement has changed and you need a new policy, our insurance experts are ready to guide you through the whole process.
Expat health insurance is designed to cover financial liabilities incurred by expatriates while living and working in a country other than one's own. Keep in mind that you should obtain your expat health insurance prior to relocating to a new destination or country.
If you are an expat working in Lebanon, then you must take an expat health insurance for your own safety. In case of a medical emergency, you don’t want to incur huge expenditures yourself. With the right kind of expat health insurance policy, you’ll be covered for emergency & unforeseen situations.
An Expat health insurance policy may generally include the following, however it may vary from insurer to insurer
Medical consultations
This includes coverage for visits to general practitioners or specialists in specified clinics and hospitals.
Hospitalization expenses
Coverage for expenses related to hospital stays including room charges, surgical procedures, nursing care, and medical supplies.
Emergency medical treatment
Coverage for emergency medical care resulting from accidents, injuries, or sudden illnesses.
Medications
The cost of prescribed medications is part of inclusions, but it can vary depending upon the terms and conditions of each expat health insurance policy.
Diagnostic tests and lab services
Coverage for various diagnostic procedures like – blood tests, X-rays, MRIs, ultrasound etc. are provided in expat health insurance.
Pre-existing conditions
Depending upon the expat health insurance policy, coverage for pre-existing medical conditions may be included after a certain waiting period. But this is only applicable in certain policies.
Maternity care
Some expat health insurance policies cover for prenatal, delivery, and postnatal care.
Emergency medical evacuation
Coverage for cost of transportation to the nearest appropriate medical facility in case of a medical emergency.
Repatriation of mortal remains
Coverage for the cost of returning the insured person’s body to their home country in case of death.
It is important to understand that each policy has its own inclusions and exclusions, that’s why it is advisable to go through the policy details carefully.
Certain situations may not be covered by an expat health insurance policy:
Cosmetic procedures
Elective cosmetic procedures like – plastic surgery for non-medical reasons are not covered in expat health insurance.
Pre-existing conditions waiting period
Many expat health insurance policies impose a waiting period for pre-existing conditions. During this period, the expenses related to pre-existing conditions may not be covered in your expat health insurance policy.
Experimental treatments
Treatments that are considered experimental or investigational treatments may not be covered.
Substance abuse
Treatment for substance abuse or addiction is not covered.
War or acts of terrorism
Medical expenses resulting from acts of civil unrest, war, or any acts or terrorism are not included in expat health insurance.
Alternative therapies
Certain alternative therapies like – acupuncture, acupressure, naturopathy etc. may not be covered.
Self-inflicted injuries or harm
Treatment for injuries resulting from intentional harm, self-inflicted injuries, or participation in illegal activities is not covered.
Mental health disorders
Coverage for mental health conditions may have limitations or waiting periods. Most expat health insurance policies offer limited coverage for mental health conditions.
Preventive and routine care
Routine check-ups, vaccinations, preventive screenings, and health maintenance services may not be covered under certain expat health insurance plans.
Here’s the list of the most commonly asked documents you would need to get expat health insurance in Lebanon
Documentation requirements may vary from company to company depending on your nationality, age, gender etc.
Renewing your expat health insurance policy online is simple with BuyAnyInsurance Lebanon. Just key in your passport details, your policy number and any other required details like age, weight, height etc to make an online payment. Receive a soft copy of the policy in your inbox. You can also call us at 01 488 277 to talk to our insurance experts who will take care of any tedious processes and help you renew your health insurance policy. In case your requirement has changed, they can also help you issue a new policy.
Pet insurance is a type of insurance coverage designed to provide financial protection for unexpected veterinary expenses related to the health and well-being of pets. Similar to health insurance for humans, pet insurance policies typically cover a portion of the costs associated with veterinary care, such as accidents, illnesses, and sometimes routine preventive care like vaccinations or annual check-ups.It provides peace of mind, knowing that in the event of an accident or illness, there is financial support available to help with the associated expenses.
Having a pet insurance policy can be beneficial in many ways
Depending on the type of coverage chosen, some of the most common covers that may be Included in a pet insurance policy are
A few situations which may not be covered under your Pet Insurance policy maybe:
Here are some factors that can affect the cost of your pet insurance premium
You can renew your pet insurance policy online with BuyAnyInsurance Lebanon easily. Just provide the required details like – name, email address etc. and make an online payment. Receive a soft copy of the policy in your inbox. You can also call us at 01 488 277 to talk to our insurance experts who will guide you to renew your pet insurance policy over a call. In case your requirements have changed, you can get a new policy as well.
You can get the best bike insurance by making an online insurance premium comparison through BuyAnyInsurance and get the best estimated cost through an insurance calculator.
The cost of the bike and type of bike sums to the premium amount paid against your bike insurance. Factors such as age, claims, history of the applicant are also taken into consideration.
Since the risk of accident and theft is higher with luxury and sports bikes, it is slightly more expensive to insure them as compared to a regular bike.
We only require your credit card details when you want to purchase a policy. At no other time will we ask for your credit card details or OTP. Once you share your credit card details and purchase your policy, we no longer need your credit card information. It only facilitates a quick and easy online insurance purchase for you. We do not store any credit card related information with us.
BuyAnyInsurance is a growing insurance comparison platform in Lebanon where you can find the below insurances:
To find out what other insurance services we offer feel free to reach out to us at +961 01 488 277.
Monthly payments might appear like the more affordable option upfront, yet it's almost always the most expensive method to pay for an insurance policy. Paying annually might feel like you are shelving out more cash up front, but you might make up for it in the price advantage that you get.
Late payment may result in the cancellation of your policy and thus would cease to provide cover for you. It may also incur fines or any other legal consequences. For example, If you enter an accident after your vehicle insurance lapses and you haven’t paid to renew it, you'll have to pay out of pocket for any damages on your own plus bear some heavy fines and black points as per Lebanon law.
The insurance company gives an insurance policy number to identify the policy holder. This is mentioned on your insurance policy document.
We'll need an identity card, proof of residence, and financial documents like income proof. For specific types of insurance, other documents may also be necessary. For example driving license and vehicle registration documents for car insurance, health records for health and life insurance.
Provide us with previous insurance policy documents or a letter from your past insurer as proof of a no-claims bonus.
Report the loss to us +961 01 488 277 ,info@buyanyinsurance.com as soon as possible. We will guide you through the process of obtaining a duplicate document.
Electronic copies are considered valid as long as they contain all essential information and signatures.
Contact us at +961 01 488 277 and submit a formal request along with any supporting documentation required for the changes.
Photocopies may not be accepted as a substitute for original documents unless verified and stamped by the insurance provider.
Updated documents are issued at renewal or when you make changes to your policy.
You'll need your policy document, proof of the incident (police report), repair invoices, and/or medical reports. Additional documents may be required at the discretion of the insurance company.
Keep these documents for as long as your insurance policy is valid. It is necessary to have it in times of claims, changes, or renewal.
You'd need to provide the details of the individual or entity, their identity documents, and any other relevant document based on the insurance required.
A written request or cancellation form is needed when terminating your insurance. Other relevant documents may be required at the discretion of the Insurance company.
Contact us at +961 01 488 277, and we will guide you through the process, which may involve submitting a written request and a nominal fee.
Typically, you'll need the previous year's policy document. With us, in a few clicks you’ll have your renewed policy. Our insurance experts are here to assist you, always.
Yes, providing false or inaccurate information may result in policy cancellation, claims denial, or even legal consequences. Be sure to be honest with us for a smooth experience and get your Ideal coverage.
For certain types of insurance, especially life or health, you should report significant changes. Failure to do so will impact claims or policy validity.
We are required by law to protect personal data. Only authorized personnel within the company and relevant regulatory authorities can access your information.
Your old policy documents remain with your previous insurer, and you'll receive new documents from your new provider. It's advisable to keep copies of all past and present policies.
Processing times vary, but once all required documents are submitted, your insurance policy is usually activated Instantly or sometimes within a few days.
Every insurance policy may have their own terms of refund which may be outlined in the policy itself. Please refer to your policy document carefully to understand the refund terms. Alternatively, you may contact our insurance experts at +961 01 488 277 for assistance.
Health insurance is a type of coverage that pays for medical and surgical expenses incurred by the insured person. Health insurance in Lebanon offers protection against high or unexpected health care expenses.
Choose from the best health insurance providers in Lebanon on BuyAnyInsurance and get a policy that suits your requirements and budget.
In Lebanon, a typical health insurance policy covers a range of services. They include:
Hospitalization
Coverage for in-patient hospital stays, including room charges, surgical procedures, and medical treatments.
Outpatient care
Coverage for visit to doctors and specialists, outpatient clinics for consultation, and diagnostic tests.
Prescription medications
Coverage for prescribed medications that are necessary for the treatment of any illness or injury.
Emergency medical treatment
Cover for emergency medical care including ambulance, emergency room visits, and urgent medical treatments.
Preventive care
Coverage for routine preventive services like vaccinations, health screenings, and annual check-ups.
Mental health care
Coverage for mental health consultations with specialists, therapy sessions, and treatment for mental illness.
Maternity and newborn care
Coverage for prenatal and postnatal care, childbirth, and related services for expecting mothers. Some health insurance plans also include new born care.
Keep in mind that each insurance policy has its own specific inclusions and exclusions, so go through the policy document carefully to know all the details.
Exclusions in health insurance can vary from one insurance provider to another in Lebanon. Common exclusions include:
Dental and eye care
Basic dental and eye care, like routine check-ups, teeth cleaning, and eyeglasses prescription is not covered. However, some plans offer optional add-ons for dental and eye care.
Cosmetic procedures
Elective or cosmetic procedures like plastic surgery or other non-medically necessary surgeries are not covered.
Pre-existing conditions
Many health insurance policies have a waiting period for pre-existing conditions. This means they do not cover the expenses related to any health condition that existed before the start of the policy.
War and terrorism
Expenses related to injuries or illnesses resulting from wars, acts of terrorism, or civil unrest are not covered under health insurance policies in Lebanon.
Self-inflicted injuries or self-harm
Treatment for injuries that are intentionally self-inflicted or resulting from illegal activities are not covered.
Substance abuse and mental health conditions.
Substance abuse is not covered and certain mental health conditions may have a waiting period. To know the entire details of your particular plan, get in touch with our insurance experts.
Alternative and complementary therapies
Coverage for alternative treatments like – naturopathy, acupressure, acupuncture etc. is not included in most health insurance policies in Lebanon.
While documentation may vary from provider to provider, the following documents may be required to obtain a health insurance policy in Lebanon:
Renewing your health insurance policy online in Lebanon is simple with BuyAnyInsurance Lebanon. Just add in your passport details, your policy number and any other required details to make an online payment. You will receive a soft copy of the policy in your inbox. You can also call us at 01 488 277 to talk to our insurance experts who will take care of any tedious processes and help you renew your health insurance policy. In case your requirement has changed, they can also help you issue a new policy.
