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 The Family is the initial building block of society; it is also, where a person usually feels the safest. As modern life evolves with new challenges and a far more competitive lifestyle, it is only normal that we feel the need to cherish what is most dear to us. 

ADIR has thought of families and bundled its services to match the need of every family member. Parents and children alike can benefit from our packages throughout the different phases of life.

With our array of insurance programs, you can be sure that every member of the family receives the best health care possible, that your belongings are protected from accidents and achieve comfort when you are traveling. Our team of professionals can tailor your insurance coverage to meet the need of every member in your household.
Adir through its international connections is able to cater any type of unusual coverage that could be needed.


Protection Needs

Level Term Life

There is no greater treasure in life than a person’s family. As all treasures, we need to protect our family and make sure they remain out of harm’s way. Especially in today’s challenging world where economic problems intersect with the well being of the person, instability and health issues are more frequent. We have thought of all your needs to make sure you and your loved ones are safe. Our Family Level Term Life program offers unprecedented payment facilities and extended coverage to secure a better future.

Contract Term:

It provides protection covers yearly renewable till the Retirement age.

Main Cover:

Natural & Accidental Death Benefit.

Additional Covers:
  • Permanent & Total Disability Due to Sickness and Accident
  • Permanent & Partial Disability Due to Sickness and Accident
  • Double Indemnity in case of Accidental death
  • Double Indemnity in case of Permanent & Total Disability Due to Accident
  • Double Indemnity in case of Permanent Partial Disability Due to Accident
  • Passive War Risk in case of Death Benefit
  • Passive War Risk in case of Permanent &Total Disability
  • Passive War Risk in case of Permanent & Partial Disability
  • Accelerated Terminal Illness Benefit*

Anyone aged between 18 and 60 years can adhere to this policy. The cover ceases at age 65.

*50% of the total sum insured with a limit of 500,000$.

Click here to access the simulator Term Life Plan Simulator


Level Term Life Plan for 5 years renewable

The Level Term Life Plan is issued and renewed over 5 years at new premium rates without medical evidence.

Contract Term:

It provides protection covers yearly renewable till retirement age.

Main Cover:

Natural & Accidental Death Benefit.

Additional Covers:

• Permanent & Total Disability Due to Sickness and Accident
• Permanent & Partial Disability Due to Sickness and Accident
• Double Indemnity in case of Accidental death
• Double indemnity in case of Permanent & Total Disability Due to Accident
• Double Indemnity in case of Permanent & Partial Disability Due to Accident
• Passive War Risk in case of Death Benefit
• Passive War Risk in case of Permanent &Total Disability
• Passive War Risk in case of Permanent & Partial Disability
• Accelerated Terminal Illness Benefit*

Anyone aged between 18 and 60 years can adhere to this policy.The cover ceases at age 65.

*50% of the total sum insured with a limit of 500,000$.

Click here to access the simulator 5 Years Term Life Renewable Plan

Personal Accident

Families are the building blocks of every human society. As the caretaker of your family the responsibility is upon you to protect those who look up to you. ADIR just made this task easier for you with the personal accident solution that ranges from accidental death into Total or  partial disability. Life doesn’t always have to be unfair if you have us by your side.

Covers:
  • Accidental Death
  • Total Permanent Disability
  • Partial Permanent Disability
  • Weekly Indemnity
  • Medical Expenses


Travel Insurance and Assistance plan 

It’s that family trip you have been planning for a long time, it took forever to organize and your itinerary is set. Take that extra step to ensure you only come back with happy memories and no regrets. Protect your travel plan and your family members with this full coverage plan from ADIR.

Travel Insurance and Assistance plan

A Travel Insurance which provides medical protection and assistance services for the insured persons in the event of a sudden illness or accident during their journey outside their usual country of residence.

Covers:

• Medical Expenses
• Medical Repatriation
• Extension of the stay due to illness or injury abroad
• Travel and accommodation expenses of an immediate family member
• Dispatch of medicines
• Repatriation of mortal remains
• Emergency return home following the death of a close family member
• Emergency return home following damage at his place of residence
• General Information services
• Advance of funds
• Loss or damage to registered luggage and/or personal effects
• Compensation for expenses due to delay in luggage arrival
• Compensation for loss of Passport 


Health Care Plan 

The worst feeling in the world is watching one of your family members fall sick while you are helpless and don’t have the ability to treat them. Luckily this is a thing of the past with ADIR’s compatible and flexible Medical coverage plan. With affordable payments and around the clock coverage, you and your loved ones are always safe knowing that we are always by your side.

ADIR’s program is managed by NEXTCARE; a third party administrator specialized in the medical assistance & support.

Coverage Benefits:

• 24/24hrs Assistance, all year round.
• Network :

a. Class A (1 bed) : All hospitals
b. Class B (2 beds) : All hospitals
c. Class K (2 beds): All Hospitals, excluding Clemenceau Medical Center, American University of Beirut Medical Center and Hotel Dieu de France.

• Medical Expenses resulting from emergency and approved cases.
• Lifetime limitation for Chronic Diseases
• Prosthesis including stent related to a covered medical necessity are covered up to $10,000
• Physiotherapy treatment related to post surgical intervention or following an accident requiring hospitalization whether delivered at the hospital or outside, during the contractual period of the policy and up to 30 sessions per person per year.
• Maternity benefits including delivery, medically mandated abortion, miscarriage and epidural.
• Morgue and burial costs if the insured dies at the hospital up to US$2,000-
• Newborn Babies medically eligible, and whose maternity has been covered by the Insurance Company, will be added to the Policy, from day zero, free of charge, and for the remaining contractual period of the parents Policy, and will benefit from the same Policy terms and conditions.
• Infertility shall be covered as per policy terms and conditions. up to $1,500
• Breast Reconstruction following partial or complete breast excisions due to a breast cancer with the cost of the prosthesis is covered up to US$3,000- (Three Thousand US Dollars) for all classes, as per Policy terms and conditions.
• All Adherents will benefit from a worldwide coverage that allows them to a reimbursement of medical expenses incurred abroad according to ADIR’s preferential tariff.

OUT of Hospital

Insured patients may use any Laboratory, Diagnostic or Physiotherapy center within our Network after consulting their attending physician.
The Special advantages under the Ambulatory Plan are:

• Up to US$5,000- per year
• Coverage of most Pre-Marital tests as mandated by Lebanese Law
• Three obstetrical Ultra-Sound, One morphological Ultra-Sound, One Amniocentesis per pregnancy when maternity is   covered
• Laser therapy, Physiotherapy, Kinesitherapy
• Thallium myocardial scintigraphy
• Abdomino-Pelvis Ultrasound
• One Osteodensitometry test is covered per year when medically necessary

Expatriate Health Care Plan

 “There’s no place like home”, nothing is harder than to be stranded away and not being able to get back to your home. You will want to make sure that nothing comes in your way. ADIR’s Expat Health Care Plan will make sure you are covered against health disorder and Permanent or Partial Disability.

Evacuation fees can also be granted in specific cases.

As required by the Lebanese Law, this Insurance Policy covers the following:

A- Death and Repatriation, including evacuation fees* to the insured’s country of residence.
B- Hospitalization expenses under 3rd class covering accidents, all kind of diseases and one Laboratory test per year,
C- Total Permanent or Partial Disability following an accident.

D- Evacuation fees are granted in the following cases:

• Upon the request or decision of the legal authorities.
• In case of death of the employer.
• In case the Lebanese Courts declare bankruptcy of the employer.
• If the insured (Foreigner) is affected by an incurable disease during the contractual period.  

Belongings and Liabilities

Motor insurance

Nice weather, long road, beautiful scenery and the entire family on board for a day of quality time spent together. And then some reckless driver comes and spoils it all for you. Shield your loved ones from harm and protect your car with the innovative Motor coverage from ADIR now!

1-Motor Obligatory Insurance:

The obligatory insurance covers all bodily injuries caused by an insured vehicle to a third party. This insurance is imposed by the government under Law number 105 dated 30/06/1977, and law 9585 dated 30/01/2003.

The bodily injury claims are covered up to 750,000,000 L.L. 

It is important to subscribe to this policy with a reliable insurance company. The results of a non paid claim can ruin lives. You should also be aware that the fixed price for this policy, set by the government, is 65,000 LBP, any policy below this charge is considered as illegal.

 2-Motor Third Party Liability Insurance:

The motor third party liability covers your own liability towards Third Parties.

• Three Plans are proposed with the below covers: Material Damages ranging from 50,000$ to 1,000,000$
• Medical Expenses
• Death of family members
• Permanent Partial or Total Disability of family members

3-Motor All Risks Insurance

ADIR’s all risks offers are flexible and adaptable to the clients’ needs. This type of policy can be given to all private cars excluding taxis and Rental cars

Two offers are available: ADIR Plus* and ADIR*

3.1-ADIR plus

• Third Party Liability
• Third Party Liability due to Fire or Explosion
• Bodily Injury
• Fire & Own Damage up to the car value without deductible.
• Burglary & Hold-up up to the car value
• Partial theft
• No depreciation on new spare parts
• Reparation at dealer’s garages for the first 3 years 
• Registration fees for new car in case of total loss
• Driver & Passengers up to: Medical Expenses: US$.2, 000 -  Death: US$.5, 000.-
• Air-Bags, Sensors &Tableau de bord without depreciation.
• Road assistance 24h/24h
• Replacement car
• War, Civil War, SRCC & Terrorism up to US$ 2.500

Please refer to ADIR for a Simulation

3.2-ADIR
  • Third Party Liability
  • Third Party Liability due to Fire or Explosion
  • Bodily Injury
  • Fire & Own Damage up to the car value
  • Burglary & Hold-up up to the car value
  • Driver & Passengers up to: Death: US$ 5,000 -Medical Expenses: US$.1, 000.
  • Air-Bags, Sensors & Tableau de bord
  • Road assistance 24h/24h
  • Replacement car
  • War, Civil War, SRCC & Terrorism , Excluding Malicious Damage up to US$ 2.500

Click here to access a simulator Motor All Risk Simulator

*conditions applied

Fire and Allied Perils

Families often invest a lot in belongings and all the elements that complete a household. Why leave yourself vulnerable to incidents beyond your control? Avoid having all that you have built swept away by forces of nature or misfortunate odds.
ADIR has arranged an insurance policy to protect all your prized possession and erase these worries:

The fire policy covers accidental physical damage to the movable and immovable property of the insured arising out of a covered fire with flames.

Additional covers: 

• Liabilities towards: neighbors, co-owners, tenants and landlords
• Natural catastrophes: Earthquake, thunderbolt and/or lightning, storm, tempest and flood etc…
• Optional covers: Water damage, glass breakage, impact, aircraft, explosion, removal of debris, architects and surveyors fees etc…  

Burglary

 Each family possesses a treasure it has acquired or has received through various generations. The loss of such possession can leave emotional and financial traces in the midst of each household. While emotional value can never be really quantified, ADIR can help families through its coverage plan to retrieve, at the very least, the financial value of their lost assets.

Boat 

Blue sky, golden sun, and the sea breeze mixed with laughter and happy sounds of your loved ones. A family trip on your boat with nothing else in mind but relaxation and enjoyment. To indulge in this delight, secure your peace of mind with ADIR by protecting yourself and your family from all sorts of risks, including third party liability or the unfortunate total loss of your boat. We are here to make sure you have the right coverage plan to help make every outing with the family a trip to remember.


General third party Liability insurance

Taking care of your family and children is not limited to providing their own needs but also protecting them in case of any liability. Accidents happens in life, whether induced by human error or brought out by some unexpected disfunctionality of an owned product, ADIR’s coverage plans protect the future of your family through a wide range of compensation for all sort of mishappenings.

This policy covers the legal liability of the insured toward Third party liability for Bodily Injury and property damage during their presence at the insured’s premises.
The cover can be extended to include Lift, Valet parking and food poisoning.

 

Partial &