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In today’s fast-paced lifestyle most individuals, whether single or married, long term employed or fresh graduates, are faced with increased challenges and look towards a reliable partner to protect themselves, their families and future plans.

Your concerns may be related to your daily well-being and health in your country or abroad, a preciously cared-for vehicle (car, motorcycle, boat, truck…), that dream vacation you’ve been meaning to take, or your idyllic retirement plans. To us we put the individual that is you at center of our services and we tailor the most adapted packages to fulfill your life needs and cater for your peace of mind with unprecedented coverage.
Adir through its international connections is able to cater any type of unusual coverage that could be needed.

Protection Needs:

Level Term Life

It has been said: “If you do what you need, you’re surviving. If you do what you want, you’re living.” At ADIR we care about helping you make the best of every moment in life instead of just worrying about what the future holds.  To allow you as an individual to grow and seize the day, we offer the Level Term life Insurance with the following terms and benefits.

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

Live your life to its fullest potential, go on your own personal growth journey and achieve all your dreams without the slightest worry that your plans could be interrupted unexpectedly. ADIR’s worldwide personal accident policy will keep you covered against personal accidents, whether death or disability, and make sure your legacy goes on in the case of an untimely passing, even if exposed to a passive war risk.

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

Travel Insurance and Assistance plan

“There’s no place like home” is not just a line out of a movie; it’s also a real expression of our attachment to the safety and comfort we have created, by being in our familiar environment. Take some of that safety with you on the road as you go away on new adventures thanks to ADIR’s Travel plan

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

No matter how successful you have become as an adult or how healthy your lifestyle is, we are all subject to health risks. It’s the human nature that keeps us vulnerable where ADIR’s mission is to help individuals have proper medical coverage for those risky days. Whether you have a social security plan or not ADIR offers you a Compatible program with your existing cover or as a replacement. A 24/7 assistance medical coverage can be adaptable according to your needs and budget.

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

In the current globalized economy, expats have become increasingly present on all Lebanese territories. If you have taken that path towards a better career and future, you will want to make sure than nothing comes in your way. Neither disability, nor incidents, nor even an untimely death would prevent an expat’s return home, among their loved ones. ADIR understands this, and has specifically built this policy to cover you in case of death, disability or medical needs in a foreign country.

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

B-Death and Repatriation, including evacuation fees* to the insured’s country of residence.

C-Hospitalization expenses under 3rd class covering accidents, all kind of diseases and one Laboratory test per year,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

A special bond is often created between a person and their vehicle. ADIR respects that and has made it easier for you to take care of your car and your liability at once.
Protect your prized possession with an all risk insurance or a third party liability. Most of all, subscribe to the obligatory bodily insurance that is required by the law.

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:

This policy 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:Medical Expenses:US$.1,000.- Death:US$   5,000                                                        
  • 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

As one person up against the world, we are often blocked with a feeling of helplessness when faced with accidents beyond our control such as fires, earthquakes and such. Give yourself that extra margin of safety when up against natural and unknown odds by subscribing to ADIR’s Fire & Allied Perils Plan.

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

In today’s challenging world and business environment, we find ourselves often striving harder to achieve our goals. Protecting our prized belongings is an essential part of our survival and success. ADIR’s Burglary coverage insures compensation when any of our acquired assets fall victim to theft and loss. In case of loss, we would be able to pick-up our life where we left off and move forward without having to rebuild from scratch.


Boat

There is a special bond connecting humans and the sea. Boats represent that link. We have the right plan for you, whether you choose your boat for sailing, fishing, adventures or just a mean to relax and enjoy the finer things in life. To protect you from risks and liability and to ensure your boat against total loss, ADIR has developed a tailor-made coverage plan dedicated for your boating needs.


General Third Party Liability Insurance
 

It takes a split of a second for a bad decision to be made and its implications can affect you for a lifetime. Protect yourself against a large range of third party liabilities towards physical injury or other responsibilities that you may have fallen victim to. Several plans are available that suits your needs perfectly.

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.