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FAQ
To learn more about our services and how they may fit your needs, browse through this list of frequently asked questions and our answers to them, covering topics related to health, motor vehicles and property.
Don't waste your time worrying about issues such as maternity leave coverage, insurance renewal, exclusions in case of insurance elsewhere, coverage in case of burglary, or the geographical limits of a motor insurance policy.
The pages in this section will provide you with an easy-to-use reference to address your concerns.
Don't waste your time worrying about issues such as maternity leave coverage, insurance renewal, exclusions in case of insurance elsewhere, coverage in case of burglary, or the geographical limits of a motor insurance policy.
The pages in this section will provide you with an easy-to-use reference to address your concerns.
What do I do when I want to buy an insurance policy?
You can contact one of our Agents spread across the Lebanese territory, or call the Company directly and we will be more than glad to help you choose the right cover for you.
What do I do in case of an accident?
If a person had previous insurance elsewhere, can he benefit from a waiver of exclusions when joining Fidelity?
Some exclusions will be waived subject to underwriter’s decision. Moreover, exclusion particular to an insured, if any, may be revised.
After how long is maternity covered in an individual/family policy?
Maternity is covered after 365 days of insurance with Fidelity. As for maternity tests, tubal legation, infertility and epidurals, they are covered six months after enrollment.
What is considered a false declaration in Health Insurance? How does Fidelity deal with it?
When a policy holder deliberately withholds vital information about the health status of any person insured under his policy, this is considered a false declaration which, if discovered, may render the policy null and void ab initio.
Does a newborn baby benefit from any insurance cover immediately after birth?
A newborn baby is covered as of day one, as are all congenital cases correctable by surgery.
Until what age can a person with previous medical insurance at Fidelity renew his coverage?
Until the age of 75, but if he benefits from lifetime guarantee of renewability, “LG” provision, he can be covered for the rest of his life.
What do you mean by lifetime guarantee?
It is a provision in which Fidelity guarantees the renewal of your individual healthcare policy without any particular limitation or exclusion and per the standards published, tariffs and conditions.
Does the insured need to get prior approval for hospitalization or tests from Fidelity offices?
No, the insured gets his approval at the hospital and/or laboratories from the Next Care nurse delegate representing Fidelity. Although, it is better to get prior approval for surgeries and In-Hospital admissions from the company.
Who is Next Care Lebanon?
NEXT CARE specializes in providing complete health insurance management and third party administration services. It operates a 24-hour, 7 days a week. It's a call centre that provides a centralized point for any insured member's questions or requirements ranging from medical referral to benefit and coverage queries.
What are the geographical limits of a Motor Insurance policy?
Lebanon. It may be extended to include Arab and North African countries listed in the Orange Card.
How many persons may be accepted under a Motor Insurance policy as “The Driver”?
Any licensed authorized driver is covered under this policy.
What do I do in case of a motor accident?
Immediately call one of our experts listed in the motor expert booklet. (Please refer to the link below)
What do I do in case the car is not in a running condition?
With every purchase of a Motor Insurance policy from Fidelity, you are entitled to free road assistanc (subject to conditions mentioned on the service evaluation form) covering almost all the Lebanese territory 24/7. All you need to do is call the number of the towing service mentioned on your policy folder.
Why is the Bodily Injury policy obligatory?
It’s a must-have insurance policy mandated by the parliament per law no. 9585 as of May 1, 2003, to ensure the hospitalization of the injured third parties due to road accidents.
Are family members covered in the motor third party liability insurance?
All Fidelity motor policies covering material damage are extended to cover, as well, accidental injuries to family members.
Can I insure my home and its contents for a sum below their values?
No, you cannot, because in case of a claim, you will be underinsured and you will not get the full amount of the loss. Therefore, you will be subject to financial loss.
Am I covered against burglary from an opened window?
No, burglary is covered in case of forcible entry only.
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