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MedNet (Medical TPA)

Nextcare (Medical & Travel TPA)

La Medicale (Travel TPA)

In case of an accident

When an accident occurs, most of us disregard the existence of an insurance policy that could save us a burden.

Some key steps are necessary to follow in order to act in the most eligible and certified way and reduce the possibility of conflicts in the future.

So help us, help you in  “Your Easy Way Out” possible.

WHAT TO DO IN CASE OF A MEDICAL CLAIM?

In case of an emergency:
  1. Go to the hospital
  2. Present your insurance access card.
  3. The Approval will be transmitted to you through the Hospital or the delegate (if available).
Note: If you need an admission in an emergency, and you are co-insured with the National Social Security Fund (NSSF), Please make sure to get the NSSF’s late approval.
In non-emergency cases:
Provide the following documents to the Insurance office at the hospital (or directly to Fidelity), preferably 48 hours ahead of time:

  1. The official original medical report and supportive documents (showing the cause and doctor’s signature).
  2. The access card
  3. Your ID card
  4. Your prior National Social Security Fund (NSSF) approval, in case you are co-insured with NSSF.

Out-hospital (laboratory tests and X-rays…):
You can head directly to the laboratory with the following documents:

  1. The official original medical report and supportive documents (showing the Diagnosis and doctor’s signature)
  2. The access card
  3. Your ID card

The laboratory will provide you with the Approval.

Remarks:

  1. Ask for the nurse delegate, if available, during working hours.
  2. For Assistance outside working hours call the claims center at 01/577200.
  3. All the above is subject to the policy terms, conditions and exclusions.

WHAT TO DO IN CASE OF A MOTOR ACCIDENT?

Immediately contact one of the experts listed in the motor expert booklet.

  1. Do not negotiate, admit responsibility, or pay any amount to anyone without prior written approval from Fidelity.
  2. Visit your branch within 24 hours to fill out a declaration form, and evaluate your car’s damage before repair.
  3. If the car is not in a running condition, please call the towing service on the phone no. listed on the top of your policy (01-870222 for FAST; 70-870700 or 04-400678 for SODEPEX) to transport it to the nearest garage.
  4. In case of bodily injury call La Medicale on 01-502430/1/2 to follow up on the injured passengers in hospitals.

*1- The towing service is provided by companies in agreement with Fidelity, and its quality service is out of Fidelity’s control.

*2- In light of the roads’ infrastructure and the towing trucks service levels in Lebanon, kindly expect a delivery time not less than a 90 minutes from the moment you order the towing truck.

WHAT TO DO IN CASE OF PERSONAL ACCIDENTS (PA)?

  1. In case of a personal accident, head directly to the nearest hospital in agreement with the Company to receive the required treatment, with any ID card or a declaration attached to the specific groups’ contract
  2. LA MEDICALE (Fidelity’s representative at hospitals) shall coordinate with the hospital to provide the injured with the necessary services and care. The injured can also pay his dues directly to the hospital or to the party that is offering the treatment, and then present his invoices along with the required documents to the Fidelity, in order to retrieve his money.

The required documents:

  1. The Declaration of Accident
  2. .The medical report
  3. A copy of the ID
  4. The invoice related to the treatment’s expenses

WHAT TO DO IN CASE OF PUBLIC LIABILITY ACCIDENTS?

  1. Inform the Company as soon as the accident occurs.
  2. In case of physical injury, the injured needs to be taken to the nearest hospital in an agreement with Fidelity (kindly refer to the list of hospitals in agreement with the company), along with the Declaration of Accident attached to the insurance policy.
  3. LA MEDICALE (Fidelity’s representative at hospitals) shall coordinate with the hospital to provide the injured with the necessary services and care, and get the hospital’s approval on behalf of Fidelity.
  4. LA MEDICALE will inform Fidelity about the accident's details and costs to undertake the necessary measures as per the contract’s terms.
  5. In case of material damage, Fidelity shall send one of its representatives to assess the losses.

WHAT TO DO IN CASE OF WORK RELATED ACCIDENTS?

  1. In case of a work related accident, the injured needs to be taken to the nearest hospital in an agreement with Fidelity (kindly refer to the list of hospitals in agreement with the Company), along with the Declaration of Accident and the Insurance Policy.
  2. LA MEDICALE (Fidelity’s representative at hospitals) shall coordinate with the hospital to provide the injured with the necessary services and care, and get the hospital’s approval on behalf of Fidelity.
  3. After completing the treatment and the required recovery period, the injured must present a medical report mentioning the duration of incapacity, with ID and a copy of the claim, as well as a copy of the employment leave (if he’s not Lebanese) based on which his rights will be settled, in conformity with the Lebanese Labor Code.

WHAT TO DO IN CASE OF MARINE ACCIDENTS?

  1. Send a reservation letter immediately to the cargo company.
  2. Call Fidelity as soon as you notice any damage or loss of your merchandise, whether it occurred in Lebanon or abroad, and present the following documents:
    • The insurance policy
    • The bill of lading- The invoice
    • The packing list
    • The reservation letter
  3. Fidelity will appoint the appropriate marine expert, whether in Lebanon or abroad, to assess the accident and determine its causes, circumstances, and the endured damages.
  4. Fidelity will study the report, and evaluate the measures to be taken while taking into consideration the recovery that should be collected from the responsible party for the endured damages.

WHAT TO DO IN CASE OF A FIRE OR THEFT ACCIDENT?

  1. Call the police immediately before touching anything, and inform your branch in order to send a representative to assess the damage resulting from the accident and appoint the appropriate loss adjuster.
  2. Show all the documents and invoices related to the accident.
  3. The expert will share his report with the Fidelity, revealing the details of the accident, the circumstances, and the costs endured.
  4. The Company will study the report, as well as the measures to be taken in order to compensate for the endured damage.

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