HIP Medical Insurance

HIP is a Health Insurance Plan provided by the American University of Beirut and offered to IC faculty and staff hired before July 2009. The premium rates are determined by the University and are subject to change from time to time without notice.

• IC pays 65% of the premium
• The employee’s share is deducted from the monthly salary
• An alternative upgrade to 1^st class is available and provided by the insurance company “LIA” at lower rates

For more information about HIP regulations and services, please refer to the HIP booklet available in all school office:

• Continued HIP coverage is available to retiring faculty and staff who have reached the age of 60 and have been with HIP for 15 years
• Dependents are covered up to the age of 25 years provided they are single and unemployed
• Deductible fee per hospital admission:
  • LL 450,000 – 1^st class
  • LL 100,000 – 2^nd class (waived if you have the LIA upgrade)
    
• Deductible fee per outpatient service:
  • 12% – 1^st class (sharing should not exceed LL 450,000/patient/year)
  • 5% –  2^nd class (sharing should not exceed LL 200,000/patient/year)
• Co-payment on doctors' visits is LL 10,000 for the first five (5) visits
• Co-payment on Emergency Room (ER) visit: LL 15,000/visit
• Co-payment on eye exam: LL 25,000/visit