Africa-only cover can end with the assignment.
A local plan may work where you live today, then lose relevance when your family returns permanently to Lebanon.
20+ yearsExperience behind the ILA programme
24/7Assistance for evacuation cases
2 marketsAfrica and Lebanon in one protection story
Built around expatriate life
Protect the life you built abroad—without losing your connection to home.
ILA brings healthcare access in Africa and Lebanon into one protection story, with evacuation support when local care is unavailable and a continuity path for the day you return permanently.
Care where you live
Access when you are home
Continuity when you return
The problem ILA was built to solve
Your life crosses borders. Most insurance choices do not.
The real risk is not simply a hospital bill. It is discovering that the cover you chose for one chapter does not follow you into the next.
Lebanon-only cover can leave distance in the way.
Strong access at home does not automatically create a dependable care network in the African country where you live and work.
Global cover is not always continuity.
An international plan may be portable, but it can cost more and still offer no built-in transition to a Lebanese insurer when you return.
The ILA answer
Continuity is the benefit behind every benefit.
ILA connects everyday medical access, serious-care protection and the move back to Lebanon within one programme designed for expatriate life.
Direct access in both worlds
Provider networks in Africa and Lebanon help reduce reimbursement friction. Exact hospital access varies by plan and hospitalization class.
Unlimited annual plan limit
ILA Ultima and ILA Premium state an unlimited annual plan limit per insured person, while specific benefits can still carry sublimits or exclusions.
Evacuation when care is unavailable
Dedicated evacuation cover can arrange transport to an appropriate facility when the treatment needed is not available locally in Africa.
A bridge back to Lebanon
Lifetime guaranteed renewability and a contractual transition path can preserve continuity when you return permanently.
Healthcare plans
Two routes to the same core promise.
Both plans are built around hospital protection in Africa and Lebanon. The meaningful differences are territory, network and additional benefits—not simply price.
Wider territory
ILA Ultima
- Africa, Lebanon and the Middle East
- Unlimited annual plan limit per insured person
- Full Lebanon network for classes A and B
- Worldwide emergency benefit up to USD 65,000, through age 70
- Travel assistance included
For hospitalization class S, AUBMC and CMC are excluded from the stated Lebanon network.
Focused territory
ILA Premium
- Africa and Lebanon
- Unlimited annual plan limit per insured person
- Core hospital, surgical, intensive-care and emergency benefits
- Chemotherapy and radiotherapy benefits
- Lifetime guaranteed renewability
The stated Lebanon network excludes AUBMC and CMC across hospitalization classes.
Important: this is a plain-language summary, not a policy contract. Benefits, provider access, sublimits, waiting periods and exclusions remain governed by the issued policy wording and insurer approval.
Care from routine to critical
The moments that matter in real life.
Plan design can extend beyond hospitalization to everyday consultations, tests, maternity and emergency coordination. raziN helps you decide which layers belong in your plan.
Doctor visits
Up to USD 80 per visit and 10 transactions per insured person each year under the Doctors Visits plan.
Ambulatory care
Diagnostics and treatments are available under ambulatory options, subject to the selected reimbursement level and terms.
Hospital treatment
Medical and surgical admissions, one-day procedures, intensive care, chemotherapy and radiotherapy are listed benefits.
Maternity and newborns
Maternity applies after the stated waiting period unless continuity is granted; eligible newborn cover can begin from birth.
Beyond healthcare
Protection when the situation is bigger than a hospital network.
Evacuation & repatriation
When the care you need is not available locally.
The dedicated cover provides 24/7 assistance and can arrange medical transport to an appropriate treatment facility—usually in the member's country of origin—when required treatment is unavailable in Africa. The current material states no financial limitation for evacuation costs and also includes repatriation of remains.
Personal accident
Worldwide protection, around the clock.
Personal accident cover offers compensation for accidental death and accidental permanent partial or total disability, with stated sums insured from USD 50,000 to USD 500,000. Cover is described as worldwide and 24-hour, subject to policy terms.
Life insurance options are also available for discussion; exact benefits require a personalized proposal.
What clients say about raziN
The product matters. So does who stands beside you.
A human point of contact
Someone in Lebanon who knows your case.
Roger Aad · Direct raziN advisor access
“Highly professional and reliable. They provide clear guidance, tailored solutions, and excellent follow-up support for each case. Truly a great experience working with them for the last 5 years.”
raziN client review
Georges Chamy
Business owner · Beirut
“In a world where good service is rare, Roger goes above and beyond every single time. His commitment, high work ethic, and genuine care are unmatched.”
raziN client review
Dr Layla Itani
Private client
“As a company owner, I've experienced their exceptional service firsthand. Their support is amazing and matched by proactive, diligent follow-up.”
raziN client review
Zein El Cheikh
Business owner
These reviews reflect clients' experience with raziN's advisory service and are not ILA-specific. Individual experiences vary. Coverage and claims remain subject to policy terms and insurer approval.
Read our Google reviewsTake the details with you
Read. Share. Then ask the right questions.
Start with raziN's short explanation of the problem ILA solves. Use the detailed brochure for the benefit tables, limits and exclusions behind the summary.
Best place to start · PDF · 11 pages
The raziN guide to ILA
A clear explanation of the expatriate coverage gap, the continuity advantage and the questions that matter.
Download the guideDetailed reference · PDF · 13 pages
ILA 2026 benefits brochure
The detailed healthcare, evacuation, repatriation and personal accident benefits, including key sublimits and exclusions.
Download the brochureCommon questions
Clear answers before you choose.
The right plan depends on where you live, where you expect to receive care and what continuity means for your family.
01Who is ILA designed for?+
ILA is designed exclusively for Lebanese expatriates living in Africa, subject to the insurer’s eligibility rules, underwriting and policy terms.
02Does ILA provide healthcare in both Africa and Lebanon?+
Yes. The current ILA healthcare plans include access in Africa and Lebanon. ILA Ultima also extends the stated territory to the Middle East. Provider networks and hospital access vary by plan and hospitalization class.
03Is the healthcare limit really unlimited?+
The 2026 product material states an unlimited annual plan limit per insured person for both ILA Ultima and ILA Premium. Individual treatments, services and conditions can still have sublimits, waiting periods or exclusions.
04What happens when I return permanently to Lebanon?+
ILA is built with lifetime guaranteed renewability and a route to transition to a Lebanese insurance company with continuity. The transition remains subject to the applicable contractual process and policy conditions.
05Does ILA include medical evacuation?+
Medical evacuation and repatriation are available through dedicated ILA cover. If required treatment is unavailable in Africa, the service can arrange transport to an appropriate facility, usually in the member’s country of origin, according to the policy terms.
06How do I compare plans or get a price?+
A raziN advisor can compare territory, network, hospitalization class, ambulatory care and optional benefits around your country, family and budget. Pricing and acceptance depend on eligibility and underwriting.
Product information notice: This page summarizes the 2026 ILA materials supplied to raziN. It is not an insurance contract, quotation or guarantee of acceptance. Coverage is subject to eligibility, underwriting, applicable territory, provider network, plan class, policy wording, sublimits, waiting periods, exclusions and insurer approval.