Smart and life-saving medicines, a large and high-quality list of doctors, extensive coverage in the event of a serious illness - and service with a hand on the pulse: "Menora Mivtachim" offers the best and most innovative health insurance on the market • Especially now, here's everything you need to know before purchasing
Everything you need to know before purchasing health insurance
The past year has reminded us anew how important and critical health is and the ability to receive quality medical services, especially when the health system in Israel is considered one of the busiest in the Western world.
The variety of private health insurances offered to us can confuse the average citizen, especially in an age of affluence and diverse choice.
This is one of the reasons why many Israelis are satisfied with the health insurance provided to them by the various health funds.
Orit Kramer, Deputy CEO of Menora Mivtachim and Director of Health, claims that this is not enough in the current reality. "The additional health services of the HMO are very 'nice to have'. Many people purchase the HMOs' coverage. Because they are perceived as part of the basic health basket they offer us, "she says.
"Although they contain important coverages such as private surgeries, transplants and special treatments abroad, but when it comes to private surgeries through the ISA - these include deductibles for the cost of the surgery by the insured in amounts that can be significant and subject to the HMO's list of surgeons.
"In addition, these coverages are subject to the health basket, so in many cases surgeries with innovative technologies that have not yet entered the health basket will not be covered under the ISA.
It should also be noted that the health insurance of the fund does not cover non-invasive surgeries.
And of course we all know the long wait for various surgeries in the public health system. "
Kramer points out another important advantage that is found in private health insurance: broad drug coverage that includes life-saving and life-prolonging drugs, as well as customized drugs, which can cost tens of thousands of shekels.
In addition, Kramer details, the fund's PA does not cover important tests such as MRI and CT.
"Despite all this, there is definitely importance to additional health insurance for reimbursement for insoles, discounts on medicines purchased at the fund's pharmacies, developmental treatments for children, hearing aids, orthopedic accessories and a second opinion from specialist doctors."
Some will say that is enough
"When an insured person is facing a serious illness or major surgery, he wants to have private health insurance. This is the real solution: a body that will stand behind him and take care of his and his family's health. It is a must have."
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When asked which insurance coverage is most important to purchase, Kramer answers: "Out-of-basket medications and customized medications."
surprising.
Usually the prevailing opinion is that it is most important to be covered in case of surgery, which is considered more expensive and complicated.
"The issue of medicines is a complex one, and in order to try and understand a little about this specific field, it is important to know the history: The Arrangements Law enacted in 2008 published an amendment to the State Health Insurance Law that prohibited health funds from providing life-saving and life-prolonging supplements.
"The claim was that the inclusion of life-saving and life-prolonging drugs in the framework of the ISA programs is contrary to the principles of solidarity that underlie the State Health Insurance Law.
Since the amendment of the law the only option for coverage for these drugs is through private health insurance.
The importance of coverage, the high monthly costs of the medications and the fact that these are life-saving and life-prolonging medications have made this coverage a must-have coverage for every family.
Every year, life-saving and life-prolonging drugs enter the national health basket, but unfortunately as citizens, the budget is limited and many drugs remain out of the basket.
"Coverage for customized drugs is born out of technological innovation we experience in the healthcare market. In recent years there has been a development in cancer treatments through the development of smart and advanced drugs. Medicine has become customized with the most important tool of personalization being genomic testing. In a particular patient, a profile that allows testing for known drugs or treatments that are in clinical trials that can be used to fight the specific cancerous growth.
"This is the main reason I call on agents to sell the coverage for specialty and customized drugs before any other insurance coverage."
What should you check before purchasing private health insurance?
Wide list of doctors:
In an age of a uniform policy and a ban on paying reimbursements for surgeries performed by doctors who are not in agreement with the insurance company, it is important to join insurance to cover surgeries in a company whose list of doctors is wide and high quality.
Menora Mivtachim has about 1,800 surgeons in the agreement: this is the largest list in the private insurance market today.
We attach doctors who are wanted by the clients every day, so that a situation does not arise where a client wants a particular doctor and we will have to reject the request.
Service that makes the difference:
Today the main coverages in insurance companies are very similar when it comes to medical expenses, so the service that the insurance company gives to its agents and customers is very important.
Menora Mivtachim has engraved on its banner first-class service because when a person buys a health insurance policy, he expects the insurance company and agent to stand behind the promise to be there for him when dealing with a medical problem or serious illness, and we like to stand behind the promises: not only reimbursement and medical expenses Transition - with support, guidance and assistance in everything possible in order to deal with the medical problem from the discovery stage to recovery.
This is the sixth year that Menora Mivtachim has won first place in the service survey of the Bureau of Insurance Agents in Health Insurance among all insurance companies.
Coverage in case of serious illness: The
insurance companies offer a policy for compensation in case of discovery of serious illness.
It is very important to note that the coverage will be extensive and will also include compensation for cases of local cancer, which unfortunately, are very common.
Severe illness is also an economic event because when someone in the family is ill expenses such as absence from work and transportation to treatments are added.
We offer one of the market-leading policies for compensation in the event of serious diseases, which includes coverage for 43 serious diseases as well as compensation for 19 types of local cancers.
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The publication of the contents and commercial information in the article does not constitute a recommendation or offer by the Israel Today system to purchase and / or use the services or products in the article.
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