good to know
health
Under 65?
Cover from head to toe, in the standard of private medicine
Do you urgently need a specialist doctor because of a worsening medical problem?
Wait at least 4 months until the next available appointment.
Need a CT or MRI?
Wait at least 7 months.
Haven't you checked your health insurance in the last two years?
You pay more and get less.
You should know Sal Insurance Insurance Center
Tags
Medical insurance
In collaboration with Sal Insurance Center for Experts
Monday, 23 August 2021, 15:51 Updated: Thursday, 26 August 2021, 15:29
Share on Facebook
Share on WhatsApp
Share on general
Share on general
Share on Twitter
Share on Email
The health care system is "suffocated" and Israelis wait about 7 months for imaging tests or advice from specialist doctors (Photo: PR)
Although Siegel underwent a manual breast examination and mammogram, which revealed nothing, she continued to feel that something was wrong with her body, and demanded an MRI.
In the HMO to which she belongs, the closest appointment was for another 7 months, and because she had already undergone a mammogram, the private insurance company did not approve the test.
Siegel did not give up and had to pay thousands of shekels for a private and quick MRI examination.
The diagnosis showed that she had breast cancer, and Siegel began receiving treatment.
In retrospect, this test saved her life.
Eli suffered from severe back pain, which affected his functioning at work and at home, as well as his mental state. After trying a variety of treatments that did not help his condition, he sought private advice from a spine specialist orthopedist. When he turned to his private insurance, he was disappointed to find that there was no coverage for a private diagnosis, because in his medical history it is stated that during his military service he had a herniated disc, and the policy does not cover medical problems that have a previous history. Eli realized that a diagnosis was critical in his current condition, and paid a respectable amount to go to a private doctor at full cost.
Like Siegel Valley, at any given moment in Israel there are tens of thousands of people, whose every postponement in line for a diagnosis or a specialist doctor can affect their quality of life, and sometimes even cost them their lives. Most people cannot afford a diagnostic process, which may include a number of tests and consultations with different doctors, and only at the end will the required treatment be decided upon.
so what are we doing? How can we take care of ourselves and our health, and get a quick medical diagnosis when needed? How can we know for sure that if we need a diagnosis or medical advice, surgery or a special medicine, we can get them soon, from the best professionals, and without "eliminating" the savings?
Meet Yair Tahar, CEO of Sal Capital Markets Insurance Agency, and a respected professional among insurance companies in Israel, a risk management expert and in particular for health insurance, and a man with a huge heart. They are more interested than the big insurance companies. In short, as they say, a person should have a lawyer, an accountant, a doctor and a friend who is a mechanic - no doubt, when it comes to health insurance, Yair Tahar is the friend you want in your environment.
The company under his management specializes in examining insurance portfolios, especially in the field of health.
For many years now, Yair and the company's staff have been checking existing insurance portfolios, and taking care to maximize them for thousands of policyholders, and the big bonus?
They do it all for free, and without obligation, for free and without little asterisks.
I was also surprised, but after a meeting with Yair, I realized that it was simply made of a different material.
Beyond the fact that the term "order in the insurance portfolio and medical coverage" sounds like a positive and important thing, I asked Yair, what does it mean in Tekel's?
"Have you and your family the updated insurance portfolio tailored to your needs, your family, health and financial situation, and at the best price. The insurance market in Israel is very wide and includes a large variety of products, when a person does not always know what insurance he has, Death, disability or illness, accident or health problem The average Israeli family pays hundreds of shekels a month for insurance, and statistics show that in many cases we pay a considerable amount for insurance that has become very expensive, and can be purchased at a discounted price, or double insurance, or we pay For insurance that does not suit us at all, and when necessary will also not benefit us, despite the money we paid for it.
"I have encountered hundreds of cases of duplication, and situations where customers pay hundreds and sometimes thousands of shekels a month, most of them in vain. These tests are done with technological tools and through a licensed agent, so as not to miss the fine print in any policy.
" We locate all existing policies of the insured, and then a team of licensed insurance experts, of which I am a part, go over the policies. We look for duplications, check coverage, check costs, make sure coverage is up to date, look for deficiencies for maximum protection, and all with the goal of improving coverage and reducing costs. Our goal is to build a potential future portfolio, tailored to needs, without unnecessary costs or insurance multiplication, and at a competitive and cheaper price than the existing one.
"At the end of adjusting the needs, the customer is presented with an orderly opinion, in which the existing insurance portfolio is presented and accompanying recommendations.
Lots of medications, treatments and surgeries not covered by the policy - in case of trouble it can financially collapse a family (Photo: PR)
"I can say from experience that customers do not know what they have in the insurance portfolio, nor do they know all the insurance coverage that has arisen and developed here in Israel. These cases are common in a ratio of 1 to 4 insured. Often, a customer who contacts us thinks he has some coverage. , When in fact they sold him a completely different coverage. And worse than that - sometimes it's really a matter of personal law.
Rebecca (36), a mother of two small children, requested an examination of the insurance file.
We found that she has a double health policy in two insurance companies from 2017 and 2018, although there is no double compensation in the case of health insurance, that is, she paid an extra NIS 3,500 a year, and that is not all.
We found that her two policies lack substantial coverage, such as coverage for genetic testing, coverage for serious illnesses and drugs for cancer, which has unfortunately become a coup d'etat (1 in 3 Israelis will get some cancer, 1 in 7 men will get prostate cancer, and one in eight women will get In breast cancer).
No one bothered to explain to her how important this coverage was, and in fact made her think she was covered, in that she had coverage for drugs that were not in the basket.
There are very small nuances in health policies, and if you do not pay attention to them the costs can be very high.
It is important to understand that the lack of these coverages can collapse a family financially. "
Leave details and get a free consultation for the exact insurance that is right for you
Name Phone Email
Sounds scary
"Completely. People are unaware of the fact that an examination by an outside and independent factor, like us for example, can detect this and change the picture completely, and thanks to the financial savings that came from canceling the double insurance, she was able to purchase coverage she really needed, and stay with excess in her pocket."
And is this really such an important cover?
Or just another commission for you?
"So it is, that after about six months she called us, and said that she had cancer. Luckily we managed to get the coverages on time, and she received all the medication, treatments, and support she needed, and at the same time received a one-time compensation of about NIS 100,000 for the cover. For serious illnesses, so I ask you: is this important coverage? Or is it just another commission for me?
"And why did I remember this particular case?
She called during the week to announce that a child had been born to her, and she wanted to add her to the family health insurance. "
NIS 100,000 in compensation thanks to a comprehensive review of the policy (Photo: PR)
During the interview, Yair told me chilling stories about cases he encountered during his years of work: If a young woman was diagnosed with a tumor that only a unique operation abroad could solve, and she and her family came to turnips because of the huge expenses that were not covered, patients who did not know about drugs Health, and thought that regular insurance covers them, businessmen who lost their livelihoods due to temporary loss of ability to work, causing prolonged absence from work… but there are also stories of successes, resulting from his advice, and simply saved lives.
For example: "Most do not know, given today Include in the insurance also medical coverage, which changes the whole perception of health in terms of medical diagnoses, waiting time for appointments, expert tests, advanced treatment technologies, and more. In short, there is fast and efficient private medicine in Israel, within reach and for everyone.
"We are proud of thousands of customers from all over the country, who have given us their trust, and are proud that the company in my management and agent team, builds the optimal portfolio for every citizen in Israel, even in extreme situations. Today there are solutions A doctor who treats any trouble and quickly, with free choice of doctors, and with reimbursements of up to 48 hours.
"I have no reason to keep the knowledge with me, why is it good? If I can pass on my knowledge, and help people in life-saving cases, I have done my part, "says Yair modestly.
Like any good Israeli, I had to understand how Yair makes a living from these insurance tests, since they are performed for free, and without obligation, (while the competitors charge them 1,000 and even 2,000 shekels) and require quite a bit of time from him. Here, too, he had a professional and humane answer, which does not characterize many insurance people of his kind: "For us at the agency, it is clear how critical this test is, and I do not want the cost of the test to be a consideration for the insured. but the counseling and testing I'm doing without charge, even those who are insured with my help. people destroyed a lifetime, just because they did not choose to correct their insurance.
I believe that when you are really going to help people, and show them that, and once you see that you did something good and trust On you, then go with you hand in hand, and even if not, I have gained a great mitzvah.
"Another important thing to know, our service does not end there alone. The critical issue is the continued treatment of the customer over the years. Our clients enjoy the continuous accompaniment of a personal agent - something that streamlines and speeds up lawsuit proceedings. We pride ourselves on 85% success in handling lawsuits.
" With us, we enjoy our service, and we refer family and friends, so that they, too, can have their insurance in order. "
In conclusion, besides being captivated by the man's charm, I was finally able to also understand how to put things in order related to health insurance.
If you too want to find out and know more, and have not yet reached the age of 65, I highly recommend you talk to him directly.
He will be happy to help and you will benefit.
Leave details and enjoy a consultation and test to reduce insurance at no cost and without obligation.
Leave details and get a free consultation for the exact insurance that is right for you
Name Phone Email
Share on Facebook
Share on WhatsApp
Share on general
Share on general
Share on Twitter
Share on Email