Why is it important to check private health insurance?

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Despite the public health services to which every Israeli citizen is entitled, about 40% of the public have private health insurance. Although the Israeli health system is considered good, the long wait for professional doctors, for tests and surgeries, causes many in the public to purchase private health insurance that will help you with all these factors and provide additional medical coverage that the state health insurance does not provide.

However, even when choosing private insurance, it is important to check it periodically to make sure you are covered in the best way.

Why do you even need private health insurance?

Coverage and financing of medical services that are not provided under the state health insurance are the most influential factor in purchasing private health insurance. While the drug basket includes subsidies for some life-saving drugs, private health insurance includes broader coverage for financing drugs that are not in the drug basket.

This is critical when a person suffers from a serious illness such as cancer and requires drug treatment that is not included in the health basket and involves very high costs.

Even in cases of surgeries in Israel or abroad, the choice of surgeons in public medicine may be limited or impossible. On the other hand, private health insurance allows the insured to choose their favorite surgeon in Israel and abroad. Another advantage is shortening waiting times for appointments, tests and surgeries.

Sometimes a person will have to wait many months to be examined by a professional doctor in the public health system, while he can visit a private professional doctor subsidized by the private health insurance, with a short waiting time.

But besides responding to medical catastrophes and a bit faster medical dose, private health insurance provides in other areas such as pregnancy, childbirth, child development, complementary medicine and more.

Is private health insurance necessary when there is Shaban?

The state health law allows any Israeli citizen to receive health services free of charge in the health funds. However, alongside the medical services provided within the framework of the law, the health funds offer supplementary insurances for a fee, or abbreviated – Shaban.

The services provided as part of the Shaban are determined in the regulations of the Shaban program and may change from time to time. The insurance coverage under the Shaban changes according to the chosen plan and it includes additional medical and complementary services that are not included in the state health services. However, there are services and coverages that are provided by private health insurances and are not included in the Shaban, such as life-saving drugs or the possibility of surgeries abroad. Therefore, in addition to the supplementary insurance of the health funds, it is recommended to purchase private health insurance that will provide additional coverage for a variety of medical services and needs.

5 good reasons to check your health insurance

There are many reasons for purchasing private health insurance, but not all insurances are created equal, and it is important to professionally check the existing health insurance to know if it is suitable for you or if it is necessary to make changes.

These are 5 good reasons to conduct a health insurance check:

Changes in coverage
Health insurance policies are not set in stone, and they can change over time. For example, the policy may change the coverage for certain treatments, drugs or procedures. It is important to review the policy regularly to ensure that the coverage still best meets your needs.

Changes in personal circumstances
Life can be unpredictable, and personal circumstances can change at any time. These changes can affect your health insurance coverage, such as marriage, divorce, the birth of a child, or a change in your activities. It is important to check the health insurance policy to make sure that it provides adequate coverage according to the new circumstances and is a good fit for you and your family members.

Avoiding surprises
Medical procedures and treatments can be expensive, and without adequate health insurance coverage, the costs can be high in the moment. By checking the health insurance policy, you can avoid any surprises when it comes to required medical services. It is important to understand each coverage and the associated costs, such as the amount of the deductible and restrictive conditions such as the qualifying period.

Cost-benefit
Today there are many different health insurance plans on the market. It is important to review your health insurance policy periodically to ensure you have the best plan for your needs and the cost you are paying. By comparing different insurance plans, you can save money on monthly premiums, deductibles and more.

Stay tuned
Health insurance policies can be complex and difficult to understand. A periodic review of the policy on its components can help you stay informed of any changes or updates to the policy. This can help you make informed decisions about your health care and ensure that you have private health insurance that provides you with the necessary services for your needs.

In conclusion, purchasing private health insurance is essential for people who want to create for themselves and their families as wide and comprehensive insurance coverage as possible, beyond the state health insurance.

Periodically reviewing your health insurance policy is essential to ensure that you have a policy that includes adequate coverage for you and your family’s health needs. A periodic check of the policy can help you avoid surprises, save money and stay updated on any policy changes.

Don’t wait for an insurance case to find out what your private insurance includes. Check your insurance policy now to make sure it meets your needs in the best way.

Examining private health insurance can be challenging, as an insurance policy includes many complex clauses that are not always easy to understand. For this reason, it is important to use an insurance specialist who will conduct a double insurance check and thoroughly examine your existing insurance policy and its suitability to your needs and allow you to enjoy the best and high-quality private health insurance, without unnecessary expenses and with a lot of peace of mind.