Knowing How to Choose Health Insurance
When we talk about health insurance, we mean private health insurance in effect, beyond that provided by the state in accordance with the National Health Insurance Law, and beyond the complementary health insurance offered by HMOs, when, in each case has to address the long-term care insurance element of health insurance. Why do private health insurance? National health insurance gives state residents basic basket of health services by HMOs, as well as basic nursing care insurance through the National Insurance Institute.
What is not included in the national health insurance?
drugs not included in the basket pharmaceutical
consultation and medical treatment of physicians, hospitals and institutes are not included in the arrangement of the fund insured hospital records
and medical treatment abroad when you can get treatment in Israel, when treatment is not included in the list of approved treatments or when the law was not approved fund the hospital for treatment abroad
for additional expenses associated with medical treatment abroad
, choose a surgeon
Miscellaneous expenses Other (eg health basket includes basic pregnancy tests alone, when, supplementary insurance policies offer additional reimbursement for costs tests but not full coverage of costs)
what is not included in insurance nursing state?
nursing care before the age of retirement
nursing care institution
nursing care for those receiving disability or an allowance for personal care and / or surveillance
in assessing entitlement to a pension depends on the state nurse nursing services is determined by rates of income tests, the degree of dependence on the help of others to function day – daily, and the need for safety and insured under the care of those around him – actually, it is usually very limited domestic assistance, non- appropriate to the real needs of the insured.
There is a qualification period of 12 months – in other words, the first year after the application is not insurance coverage.
add supplemental health insurance to some extent insurance coverage, however, the State Health Insurance:
There is no uniformity in insurance coverage of supplemental health insurance various HMOs
Hospital fund may unilaterally change the terms of the complementary health care
insurance coverage involves certain limitations, including the, age limitations, participation restrictions on the percentage of medical care costs, limits the overall amount of the cost of treatment and more.
In most cases, the insured must pay the deductible cost of treatments
from all causes above, It is recommended to purchase private health insurance policy. Private health insurance policy is a contract for everything, is governed by contract law, that is, insurance coverage insurance is known according to the terms agreed upon between the insured from the insurance company when you purchase the policy.
It is important to know:
There are different health insurance policies offer different coverage. You can choose between a basic health insurance, expanded health insurance policy, and in any case to examine in detail the terms offered by the insurance company
offer different insurance policies of various insurance benefits – medical treatment or compensation and indemnification by the Company.
Please check the qualification period in the insurance policy – a qualification period is the initial period following the purchase of health insurance policy which does not exist yet despite the insurance coverage the insured pays the insurance premiums already. Various health insurance qualification periods define various different medical cases, for example, that the policy will cover the period of a particular qualification in the health drugs that are not, different qualification period for medical treatment abroad, etc..
different extensions can be purchased health insurance – for example, the total Exemption Extension insurance premium payments in the event of disability, insurance and overseas transplant
acceptance conditional upon the delivery of health care and accurate information on the health of the insured, that insurance company approval. Not providing accurate information when purchasing the policy could deny insurance coverage in the future
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