Private health insurance: an indispensable trump card!

Life expectancy and health in Israel Life expectancy in Israel is one of the highest in the world, ranking 9th globally. It reaches over 82 years for men and nearly 85 years for Jewish women. For comparison, France ranks 14th. However, the state of health of elderly people varies.

Health of residents up to age 72 In Israel, up to the age of 72, residents are relatively healthy, placing the country at the top in this domain. The disparities between those who have private health insurance and those who do not are widening, due to the cost of medical expenses and the increase in life expectancy. This leads to increasingly long waiting times to get appointments with specialists through the Kupat Holim.

Waiting times for non-urgent operations

Waiting times for scheduled operations are often long. For example, in the public sector, one must wait at least three weeks for a colonoscopy, whereas in the private sector, it can be done in four or five days by one of the best gastroenterologists in the country.

Advantages of private health insurance

The reasons why Israelis take out private health insurance include the choice of specialists, reduced waiting times for surgical procedures, and coverage of medications not included in the Ministry of Health's "medicine basket." These treatments, notably innovative anti-cancer drugs, are often very expensive, between 19,000 and 90,000 shekels per session.

Importance of insurance according to Rav Avraham Elimelech Firer Rav Avraham Elimelech Firer of Bnei Brak, founder of the "Ezra lamarpé" association, emphasises the importance of taking out private health insurance. He stated that its cost can be deducted from the maasser due to its vital importance.

Components of private health insurance Private health insurance comprises two components:

• First component : Allows the patient to choose their surgeon, to be operated on in the best possible timeframe and institutions, and to access the best treatments and technologies.
• Second component : Allows one to consult the country's best specialists quickly, to obtain appointments for CT scans or MRIs quickly, and to access screening examinations not available through the Kupat Holim.

French speakers taking out insurance

French speakers in Israel often take out home insurance, but they are not always aware of the importance of private health insurance. Unlike long-established Israelis, they do not always make it their priority. However, insurance companies have seen the number of health policies double in the past four years.

Do not deprive your loved ones of health insurance that could prove vital when needed.

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