Private insurance: forewarned is forearmed!

Everyone knows this famous adage, but how many of us actually follow it?

People working in tax offices, social services or the medical field know just how important it is to take precautions. Every day they witness situations where people's lives are turned upside down after an accident, a death or an illness.

The financial consequences of unexpected events

In most households, making ends meet is already difficult. For those who find themselves in a dramatic situation, the financial hardship becomes almost insurmountable. How can a family cope when, from one day to the next, the breadwinner can no longer work because of an accident? Without private health insurance, how can they access the best surgeons or treatments? How can a family continue to function normally when illness strikes?

The means to protect oneself

Talking about these tragedies is difficult but necessary. It is possible to cushion the blows by setting up a safety net called insurance.

In the event of an accident, for example, the "Personal Accident" insurance policy pays out substantial compensation for fractures, burns, injuries or death.

The "Medical Incapacity

to Work" insurance takes over in the event of incapacity to work. The insurance company pays the monthly salary for employees or an amount equivalent to the monthly income for the self-employed.

This insurance is indispensable when you have dependent children. It prevents you from slipping into poverty in the event of a temporary or long-term physical inability to work.

The importance of private health insurance

Private health insurance becomes a vital necessity in these situations. It enables you to consult the best specialists without delay and to undergo medical examinations quickly. For example, without private health insurance, you have to wait on average one month for a scan, an MRI or a colonoscopy through the Kupat Holim. In the private sector, there is no waiting.

The images are analysed in greater depth by specialists consulted privately, which improves diagnostic accuracy. Private health insurance gives access to the most effective treatments, particularly for cancer, and to cutting-edge surgical procedures such as those performed with the Da Vinci robot.

To benefit from private health insurance, you must complete a health questionnaire. The insurance company's doctors study it carefully before issuing the policy, sometimes with exclusions for certain pathologies.

These precautions are explained by the cost of private procedures, performed by the best surgeons in prestigious establishments such as the private wing of Hadassah, the Herzliya Medical Center or the Assuta private hospital in Tel Aviv.

Serious illness and life insurance

The "Serious Illness" insurance helps avoid financial catastrophe if a serious illness or a stroke occurs. It pays a lump sum to cover expenses and allows time for social assistance to be put in place.

Finally, life insurance, well known to all, allows a sum to be paid to the deceased's loved ones, providing them with valuable financial security during a period of bereavement.

None of us wants to need such benefits, but life's unexpected events oblige us to be prepared in order to protect those we love.

For any further information, please contact me directly at 054 307 0916 or by filling in the form below.

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