Understanding the 3 Levels of Insurance Coverage

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by Shimon Cohen - Level A National Health ServicesProvided by four Kupot Cholim: Clalit, Meuhedet, Maccabi and Leumit. Most of the health services in Israel are included under this coverage. Level BAdditional Health ServicesA package of additional services that are offered by the various Kupot Cholim Basic Upgrade Package(Clalit, Mushlam, Meuhedet, Adif, Maccabi Zahav, and Leumit Silver):This includes private surgery with surgeons contracted to the Kupa, discounts with contracted dentists, limited additional medications, medical devices, child development therapies, anti-aging consultations with contracted specialists. Premium Upgrade Package(Clalit Platinum, Meuhedet C, Maccabi Sheli and Leumit Gold):This includes life-style coverage (personal trainer, dietitian, cosmetic surgery, etc.), more extensive child development therapies, pregnancy package, partial coverage for surgery abroad. Level CPrivate Supplementary InsuranceCoverage for medical conditions not covered by Levels A and B. 1-Medications not covered by Kupat CholimUsually for rare and very expensive life-saving medications. 2-Organ Transplants abroad (full coverage)Due to lack of organ donors in Israel, there is usually a long waiting period. This policy gives the option of transplants abroad, thereby greatly increasing one’s options. 3-Surgery abroadWhereas some of the Level B options do offer partial coverage for this, the private policy covers surgery abroad in full with no need for authorization by the Kupa. Other Optional Coverages 1-Private surgery in Israel with an extensive list of contracted surgeons. 2-Private Ambulatory Services - consultations, diagnostic tests, physiotherapy and more. 3-Advanced Treatments - advanced treatments for cancer, oxygen therapy, medical devices (mobility devices, hearing aid, etc.), pain treatments and injections. 4-Critical diseases - one-time payment in case of diagnosis of a critical disease (example - cancer). We recommend this for children. Download our Friend