We now offer an option of long term insurance with coverage for ma maternity and birth.
Thi is a comprehensive policy with very wide range of coverage.
Appendix of Limits of Liability which constitutes an integral part
of the Terms and Exclusions of the Policy
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Details of Coverage
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Ceiling of Coverage
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Probation/Waiting Period
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Deductible/
Customary Payment
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Medical Services Obtained from Approved Service Providers/By Choice
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Medical Expenses
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According to the National Health Insurance Law
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1. General/public hospital expenses in Israel
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2. Non-hospital medical expenses, including:
• Family doctor, specialist
• Laboratory tests, imaging, bandaging, ECG
• Medicine
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-------
-------
-------
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$5
$3 per dosage
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Approved service provider
Approved service provider
Approved service provider
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3. Transfer of mortal remains to country of origin
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$5000
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-------
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-------
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Through Insurer
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4. Emergency dental treatment
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Emergency expenses only
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-------
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-------
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Approved service provided
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Expanded Coverage of Surgery - Private Hospitals
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90 days probation
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1. Surgeon’s fee in private hospital
• Approved surgeon
• Other surgeon
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Full coverage
Up to ceiling ofamount set for approved surgeon
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-------
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Approved surgeon
By choice
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2. Pre-surgery consultation
• Approved surgeon
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Full coverage
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Approved surgeon
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3. Hospital expenses in private hospital
• Operating room expenses
• Pathology test expenses
• Wages of nurse during surgery
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2-3 bed room, up to 30 days
Full coverage
Full coverage
Full coverage
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4. Caesarean section
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365 days probation
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Approved surgeon
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Pregnancy and Childbirth
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Up to $15,000 in Insurance Period
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6 months waiting period
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1. Pregnancy
• Hospitalization expenses in public hospital in Israel
• Non-hospital expenses:
Doctor’s visit
• Special laboratory tests, ultrasound, expenses due to special risk during pregnancy
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Included in limit of liability of Chapter 5
Included in limit of liability of Chapter 5
Included in limit of liability of Chapter 5
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$5
-------
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Approved service provided
Approved service provided
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2. Childbirth
• Expense due to regular/Caesarian birth
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Regular birth up to 3 days hospitalization
Complication during childbirth - up to 7 days hospitalization
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General / public hospital in israel
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Summary of Exclusions: The Policy does not cover any event related to or derived from one or more of the following cases: A medical condition that exists prior to the beginning of the Insurance Period. Aesthetic treatment and/or surgery. Pregnancy and childbirth, except as set in Chapter 5; in any case expenses related to treatment of a newborn/premature newborn, fertility or infertility treatments shall not be covered. Work accidents. Road accidents.
The Probation Period Means - Any event that occurs during the Probation Period shall be considered as an Insurance Event that occurred prior to the Insurance Period.
The full and binding terms are the terms that appear in the Insurance Policy.
Cost:
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Premium per Day* per Insured
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Age
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Male
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Female
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up to 17 yrs
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$1.53
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$1.53
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18-44 yrs
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$1.76
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$2.60
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45-49 yrs
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$2.06
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$2.06
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50-54 yrs
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$2.83
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$2.83
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55-59 yrs
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$3.26
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$3.26
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60-64 yrs
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$4.96
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$4.96
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* Please note there is a 180 day minimum insurance period.