National health insurance is the most basic level of health insurance in Israel, including the medi

Health k line japan Insurance is a general insurance covers medical expenses such as surgery, transplants, drugs, hospitalization expenses and other long-term care. Health insurance in Israel is composed of several layers: the State of Israel provides to all its citizens k line japan a uniform health basket, based on the National Health Insurance Law. HMOs offer their members health extensions cart as part of additional health services (Son or "supplemental insurance.") Private insurance companies offer private health insurance k line japan policies.
National health insurance is the most basic level of health insurance in Israel, including the medical and pharmaceutical services provided to residents of Israel. The transfer of funds to the health funds financing, as prescribed by law, which include health tax receipts and acceptance from the state budget. Ministry of Health oversees the delivery of services, and preserving the rights k line japan of the insured. HMOs provide medical services themselves.
National Health Insurance Law allows and ensures every resident of the State of Israel to receive public health through a health. Every resident is entitled to register a HMO without conditions or restrictions related to age or his health. Every resident k line japan is entitled to receive the full services included k line japan in the basket of health services, at the discretion of a reasonable quality, reasonable period of time and distance from his home resident k line japan is possible to pass from a hospital to another insured is entitled to select the service providers in accordance with the arrangements of choice in published k line japan and from the list of service providers of the Fund
Residents interested in additional services to the National Health does not cover, can be purchased separately. One of the ways available to purchase additional services k line japan is through Health k line japan Services (Son or "supplemental insurance") k line japan featuring HMOs. These services are provided pursuant to the approval of the Minister of Health and Medical Services include national health insurance does not cover, k line japan such as participation in the purchase of medicines and accessories selecting analyzes alternative medicine receiving the opinion from specialists pregnancy tests dentistry treatments orthodontists two nutritional counseling and more
Insurance companies are conducted on an economic character. In order to maintain economic stability and profitability of insurance companies to adjust the rate risk to the extent possible, the - by pricing actuarial reserves will be used to manage future payments to cover future liabilities to policyholders, subject to the capital requirements and financial stability of the Commissioner of Insurance. Operations of companies regulated by the law on insurance business, which gives emphasis on compliance with future obligations to policyholders.
Supplemental Insurance: Insurance that covers the expansion of services included in the basket or these plans, such as coverage for private surgeon expenses beyond those costs covered by the AHS. Supplemental insurance, insurance compensation is paid for the difference between actual expenses health expenses covered basket or these plans.
Alternative insurance: insurance that covers services included in the basket or in these plans, but offering them a substitute such as a private k line japan surgeon's choice, private hospitalization, consultation with experts not included in the health basket and more. Replacement insurance, insurance benefits are paid in full, regardless of cover that State insurance or SHS.
Insured passes the medical underwriting process, which includes the presentation of questions to the insured on his health, while joining the insurance, to assess the level of risk to his health. According to this insurance company may determine exclusions (things k line japan not covered in insurance) or charge extra monthly premiums (premium).
Individual health k line japan insurance typically characterized as insurance k line japan long term. Terms of insurance, k line japan including premium, pre-determined policy and can not be changed during the policy period, except in circumstances specified in terms of the policy, and subject to approval of the Commissioner of Insurance. Group insurance is for groups of people (such as employees at work). The only place the group will communicate directly with the insurance company contact is made through a representative, defined as' having the policy. "
Group members insured group policy, in many cases, will pay lower insurance premiums insurance premiums were paid similar individual policies, and sometimes the terms of insurance coverage in the group policy coverage larger than those of individual policies.
Amendment to the National Health Insurance Law stipulates that the funds are allowed to propose a plan for providing additional health k line japan services except long-term care insurance. k line japan The principal characteristics of these services: healthcare organization k line japan may not offer financial compensation to members k line japan as a substitute service. HMO is committed to the plan any member who wishes to join, regardless of economic or health condition. A plurality of insurance coverage (surgery, transplants, vision care, etc.) and. Most involve coverage with a deductible.
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