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Health Insurance: Which Coverage to Choose First?
Family Health Insurance solutions may include a broad range of coverages for medical expenses and other needs. Most families start with one or two main types of coverage and add more over time as they can afford them. So, where should you start?
In Israel, every citizen is entitled to high-quality medical coverage from birth, under the National Health Insurance Law. This public system guarantees lifelong access to care for everyday medical needs, as well as surgeries, transplants, and complex treatments that are now standard in modern medicine. Through the health funds (HMOs), many Israelis also benefit from supplementary health services.
Yet, it is widely understood that no public system can address every possible medical need. This is precisely why private health insurance exists: To provide comprehensive coverage for needs that extend from the public framework.
Today, as medical science advances, finding new ways to treat more illnesses and conditions, Private Health Insurance is becoming increasingly critical. More families want to make sure they have access to life-saving funds when needed.
The Full Advantages of Private Health Insurance
- Coverage for medical solutions not included in the National Health Basket
- Access to innovative treatments and advanced tests
- Shorter waiting times for treatments, tests, and surgeries
- Freedom to choose your treating physician or surgeon
So, Where Do You Begin?
Private Health Insurance – All Coverages. All Options
To choose where to start, it helps to understand how Private Health Insurance works and how flexible it can be.
Private Health Insurance is flexible and can include a range of coverage options, depending on your needs. You can start with any coverage you prefer.
- Coverage for surgeries and surgery-replacing procedures in Israel
- Surgeries and surgery-replacing procedures abroad
- Transplantations and special procedures abroad
- Medications outside the National Health Basket
- Genetic testing and personalized medicine
- Advanced diagnostic tests and rapid medical evaluation (ambulatory care)
- Complementary and alternative medicine
- Insurance for the diagnosis of critical illnesses
- Insurance for the diagnosis of cancer
Ideally, the goal is – To get full coverage for all risks. However, not everyone can do everything at once, and in many cases, it makes sense to choose a starting point and build your coverage step by step.
So, where should you start?
The individual answer depends on each family’s unique situation, health needs, and budget. Every family has its own best solution. That’s why it would be s a good idea to talk with your family insurance agent and find out which coverage fits your needs best.
Generally, most experts agree that the best place to start is with coverage for medications not included in the National Health Basket. That is: If you can begin with only one coverage, it is often considered the most urgent.
If you can start with more than one type of coverage, the recommended package usually includes: Coverage for medications outside the Health Basket (naturally), Coverage for surgeries and transplants (in Israel or abroad), and Coverage for the diagnosis of critical illnesses This combination gives you both Expense Reimbursement for significant medical costs and financial compensation you can use for any purpose, even non-medical ones.
Meet with your family insurance agent to create a health insurance plan tailored to your needs and budget.
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This article does not constitute advice and is not a substitute for professional, personalized consultation that considers the specific circumstances and needs of each individual.
