Health & Life
Medical and financial security for you and those who depend on you. Together we'll build a layer of protection that fits your family, age and budget — without needless duplication.
What this world includes
Private Health
Surgeries, out-of-basket medications, consultations and transplants — beyond what the HMO covers.
Long-Term Care
Financial support when someone needs ongoing daily assistance.
Critical Illness
A one-time sum upon diagnosis — liquid money for the hard period.
Life Insurance (Term)
Financial protection for the family — especially with a mortgage or children.
Disability
Monthly income if illness or accident prevents you from working.
Who is it for
- Young parents — life and children's health coverage costs less at a young age
- Primary earners — disability coverage protects the paycheck
- The self-employed — with no group insurance through a workplace
- Anyone who wants to know what they already have via HMO, work and pension
What the coverage usually includes
- Surgeries and surgery alternatives in Israel and abroad
- Medications outside the health basket
- Specialist consultations
- Monthly benefit for long-term care or disability
- An insured sum in case of death — for the family
What to watch out for, and what to check
- Duplicate coverage — many families are insured twice via HMO, work and a private policy
- The health declaration — fill it accurately; inaccuracy can hurt a future claim
- Waiting periods — when coverage actually takes effect
- Old policies — check before canceling; you can't always return to old terms
- Pension — some coverage already exists through your pension fund
FAQ
The HMO and supplemental plans cover a lot, but not everything — e.g. out-of-basket medications or a fast private surgery. Private insurance is built as a complementary layer, not a replacement. A proper review makes sure you don't pay twice.
They're different: critical illness pays a one-time sum at diagnosis; disability pays ongoing monthly income. For earners, disability is usually the foundation — the mix depends on budget and situation.
Rule of thumb: enough to cover the mortgage and give the family a cushion of several years' income. The right amount is very personal — exactly what we go over in a conversation.
Handle it proactively rather than waiting for a claim. You can approach the insurer and update it. We accompany such processes with full discretion.
Want certainty in your health & life coverage?
We'll start by reviewing what you already have — no commitment.