Insurances
Our Complementary Insurance Policies
Healthcare providers in Israel provide two levels of health coverage: the Basic Level and the Additional Level, which is the complementary insurance. We call it AHS. Here is what you need to know about each of them.
The basic level - the healthcare services basket
all residents of Israel are entitled to a basic basket of services as defined in the National Health Insurance Law. The basket is a uniform and universal ensemble of healthcare services which are guaranteed by law, and include: medical diagnosis and treatment at institutes, healthcare providers and hospitals, treatments and diagnoses in laboratories and outpatient clinics, professional medical consultation, diagnosis and treatment, hospitalization, medicines - according to the detailed list updated every year, various kinds of medical equipment and accessories.
These services are provided through the healthcare providers. Some of them are financed by the State Budget, and some - by the National Health Insurance fees collected by the National Insurance Institute, without any additional out-of-pocket payment by the insured.
The Additional Layer - Additional Health Services (AHS): complementary insurances
Alongside the basic basket, the healthcare providers offer Additional Health Services (AHS) which are not provided as part of the basic basket, which anyone can choose to purchase: this is exactly what is known to you as “complementary insurance”. Joining these services is voluntary: if you decide to join one of the healthcare provider’s AHS plans, you have to belong to that particular healthcare provider - and pay the healthcare provider an additional fee beyond the health tax you pay.
The AHS plans encompass dozens of different areas, offered for purchase as a single package. Among the services: the option of choosing a surgeon, participation in the cost of medications and accessories, funding medical treatments abroad, complementary medicine, receiving the medical opinion of specialist doctors, dental medicine, a pregnancy and childbirth basket and more. The monthly fee is determined by the healthcare providers. The health care providers are obligated to accept any insured persons interested in joining the program, regardless of their age and health status. The services included in the AHS are liable to change from time to time, subject to the approval of the Ministry of Health and subject to provision of prior notice to the insured persons.
Our Complementary Insurance Policies
Meuhedet offers two complementary insurance plans, which differ from each other in the services they include: Meuhedet Adif and Meuhedet C.
Meuhedet Adif is our basic complementary insurance plan, offering insured persons a variety of services beyond those they are entitled to by virtue of the national healthcare basket. Surgery in Israel, consultations with specialists (second opinion), discounts for medicines that are not included in the medicine basket, discounts on complementary medicine, free dental emergency and first aid treatment, additional treatments in the area of child development and more. This is the only AHS in Israel offered at a great family rate: For just NIS 122, the entire family is covered (or NIS 129.5 if the head of the family is over the age of 55).
Meuhedet C is the premium plan Meuhedet offers to its clients. It offers more extensive coverage both in terms of the scope of the discounts and in terms of the variety of services. Meuhedet C offers the client eligibilities such as surgeries abroad, house calls by doctor and laboratory services at home, eyeglasses for children with a copayment of only NIS 70, psychological therapy, advanced diagnosis of ADHD, a variety of aesthetic treatments such as plastic surgery at discounted prices, anti-aging treatments, laser treatment for varicose veins and hair removal.
The upgraded C insurance, which will be launched in July offers two real diamonds, which merit careful examination: the childbirth and pregnancy plan, which has no competition and also includes a pregnancy and childbirth check worth NIS 8,000 (75% reimbursement of actual expenses), is tailor fit and particularly worthwhile – as well as additional services at excellent prices (such as NIPT, cord blood preservation and more), and a dental plan that includes preservative dental treatment for an 80% discount, orthodontic treatment for a 50% discount and free annual preventative medical treatments.