The Kupat Cholim is permitted to offer supplemental health service plans (‘Shaban’- Sherutei Briut Nosafim) that offer additional medical services beyond those included in the Health Basket. These plans are optional and require additional payment to the Kupat Cholim beyond the basic health insurance contributions that all residents pay to Bituach Leumi.
A health fund is forbidden to make the provision of services included in the basket of services conditional on enrollment or membership in its supplementary health services plan.
There are differences in the supplementary plans offered by the different health funds. Each fund is free to choose which services it will offer its members under its supplementary plan, providing that these services are not included in the basic “basket of services.”
The health fund may set a reasonable “qualification period” (waiting period), i.e. a certain period between the date when the member joined the supplementary plan and the date when he will be entitled to rights under the plan. (There are funds that exempt a person switching from another fund in which he was insured under a supplementary plan from all or a part of the waiting period).
The supplemental plans can be compared to private insurance policies that also cover additional medical services beyond those included in the Health Basket, but with some important differences, including:
In addition, a health fund may introduce changes in its supplementary plan (e.g. payments, addition or removal of medical services, etc.) only after it received the approval of the Ministry of Health. Private insurance policies, on the other hand, are regulated by the Finance Ministry.
[...] policies can be examined independently via registered insurance agents, as well as compared to the supplemental plans offered by your Kupat [...]
[...] policy is not like the other supplemental insurance plans offered by the Kupah in the following [...]
I would like supplemental insurance with maccabee so that I have a better chance of getting a specialist rather than an intern if I needed intensive treatment or an operation. I arrived in Israel approximately 3 years ago from Toronto, Canada.
How do I proceed to do that?