Read before reacting
The letter usually gives the conclusion, not the reasoning. What you need is the ground it rests on: the policy definition, mental frailty, a pre-existing condition, the insurance period, an exclusion, or simply a missing document.
Each of those leads somewhere different. A general request to "reconsider" almost always fails; a response that quotes the specific ground and attaches the document that answers it is examined seriously.
- The exact ground given, and which documents the decision relied on
- The deadline stated in the letter for any further approach
- Whether a functional assessment report exists, and what it recorded in each domain
- Whether a material document was never submitted, or never acknowledged
When it becomes a legal matter
If the refusal rests only on a functional assessment, that is factual work and it can be addressed within our service.
If it raises prescription, an allegation of non-disclosure or a pre-existing condition, or a dispute about how a policy clause should be read, that is a legal question. We will say so and point you to a lawyer rather than run a process that is not ours to run.
Frequently asked questions
How long do we have to respond?
The deadline is normally stated in the letter itself and varies by policy, insurer and procedure. Do not leave it — even a decision not to act should be a decision, not a missed date.
Is a denial final?
Usually not. There are often further routes — completing documents, requesting a review, an internal appeal or an external approach. Which one fits depends on the ground given.
Do we need a lawyer?
Not in every case. Completing documents and making a reasoned approach do not require representation. A genuine legal dispute or a court process does.
This page is an English translation of our Hebrew content, written for English speakers living in Israel. Official Israeli terms appear with their Hebrew names so you can recognise them on forms. In any discrepancy, the Hebrew version and the official documents prevail.