What the check covers
Three things, in this order: what cover exists, what that cover requires, and how the current situation compares to it.
The first is often the surprise. Families arrive certain they have one policy through their health fund and discover a private one bought decades ago — sometimes on more generous terms.
- Which policies exist, private and through the health fund
- The definition each one uses, and how many daily activities it requires
- Whether the cognitive route (mental frailty) applies
- Waiting period, qualification period and duration of payment
- Whether the benefit is a fixed sum or an indemnity against receipts
- What documentation already exists and what is missing
Why the timing matters
Filing too early, while a condition is still improving after a hospital stay, often produces a refusal that makes the next attempt harder.
Filing years late makes it difficult to establish when the condition began — and that date affects the period a benefit may be examined for, as well as the question of prescription.
Part of what this check produces is a view on whether now is the right moment.
Frequently asked questions
What does the first conversation cost?
Nothing. It exists to understand the situation and tell you whether there is anything to check. If we think there is no basis, or that you can handle it yourselves, we say so.
Do we need to gather documents first?
No. Bring what you know. Part of the check is working out which documents actually matter, so you do not spend time collecting things that will not be used.
Does an approval from National Insurance mean the insurer will approve too?
No. They are separate tracks assessed under different rules. The National Insurance decision is a useful supporting document but it does not bind an insurer.
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.