An ordered guide to a long-term care claim at Migdal, from preparing the form and documents through checking status and understanding the decision.
The cover comes before the form
Migdal allows a claim to be filed and tracked online, but before starting it is important to identify the precise policy and the period of cover. The terms of an older product may differ from those shown on a general information page.
What to prepare for filing
Organise a folder in order: policy, form, medical records, functional description and correspondence. Consistency between the parts matters more than the quantity of documents.
- A form matching the type of cover
- Information about mobility, washing, dressing, eating, transfers and continence
- Information about a need for supervision where there is cognitive decline
- Accompanying confirmations as set out in the official instructions
Tracking in the personal area
After filing, keep the claim number and check that all the files have been received. If a request to complete documents arrives, mark what is new and what has already been supplied, and reply within the deadline set.
Keeping a record of calls is useful, but written decisions and instructions are the basis for following up.
Older Migdal policies: why it is worth looking
Migdal is one of the longer-established companies in the market, and more than a few families discover a long-term care policy bought twenty years ago or more. Policies from earlier periods may carry terms materially different from current products — sometimes in the definition, sometimes in the duration of payment and sometimes in the waiting period.
So it is worth searching. Old documents in a cupboard, standing orders on bank statements, or a check on Har HaBituach can uncover cover the family had no idea about. Where more than one cover exists, examine each separately rather than assuming one cancels out the other.
When the outcome does not match function at home
Examine the assessment report, the grounds given and the documents considered. Do not rush to send a general appeal; an effective approach addresses the precise points in dispute.
Frequently asked questions
How do you file a long-term care claim with Migdal?
Migdal allows a claim to be filed and tracked online. Before filing, identify the policy and the period of cover, download the form matching the type of cover, and attach medical records and a functional description.
How do you track a Migdal long-term care claim?
After filing, keep the claim number and check in the personal area that all the files have been received. If a request to complete documents arrives, compare it against what has already been sent and reply within the deadline.
What if the Migdal policy is very old?
Older policies may carry terms different from current products, and sometimes more favourable ones. It is important to obtain the original policy wording rather than relying on general information from a marketing page.
Which documents should we prepare for a Migdal claim?
A form matching the type of cover, current medical records, information about mobility, washing, dressing, eating, transfers and continence, documentation of a need for supervision where relevant, and accompanying confirmations as instructed.
What do we check when a Migdal claim is refused?
The assessment report, the grounds for the decision and the list of documents considered. An effective approach addresses the precise point in dispute rather than repeating the whole claim.
Official sources for further checking
This is general information and does not replace personal medical, legal or insurance advice. Eligibility is determined by the documents and rules that apply to each case.
