Lindenbaum - 2024 - CHAI 'Wellcome' Student Health Policy Sign Up

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Shalom and Welcome to Israel!

You have medical insurance under the CHAI STUDENT INSURANCE plan. This plan offers the best of both worlds – medical coverage through the Israel Kupat Cholim system, together with our specialized private care.

1) Coverage is through Kupat Cholim Maccabi, one of Israel’s leading national health insurance plans. After arrival, you will receive a Maccabi card, entitling you to obtain medical treatment at your local Maccabi clinic and at Maccabi clinics country wide. Click here for Maccabi website

2) Coverage is according to the Israel Health Basket of medical services.
This includes:

  • All doctor / specialist visits
  • Emergency / urgent hospitalization and ER (In most cases, a referral from Maccabi is required, otherwise you may have to submit full payment)
  • Prescription medication
  • Laboratory and x-ray services
  • Emergency ambulance coverage (coverage is only applicable if participant was hospitalized)
  • 24/7 call center.
  • Telemedicine services.

Please note:

  • There is a small deductible for medication and some medical services. This deductible is paid by the student. Details
  • There are certain medications and conditions which may require signing a waiver and that would exclude those things from the policy.
  • Exclusions: dental care, eyewear, pregnancy and birth, mental health conditions, work related accidents, motor accidents (covered by Israeli law) and extreme sport, drug / alcohol related accidents and illness.
  • Pre Existing: Students with pre-existing conditions will be charged an additional fee of $75. In such a case, some coverage for the pre-existing condition, including medication, will be provided by the insurance. In the event that Maccabi will not accept a student due to medical conditions, we will attempt to find another suitable insurance plan.
  • Covid 19: There is full coverage for Covid – 19 including vaccinations where necessary.
  • See attached for full policy conditions and exclusions.
  • The following plan applies to students up to and including age 22. Anyone over that age may have an additional cost per month. This also applies to anyone who turns 23 at any point of their Maccabi policy. Please contact Rochel@egertcohen.co.il
  • In the event that Maccabi requests medical documentation due to a medical condition, we will issue a temporary basic HAREL policy (no pre-existing coverage) for a period of 6 weeks only. Within that time, you will be required to send any documents that Maccabi has requested. If at the end of this period, you have not supplied the information OR Maccabi has finally denied coverage, you will have 2 options:
    a) A HAREL policy including coverage for a worsening of a pre-existing condition. This would include an increased premium called a “rider” and will be an additional charge.
    b) A Basic HAREL policy, excluding the pre-existing condition/additional premium.
  • Once a policy has been paid for, there is a $50 refund processing fee for any cancellations. Once the policy has been activated, there is a minimum of four months which is mandatory by Maccabi. Refunds are relative to the unused portion of the policy.

3) PEACE OF MIND: Our staff will work together with the Maccabi services. We will provide an English speaking back-up for any problems in making appointments or for serious medical conditions. This is through Egert and Cohen, experts in student and tourist health services in Israel. Click here for the E&C website
An important feature we offer is having an English-speaking nurse/PA visit the seminary/yeshiva twice weekly, as well as telemedicine services where necessary.
Our medical director, Dr. Lazar Fruchter, will coordinate with medical services, student and family in case of need.

4) You will need to submit a copy (picture) of your current passport's front page with this application - please be sure to have it on hand. If you are in the process of renewing your passport, you can still apply with your old passport BUT, you must email us a copy of the updated passport when you receive it.

5) If your health status changes in any way after you have filled out your application, please notify us IMMEDIATELY!!!

6) If you have any allergies, please state it in the last question on the application.

Pre Existing:
Students with pre-existing conditions will be charged an additional fee of $75. In such a case, some coverage for the pre-existing condition, including medication, will be provided by the insurance. In the event that Maccabi will not accept a student due to medical conditions, we will attempt to find another suitable insurance plan.
Deductibles:
No deductible for Family doctor, Womens’ doctor, Internal medicine
Specialists/Physio/ hospital outpatient-35nis every 3 months

ER/Emergency Care Centers-co-payment according to Maccabi rates.
There are occasions where the ER will ask for a credit card as security while they check with Maccabi. In most cases, it will NOT be charged and we will work to arrange an approval or refund if necessary - subject to policy conditions.
Prescription medication: 18nis for regular medications.
This deductible is paid by the student.

Medical Services

  1. The medical services that are provided through the program are services included in the Health Basket excluding the restrictions detailed in the following clause No. 5.3.
  2. The medical services will be provided only in the territories of the State of Israel and in accordance to the Program’s conditions.
  3. The following services are not included in the program:
    1. Hospitalization during the first three months of program membership, except for acute hospitalization (urgent).
    2. Treatment of prior diseases, including aggravation.
    3. Treatment of severe illnesses, chronic illnesses, as defined by the Ministry of Health, if they are revealed during the first 6 months of the membership of the program.
    4. Any treatment or examination that are related to birth, including birth expenses, treatment of a new born (including birth of a premature baby), hospitalization  for complications of pregnancy, birth, abortion, curettage etc.
    5. Fertility treatments.
    6. Treatment that is directly and/or indirectly connected and/or caused by a traffic accident in the country or abroad.
    7. Treatment that is directly and/or indirectly connected and/or caused by a working accident.
    8. Treatments and hospitalizations that are related to issues of impotency and sexual dysfunction.
    9. Treatment related to mental health conditions, intentional self-injury or attempted suicide.
    10. Treatment of injury caused while diving with air tanks, skydiving, sky or any other extreme sport. Treatment of injuries caused by compressed air diving, parachuting, hunting, skiing and all other kinds of challenge sports.
    11. Treatment for an injury caused in acts of hostility, acts of war, hostile action, explosive action, criminal action.
    12. Treatment of diseases resulting from the consumption of drugs or alcohol.

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