CLAL. All over the world health insurance is CLAL. International Health insurance for expatriates

Transcription

1 CLAL All over the world health insurance is CLAL International Health insurance for expatriates

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3 The decision to live abroad is certainly not easy. One of the major decisions in any relocation is the subject of health and the best way to insure your family's health while living abroad. It is of utmost importance to you and your family to have someone you can trust, someone who understands you and speaks your language. The CLAL GLOBAL policy insures you with comprehensive medical coverage and gives you the complete service you need. Telephone: On the web: 1

4 CLAL HEALTH CLAL HEALTH is a leading insurance provider in Israel specializing in health insurance We are the leader in Israel in the field of travel and international health insurance and insures over 20 million travel days annually. The accumulated experience in taking care of millions of policyholders over the years enables us to provide professional service abroad and to manage medical services of the most complex nature, wherever and whenever needed. Thousands of members residing abroad for purposes of work or study know that they have someone to count on. ABOUT CLAL GLOBAL CLAL GLOBAL policy provides comprehensive coverage for you and your family according to your country of destination : from family doctor visits to specialists, prescriptions, lab tests, diagnoses, pregnancy treatment, delivery and hospitalization in medical facilities CLAL GLOBAL is at your service and meets all your medical requirements. CLAL GLOBAL has service agreements with the leading network of health providers in the world and has an international customer service center at your disposal. This enables you to receive high quality professional service, any time, all over the globe. 2

5 CLAL GLOBAL POLICY PRESENTS THREE OPTIONS TO MEET YOUR OWN PERSONAL REQUIREMENTS: USA Gold USA CLAL GLOBAL GOLD is suitable for those who relocate to the United States and desire comprehensive coverage with a low deductible. USA Silver USA CLAL GLOBAL SILVER is suitable for those who relocate to the United States and desire comprehensive coverage with the lowest possible policy cost. International INTERNATIONAL CLAL GLOBAL is suitable for those whose destination is anywhere other than the United States and desire comprehensive insurance coverage at a low deductible. 3 telephone:

6 world wide INTERNATIONAL SERVICE CALL CENTER is active 365 days a year, 7 days a week and 24 hours a day, provides service in English, Hebrew and other languages. ADVANCED INTERNET SITE - enables you to receive customer service, to find and choose a medical service provider from the network, to receive information required about your policy, and more. VIRTUAL CLINIC- UNIQUE SERVICE doctors, who speak several languages, are at your service, at any time that is convenient for you, with no need for you to leave your home. You can have an on-line chat with a doctor, receive explanations about medication and treatments, get a second opinion and even a personal doctor for chronic diseases or other complex cases, and more. A WIDE NETWORK OF SERVICE PROVIDERS IN THE USA CLAL GLOBAL provides a wide network of medical service providers in the USA through AETNA who is among the most prestigious in the USA. All you have to do is present your policyholder's card to enjoy CASH-LESS SERVICE (except for the deductible). A WIDE NETWORK OF SERVICE PROVIDERS OUTSIDE OF THE USA CLAL GLOBAL provides a wide international network of medical service providers of the highest ranking in the world. The network includes thousands of medical service providers and assists you in finding doctors, clinics, hospitals, all at the highest standards and close to where you live. The international network enables members to enjoy CASH-LESS SERVICE (except for the deductible). 4

7 EXTENDED MEDICAL COVERAGE IN-PATIENT CARE - CLAL GLOBAL provides comprehensive hospitalization, operations, transplants, oncology and emergency treatments. In certain cases, the policy covers transportation costs of a first-degree family member from your home country to your treatment destination, so that you will not have to be alone. PERSCRIPTION DRUGS - CLAL GLOBAL'S policy includes a wide coverage for the purchase of prescription medicines. PREGNANCY, DELIVERY AND NEWBORN CARE - CLAL GLOBAL covers you through your pregnancy, delivery and afterwards, taking care of the newborn and standard medical checkups, according to the period of qualification specified in the policy. OUT-PATIENT CARE - Routinely, there is need for medical services. Where to go for required lab tests and diagnostic tests? Who to consult with about children's diseases? CLAL GLOBAL offers you available medical services on a convenient daily basis given by the best doctors in the best facilities in the world. TEMPORARY EXIT OF THE DESTINATION COUNTRY - CLAL GLOBAL will provide emergency medical service during your visit outside of your destination country for up to 90 days per annum. 5

8 CLAL GLOBAL TABLE OF BENEFITS Type of covers Maximum Lifetime limit Accumulative lifetime maximum limit In patient services: International USA Gold/ USA Silver $6,080,000/ 3,800,000 $5,000,000 Hospitalization Full cover, up to Full cover, up to Surgery Full cover, up to Full cover, up to Transplants $608,000/ 380,000 lifetime Medical expenses for a live donor and/or travel and accommodation expenses for a donor Chemotherapy and Full cover, up to radiation treatments Emergency room visit without hospitalization Accidental dental treatment Home nursing care $64,000/ 40,000 lifetime of the policy $500,000 lifetime $6,400/ 4,000 per case $5,000 per case Full cover, up to 2 visits per year 2 visits per year $3,200/ 2,000, per case $2,500, per case $50,000 lifetime 6

9 Medical evacuation, transportation and mortal remains: Ambulance transportation Medical Emergency evacuation $3,200/ 2,000, per case $2,500, per case $256,000/ 160,000, per case $200,000, per case Mortal Remains $25,600/ 16,000, per case $20,000, per case Drugs: Prescription drugs Full cover, up to Full cover, up to Out-patient services: Physician and specialist office visits Full cover, up to Full cover, up to Lab and imaging tests Full cover, up to Full cover, up to Adult wellness and health check $640/ 400, per year $500, per year Physiotherapy treatment/chiropractic $64/ 40, up to 12 visits per year $50, up to 12 visits per year vaccinations Full cover, up to Full cover, up to Mental Psychiatric treatment: Mental Psychiatric treatment* $12,800/ 8,000, per year $10,000, per year $24,000/ 15,000, lifetime of the policy $20,000, lifetime 7 telephone:

10 Maternity, delivery and newborn care: Maternity and normal delivery* Complications of pregnancy and delivery* Others: Prosthetic Devices $40,000/ 25,000, lifetime of the policy $6,400/ 4,000, lifetime of the policy $30,000, lifetime $100,000, lifetime of the policy $5,000, lifetime Hemodialysis Full cover, up to Full cover, up to Family reunion $1,200/ 750, lifetime of the policy $1,000, lifetime *According to qualification period of 12 months 8

11 WHAT IS NOT COVERED BY THE POLICY As in every insurance policy it is important to be aware of the exclusions from the coverage. Some exclusions, for instance, are risks compulsorily insured under other policies in the country of destination, or risks intentionally taken by the policyholder. The entire list of exclusions may be found in the website: FOR OTHER DETAILS: On the web: Toll free telephone in Israel: Telephone: # All of the above information is true as of May, # All information above is subject to the conditions of the policy, its appendices, restrictions and exceptions. # The policy may be viewed in the website: 9

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