Q&A

You are covered with basic insurance via your HMO by the Israeli law.
This basket of services is the same for all, however, it is very much exposed to severe budgetary constraints which in many cases leaves behind the pace of technological developments and lack to provide modern medicines and advanced medical services.
In order to enrich the basket of services, all HMO's offer supplementary insurance (SHABN – additional health services) that provide solutions for daily medical needs, consultations with doctors and discounts on the purchase of special accessories.
Additionally, "Shaban" provides limited response to complex medical needs such as transplants and surgeries.
Trax insurance plan was built specifically for the employees and their families and is based on the fact that most of the employees are insured with "Shaban" plan through one of the local HMO's.
The insurance plan was built to meet these needs and to prevent double insurance by having low & special premium rate.
Therefore, we do not recommend canceling HMO's plan.

If you have private health plan (group or not), we strongly recommend talking to one of Madanes agents before taking any action. For this conversation or meeting, be prepared to present the policy you have so Madanes can make complete comparison and give you the best option.

Although most employees and their families join insurance without health declarations, the Israeli regulation allow to the insurance company, during the first year of insurance the right to check the medical record of every insured who files a claim for service. If it is discovered that the insured had a previously documented medical diagnosis or was in the process of a medical diagnosis during the six months prior to joining the insurance, the insured will not be entitled to receive the service until one year from the date of joining.
After one year from the date of joining the insurance, all claims will be covered in accordance with the terms of the complete policy.

90 days for all sections
270 days for all related pregnancy treatments
270 days for all dental treatments

In each section of the policy there are detailed cases which are not covered. Details of all the exceptions can be found in the full policy booklet.

A surgeon who has been certified and approved by the authorities in Israel or abroad as a surgeon, who has agreed to receive directly from the insurer a salary, agreed with him for performing surgery on the policyholder and / or the insured.
This list is updated from time to time so as soon as necessary, it is advisable to contact  Madanes to find out if the specific doctor is in the agreement or if an agreement can be made with him regarding a specific claim.
For your convenience, a link to the list of physicians in the agreement can be found on the Useful Links page

Call us at 03-6380410 or you can file it online via our website, or you can file it via WhatsApp 052-8259424

If the physician is on the agreement list, the payment is done by the insurer directly to the physician.