Leumit

Silver/Gold
Greater choice, Better health

(Supplementary Insurance)

Shaban Plans

Everything you wanted to know

Call 1-700-507-507 or *507 from any mobile phone www.leumit.co.il

Why should you join the Shaban Supplementary Insurance Plan?

The National Health Insurance Law has compiled a Health Basket a set of basic healthcare services that all Israeli healthcare funds are obliged to provide. We at Leumit believe you deserve more! Regardless of how comprehensive the health basket is, it is unable to cater to all your medical needs. It is for this reason that we advise our members to join Leumit Gold, the most advanced and comprehensive supplementary medical services plan in Israel. The supplementary insurance plan offers three types of benefits: 1. Higher medical care standards - By allowing you to choose specific surgeons from among Israels leading specialists, and by having you choose the private hospital or private healthcare facility in which the surgical procedure is to be carried out. 2. Services in categories that are not covered by the Health Basket - For example: genetic testing, dental care discounts, orthopedic accessories, travel vaccinations, etc. 3. Extensive treatments - Even in fields covered by the basic Health Basket, you will also be entitled to receive additional treatments - for example, in the field of child development, your child will be entitled to receive numerous additional treatments beyond those offered by the Health Basket (physiotherapy / occupational therapy / speech therapy / psychotherapy), all based on specific medical needs.

How can you join?

There are two ways by which one can join: 1. By approaching any clerk working at any Leumit medical center. 2. By registering over the phone with the Customer Service Call Center at 03-6080720 or *5075 from any mobile phone. Payments may be made by: Credit card. Standing bank order. For further information regarding registration, please visit Leumits website at: www.leumit.co.il
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How much does it cost?

AGE 0 - 17 18 - 24 25 - 29 30 - 34 35 - 39 40 - 44 45 - 49 50 51 52 53 54 - 59 60 - 64 65 - 69 70+ Leumit Silver PREMIUM 7.92 19.07 19.07 25.49 26.85 28.07 28.88 28.88 31.72 31.72 31.72 31.72 33.39 37.42 38.60 Leumit Gold PREMIUM 17.66 24.96 54.37 64.20 71.03 83.52 90.47 90.73 100.46 103.49 106.88 107.90 107.90 107.90 107.90

Who is entitled to join?

All Leumit members are entitled to join any one of the Shaban plans - Leumit Silver or Leumit Gold. Terms of enrollment are identical for all members, without any discrimination whatsoever, regardless of age or preexisting medical conditions.

Children Premium In families including at least one parent that is enrolled in the plan, all children beginning with the fourth child may enroll free of charge. The premium is linked to the last known index on 1st January 2012. The premium varies according to the members insurance age at time of payment. Insurance Age - The members exact age on his/her first birthday subsequent to the date on which the premium is paid.
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What you entitled to receive?

The full details of all rights to which Shaban Plan members are entitled are presented in the Shaban Plan Agreement that is offered to Leumit Health Services Members (hereinafter: the Shaban Agreement). The Shaban Agreement is available for review at any Leumit branch or online at www.leumit.co.il For your convenience, this brochure provides a brief description of the services included in the Shaban Agreement for Leumit Silver and Leumit Gold members. All prices quoted are correct as of 1st January 2012 and are linked to the index. NOTE: The only binding version of information is that which is presented in the Shaban Agreement. In case of contradiction between any statements presented herein and those presented in the Shaban Agreement, the latter shall govern.

When does the entitlement period begin?

Services are provided following completion of a Qualification Period which is determined for each medical service offered separately under the agreement. However, there are many categories for which no Qualification Period is required and which may be enjoyed immediately after registration. Listed below is a partial list of services offered without any Qualification Period.
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Genetic testing to rule out congenital disorders Testing for pregnant women and childbirth Coverage of medicine Travel vaccinations Laser surgery for correction of nearsightedness Integrative medicine (natural) Dental care

Exemption from Qualification Period - Discharged soldiers and any member who was previously enrolled in any other Shaban plan offered by any other Israeli healthcare fund, who sign/s up for Leumit Gold/Silver within 3 months of joining Leumit, shall be entitled to a full exemption from any Qualification Period, subject to any provisions set forth in the Shaban Agreement. For additional details regarding any of the rights to which you are entitled, please contact Leumits Customer Service Call Center at 1-700-507-507 or *507 from any mobile phone, or online at www.leumit.co.il.

Private Surgery
Your health is not a game to be played with... Before undergoing surgery, it is important the identity, experience, and reputation of the designated surgeon is known. At Leumit, you choose your surgeon, hospital, and the date which is most convenient for you. The right to choose is yours!

The Right to Choose a Surgeon

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Surgery performed by Affiliated Surgeons - Leumit doctors who perform surgery in private clinics. Surgery performed by Special Affiliated Surgeons - Israels leading specialists, with exceptional experience and reputation, who are affiliated with Leumit. Surgery performed by Other Surgeons - Refund of surgeon fees for surgeons who are not affiliated with Leumit (refund amounts are as specified in the relevant list). All surgeries require payment of a small deductible fee.

Surgery and Transplants Abroad

Should you ever require surgery or transplants abroad and are eligible to receive them under the Health Law, Leumits Shaban plans grant additional refunds as follows: A transplant abroad - Up to $1,000,000 (Leumit Gold). - Up to $250,000 (Leumit Silver). Special treatments abroad - Up to $150,000 (Leumit Gold). - Up to $100,000 (Leumit Silver).
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Choosing the facility in which you undergo surgery Leumit allows you to choose the hospital in which you prefer to undergo surgery from the Hospitals List presented in the agreement, based on your own personal preferences, taking into account geographical location that is most convenient for you and the reputation of the hospital into account. Surgery at many private hospitals/clinics across the country: Leumit is affiliated with numerous hospitals such as the Assuta hospital chain, HMC (Herzliya Medical Center), Elisha/Horev Hospital, and more... Private Medical Service Surgery (Sharap) Surgery performed within framework of Private Medical Service facilities at the Hadassah, Shaare Zedek, and Bikur Holim Medical Centers. * The Hospital List is subject to change from time to time. For this reason it is advised to verify in advance, based on the surgery code, which hospitals are included in the agreement and which are not.

The Right to Choose Hospital

Consultation with Leading Specialists Second Opinion

Second opinion in Israel Under the Shaban plan, members are entitled to consult Israels top physicians and receive a refund. Only at Leumit are members truly entitled to approach any specialist physician with over five years of experience as a board-certified specialist (excluding dentists and Leumits inhouse physicians). Leumit Gold members - Are entitled to receive an 80% refund, up to 657 NIS (for three consultations per year plus one consultation with a pediatrician). Leumit Silver members - Are entitled to an 80% refund, up to 597 NIS (for one consultation per year plus one consultation with a pediatrician). I saved money with Leumit Gold !!! Cost of private consultation 900 NIS Refund 657 NIS How much money did I save with three consultations a year? 3 X 657 NIS = 1,971 NIS

Surgery Supplementary Services

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The operation itself is only a part of the comprehensive Surgery Package which also includes various medical services offered prior to, during, and subsequent to surgery: Second opinion - Consultation with another specialist before making a final decision regarding the need for surgery. Refund for devices transplanted during the operation. Private nurse service - Refund for private nurse services provided at the hospital following surgery. Recovery + rehabilitation following heart surgery (in addition to any services provided under the basic Health Basket). Post-surgery recovery - Refund for post-surgery recovery involving more than 7 days of hospitalization.

Pregnancy and Childbirth

Leumits Shaban plans are the most extensive plans offered in this field. We recognize the importance of being there for you during those special moments in life... Did you know? - Clinical research has proven that maternal milk is the optimal nutrition for babies and contributes to the health and well-being of the mother! New at Leumit Refund for breast feeding consultations provided by certified breast-feeding consultants with IBCLC degree. Leumits Shaban plans offer numerous prenatal tests, treatments, and accessories to ensure all goes well
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Which Healthcare Fund is Best for Families with Children?

determines: Leumit takes First Place
On 03/02/2012 Yedioth Ahronoth published an in-depth article in the Mamon supplement which set out to determine which of the Israeli healthcare funds was best for families with children. The conclusion was clear: Leumit Healthcare Fund offers the most comprehensive insurance coverage for children. Among the topics covered by the article were the following: Basic treatments in the field of child development (physiotherapy, speech therapy, occupational therapy, psychologist) The verdict: Leumit stands out above the rest. Additional treatments in the field of child development (music therapy, art therapy, therapeutic riding) The Verdict: Leumit is generous in the no. of treatments it provides with relatively low excess insurance for payment by the member. Dental Treatments The verdict: Leumit stands out above the rest. Counseling with specialist pediatricians - The verdict: Leumit is the most liberal of the healthcare funds it allows members to consult with physicians who are registered as specialists for 5 years, offering a relatively high no. of consultations. Medical accessories The verdict: In most common accessories, Leumit requires the lowest excess insurance from its members and offers the highest returns.
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In vitro fertilization treatments at private hospitals Refund for donation of ovum (eggs) Genetic testing for ruling out congenital disorders Two fetal anatomy scans during each pregnancy for Leumit Gold members Free amniocentesis for Leumit Gold members Nuchal Translucency Screening Refund for private childbirth starting from fourth child (Leumit Gold) Childbirth preparation classes (Lamaze classes) Home monitor Postnatal recovery care

From now on its clear The most beneficial insurance plan for families with children is Leumit Zahav!

I saved money with Leumit Gold !!! Cost of privately purchased amniocentesis screening 2,500 NIS Price for Leumit Gold members 0 NIS (Free!) How much money did I save? 2,500 NIS

Pediatrics
When formulating the Shaban plans, it was your children we had in mind (as well as our own) New at Leumit A wide range of advanced treatments: Expressive and creative therapies (music therapy / art therapy / movement) Therapeutic sporting activities Therapeutic swimming
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Dental Care
Dear Leumit Gold members, Leumit is here to make sure you never stop smiling !!! Private dentists Only at Leumit! Dental care provided by private dentists and/or dental clinics which are affiliated with Leumit. Close to home - The only Healthcare Fund in the country that allows you to receive dental care in your own area of residence or employment. The right to make a choice - At Leumit, we make sure the right to make a choice is always yours. Accordingly, Leumit works with 300 private dental clinics and 55 dental imaging institutes offering services across the country from Kiryat Shmona to Eilat. Professionalism and responsibility - All dental treatments offered to members have been tested by Leumits dedicated Control Center. Payment only upon completion It is only after the approved treatment is completed and not before Leumits Control Center certifies proper execution and approves the dentist fee requested corresponds with the certified price list, that actual payment is made, directly to Leumit. More profitable All dental care prices offered to Leumit Gold members are lower than those offered by other Israeli healthcare funds. What am I entitled to receive? Dental Care for Children: Preservative Dental Care: All Leumit Gold member between the age of 10 to 18 are entitled to receive preservative dental treatments with a deductible fee of 20 NIS per treatment. Preservative treatments include: calculus removal (once a year),
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Leumit continues to be the leader in provision of medical services beyond those which members are entitled to receive and those which are offered by the basic Health Basket:
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Various child development treatments (physiotherapy, occupational therapy, speech therapy, psychotherapy) Didactic diagnosis of learning disabilities Diagnosis of attention and concentration disorders Bedwetting treatments Therapeutic horseback riding Nighttime physician house call Back brace for treatment for scoliosis

Pediatric Medicine: Over-the-counter drugs and preparations for infants: Baby AgistenTM, AdvilTM, ChizukitTM, Fenistil GelTM. Drugs for attention and concentration disorders: ConcertaTM. VaccinesTM.

I saved money with Leumit Gold !!! Cost of privately purchased deductive diagnosis 1,400 NIS private consultation 900 NIS Refund 657 NIS Deductible fee 478 NIS. How much money did I save?with three consultations a year? save 3 X 657 NIS 1,971 NIS 1,400 478 = =922 NIS

I saved money with Leumit Gold !!! 1018 year old child needing preservative dental treatments: Cost of 3 restorations + calculus removal + sealing of holes and cracks at non-affiliated dental clinics: Approx 800-1000 NIS (depending on type of restoration required) Leumit Gold deductible fee 100 NIS. How much money did I save? 1,000 100 = 900 NIS

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dental restorations, sealing of holes and cracks, structures, crowns, dental extractions (exodontia), and so forth... Orthodontic treatments for children - Up to 35% discount off Leumits official price list.

Orthopedic Products
Shaban members are entitled to purchase orthopedic products with a low deductible fee. Sample products include: Insoles Back braces Ankle / knee / elbow guards Truss Elastic socks
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Additional Benefits: All Leumit Shaban plan members are entitled to significant discounts from all affiliated dental clinics: Up to 25% discount on dental treatments Teeth cleaning once every six months year - at a 50% discount!
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Drugs Not Included in the Basket

The National Health Insurance Law has compiled a Drug Basket which all Healthcare Fund members are entitled to receive. Because new drugs which are not included in the Drug Basket are approved for use on a daily basis, Leumit Gold offers its members hundreds of additional drugs which are not covered by the basket. Coverage for drugs is provided with no waiting period such that new Shaban members are able to purchase them at significant discount at all Leumit pharmacies immediately following registration. Pediatric drugs and preparations Osteoporosis medication Anti-diabetic medications Flu and Cold medications Heart disease medications Painkillers Antidepressants Weight loss medication Pulmonary disease medication Impotency medication Alzheimers medication Vitamins and nutritional supplements
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I saved money with Leumit Gold !!! Cost of privately purchased plaster insoles 650 NIS Leumits deductible fee 60 NIS How much money did I save? 650 60 = 590 NIS

Hearing Aids
The national Health Basket allows all persons to receive a refund for the purchase of a hearing aid. Leumits Shaban plans offer an additional benefit beyond that which is provided by the basic Health Basket, such that Leumit members are always able to purchase the latest generation hearing aids.

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I saved money with Leumit Gold !!! Annual cost of privately purchased ConcertaTM type medicine 4,836 NIS Cost with Leumit Gold 2,418 NIS How much money did I save? 4,836 2,418 = 2,418 NIS I saved money with Leumit Gold !!! Annual Cost of privately purchased XenicalTM ( weight loss) 4,128 NIS Cost with Leumit Gold 3,036 NIS How much money did I save? 4,128 3,036 = 1,092 NIS

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Preventative Medicine
At Leumit we believe lifestyle improvements and maintenance of health awareness are the correct approach for prevention of disease, early detection, and treatment. Management Review - Periodic screening tests Virtual colonoscopy Occult blood test Mammography PAP smear Bone density test Advanced genetic tests of cancer Food sensitivity and allergy tests
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Integrative Medicine
On 02/10/2011, Channel presented a survey detailing the coverage of alternative medicine treatments by all Israeli healthcare funds. In its findings the channel declared: Leumit offers its members the lowest price. In recent years, modern medicine has also come to recognize the importance of integrative medicine. Leumits Shaban plans offer a range of treatments by professionally certified therapists at an extremely low deductible fee. Please Note - Only Leumit offers its Shaban members unlimited integrative medical treatments!! Some treatments may be provided at the patients own home. In addition, there are therapists who specialize in treatment of children. The following is a partial list of available treatments: Homeopathy Chiropractic Reflexology Feldenkrais Chinese medicine Tuina Shiatsu Massages
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Psychotherapy
All Shaban plans entitle members to see any affiliated psychologist and receive therapy at a significant discount. For example, Leumit Gold members at the low cost of 113 NIS per session (for Leumit Gold members only). All members are entitled to receive up to 24 therapy sessions. I saved money with Leumit Gold !!! Cost of private psychotherapy 350 NIS Leumits deductible fee 119 NIS How much money did I save on 24 sessions? 5,544 NIS

I saved money with Leumit Gold !!! Cost of privately purchased Shiatsu session 150 NIS Leumits deductible fee 66 NIS How much money did I save on one years worth of treatments? 4,032 NIS

Travel Vaccinations
Going to China? Japan? South America? It doesnt really matter as long as you return home safely! All Shaban plans refund your money for any consultations and/or vaccinations you receive at a Travel Clinic, 80% refund up to 836 NIS, per year (Leumit Gold).

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January 2012

Z2101110

Shaban (Supplementary Insurance) Plans, Everything You Wanted To Know

If you have any additional questions? Please do not hesitate to contact us by phone at 1-700-507-507 or *507 from any mobile phone, or online at www.leumit.co.il Provided for informational purposes to all Leumit members

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