The benefits of supplementary health insurance program of Meuhedet Adif

Dear policyholders

With the welfare of its members in mind, Meuhedet operates the complementary insurance program Meuhedet Adif. This program, which offers an array of medical services not included in the national health insurance laws basic healthcare basket, has been recently expanded and received numerous improvements. Among other improvements, the list of medical services offered under Haddasah has been expanded, and the rate of the deductible for Meuhedet Adif policyholders has been significantly decreased. The program includes medical services in various areas, thus providing the policyholders with extensive medical coverage, supplementing the services included in the healthcare basket. Meuhedet Adif policyholders have easy access to advanced high quality medical services. Meuhedet cooperates with various medical centers in Israel and abroad, thus granting Meuhedet Adif policyholders access to numerous healthcare services, while assisting and accompanying the patients throughout the entire process, following Meuhedets outstanding traditions. Any member of Meuhedet may join the Meuhedet Adif program, with no limitation related to age or medical condition. This leaflet presents a brief summary of the medical services covered by the Meuhedet Adif program. The complete list of services, as well as the terms and conditions, is provided in the set of regulations of Meuhedet Adif. The Set of regulations brochure is available at Meuhedets branches and on Meuhedets website: www.meuhedet.co.il

With best wishes and good health, Meuhedet

Nisan 5770 / April 2010

Table of Comparison Meuhedet Adif and Meuhedet See

Meuhedet Adif Meuhedet Adif + Meuhedet See

Service

Treatments and surgical procedures in Israel and abroad

Medical help abroad Virtual colonoscopy Treatments/surgical procedures in Israeli private hospitals Private medical services (Sharap) in public hospitals Implants Medical consultation prior to choosing a medical center abroad Surgical procedures abroad according to the choice of the policyholder Plastic operations

Consultation, equipment, and medications

Second opinion abroad Acquisition of implants and medical devices Second opinion in Israel Supply of medications beyond those included in the HMO healthcare basket

Family planning
Genetic testing Diagnosis and treatment of male and female fertility disorders Biochemical screening during the first trimester of pregnancy Follow-up of high risk pregnancies Recovery from labor and delivery Early detection of fetal congenital defects: Amniocentesis or chorionic villi sampling (CVS) Early detection of fetal congenital defects: Fetal organ screening

Service available for Meuhedet Adif policyholders Improved service available for Meuhedet See policyholders Service available for Meuhedet See policyholders only
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Table of Comparison Meuhedet Adif and Meuhedet See

Meuhedet Adif Meuhedet Adif + Meuhedet See

Service

Fetal Nuchal Translucency Screening Cesarean section Cord blood collection Children and adolescents Private pediatrician visit Speech therapy Child development Food substitute products not included in the healthcare basket Treatment of night-time urinary incontinence Hydrotherapy treatments (beyond those included in the healthcare basket by law) Art therapy Music therapy Diagnostics of attention and concentration disorders Dental and periodontal care Dental examinations and treatments Preventive medicine Vaccinations Vaccinations and drugs for travelers Preventive tests Emergency care Urgent ambulance transport Subscription to cardiologic monitoring and transmission service and emergency medical care for cardiac patients

Service available for Meuhedet Adif policyholders Improved service available for Meuhedet See policyholders Service available for Meuhedet See policyholders only
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Table of Comparison Meuhedet Adif and Meuhedet See

Meuhedet Adif Meuhedet Adif + Meuhedet See

Service

Recovery and rehabilitation Private nurse service Complex nursing hospitalization Recovery from complex surgery Rehabilitative exercise following myocardial infarction Rehabilitation after sport injuries Life style Psychological counseling and treatment Sport medicine Aesthetic medicine Laser treatment of myopia Optometric services Diet counseling Alternative medicine Workshops and courses Tests and services Sample collection for laboratory tests at policyholders home Physician home visit services Oncogenetic tests Periodic screening tests Treatments Anti-ageing treatments for slowing the ageing processes Shockwave treatment Management of hemorrhoids and fissures Management of sexual dysfunction Management of snoring and blocked nose problems

Service available for Meuhedet Adif policyholders Improved service available for Meuhedet See policyholders Service available for Meuhedet See policyholders only
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Services Provided To Meuhedet Adif Policyholders

Treatments and surgical procedures - in Israel and abroad Treatments/surgical procedures in private hospitals Eligibility for hospitalization in a private hospital for medical treatment and choice of the treating physician, including: Operations as part of the private medical services at public hospitals that have an agreement with Meuhedet with especially low co-payments Medical services in a private hospital provided by a physician chosen by the policyholder. Private medical services (Sharap) provided in Jerusalem public hospitals Implants eligibility for acquisition of implants used during a surgical procedure performed in a private hospital All of the above, according to the approved list of services Medical treatment abroad Additional support to patients requiring transplantation and life saving surgery, as well as in management of special medical conditions abroad, including: Additional support to patients requiring transplantation and life saving surgery - for those eligible for such procedures according to the national health insurance law. Treatments abroad not included in the Ministry of Health regulations. Ancillary expenses associated with medical procedures performed abroad. Virtual colonoscopy Eligibility for virtual colonoscopy procedure Consultation, equipment, and medications Second medical opinion Second medical opinion in Israel eligibility to receive 3 times a year. Second medical opinion abroad eligibility to consult a senior specialist in one of the medical centers abroad, contracted with Meuhedet, for life-saving purposes. Medications not included in Meuhedets Drug basket eligibility for a discount upon acquisition of essential drugs not included in the list of drugs approved for supply by Meuhedet. Acquisition of medical devices eligibility for partial reimbursement of expenses related to acquisition of essential medical devices.
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Family planning Genetic testing Eligibility for genetic tests aimed at detection of carriership of genetic diseases choosing from an extensive list of approved tests. Diagnostics and treatment of male and female fertility disorders Eligibility for fertilization treatments for members eligible to receive the fertility treatments according to the national health insurance law, in a private hospital contracted with Meuhedet. These include: Diagnostic tests aimed at discovering the reason for fertility disorders. Supply of drugs for treatment of infertility. In-vitro fertilization (IVF) beginning with third child. Freezing of genetic material freezing of fertilized ova and their subsequent implantation to the policyholder. Fertility treatments using ovum donation performed abroad. Biochemical screening test during the first trimester of pregnancy Eligibility for biochemical screening test during the first trimester of pregnancy for pregnant policyholders with a single fetus. Early detection of fetal congenital defects Amniocentesis - eligibility for amniocentesis or chorionic villi sampling (CVS), according to the policyholders choice. Fetal organ screening eligibility for early fetal organ screening or extensive fetal organ screening instead of the basic screening (approved for all the HMO members, according to the national health insurance law) performed during the second trimester of pregnancy (weeks 20-25).
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Management of high risk pregnancies Eligibility for pregnant women at high risk to receive a home monitor for continuous pregnancy follow-up. Recovery from labor and delivery Eligibility for the woman (having three or more children) to get a 3-day recovery leave in an institution specialized in recovery from labor and delivery. Children Private pediatrician visit Eligibility for reimbursement of expenses related to a private visit to a pediatrician, who is not contracted with Meuhedet by agreement. Child development Eligibility for treatment related to child development - up to 36 sessions per year, beyond the sessions to which the child is entitled according to the national health insurance law. Speech therapy Eligibility for reimbursement of expenses by Meuhedet for one course of speech therapy (treatment of stuttering) or one course of learning disability treatment due to organic speech disorder (by a speech therapist), beyond the sessions to which the child is entitled according to the national health insurance law. Dental and periodontal care Eligibility for receiving various dental care services in dental clinics of Meuhedet, including: Free dental examination once a year, emergency and first aid treatments. Special prices for dental calculus removal and oral hygiene education. Discounts on the prices of dental treatments in Meuhedets pricelist. Supply of pharmaceutical products required for dental treatments. Preventive medicine Vaccinations Vaccinations eligibility for vaccinations according to the policyholders request: hepatitis A and B vaccines, influenza vaccine and pneumococcal vaccine. Vaccinations and drugs for travelers to sites where special vaccinations are required, according to the Ministry of Health instructions. Preventive tests Eligibility for preventive tests, as specified below: Fecal occult blood test Cervical exam (Pap smear) Mammography and bone density tests beyond those covered by the national health insurance law.
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Emergency medicine Urgent ambulance transport Eligibility for partial reimbursement by Meuhedet of expenses associated with ambulance hospital transport without subsequent hospitalization. Subscription to cardiologic monitoring and transmission service and emergency medical service to cardiac patients Eligibility for compensation for a subscription to cardiologic monitoring and transmission service and emergency medical service to cardiac patients. Rehabilitative exercise following myocardial infarction Eligibility for partial reimbursement by Meuhedet of expenses for controlled rehabilitative exercise following acute myocardial infarction. Recovery and rehabilitation Private nurse Eligibility for compensation for expenses associated with purchase of private nurse services following surgery requiring continuous monitoring and follow up. Recovery from complex surgery Eligibility for compensation for expenses associated with recovery in a specialized institution, for policyholders undergoing brain surgery, abdominal surgery, organ transplantation, or other surgery (except for aesthetic plastic surgery and obstetric surgery) requiring continuous hospitalization for more than 10 days. Complex nursing hospitalization Eligibility for compensation for hospitalization expenses, in case of a policyholder defined as a patient requiring complex nursing care.

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A healthy mind in a healthy body Psychological counseling and treatment Eligibility for psychological counseling and treatment given by psychologists contracted with Meuhedet by agreement. Sport medicine Eligibility for discounts on the rates charged by Meuhedet for treatments and exams performed in Meuhedets sport clinic. Alternative medicine Eligibility for discounts on the rates charged for treatments performed in the alternative medicine clinics of Meuhedet. Diet counseling Eligibility for diet counseling by dieticians contracted with Meuhedet by agreement.

Aesthetic medicine Eligibility for discounts on the rates charged by Meuhedet for cosmetic varicose treatments. Laser treatment of myopia Eligibility for laser treatment of myopia. Optometric services Eligibility for discounts on purchase of optical glasses and sun glasses from suppliers contracted with Meuhedet by agreement.

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Waiting Periods for Different Rights of Meuhedet Adif

Waiting Periods for Different Types of Coverage in the Framework of the Meuhedet Adif Program Vaccinations and drugs for travelers Dental and periodontal care Alternative medicine Sport medicine No waiting period Private pediatrician visit Urgent ambulance transport Laser treatment of myopia Optometric services Diet counseling Recovery from a complex surgery Medical devices 3 month waiting Early detection of fetal congenital defects period Genetic tests Virtual colonoscopy APOS shoes system Drugs not included in Meuhedets drug basket Psychological counseling and treatment Second opinion Vaccinations Management of high risk pregnancy Recovery from labor and delivery Subscription to cardiologic monitoring and 6 month waiting transmission service and emergency medical service to cardiac patients period Private nurse Child development Speech therapy Preventive tests Aesthetic medicine Rehabilitative exercise following myocardial infarction Treatments/surgical procedures in private 12 month waiting hospitals period Complex nursing hospitalization Purchase of implants Diagnosis and treatment of male and female 24 month waiting infertility period Medical help abroad

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GENERAL INFORMATION

1. Insurance Rates
Detailed according to the policyholders age
Age group 0-24 24-30 30-55 Single over 55 Family Family (when head of the family is over 55)
Correct to April 1, 2010 Monthly Rate

NIS 36 NIS 44 NIS 58 NIS 70 NIS 93 NIS 100

Notes: a. The insurance rates listed above were calculated to include a 5% discount granted to those paying via regular money transfer from their bank accounts (horaat keva). The bank accounts of Meuhedet Adif policyholders will be charged accordingly, once a month. b. Policyholders using payment vouchers may pay at any postoffice branch (Bank hadoar) in the country or in Meuhedets offices. c. Regular transfer of insurance payments ensures all the rights to which policyholders of supplementary health insurance programs are entitled, as stated in the set of regulations. d. Delays in insurance payments may harm policyholders rights, up to cancellation of their membership in the Meuhedet Adif program. Updating Insurance Rates Insurance rates of the Meuhedet Adif program are updated according to the consumer price index published by the Central Bureau of Statistics, or the health cost index, whichever is higher. In addition, insurance rates are updated according to the changes in the service basket composition and the real cost of the variety of medical services included, based on actuarial calculation performed periodically, as approved by the Ministry of Health.

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2. Joining the Supplementary Health Insurance Program and Waiting Period

a. An Israeli resident, accepted as a member of Meuhedet and who joined the Meuhedet Adif program, will be entitled to benefits offered by the supplementary health insurance program following a waiting period, beginning from the date of joining the program. Some of the medical services covered by Meuhedet Adif do not require a waiting period. Other services require a waiting period ranging from 3 to 24 months, as stated in the set of regulations and in the table specifying the waiting periods for various services (see page 12). b. Demobilized soldiers, joining the program within 90 days from the date of their demobilization, are entitled to all services without any waiting period. c. A policyholder moving to Meuhedet from another HMO, where he/she was covered by a supplementary health insurance program, having completed the waiting period required by Meuhedets guidelines will be exempt from the waiting period required for Meuhedet Adif (in accordance with Meuhedet Adifs regulations). d. A policyholder may terminate his/her membership in the program, as well as the membership of those who joined Meuhedet Adif as members of his/her family, by signing a Letter of Disclaimer. e. Policyholders who have terminated their membership in the Meuhedet Adif program, or those whose membership has been cancelled due to delays in insurance payments, who decided to rejoin the insurance program, will be covered according to the terms and conditions applicable to new members, subject to the effective set of regulations.

3. Deductible/ Meuhedets participation

a. Most of the services included in the list of services offered by Meuhedet Adif are provided by private providers (hospitals, physicians, institutes and paramedics). In view of the high costs of these services on the private market, some of the medical services included in the list require partial coverage by the policyholder (deductible). b. Other services included in the list of services offered by Meuhedet Adif are provided on the basis of reimbursement of the policyholders expenses associated with purchasing a certain service (compensation) by Meuhedet. The rate of the deductible and the extent of reimbursement by Meuhedet are updated periodically, as stated in the regulations.
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JOINING MEUHEDET ADIF

For your convenience, there are four options to join the Meuhedet Adif program: Telephone Registration Via Credit Card Call the Meuhedet Adif call center at 1-700-706-706 or the Meuhedet Direct call center at *3833, or 1-222-3833 from a land line. Registration Via Credit Card Please complete a registration form with your credit card details and submit it at the secretarys office at any Meuhedet clinic, or mail the form to the clinic. Registration Via a Standing Bank Order Please complete a registration form with your standing bank order details and submit it at the secretarys office at any Meuhedet clinic, or mail the form to the clinic. You can complete the registration process at the secretarys office at any Meuhedet clinic in Israel

The contents of this leaflet provide general information only. Effective terms and conditions of the supplementary health insurance program are specified in the set of regulations of Meuhedet Adif. Prior to purchasing any medical service, policyholders have to inquire about their rights to coverage.

Nisan 5770 / April 2010

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w w w. m e u h e d e t . c o . i l

*3833