(Hai Fe) - The Israeli Consumer Council has filed a class action against Harel Hevera for annulment on the grounds that it violates the right of Klalit Health Fund retirees to join a private long-term care insurance policy.
The Israeli Consumer Council informed Hai Pa News Corporation:
A request was submitted for a class action against Harel Insurance Company. According to the council, the insurance company violates the right of the general health fund pensioners to join an individual long-term care insurance policy.
On Tuesday 31/12/24, the Israeli Consumer Council submitted, alongside a pensioner of the General Health Insurance Fund who was insured in a group nursing policy for the pensioners of the General Health Insurance Fund - represented by the law firm Rappaport, Levin, Bitton as well as attorney Meira Zohar - a request for approval of a class action Against Harel Insurance Company, regarding the violation of the rights of the policyholders in the general pension policy To join a private nursing policy, with the cancellation of the group policy in which they were insured.
For many years, Klalit Health Insurance pensioners were offered to join a group long-term care insurance policy, which in its most recent version included a coverage amount of 5,300 per month (indexed). According to the provisions of the policy and the law, in the event that the group long-term care policy is canceled by the insurance company, the insurance company must contact the insured in writing and offer them to join a private long-term care policy with the same coverage amount, without going through a renewed medical underwriting or an approval period. A private policy has many advantages, including a guaranteed coverage amount that cannot be reduced throughout the life of the contract, a policy that cannot be canceled or its terms changed, premiums known in advance, and more.
Despite these instructions, the Harel company did not offer the retired insured to purchase a private policy, but presented them with a presentation as if their right was summed up in joining the group long-term care policy for members of the general health fund (the normal group policy offered to all members of the health fund), with a coverage amount of only 3,500 NIS.
As a result of this conduct, Klalit Health Insurance pensioners received long-term care insurance with lower coverage, which was even further reduced during the year 2024 (when both the coverage amounts were reduced and its linkage to the index was canceled), while being exposed to the risk of a reduction in coverage in the future, an increase in premiums and even the destruction of the policy altogether. At the same time, retirees who were forced to exercise the policy discovered that the amount paid to them is thousands of shekels less per month than the amount they would have received, had they been insured with the individual policy that they received, and that after paying for long-term care insurance for decades, precisely when they need it, they are in dire straits They have to pay for the care they need.
In light of these statements, the Israeli Consumer Council decided to submit the approval request, in which the court was asked, among other things, to order Harel to compensate all retirees who received reduced insurance benefits by the difference between the amount they received and the amount they would have received under the individual policy, to offer the retirees to purchase an individual policy that includes the amount of coverage they received, and more.
I am also in favor of a class action lawsuit.
Another problem is that in light of the adverse change in the terms of the policy and also a monthly payment of 700 shekels per month for a couple and a membership of 25 years
And if the payments for long-term care insurance stop, ignoring that an insured who stopped his membership in long-term care insurance will be entitled to reduced benefits if he becomes a long-term care patient.
After canceling the policy...accumulation of rights
...and the coverage will be for the entire life of the insured, in accordance with the terms of the policy.
And according to the amount accumulated until the day the policy is canceled.
And this problem also needs to be solved.
Even Clalit's perfect insurance, which represents the insured, didn't help and referred me to Harel, and I didn't get it at Harel either.
What is the solution to this problem?
Harel I am 83 years old, a limited Holocaust survivor, I was examined by four doctors and one from Harel, I was confirmed to need help, but of course Harel canceled. What a joy to be followed like a criminal, I was saved from the hawks, I served and fought in the Golani with pride. And to Harel, you have been doing it for more than four years now, I demand what is due. Our policy that allowed them to act like this
In SD, why do you pay more than NIS 300 every month in other companies, they have lowered the prices only in Harel, they are increasing and increasing, someone will take care of this problem
Menorah Mivathim uses the same method for stealing from insureds. From the moment a lawsuit is filed against Menorah, Menorah will immediately try to mislead the insured, portray him as a liar, and evade payment of compensation at any cost. Even if, from the perspective of the insurance company, this involves actions that are against the law. And the courts cooperate with the insurance companies. We are a totally corrupt and totalitarian banana republic.
The Harel company is an insurance company that abuses its policyholders of long-term care insurance, they send them private investigators and follow their backs in order to deprive them of the right to receive the money they rightly deserve in times of need, to the point that they even enter places they are not allowed to enter in order to take pictures of their policyholders, disgusting
Good luck with the lawsuit, know that not everyone is a sucker.
My brother paid for 2 life insurances and now they refuse to pay us. This is a scam company.
Harel.. No no, they bite into agreements, violate them, not only in insurance for retirees.. It's time for them to check this company thoroughly because there are complaints about it in other insurances as well.
At Maccabi every Monday and Thursday, the conditions are changed for all the nursing care insureds and on the other hand, the fund does nothing.
There is no law and no justice 😪
Successfully
Successfully.
No insurance company wants old people, they only lose money on them. Clalit has not cared for its retirees for years. The entire crisis is its own. Learn, gentlemen. An insurance company will not lose money on you. Indeed, the law requires new underwriting for every new policy and requires a medical questionnaire, and this is for the benefit of all existing insureds, because if no one wants Clalit insureds, why would they fall for Harel?