[RBS] SUMMARY: switch from Meuhedet Adif to Sea?

[Aryeh Koenigsberg]

Listers,

Below is a summary of the replies I received to my query about
switching from Meuhedet Adif to Meuhedet Sea.

For those of you who don't have time to read through the replies,
the condensed summary is that Sea provides more coverage
and more benefits than Adif. Respondents didn't include more
concrete information about the nature of the expanded coverage.

So, there is an action item below the summary, seeking a volunteer
or two who would be willing to investigate and report back to the
group. More on this below.

The original post:
****===========================****
Date: Thu, 29 Oct 2009 00:31:38
From: Aryeh Koenigsberg <aryeh.koenigsberg at gmail.com>
Subject: [BS/RBS list] Q: switch from Meuhedet Adif to Sea?

Listers,

As members of Meuhedet Adif, we've been asked by the fund to
consider switching to Meuhedet Sea.

We are seeking advice about this proposed switch:

what are the advantages or disadvantages? Is it worth it?

Thanks for any input (or Google search terms).

--
Aryeh Koenigsberg
****===========================****

The replies:

(1)
What you are probably saying is that in the old country they produced
documents in a language that consumers could understand. This helps to
make an informed decision.

The way I understand it, the ‘si’ option gives the ability to do
overseas treatment
if it isn’t available in Israel. It also gives further discounts on
dentist, pharmacy etc.

(2)
i don't know which is better- i do want to warn you that my sister was call be
meuchedet, and she told them she needed a few days to think about it it before
switching - they did not get back for her and the next the she knew -
her credit
card was charged by meuchedet sea! so just make sure they don't start charging
you before you agree.

(3)
After 3years we opted back to Adif.
Too late to amplify ...off to bed.
(editor's note: this reply was written at 12:46 am. For further information
about this reply, send me an email and I'll forward it to the author.)

(4)
The biggest advantage that we could see is that the cost for having an
outside second opinion drops dramatically.  And yes, we use at least one a
year, so we feel it's worth it.

(5)
well I do not know the full picture but I saved 2000 NIS by going to
'c' on elective
surgery at a private hospital.

(6)
The reason that we switched to "Sea" is for the "free" dental care for
children up to
age 12. We did the math on the dental care we need for our kids and
it's cheaper...
for us it comes out to a bit over 1000 per year. You pay for first 3
kids plus at least
1 adult and the 4th kid is free (I think!)

We also have private insurance for G-d forbid serious things... so if
you have private
and Adif there is no other reason to switch to "Sea" unless you want
the dental -
in my opinion... or special tests in pregnancy etc which I (personally) am not
interested in.

(7)
"C" is probably the best package in Israel. The difference in cost is
not that much. The
difference in benefits are substantial. They have a comparative benefit booklet
which shows the additional values.

(8) - (12)
[Five respondents asking to share replies with them.]

End of the replies.

ACTION ITEM:

So, while there is some useful information in the above replies, I was
hoping for more
concrete facts about the benefits of Sea.

Would *you* like to volunteer to investigate the differences between
Meuhedet Adif
and Sea and report back to us or me? Or, perhaps a knowledgeable insurance agent
can step forward and provide this information as a public service?

Thanks!

-- 
Aryeh Koenigsberg