[RBS] SUMMARY #2: switch from Meuhedet Adif to Sea?

[Aryeh Koenigsberg]

Listers,

As sometimes happens, the posted summary on a topic generates
even more responses, thus creating the need for a second summary.
This second summary below, though, has some valuable information,
plus, as a special bonus, some thoughts of my own on the topic.

The replies (continuing the count from the first summary, which appears
in full, below):

(13)
After several years of having C, the only advantage in my opinion is the
ability to go to a private doctor (with restriction that must be a head of
a department of professor etc..) 4 times a year and get back 85%

I used it every year and probably just about broke even, so it was worth it.

(14)
I also got a call, from what I understood was that they cover free
dental for kids and that they cover extreme cases, which Adif does not
cover.  For day to day use, it didn'tsound like they had more to offer
except for dental care.

(15)
for what it's worth, we examined both See and Adif in July and from
what I recall Adif seemed to offer no useful extra benefits unless
one is a Senior Citizen.

(16)
(From a phone conversation with a member of one the local Meuhedet
medical secretariats)

Here's a 43-page Hebrew PDF document describing the coverage offered by
Meuhedet Sea:
https://www.meuhedet.co.il/meuhedet/downloads/meuhedetC.pdf
(warning: may make your eyes glassy.)

And a 15-page  Hebrew PDF document summarizing Meuhedet Adif, including a
3-page chart comparing Adif and Sea:
https://www.meuhedet.co.il/meuhedet/downloads/adifBr.pdf

SPECIAL BONUS: SUMMARY-AUTHOR'S OWN PERSONAL YET
BRIEF OPINION:

The wide range of responses on this topic is likely attributable to
individual preferences, comforts, and medical needs, just as
a query such as "what type of toolbox should I buy?" (sorry, ladies,
for the man-oriented illustrative example) would generate a range
of responses.

The fact that your hardware store sells a toolbox that is sturdy, and
has lots of storage compartments plus a nifty lock, does not mean
that you, personally, should buy it. If you rarely need a toolbox, and
you have nothing to store in it, then you can probably get by with
a cheaper one.

So, it looks like the decision to switch from Meuhedet Adif to Sea
rests pretty much on your particular personal situation, and not on
any obvious pat information.

In conclusion, I'm ready to resolve this query and summary. But, I'm
still happy to accept responses, replies and feedback offline, which
I will post to the list if there is enough public interest, and if the
moderators haven't unsubscribed me by then.

-- 
Aryeh Koenigsberg

On Wed, Nov 11, 2009 at 9:58 AM, Aryeh Koenigsberg
<aryeh.koenigsberg at gmail.com> wrote:
> 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
>