אינסייט פתרונות פיננסיים - Insight

04/06/2026

שלוש המומחיות מטעם חברת הביטוח, וגם הביטוח הלאומי, קבעו כולם בנפרד כי המבוטח בן ה-83 נמצא במצב סיעודי, אך חוקרים פרטיים מטעם הראל שנשלחו לעקוב אחריו הגיעו למסקנה הפוכה...

17/05/2026

Why Having an English-Speaking Insurance Agent by Your Side Is Invaluable for Your Peace of Mind

Not long ago, a client called me because she needed to update her credit card details with the insurance company. The thought of handling the task herself caused her stress and anxiety.

That conversation reminded me of something important: people prefer giving responsibility to a professional so they can focus on the things they do best and enjoy most.

As an experienced insurance agent, I know exactly which forms are required, where they need to be sent, and who to contact when problems arise or documents are missing. Just as importantly, I follow up throughout the process to make sure everything runs smoothly.

Over the years, I’ve seen firsthand how a skilled insurance or pension agent can make the difference between a simple request being handled properly and a financial disaster worth hundreds of thousands of shekels being avoided. Having someone behind the scenes taking care of things allows you and your family to continue your daily lives with peace of mind.

I’ve seen it when clients needed to sign temporary risk coverage forms on time to prevent their pension plans from being canceled.

I’ve seen it when employees needed to correctly complete Form 161 for severance pay (“pitzuim”) after leaving a job — something that has become a mandatory and often confusing process.

I’ve seen people with legitimate medical claims get rejected simply because forms were filled out incorrectly, submitted improperly, or never submitted at all because the bureaucratic process felt overwhelming.

And I’ve seen situations where things went terribly wrong, but because the insurance agent understood the system from the inside, solutions were found and major losses were prevented.

Many people who work with large insurance agencies — or who don’t have a dedicated insurance agent at all — often don’t realize the risks they are exposed to. Sometimes, not sending one urgent form or failing to sign one simple document can result in significant financial loss.

For English speakers who are unfamiliar with the language, culture, or bureaucracy, the challenge can feel even more intimidating. That’s why having an English-speaking insurance agent by your side can make all the difference.

So do yourself a favor: work with an insurance agent who answers the phone, responds quickly, and earns your trust.

05/05/2026

Dear Client,
I’ve been working with you on your insurance since approximately September 2016—nearly 10 years now.
You recently received an SMS notifying you of a price increase on the attached policy. I wanted to give you a comprehensive answer regarding this rather than just a quick WhatsApp reply.
Here is the situation:
In 2014, insurance companies in Israel stopped selling surgery policies that included compensation for surgeries performed within the public healthcare system. This means that policies (which date from 2013 or earlier) still retain these superior conditions.
In February 2016, insurance companies changed things even further. They removed the ability to choose any surgeon you want, limiting the choice to a specific list provided by the five largest insurance companies (including Phoenix). Additionally, they introduced a clause allowing them to raise prices by 20% every two years in new policies. Later, even that restriction was removed, giving insurance companies the freedom to raise prices as much as they choose.
I remember traveling to Jerusalem to meet with MK Itzik Shmuli, who held a committee meeting on this very issue (I was quite naive back then! 🙂). Since then, they managed to raise prices by 100% in 2023, it honestly feels like a conspiracy to raise prices in every aspect of life.
Most recently, at the end of January 2026, Phoenix requested to hike the prices of pre-2016 policies by dozens of percent (since they don't need permission for the newer ones). Fortunately, the Capital Markets, Insurance, and Savings Commissioner rejected their request.
You can read more about it in the comment.
In short, there is a clear and deliberate trend of worsening terms and increasing costs. This makes older policies "rare gems" with excellent conditions that are much harder for insurance companies to change compared to the new ones.
Therefore, my recommendation is not to touch on or change your existing policies for as long as your financial situation allows. If your financial circumstances change in the future, we can investigate other options.
Off course that these written words are not to come as a substitute for a meeting with a licensed professional to advise on your specific situation including health, financial and needs.

09/04/2026

Why It Is Essential to Have an Experienced Insurance and Pension Professional by Your Side
Recently, a client approached me with a routine question regarding coverage for her newborn child.
During our conversation, I suggested taking a broader look at her overall insurance and pension portfolio — not because of any immediate concern, but מתוך a professional belief that periodic review is an integral part of responsible financial management.
The review revealed a significant issue:
the management fees on her pension fund had been updated to the maximum level permitted —
▪ 6% of each contribution
▪ 0.5% of the accumulated balance
This is a high-earning client with pension savings amounting to several hundred thousand shekels. Under such circumstances, she should be benefiting from far more favorable terms, not paying the maximum allowable fees.
Once I identified the issue, I informed her immediately and advised her to contact the pension provider in order to have the terms corrected.
The financial impact of such a correction could translate into substantial long-term savings over the years.
This case is a clear reminder of how important it is to make insurance and pension decisions with the guidance of an experienced professional — someone who understands the full picture, knows how to identify irregularities, and most importantly, safeguards the client’s interests over time.
In a world where many assume everything is managed automatically, experience shows otherwise.
Even with the financial products that matter most to us, proper oversight, attention to detail, and professional guidance remain essential.
High-quality insurance and pension guidance is not a luxury — it is a fundamental part of responsible, accurate, and intelligent financial management.

10/02/2026

*הפגנת חולי הסוכרה: "לבלב מלאכותי הוא דבר אמיתי"*
חולי הסוכרת הפגינו בדרישה לשלב את הלבלב המלאכותי בסל התרופות
https://www.inn.co.il/news/534002?fbclid=IwZXh0bgNhZW0CMTEAc3J0YwZhcHBfaWQMMzUwNjg1NTMxNzI4AAEe6hqgQ6XcGOs3hN-otHEfRVMczlKHtcb9KzGcDSEwNIrRQXQJX1Rc5VbtvR0_aem_dIrQ-bj1mTry04t9ctnCAA?utm_source=whatsapp&utm_medium=social&utm_campaign=share

חולי הסוכרת הפגינו בדרישה לשלב את הלבלב המלאכותי בסל התרופות

27/01/2026

Here’s an article about the reform in English: https://www.jns.org/israel-moves-child-development-services-into-public-framework/ #:~:text=1%2C%202026%2C%20services%20such%20as,be%20phased%20out%20by%202030.

As the first phase of reform is set to roll out by February, parents hope for more access while critics warn of strains.

27/01/2026

הפניקס ביקשה מרשות שוק ההון לייקר בעשרות אחוזים את ביטוחי התרופות שהופקו לפני 2016, אך בקשתה סורבה בשל הרווח הגבוה בשלושת הרבעונים הראשונים של 2025. ברקע הבקשה החריגה: ד....

13/01/2026

31/12/2025

31/12/2025

Looks like price hikes and lower coverage is on the way.