Long Term International Health Insurance for Preexisting Conditions?
August 29, 2014 12:51 PM   Subscribe

I broke my back a few years ago and suffer from mild paralysis. I found a great job overseas (in Israel) but now I need to find a health insurance plan that covers my pre-existing condition.

I've found one plan that covers me after 24 months of not needing any medical care related to my injury, but considering that my job assignment will be 24 months - it's fairly useless.

I don't generally need any special care for it, but obviously it would be really dumb to not have coverage in case I need it.

One idea that popped into my mind is to buy the aforementioned insurance because it provides great coverage otherwise and then get a special insurance specifically for the preexisting condition.

I'm also looking for a plan that covers mental health (the plan I found only covers it after a year), so bonus points if you can help with that.
posted by arcederberg to Travel & Transportation around Israel (4 answers total) 1 user marked this as a favorite
You'd be fine insured by an Israeli HMO as a resident of Israel, as far as I can tell: from Wikipedia

Rights under the National Health Insurance Law
Every resident has a right to register as a member of an HMO of his/her choice, free of any preconditions or limitations stemming from his/her age or the state of his/her health.

posted by ambrosen at 1:22 PM on August 29, 2014

Response by poster: That's only applicable if you are a citizen. I just got off the phone with the CEO of an Israeli company that partners with the national healthcare system to provide health insurance for ex patriots and although it operates within the Israeli system, I will not receive the same rights with regard to pre-existing conditions as a foreigner, however it will be a great medical plan for everything else.

So I'm still looking for something that covers pre-existing conditions, even if it's expensive. I'm not sure this exists, but if there was a way for me to exclusively cover my preexisting condition that would be best because I could use it in tandem with my policy with the national healthcare system.
posted by arcederberg at 2:24 PM on August 29, 2014 [1 favorite]

My apologies. I used to do work related to this in the UK, and, I think in common with all EU countries, we count all legally resident people as being enrolled in the healthcare system just the same as citizens, so I assumed that definition of resident from Israeli law was the same as the one we use in Europe.
posted by ambrosen at 4:59 PM on August 29, 2014

Response by poster: no reason to apologize, but yea - Europeans make things a lot easier...
posted by arcederberg at 7:28 PM on August 29, 2014

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