Insurance Claims

Throughout life, various dangers lurk at our doorstep that may harm our health and cause significant damage to us and our loved ones. Those of us who have wisely understood that our health has no substitute have certainly taken care to purchase various insurance policies that can cover the multitude of problematic situations that befall our lives.

There are different types of insurance policies that provide insurance coverage in the event that physical damage is caused to the insured: insurance policy for disability from serious illnesses, personal accident insurance policy, life insurance, and more.

Insurance companies operating in Israel offer their clients the option to purchase a private insurance policy that covers cases of disability, illness, and death. These are private insurance policies that anyone can purchase and pay for according to their needs and personal details. Therefore, this is not an identical policy for each and every insured person, but rather a specific insurance policy that is specifically tailored for the client, according to their various personal details such as age, income level, profession, health condition, etc.

For example, an insurance policy for disability from illnesses will insure you against a case of disability in the event that you suffer from a serious illness. According to this policy, you will be entitled, upon the occurrence of the insured event, to a one-time payment in accordance with the insured amount and the policy terms. In case of disability as a result of illness, the full insurance amount will be paid to you only in case of total disability, as defined in the policy. In case of partial and permanent disability, a partial amount from the insured sum will be paid, according to the disability percentage that was determined.

In a personal accident insurance policy, coverage will be provided only for bodily injuries caused to the insured as a result of an "accident." The insurance policy itself defines in advance which case will be considered an accident for insurance purposes and which will not be considered an accident.

The disability percentage caused to the insured according to the aforementioned policies is determined based on medical documents and medical opinions. Insurance companies base their determination regarding the disability percentage on medical opinions provided by experts on their behalf, which often are strict with the injured party. Therefore, in many cases, submission of a medical opinion on behalf of the insured is required. In many cases, a medical expert will be appointed to serve as an agreed arbitrator regarding the determination of the insured's medical condition.

When to File Lawsuits According to the Aforementioned Policies

The statute of limitations period for lawsuits filed against insurance companies according to insurance policies is 3 years, meaning the lawsuit can be filed up to 3 years from the date of the accident or illness.

The statute of limitations requirement is fulfilled only with the filing of the lawsuit to the court. Therefore, it is not sufficient to approach and submit a claim to the insurance company, unless an explicit and written consent of the insurance company to extend the statute of limitations period as stated has been received.

Handling lawsuits according to insurance policies for bodily injuries caused to the insured requires experience and expertise of an attorney who is knowledgeable and specializes in this field, together with the assistance of appropriate medical experts. Therefore, it is recommended to contact our office, which specializes, among other things, in lawsuits for insurance compensation in order to receive legal consultation and handling of the lawsuit, starting from the initial stage and upon the occurrence of the insured event.