Inactive Insurance
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Question
Hello, I was insured with Maccabi Health Insurance and wanted to set up a standing order with a credit card, but the card was not accepted by them, and I was unaware of this because I did not check if the card was updated. As a result, after some time of not paying, they canceled my membership, leaving me without insurance for a certain period without my knowledge. When I found out about the whole situation and re-registered, they wanted to charge me for all the months I hadn't paid, even though I was without insurance. The question is whether I am obligated to pay for the time I was excluded from the insurance because if I needed to receive service, I would not have been accepted due to the debt, and if so, why should I pay for that time?
Answer
Hello,
If indeed you would not have received service had you approached them during this time, you do not need to pay.
However, it is not at all certain that this would have been the case, as they have an obligation to continuity. Therefore, this needs to be clarified.