Question 1

In case of a medical issue, can I go to any doctor of my choice?"

Accepted Answer

Yes. You can choose which doctor or medical center to go to. There are no restrictions. There is a doctor/medical center locator provided in the Ginger app, through Migdal Insurance.

Question 2

What should I do if I have a medical issue overseas?

Accepted Answer

Go to the ‘Medical’ section of the app, click on ‘Doctor Finder’ and find the doctor of your choice. You can, of course, go to any nearby doctor or clinic, even if they’re not listed in the app. There is no obligation to go to a medical provided indicated on the list.
In addition, you can submit a request for a consultation with a doctor in Israel via the app, and the doctor will contact you within 3 hours via telephone or email. In case of an emergency, please go to a hospital or emergency clinic to receive immediate medical assistance. Reimbursement requests can be made via the app, and if all valid documents are submitted, reimbursements will be made in up to 3 hours to the credit card listed.
The Israel Medical Association (IMA) Emergency Medical Assistance Center is available 24/7 by telephone: +972-3-920-6912.

Question 3

Is there a deductible in case of reimbursement for medical expenses?

Accepted Answer

No. There is no deductible for medical reimbursement claims.

Question 4

Is there a deductible in case of reimbursement for lost luggage or baggage claims?

Accepted Answer

No. There is no deductible for claims for lost or late luggage or baggage. Deductibles only apply in the case of theft or lost of a laptop ($100) or mobile phone ($30), as long as you added them to the insurance policy beforehand.

Question 5

Is it up to me to call a doctor overseas and make an appointment?

Accepted Answer

Yes. It is also recommended that you verify the address in case the location has changed.
The IMA Emergency Medical Assistance Center is available 24/7 by telephone: +972-3-920-6912.

Question 6

I’m going to the doctor – what do I have to do?

Accepted Answer

First, get care for your medical issue, make the payment, get a medical summary and take the receipt for your payment. If you also need to purchase medication, we recommend you wait to submit your reimbursement request until you have all the expenses to submit. It’s very important to keep all the documents and receipts for your reimbursement request.
If you need assistance or guidance, you can contact the IMA Emergency Medical Assistance Center by telephone: +972-3-920-6912.

Question 7

What documents do I need to submit to apply for a reimbursement?

Accepted Answer

When applying for reimbursement via the app, you need to submit photos of the following documents.

Reimbursement for a medical issue (via the app):
 • Medical report – a clear and readable document stating what the diagnosis was and what treatment was given or performed
 • Receipt of all payments (doctor, blood test, x-rays, medicine, etc.)
 • In case of a road accident, please submit a copy of your driver’s license and the police report
Reimbursement for late luggage (via the app):
 • A copy of the Lost & Found report from the airport
Reimbursement for damaged or lost luggage:
Reimbursement requests for damaged or lost luggage must be made via email to office@gingerbit.co.il,(mailto:office@gingerbit.co.il) and not via the app.
 • Police report for lost or stolen luggage, with details of the claim
 • In case of loss or damaged luggage by the airline, the policyholder must first file a claim with the airline and forward the company’s response to us
 • Receipts for expenses incurred as a result of loss/damaged luggage
 • Details of the incident
 • Photo of check or account manager approval where the refund will be made
*Additional documents may be required, if needed. Make sure all documents are in good quality. Submission of damaged or unclear documents may delay receiving the reimbursement.

Question 8

Do I have to keep original receipts and documents?

Accepted Answer

We recommend that you take clear pictures of all medical documents, including medical summaries, receipts, prescriptions, test results and referrals. In case of a road accident, you must submit a copy of your license and the police report.

Question 9

In what cases can a claim be refunded through the Ginger app?

Accepted Answer

You can apply for reimbursement in cases of a medical problem or late luggage. For all other requests or claims, please contact Ginger via email at office@gingerbit.co.il.(mailto:office@gingerbit.co.il)

Question 10

How do I know if my claim will be covered by insurance?

Accepted Answer

Approvals of claims will be made after review of all documents. It’s important for us to emphasize that each reimbursement is subject to the written details stipulated in each policyholder’s insurance policy. We recommend that you read the policy and the policy terms to understand the complete scope of coverage. If a reimbursement claim via the app is denied, the policyholder has the full right to apply directly to Ginger in the regular manner upon return to Israel.

Question 11

What should I do about late luggage?

Accepted Answer

If you arrived at your destination and you purchased coverage for late luggage, you can submit a request for compensation without a receipt. Go to the ‘Lost & Found’ department and receive confirmation that the luggage was sent to another destination. You must open a refund claim in the ‘Late luggage’ section of the app and submit the document from the Lost & Found department. You are eligible to receive compensation up to $150 for one family. The refund will be made to the policyholder’s credit card only.

Question 12

What should I do if an insurance incident happens while I am overseas?

Accepted Answer

For policyholders, standing medical assistance for people abroad is available 24 hours: +972-3-920-6912

Question 13

I had to shorten my trip – is it possible to get credit for the difference of days for the insurance I purchased?

Accepted Answer

Yes, only after you’ve returned to Israel. You must take a photo of the return flight ticket and approval of entry into Israel (passport entry date / other entry confirmation). The request should be made to Ginger, and we’ll arrange credit for the difference.

Question 14

I had to shorten or cancel my trip – do I get any compensation?

Accepted Answer

If you purchased insurance, you can get compensation up to $6,000 (according to the details of the coverage purchased) only in instances where the cancelation or shortening of the trip was caused by hospitalization of more than 24 hours or death of the policyholder or member of the policyholder’s nuclear family. Compensation will be made only in these instances.

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