PALESTINETV — broadcast
20260920 100500 UTC
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[00:00:00] in their terrorist
[00:00:03] murders, while they are settlers or what is
[00:00:11] Doctor, we will continue with you regarding is no called shepherds or hill youth, all of whom embodied a single system
[00:00:14] the contraction. Competition and militias, at the hands of Ben Gvir, who wanted to kill everything
[00:00:17] that is Palestinian. Now, al-Mughayyir has been under siege for hours,
[00:00:20] arresting dozens of young people. And
[00:00:24] silence from organizations that claim
[00:00:28] democracy and human rights. Not only for al-Mughayyir, what is happening
[00:00:31] in Burqa and the assault on the mosque
[00:00:35] yesterday in everything
[00:00:38] means his whole issue is that he tries to stand firm and live on his land,
[00:00:42] of insurance from but this usurper wants
[00:00:43] Thank you very much for to displace all our people. What is happening in Mu'allim and what is happening in
[00:00:47] Al-Aqsa on the third Jerusalem, which daily
[00:00:50] an understanding to cover this there is targeting of it and practicing Talmudic
[00:00:54] rituals
[00:00:56] or is it in it. There are calls, voices from the world,
[00:01:00] Jerusalem, the city of religions, there
[00:01:03] must be protection for this holy city, and not
[00:01:07] a show for Netanyahu and his wife to enter the Holy
[00:01:10] of Holies, and they call it the point that no one can reach
[00:01:14] except them. This is a violation, I
[00:01:17] will not say of international humanitarian law, because the Palestinian no longer
[00:01:21] believes in any international law, and what is the humanity of this
[00:01:25] world? We always thank the support
[00:01:27] and those who stood by us and recognized us, who
[00:01:30] paid the price as a result of their positions.
[00:01:33] But also political positions are very important, but
[00:01:37] the position that our people need
[00:01:39] risk or this danger or this at this moment is to stop institution, then this the killing, stop the injustice, stop this genocide in all
[00:01:43] governorates. The issue is not only Gaza, which
[00:01:46] health insurance or not. In has been annihilated. The issue health, he does is the West Bank,
[00:01:49] who want to annihilate all its people in the camps, in
[00:01:53] but here a question the villages and everywhere. And what they practice of thuggery
[00:01:57] are medical insurance towering village that is exposed to this by the settlers, who are driven by this entity.
[00:02:01] There will be violence and there will be
[00:02:04] a war that will destroy Netanyahu and his ilk in
[00:02:08] these elections, where always the Palestinian people are the ones who pay
[00:02:12] is approximately how many in the price. We also
[00:02:13] The price is directly proportional have, during these two days, with all relevant authorities,
[00:02:17] meetings regarding the olive harvest season. The olive harvest season in
[00:02:21] let's say, because it's a commodity Palestine is always a bloody season, but this year
[00:02:25] policyholders in it is completely different from all previous years due to the
[00:02:27] thuggery committed by these
[00:02:30] allow me through this usurpers. Now also there will be tightening, and the
[00:02:34] Smart Health, and we have many biggest tightening has started due to what happened in the north of the West Bank,
[00:02:37] Ramallah Governorate. Now, and this is, they are now taking
[00:02:41] it as an excuse and justification for more
[00:02:43] this is due to insurance for this killing, and they don't need any excuses. They always commit
[00:02:47] killings, thuggery, and transgressions against the whole world, meaning they
[00:02:51] be aware of these matters in transgress against the whole world, not
[00:02:53] This only against the Palestinian. The unarmed Palestinian is the one
[00:02:57] further emphasize this who stands firm against this system supported by the greater occupation. America, which
[00:03:01] is negotiating all over the world, but there are
[00:03:04] countries that possess oil and nuclear
[00:03:08] weapons, and it is at war with this entity and with
[00:03:12] health insurance, at least its supporter, and the Palestinian stands firm with his
[00:03:15] years, has there been an expansion in this unarmed body, standing firm on his land because he has a right, meaning
[00:03:19] the occupation will disappear, and we will remain, God willing, on our land. Once again,
[00:03:23] we bow in respect to the people of al-Mughayyir and to the people of every village
[00:03:26] and Palestinian camp, determined to remain in
[00:03:29] their homes despite all this thuggery, seizure of
[00:03:34] we have reached the end of this homes, killing, assault on women and children, because
[00:03:36] we believe that this is our right, and the one who has the right is always
[00:03:39] the strong one,
[00:03:42] insurance premiums in and the occupier is the weak one, and he will leave, God willing. Also, Doctor, in light of what
[00:03:46] is happening in the village of al-Mughayyir and in Ramallah and Al-Bireh governorates
[00:03:50] and all governorates of the homeland, in your opinion, where
[00:03:53] is the scene heading in
[00:03:55] A decline. the West Bank in the coming days? They are directing the scene until. Our
[00:04:05] وحتى غير الفردي الكثير من
[00:04:21] people, but God willing, they are the ones who will end, and we are the ones who
[00:04:24] will remain on this land.
[00:04:27] Dr. Laila Ghanem, member of the Central
[00:04:31] Committee of the Fatah movement and governor of Ramallah and Al-Bireh governorate. Thank you for being
[00:04:34] with us via phone, and you told us about the situation
[00:04:38] in Ramallah and Al-Bireh governorate.
[00:04:41] And we remain on this topic. We are joined by
[00:04:44] Jaafar Hamayel, Secretary of
[00:04:47] there is a contract. This the Fatah movement, Ramallah and Al-Bireh region. Mr. Jaafar,
[00:04:50] welcome. So, in light of these continuous closures
[00:04:53] of all entrances and exits of Ramallah
[00:04:56] governorate, in your opinion, does the widening scope of closures
[00:05:01] but do not and incursions indicate a change in the nature of military procedures in Ramallah
[00:05:05] and in the West Bank in general? Good evening to you and
[00:05:08] all brothers and sisters,
[00:05:11] the viewer. My dear sister, what Ramallah
[00:05:15] governorate is exposed to
[00:05:20] different from what the other governorates of
[00:05:23] the homeland are exposed to, but at a higher rate in Ramallah
[00:05:26] governorate. These closures are daily,
[00:05:30] these checkpoints and gates are closed
[00:05:33] daily, but today we were surprised by a complete closure
[00:05:36] of Ramallah governorate, cutting
[00:05:40] off the governorate or the city from the
[00:05:43] villages, so much so that there are thousands
[00:05:45] of people stranded in the city who cannot
[00:05:49] leave the city and return to
[00:05:53] their homes, in addition to thousands of others
[00:05:56] outside the governorate who want to return to it. We
[00:05:59] are talking about a humanitarian problem,
[00:06:02] we are talking about an issue that will be paid
[00:06:06] by tens of thousands of people from this governorate,
[00:06:08] and under the pretext and pretext
[00:06:11] that is always present with the occupation system, from the occupation
[00:06:15] army to its political government. We
[00:06:18] are exposed to this attack continuously,
[00:06:22] and the goal of it is to empty this land of its original inhabitants,
[00:06:26] to empty this land of its people, and
[00:06:29] to leave it
[00:06:32] empty for a group of
[00:06:35] settlers and people
[00:06:38] who are supported and religiously fanatic, who claim
[00:06:41] that they are the owners of this land, but this land has
[00:06:45] its steadfast owners,
[00:06:47] they are
[00:06:49] ready to pay the price, ready to pay
[00:06:52] their lives, ready to pay their blood,
[00:06:56] ready to pay their freedom for the sake of their remaining on this
[00:06:59] land. The goal is to displace us, and our message is clear:
[00:07:03] we will not be displaced. And the village of al-Mughayyir
[00:07:06] is the steadfast, resilient,
[00:07:09] approach daily, for months,
[00:07:12] and for months, the process of entering and exiting
[00:07:16] al-Mughayyir has become a difficult process for the people of al-Mughayyir,
[00:07:19] even for its visitors.
[00:07:22] They try to cut off this village from the outside world, they oppress
[00:07:26] the people of this country with all their might
[00:07:29] by seizing their livelihoods, confiscating their lands,
[00:07:33] by killing, by arresting, but as a model
[00:07:36] it will remain a symbol of steadfastness
[00:07:40] and challenge. Therefore,
[00:07:43] platform to express
[00:07:46] my respect and appreciation and pride
[00:07:50] in the village of Al-Mughayyir as a country,
[00:07:53] and as a people, all
[00:07:56] its families and factions, and we say, you taught us
[00:08:00] a great lesson, people of Al-Mughayyir, we must all
[00:08:03] celebrate it. steadfastness must
[00:08:07] be reflected in our other villages and our other camps. We
[00:08:10] must all cling to our land. These closures and
[00:08:13] pressures will not affect us. We will remain on this land, we will not
[00:08:17] give Netanyahu or Ben
[00:08:20] Gvir their goal. We will not leave
[00:08:23] our land, we will not leave our homeland.
[00:08:25] They are steadfast.
[00:08:28] Let them do what they do, they are the intruders, and we are the permanent residents. They
[00:08:32] are the ones who will leave, and we will remain, God willing. Jaafar
[00:08:35] Hamayel, Secretary of the Fatah movement, Ramallah and Al-Bireh region, you were with us
[00:08:39] via phone. Thank you for all
[00:10:18] Welcome, dear viewers. Private medical insurance
[00:10:21] is a sector directly related to the health of the citizen
[00:10:24] and their ability to face treatment costs.
[00:10:27] However, it also faces challenges
[00:10:30] related to the high cost of healthcare services, policy prices,
[00:10:34] coverage limits, and medical approvals. How does
[00:10:38] the private medical insurance market work in Palestine, and what
[00:10:41] should citizens know before choosing an insurance
[00:10:44] policy, and where does the role of health insurance
[00:10:47] management companies, or what is known as TPA, fit into this
[00:10:51] system? We talk about the reality of the medical
[00:10:55] insurance sector and the challenges. We host Dr. Ammar Al-Bisharat, Director of Smart Health
[00:10:59] for Health Insurance Services and Management.
[00:11:11] first, tell us in general about
[00:11:14] indicators of the reality of the medical insurance sector in
[00:11:18] Palestine. How do you read the reality of this sector? May God
[00:11:22] grant you health. Of course, initially, the
[00:11:25] insurance sector in general, before
[00:11:28] we talk about the medical insurance sector, the insurance sector in general is one
[00:11:32] of the pillars of the Palestinian economy. When we talk
[00:11:35] about approximately general insurance
[00:11:38] premiums as a whole, they were in
[00:11:42] 2025 approximately
[00:11:44] 430 million dollars.
[00:11:48] The share of medical insurance or health insurance
[00:11:51] from these premiums, I am talking about approximately 43
[00:11:57] million dollars. So, it is a vital
[00:12:01] and essential sector in the Palestinian economy.
[00:12:04] We talk about the medical insurance sector.
[00:12:08] It is one of the pillars
[00:12:11] in general,
[00:12:14] and it is considered number two after the dominance of the
[00:12:18] car insurance sector, which basically
[00:12:21] exceeds 65% of the total
[00:12:25] insurance. The medical insurance sector ranges between
[00:12:28] 10 and 13% of the total insurance in
[00:12:32] Palestine. The number of insured people
[00:12:37] total? Frankly, there are no
[00:12:40] clear and explicit figures, but in
[00:12:43] general, it ranges between 160,000 to 170,000
[00:12:47] private insurance
[00:12:50] the West Bank and Gaza Strip. Well, Doctor,
[00:12:53] of course, when we talk about the medical sector, you are from
[00:12:59] companies working in this field as well in this
[00:13:03] medical sector. True.
[00:13:05] There is a topic or concept of health
[00:13:08] insurance that falls within the scope of all
[00:13:12] insurance companies' work in Palestine, without mentioning names,
[00:13:16] all of them, so that general
[00:13:19] insurance and car insurance are taken, in addition
[00:13:22] to health insurance. So,
[00:13:33] Doctor, does this insurance, the medical sector, or medical insurance,
[00:13:36] expand, meaning over the past
[00:13:40] sector in medical insurance, or
[00:13:43] is the expansion limited or restricted or
[00:13:46] stable? In general, it is
[00:13:50] expanding, but let me say that
[00:13:52] the expansion is slow.
[00:13:59] For example, in 2023,
[00:14:02] the total premiums were 38 million. Medical
[00:14:07] 2024
[00:14:11] or in 2022 were 38 million. In 2023,
[00:14:14] it was 42. In 2024, it dropped
[00:14:18] to 38.
[00:14:20] In 2025, it rose to 43 million.
[00:14:25] Therefore, it is expanding, but in a
[00:14:28] fluctuating manner. What are the reasons for this difference? Is
[00:14:31] it the Gaza Strip? Is it the economic conditions, because there was a decline
[00:14:35] and then a recovery again? There is no doubt that the
[00:14:38] living and economic conditions in
[00:14:42] Palestine play a major role, starting with
[00:14:46] the economic situation of the individual and the economic
[00:14:48] situation of institutions, because the majority of those insured with
[00:14:52] health insurance are affiliated with
[00:14:58] universities, like some other
[00:15:02] institutions, where some of them, due to financial and economic conditions, reduced
[00:15:05] health insurance for several considerations.
[00:15:09] That is, primarily,
[00:15:12] the political and economic conditions.
[00:15:16] Doctor, are there challenges facing this sector currently, besides economic
[00:15:19] matters? Of course, the challenges are great, like
[00:15:23] all sectors, but
[00:15:25] in the medical insurance sector, there are challenges that are, let's say,
[00:15:28] on a large scale. Among them, we can
[00:15:32] mention, for example, the high
[00:15:35] cost of medical procedures.
[00:15:38] True. From procedures, from
[00:15:41] operations, from tests, from medications
[00:15:44] even. This is one. Two,
[00:15:48] competition also plays a role in
[00:15:51] even in the medical
[00:15:54] and health sectors. Another challenge
[00:15:58] might be the
[00:16:00] lack of understanding by the citizen himself of
[00:16:04] the nature and type of health insurance. And it's true,
[00:16:16] the insured citizen. So this is part of the challenges
[00:16:19] that we can observe in the sector. We will discuss these axes in depth
[00:16:23] shortly, but also, Doctor, I want to ask about
[00:16:27] medical insurance. Frankly, has it become a basic
[00:16:31] need
[00:16:33] still an additional service from citizens, not only in medical
[00:16:37] insurance, but frankly, even in government insurance?
[00:16:40] Some people, for example, cancel
[00:16:44] their insurance or do not pay for years, then when they need it,
[00:16:47] they remember that they must have medical insurance and are forced to
[00:16:51] pay for previous matters in order to benefit from these services.
[00:16:54] So, I am talking about the culture.
[00:16:57] Why is the culture not yet widely present, not only in private
[00:17:00] medical insurance, but even there are problems
[00:17:03] in those who want insurance in the government sector?
[00:17:07] Some people. see it as a necessity. Some people only see
[00:17:10] it as a necessity when they need it.
[00:17:14] Indeed, brother Emad, the idea is as follows:
[00:17:17] when a citizen is in good
[00:17:20] not pay attention to whether he has
[00:17:24] critical situations, when he needs
[00:17:28] health insurance,
[00:17:30] he is shocked by the high cost of some procedures he needs
[00:17:34] to undergo, such as an operation, a test, etc. He remembers
[00:17:38] that he does not. Therefore, there should
[00:17:41] be awareness among citizens of the necessity of
[00:17:43] health insurance, not only for immediate
[00:17:46] use, but also as a pillar
[00:17:49] for something that, God forbid, might
[00:17:53] happen, similar to the principle of car
[00:17:56] insurance, where I insure my car obligatorily,
[00:17:59] in case
[00:18:03] a certain accident happens to me.
[00:18:06] Therefore, the necessity of having
[00:18:10] car insurance is essential, and for this
[00:18:13] reason, there must be awareness among citizens
[00:18:15] of the necessity and obligation of health
[00:18:18] insurance, not necessarily private health insurance,
[00:18:22] but private government health insurance,
[00:18:26] UNRWA, etc. Every citizen must have
[00:18:29] health insurance. Now, are you in favor of amending
[00:18:32] the laws that
[00:18:34] matter? These matters were discussed in the
[00:18:38] correct vision. There were several meetings, even with
[00:18:42] several officials from institutions and associations
[00:18:46] calling for the necessity of
[00:18:49] after a certain age, for example.
[00:18:53] Correct, due to the presence of chronic diseases and
[00:18:56] let's say the increase in risk factors, which is
[00:18:58] the increase in the probability of needing
[00:19:02] health insurance. Therefore, after a certain age, there must
[00:19:05] be health insurance.
[00:19:09] Even the existence of health insurance reduces the cost to the state and
[00:19:12] health insurance. Its continuous existence and not intermittent existence
[00:19:16] leads to the fact that I can simply
[00:19:20] go check, I can go reassure myself about my health, I can go
[00:19:23] and so on. Therefore, its existence is a mandatory necessity. It must
[00:19:27] be mandatory and its mandatory nature
[00:20:15] We continue with you, dear viewers, in "Economy Talk" and we talk in this episode
[00:20:19] about private medical insurance,
[00:20:23] its importance, and perhaps the most
[00:20:26] important problems it faces,
[00:20:29] the insured, and other
[00:20:32] topics. We will also learn about health insurance
[00:20:35] management mechanisms. We continue with you, Dr. Ammar. You mentioned
[00:20:39] earlier a very important point, which is
[00:20:41] the call for every citizen to have
[00:20:44] any type of insurance, not private, government, UNRWA, any
[00:20:48] thing. But in the end, we must
[00:20:50] indeed have health insurance because, God forbid, serious things happen, and we,
[00:20:54] as a society, indeed, when things become serious, we remember that we must
[00:20:57] have insurance.
[00:21:01] private insurance. To
[00:21:05] what extent do you feel that private medical insurance
[00:21:08] constitutes a burden for insurance companies, frankly?
[00:21:11] Because I always hear from managers
[00:21:14] that medical insurance causes us losses, but
[00:21:18] we must work with it. This is a fact
[00:21:21] and not rumors. Let's say that
[00:21:25] health insurance or medical insurance with
[00:21:28] insurance companies is a type
[00:21:32] the losing type
[00:21:33] of insurance
[00:21:37] for companies. And the reason for this is that
[00:21:40] the premiums that are taken for health
[00:21:43] insurance are not commensurate with the compensations.
[00:21:47] Therefore, there are always more compensations
[00:21:50] than premiums in the field of health insurance.
[00:21:54] Uh-huh. More compensations than premiums. Of course. Therefore,
[00:21:57] companies prefer to deal with institutions
[00:22:01] with a complete package for this reason to reduce the risks somewhat.
[00:22:05] Correct. The larger the number, the less the risk
[00:22:08] or danger. Therefore,
[00:22:12] the existence of compensation for a certain
[00:22:15] procedure
[00:22:18] by hundreds or thousands, for example, in the case
[00:22:22] of hundreds of insured people with this
[00:22:29] compensation is distributed among the premiums
[00:22:32] that were collected from the
[00:22:36] rest of the subscribers or insured. Doctor, also
[00:22:39] we will discuss and delve into the topic of insurance policies,
[00:22:43] comes to mind:
[00:22:47] policies expensive in private medical insurance,
[00:22:51] or do they range from where to where in price?
[00:22:55] For example, let's not say that the price is
[00:22:58] high or low or
[00:23:00] expensive. to the
[00:23:04] coverage, meaning the insured
[00:23:07] buy,
[00:23:11] in the end, it's a commodity that is sold, an insurance commodity that is sold. They buy
[00:23:14] coverage. Correct. This coverage,
[00:23:18] or this policy, or this agreement, contains
[00:23:22] clauses. These clauses
[00:23:25] are intended to arrange medical
[00:23:28] approvals, meaning this disease is covered, this disease is not covered,
[00:23:33] individual or this institution. Therefore, the insured
[00:23:37] must
[00:23:41] the policy. And then,
[00:23:44] he chooses what I want from policies.
[00:23:48] But as a price criterion, it is not necessarily the only factor
[00:23:52] that makes this policy better than others. Rather, what do I need?
[00:23:55] 100%. Meaning, the age of the insured
[00:23:59] also plays a role. For example, a young
[00:24:02] insured person or a young
[00:24:05] person does not need coverage for chronic diseases,
[00:24:08] for example, or so on. However, an elderly person
[00:24:11] needs to have a policy that includes chronic diseases and
[00:24:15] coverage for chronic diseases for some chronic conditions.
[00:24:18] Therefore, here, the comparison can be
[00:24:22] that if he takes fewer chronic diseases, there are no chronic diseases,
[00:24:25] the cost will be lower. If he takes diseases with chronic diseases, the cost will be
[00:24:29] higher. Therefore, age and gender also play a role in
[00:24:32] choosing the policy. Doctor, chronic diseases are, frankly,
[00:24:36] perhaps the most problematic issues. Meaning,
[00:24:40] a person, for example, has chronic diseases. He must
[00:24:43] tell the insurance company that he has these diseases so that
[00:24:47] the insurance company can discuss with him and verify, and then advise him on the insurance
[00:24:51] policy, because some people conceal some matters and then tell the insurance
[00:24:54] company that they have some diseases or discovered them recently, for example.
[00:24:58] 100%. This is something essential and very necessary.
[00:25:02] Disclosure in the application for membership and the application for insurance is
[00:25:05] a necessity, not an option. Meaning,
[00:25:08] as soon as you concealed that you have no chronic diseases, for example,
[00:25:11] this necessitates not covering them later in the policy.
[00:25:15] Therefore, the injured party is not the insurance company essentially.
[00:25:18] The injured party is the insured.
[00:25:30] What people think is that I hide it and then I put them
[00:25:33] in a fait accompli. In other words,
[00:25:37] contract says that you do not have chronic diseases, so I will not cover your chronic
[00:25:41] diseases. Also, on the same point, Doctor, perhaps some of the things
[00:25:44] we hear are insurance for pregnant women.
[00:25:48] Many people, for example, insure
[00:25:51] tell the insurance company that their wife is pregnant. So, when she goes
[00:25:55] to the hospital to get
[00:25:58] insurance or an insurance service, she is surprised
[00:26:01] that the insurance does not want to cover. Now, what
[00:26:04] is it, my friend Iyad? The idea
[00:26:08] in all insurance is
[00:26:10] to buy risk,
[00:26:14] the uncertain risk, 100%. Meaning,
[00:26:17] when I know that I am going to insure a
[00:26:20] pregnant woman, I must know the cost of pregnancy and childbirth
[00:26:24] clearly and explicitly beforehand. So, naturally,
[00:26:27] I will not insure for
[00:26:30] a cost, for example, for
[00:26:33] one shekel, when I know that for childbirth and pregnancy,
[00:26:36] I will need to spend 5000 shekels, for instance. Therefore,
[00:26:40] it is obligatory to disclose the existence of pregnancy
[00:26:43] or the non-existence of pregnancy so that there
[00:26:46] is an
[00:26:50] agreement or
[00:26:53] pregnancy and therefore cover it in the policy, of course.
[00:26:56] Therefore, even the price in these cases is higher.
[00:27:00] Yes, you mentioned a point earlier.