PALESTINETV — broadcast
20260920 103600 UTC
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[00:00:00] they are also doctors. of Israeli forces and the army.
[00:00:03] This also happens in other Therefore, the case and the report are studied in accordance with
[00:00:07] the insurance policy and medical protocols. The medical protocols in force.
[00:00:10] So why, doctor,
[00:00:12] medical network, this name, does the person also have an insurance card
[00:00:16] will be in my network. when they go to the hospital? Or other simple matters
[00:00:19] news spread, are treated, but for some examinations, the doctor has to
[00:00:22] talk to the company to obtain approval.
[00:00:26] This means that he already has approval,
[00:00:30] but it is not an exception, but he must
[00:00:33] communicate with the company that manages
[00:00:37] this matter and get approval.
[00:00:40] Why do some procedures require
[00:00:45] it could be in several clarification in the first place? Clarification as to why
[00:00:49] to urge citizens this procedure is requested at this time. We are talking about non-emergency procedures.
[00:00:54] during the coming Of course, we are not talking about emergencies. Emergencies are dealt with
[00:00:56] quickly, and so on, and approvals are obtained.
[00:01:00] For example, we can talk about
[00:01:02] occupation began directly MRI scans, CT scans.
[00:01:05] and other organizations For example, scheduled surgeries
[00:01:07] that are not
[00:01:11] to play their role in emergencies require some documents and supporting evidence
[00:01:13] from the medical entity
[00:01:16] to study them. Do they comply with
[00:01:20] the policy or not? Does this policy cover
[00:01:24] the lawyers' syndicate, for example. these procedures or not? Has the medical protocol been followed? For example, I don't know
[00:01:28] what to give from the first visit.
[00:01:30] An MRI scan. There must be a medical
[00:01:35] towards their homes. history for the patient, the residents, and what an attempt at certain
[00:01:37] treatments through medication, through natural treatments,
[00:01:41] through such. In the event
[00:01:43] villages and towns to
[00:01:44] since there are also more that this protocol or these procedures are exhausted, some images
[00:01:48] are resorted to, and for this
[00:01:50] and village councils reason, there are grounds for clarification from the treating physician to the insurance
[00:01:54] which the Israeli occupation company. Honestly, doctor, several
[00:01:59] especially since this questions came to my mind.
[00:02:00] incident occurred Well, what if the coverage is rejected? I mean, the patient
[00:02:04] is surprised that he wants treatment for chronic diseases or
[00:02:08] other things, or a scan, and it was rejected,
[00:02:10] and it is not in the policy. What happens?
[00:02:13] I mean, it was rejected. Or, for example, he might say to you,
[00:02:18] the cost. But today, "Okay, I can pay, for example,
[00:02:19] we must think about to cover a larger policy. I will pay you the difference, and it will be
[00:02:22] dealt with." I mean, what happens? What are the options for the person
[00:02:26] who is really in need
[00:02:30] assaulting citizens, and it is rejected? The examinations are rejected because the policy does not cover this matter.
[00:02:33] Unfortunately, here
[00:02:35] You told us about we are talking about something rejected
[00:02:38] outside the scope of the policy. I mean, the insured's policy does not cover.
[00:02:42] The insurer apologizes for covering this procedure
[00:02:46] or this scan. Now, naturally,
[00:02:49] we are not talking
[00:02:52] network of correspondents here about the absence of a medical need for the procedure.
[00:02:55] We are talking about the absence of approval from
[00:02:58] the policy or from
[00:03:01] the insurance document. So, we try
[00:03:05] to help the patient by, for example, amending the policy
[00:03:08] at that moment. Certainly not, because
[00:03:12] this is not possible. It has procedures and so on.
[00:03:16] However, we can go in other directions, for example,
[00:03:20] providing another
[00:03:22] you, colleague Marah, and all medical opinion. We can help him
[00:03:24] obtain, by virtue of the relationship between him and
[00:03:28] the provider, a certain discount rate, and so on,
[00:03:33] and until this day, so that we can help ensure that he does not bear
[00:03:36] occupation army camp, the costs, and we reduce the costs of the procedure that we did not cover.
[00:03:40] with complete impartiality. And it happened to us many times that we helped with matters.
[00:03:43] Sometimes there are many insured with private insurance and government insurance.
[00:03:47] Sometimes they go to the government sector, so it is much
[00:03:50] cheaper for them. Doctor, what came to my mind, honestly,
[00:03:54] is the question, is there an idea
[00:03:57] to merge government sector insurance
[00:04:01] with private insurance? Has this idea been raised?
[00:04:05] Honestly, private insurance, I mean, the situation in
[00:04:08] the government is known. There is a shortage of capabilities,
[00:04:12] a lack of services.
[00:04:13] as the occupation There is a major
[00:04:15] shot him in the upper financial crisis in the sector.
[00:04:17] extremities of the body, And whoever has tried private insurance
[00:04:18] and also in the lower knows how fast things are.
[00:04:20] One criterion is for the doctor And it is treated quickly, and so on. And if the policy
[00:04:23] is good, he does not find problems, and he goes to good
[00:04:26] hospitals as well. So, can we merge
[00:04:30] the government sector and the private sector? Have you discussed
[00:04:35] spread of the medical network these matters? Honestly, there were
[00:04:37] many proposals for this matter in the previous
[00:04:40] periods and in the previous and even current ministries.
[00:04:43] First, to expand
[00:04:45] the medical network so that the insured the reach of medical insurance to all members of society.
[00:04:48] This is one. Second, to improve the service
[00:04:52] provided in the... Because I feel that private
[00:04:56] insurance is closer to people because it is faster.
[00:05:00] First, I don't have to wait in line for a long time.
[00:05:04] Clinics, even at the clinic level. I mean, I want to see a specialist.
[00:05:07] They might give me an appointment after three or four months.
[00:05:10] Okay. And this is not limited to our country, to Palestine.
[00:05:15] countries, or in the side. At the end, or so on.
[00:05:19] There are waiting periods that can take a long time in the government
[00:05:23] sector. Now, in cases where waiting is not a problem,
[00:05:26] but in simple or urgent cases,
[00:05:30] it is necessary. So, there was a high-level discussion about
[00:05:34] merging the two sectors
[00:05:37] to improve the service. For example, it was suggested
[00:05:41] that TPA companies take over government
[00:05:44] insurance, and also issue
[00:05:47] policies for government insured.
[00:05:50] It could be with lower coverage, it could be
[00:05:54] with higher co-payments,
[00:05:57] ways, but at least we would improve the service.
[00:06:01] Yes, we could raise the price for those who want it.
[00:06:05] This is one, or increase the co-payments.
[00:06:08] There was a proposal, and civil society
[00:06:11] organizations worked on this,
[00:06:13] and conducted research,
[00:06:17] worked on this. And several meetings were held
[00:06:21] in this regard. But you know, sometimes there are many
[00:06:24] obstacles. But the existence of this idea is
[00:06:27] there, it is there, true. Because as I speak with you,
[00:06:31] I feel that, as you mentioned, private insurance,
[00:06:34] despite being more expensive compared to government insurance,
[00:06:38] which costs about 700 or 650 shekels per year,
[00:06:42] private insurance is higher. But people are closer to this
[00:06:46] topic because the services are faster. The access
[00:06:50] to the service is the basis and the criterion, let's say,
[00:06:53] for private insurance, especially
[00:06:57] options in private insurance. Government insurance is limited
[00:07:00] to government institutions, government hospitals.
[00:07:04] For example, if we talk about someone with private insurance
[00:07:06] in Ramallah, we have eight private hospitals
[00:07:09] and an uncountable number of them.
[00:07:20] So, he can go at any time, 24/7, to medical
[00:07:24] institutions. Doctor, since we mentioned government
[00:07:28] and private, I just want you to explain
[00:07:32] to us the TPA you mentioned earlier, the service
[00:07:35] management. What is the difference between TPA and the traditional
[00:07:39] model? So that I can move on to other topics, because
[00:07:42] talking with you has taken us to an important and vital
[00:07:46] topic, but this is an important point. What is the difference
[00:07:49] between the traditional system and the TPA system
[00:07:52] that insurance companies follow?
[00:07:55] First, TPA is a third-party
[00:07:59] administrator, or it is the third party that manages
[00:08:03] health insurance, and it is a company
[00:08:06] independent of other or traditional insurance companies.
[00:08:09] It manages the insurance and acts as an intermediary
[00:08:12] between the insurance company and the insured, and the other
[00:08:16] party is the service provider, whether
[00:08:19] it is a doctor, hospital, or other.
[00:08:22] The difference between them and the traditional system was that
[00:08:26] before the existence of TPA, the insurance company itself
[00:08:29] was the one that set the policy
[00:08:33] and wrote it, and it was also the one that managed
[00:08:36] the coverage and claims, and so on. The existence
[00:08:40] of the other party
[00:08:42] isolates it from managing
[00:08:44] expenses
[00:08:47] and managing coverage. Therefore, the coverage is done
[00:08:52] Of course, as a TPA company, I am not concerned
[00:08:55] with the loss or profit of a specific
[00:08:58] policy. I am concerned with the coverage according
[00:09:01] to the agreement and medical protocols.
[00:09:04] Doctor, I will also go to a very important topic.
[00:09:08] How is the medical network or service providers
[00:09:12] selected? Some doctors are in insurance companies,
[00:09:15] and some are not. Is there a criterion
[00:09:17] based on, for example, the price of the examination,
[00:09:21] or is there a specific experience?
[00:09:23] How is it done? There is a difference, honestly,
[00:09:27] between one doctor and another in price. There are two criteria.
[00:09:32] or medical institution in their desire to join
[00:09:36] the medical network. This is one side. The other
[00:09:40] thing is a criterion for
[00:09:42] insurance companies or TPA companies. I mean, the geographical
[00:09:47] is important. So, I go and look at the medical network
[00:09:50] I have in a certain place, in a certain city,
[00:09:53] in a certain village. So, I seek to expand
[00:09:58] is... Because the institutions
[00:10:01] might be from several areas in the country.
[00:10:04] So, I might be forced to provide a medical
[00:10:08] network geographically and also specialized.
[00:10:10] I mean, I must have an orthopedic
[00:10:12] doctor, a gynecologist, a pediatrician,
[00:10:16] an ophthalmologist in general. And I also have hospitals, centers, and laboratories.
[00:10:20] So, the criterion is primarily a geographical
[00:10:23] and specialized criterion, so that we provide
[00:10:26] all specialties, especially the names. You know that
[00:10:29] there are some doctors that everyone agrees on.
[00:10:32] So, as a company, and I like to have a strong
[00:10:37] or this doctor, or this center, or this hospital
[00:10:41] On the other hand,
[00:10:44] the price criterion
[00:10:46] also plays a role. But in general,
[00:10:50] there is a contract between the company
[00:10:53] and the provider. And sometimes it is through associations,
[00:10:57] for example, or through syndicates. So, some insurance
[00:11:00] companies have signed agreements with the pharmacists' syndicate,
[00:11:04] with the doctors' syndicate,
[00:11:06] with the radiology syndicate, or individually.
[00:11:09] It also depends on the company and how, let's say,
[00:11:13] smart the company is in attracting offers
[00:11:16] to it. Who determines the prices of the service
[00:11:19] in the end? I mean, who determines the doctor's price,
[00:11:23] the examination price, and all these matters?
[00:11:27] I mean, some prices are determined by the syndicates.
[00:11:30] I mean, the doctors' syndicate has a pricing
[00:11:33] for examinations. I mean, I might have a policy,
[00:11:37] and you have a policy. You might be with the lawyers'
[00:11:40] syndicate, so the price might be different from mine as
[00:11:44] an ordinary person, because I am not with
[00:11:49] It's not like that. If you have Smart Health
[00:11:53] company, all Smart Health
[00:12:03] company insured have the same insurance card
[00:12:07] from Smart Health company. So, whether it is a lawyer,
[00:12:11] an engineer, or other, as long as they have the card,
[00:12:14] all prices are unified. But I, as a specific company, might have better
[00:12:18] prices than...
[00:12:27] Welcome, dear viewers, to this special coverage
[00:12:30] on Palestine TV, to keep up with the latest
[00:12:34] developments and field developments in various
[00:12:37] governorates of the homeland, in light of the escalating
[00:12:40] violations and attacks by settlers and the occupation
[00:12:42] army against various governorates through
[00:12:46] the campaign of incursions and raids it launches
[00:12:49] against various villages and towns, and what accompanies
[00:12:52] it of raiding homes,
[00:12:55] and also we are talking about tightening military
[00:12:58] procedures at the entrances and exits of all
[00:13:02] towns and villages of the governorates,
[00:13:06] within the policy of collective punishment pursued by the
[00:13:09] occupation against our people in various governorates
[00:13:12] of the homeland. More details with our
[00:13:17] in the field. And we start with Jenin
[00:13:21] and our correspondent Amina Bilal.
[00:13:25] Amina, welcome. So, the occupation forces
[00:13:29] opened live fire towards a vehicle near
[00:13:32] Haddad Tourist Village, east of Jenin city.
[00:13:36] And there is news of
[00:13:41] a martyr and an injured person. More details with you.
[00:13:44] Yes, after greeting
[00:13:47] dear viewers. Indeed, this event
[00:13:50] and this news are still ongoing at this
[00:13:54] moment near Haddad Tourist Village, where Haddad Tourist
[00:13:57] Camp or the Israeli
[00:14:01] which is still continuing its construction in
[00:14:05] the eastern region of Jenin Governorate. Half an hour
[00:14:08] ago, we received news of a martyr, who was
[00:14:11] shot by the Israeli occupation army while
[00:14:15] he was inside his vehicle with one
[00:14:19] of his friends. And thus, the Israeli
[00:14:23] occupation army officially announced the martyrdom of this young man,
[00:14:26] whose identity has not yet been confirmed. But a few
[00:14:30] moments ago, we confirmed with the Palestinian Liaison
[00:14:34] that the young man is critically injured,
[00:14:43] extremities of the body. And the injured person
[00:14:47] was arrested and transferred to a vehicle belonging
[00:14:50] to the Israeli occupation army towards the Jalamah
[00:14:54] military checkpoint located north of the governorate.
[00:14:56] So, he is injured and not a martyr
[00:15:00] until this moment. He is seriously injured,
[00:15:04] in addition to the fact that the young man who
[00:15:07] was with the injured person was arrested and was
[00:15:10] not injured, but he was severely beaten and abused
[00:15:14] and transferred to the Jalamah military checkpoint located
[00:15:17] north of the governorate. Until this moment,
[00:15:20] the injury is still serious.
[00:15:23] We also confirmed that
[00:15:25] the young man is from Jenin refugee camp.
[00:15:29] But the name of the young man
[00:15:32] is with us, but we cannot say
[00:15:36] the name until we confirm the name of the injured
[00:15:39] young man. Until this moment.
[00:15:42] So, the Israeli occupation army
[00:15:45] opened fire randomly towards a vehicle
[00:15:49] carrying two young men towards Haddad
[00:15:53] Tourist Village. And after this
[00:15:57] ambulance vehicles tried
[00:16:00] to reach the injured person inside the vehicle,
[00:16:03] but until this moment, the Israeli occupation
[00:16:06] army is still detaining the Palestinian Red Crescent
[00:16:10] crews who were heading towards the vehicle
[00:16:13] that the Israeli occupation opened fire on very
[00:16:17] heavily. And they are still detained until this
[00:16:21] moment. The Israeli occupation army began detaining
[00:16:25] citizens' vehicles and assaulting all citizens,
[00:16:28] especially those coming from the eastern villages.
[00:16:31] We are talking about Deir Abu Da'if village,
[00:16:34] Aba al-Sharqiya village, Jilbon village. The Israeli
[00:16:39] after this incident
[00:16:42] by deploying military checkpoints, assaulting
[00:16:46] citizens, and arresting citizens and severely
[00:16:49] beating them. A wide-ranging arrest campaign is being
[00:16:52] carried out at this moment by the Israeli
[00:16:55] occupation army against all citizens in that
[00:16:58] area, and detaining dozens of Palestinian
[00:17:02] vehicles coming from the eastern areas
[00:17:06] or returning from the city
[00:17:08] center of Jenin governorate
[00:17:12] The Israeli occupation is also setting up military checkpoints
[00:17:16] at this moment on the bypass road connecting the northern
[00:17:21] the city center, with calls
[00:17:23] for all settlers to leave the settlements,
[00:17:26] especially the settlements of Ganem and Kadim,
[00:17:31] returned to recently. To leave these settlements,
[00:17:38] half an hour ago near the Ganem and
[00:17:41] Kadim settlements. Therefore, at this
[00:17:44] moment, there is a massive deployment of settler
[00:17:47] gangs in that area, especially around
[00:17:51] Haddad Tourist Village, where the Israeli
[00:17:54] occupation army camp, which is still continuing
[00:17:57] its construction and establishment to secure
[00:18:01] protection for all settlers in Ganem and
[00:18:04] Kadim settlements. There is also a deployment
[00:18:07] of occupation forces that came out of Jenin
[00:18:10] camp in the city center. And a state of panic
[00:18:14] and terror that spread among citizens and residents,
[00:18:17] especially with citizens leaving their workplaces,
[00:18:21] as this area where we are located at this
[00:18:25] moment is the area of government departments
[00:18:28] and official institutions. Therefore, behind me,
[00:18:32] Jenin camp appears through the lens of Palestine
[00:18:35] TV, which is still closed for almost two and a half
[00:18:39] years with earth mounds and iron gates,
[00:18:43] and entry to the camp is prohibited. There are
[00:18:46] real movements of foot patrols around Jenin
[00:18:49] camp, especially behind the earth mounds.
[00:18:53] The Israeli occupation ambushes with foot
[00:18:55] patrols all citizens who try to approach
[00:18:59] these mounds. They open fire
[00:19:02] randomly at any citizen who tries
[00:19:05] to approach the entrances of the camp.
[00:19:09] Continuing the process of changing the demographic
[00:19:12] and geographical character of Jenin camp
[00:19:16] by opening new roads and creating new
[00:19:18] roads at the expense of the lands and properties
[00:19:22] of the displaced inside the camp, especially
[00:19:25] we are talking about 22,000 displaced
[00:19:29] persons who are still prevented from entering
[00:19:33] the camp for almost two and a half years. Returning to the incident
[00:19:41] where the Israeli occupation opened fire heavily
[00:19:45] and extensively on a vehicle carrying two young
[00:19:49] men. These young men reached the area
[00:19:53] of Haddad Tourist Village in the eastern
[00:19:56] side and the eastern part of Jenin
[00:19:59] Governorate. They were surprised that the Israeli army
[00:20:03] had set up military checkpoints and started
[00:20:06] firing heavily. The Israeli occupation
[00:20:10] army announced the assassination of one of the young men.
[00:20:13] But after confirmation from the Palestinian Liaison,
[00:20:16] it was confirmed that the young man is critically
[00:20:19] injured and is from Jenin refugee camp. Thank you,
[00:20:23] Amen Bilal, our correspondent from Jenin, for all these
[00:20:27] clarifications and details so far. And we will
[00:20:30] certainly stay with you during this coverage.
[00:20:34] But we move to Nablus, and the Governor of Nablus,
[00:20:37] Ghassan Daghlas, joins us via phone. Your Excellency,
[00:20:41] welcome. So, the occupation is tightening its military
[00:20:45] measures in various villages and towns of Nablus
[00:20:48] governorate, coinciding with daily incursions
[00:20:52] and raids, and also widespread arrests.
[00:20:55] What are the implications of the continued incursions
[00:20:59] into the governorate, its towns, and its camps? Yes, Nablus
[00:21:02] is experiencing,
[00:21:05] like the rest of the governorates, a very severe siege.
[00:21:08] All the checkpoints surrounding Nablus
[00:21:12] are tightening more and more, even
[00:21:16] the earthen mounds are working to close
[00:21:20] them in all areas. A tight siege. We in Nablus,
[00:21:23] with the Minister of Education, opened five schools today.
[00:21:26] But, I mean, after hearing the news that there are
[00:21:30] complete closures of the provincial association,
[00:21:34] we are now on the air on Voice of Palestine Radio
[00:21:39] to take more caution and vigilance
[00:21:44] hours, especially in the southern areas of the governorate
[00:21:46] and the northwestern areas of the governorate.
[00:21:50] Things are escalating greatly. There are clear
[00:21:53] calls from settlers. But we urge all popular and village protection
[00:21:57] committees
[00:22:01] protecting families and families, God forbid, from
[00:22:05] home invasions.
[00:22:15] Your Excellency, how do these
[00:22:18] incursions and arrests affect
[00:22:23] is the situation
[00:22:26] in the governorate? Continued,
[00:22:29] but there is concern that there will be much
[00:22:33] more severe reactions from the settlers every
[00:22:36] day. We have called upon all municipal
[00:22:40] to reflect on their role in the governorate,
[00:22:44] and the protection committees are very important
[00:22:47] in these difficult circumstances. The Nablus road is closed.
[00:22:51] Nablus is closed. All these roads are closed. This means
[00:22:55] transforming the entire governorate into a large
[00:22:58] prison. Our role as Palestinians is to stand together
[00:23:01] in these difficult circumstances and break the siege,
[00:23:04] God willing, no matter
[00:23:09] protecting our homes,
[00:23:13] especially in the areas close to the settlements.
[00:23:17] Thank you, Governor
[00:23:19] of Nablus, Ghassan Daghlas, for all these
[00:23:22] clarifications and details.
[00:23:25] the situation in the governorate in light
[00:23:29] of the occupation's attacks and repeated violations
[00:23:31] against Nablus governorate, as well as the rest
[00:23:35] of the governorates of the homeland. So, dear viewers,
[00:23:38] it is a new aggression carried out by the occupation
[00:23:41] forces and settler gangs against the governorates
[00:23:45] of the West Bank, taking advantage of
[00:23:48] the Jewish holidays. How these attacks
[00:23:51] and violations in various governorates, from
[00:23:54] north to south, and also the tightening
[00:23:58] of military measures at all entrances
[00:24:00] and exits of towns, villages, and cities
[00:24:04] of the governorates in the West Bank, within the policy
[00:24:07] of collective punishment pursued by the occupation
[00:24:11] against our people in all governorates.
[00:24:14] It is a retaliatory policy
[00:24:17] that continues to this day, pursued by the occupation
[00:24:21] for a long time
[00:24:23] retaliation against our people.
[00:24:27] Also, all these attacks
[00:24:31] and violations coincide with the continuous occupation
[00:24:34] aggression against our people in the Gaza
[00:24:37] Strip, where the occupation continues its violations
[00:24:41] of the ceasefire agreement on a daily basis.
[00:24:44] Martyrs and wounded in various areas
[00:24:47] of the Strip. Also, dear viewers,
[00:24:50] we would like to mention that a short while ago,
[00:24:54] the Israeli occupation prime minister, Benjamin Netanyahu,
[00:24:58] ordered the reinforcement