Google Cloud Speech-to-Text API (Chirp) + Gemini 2.5 Flash Non-Thinking. Treat it as a searchable index of what was broadcast, not a quotation record.
00:00:00in their terrorist
00:00:03murders, while they are settlers or what is
00:00:11Doctor, we will continue with you regarding is no called shepherds or hill youth, all of whom embodied a single system
00:00:14the contraction. Competition and militias, at the hands of Ben Gvir, who wanted to kill everything
00:00:17that is Palestinian. Now, al-Mughayyir has been under siege for hours,
00:00:20arresting dozens of young people. And
00:00:24silence from organizations that claim
00:00:28democracy and human rights. Not only for al-Mughayyir, what is happening
00:00:31in Burqa and the assault on the mosque
00:00:35yesterday in everything
00:00:38means his whole issue is that he tries to stand firm and live on his land,
00:00:42of insurance from but this usurper wants
00:00:43Thank you very much for to displace all our people. What is happening in Mu'allim and what is happening in
00:00:47Al-Aqsa on the third Jerusalem, which daily
00:00:50an understanding to cover this there is targeting of it and practicing Talmudic
00:00:54rituals
00:00:56or is it in it. There are calls, voices from the world,
00:01:00Jerusalem, the city of religions, there
00:01:03must be protection for this holy city, and not
00:01:07a show for Netanyahu and his wife to enter the Holy
00:01:10of Holies, and they call it the point that no one can reach
00:01:14except them. This is a violation, I
00:01:17will not say of international humanitarian law, because the Palestinian no longer
00:01:21believes in any international law, and what is the humanity of this
00:01:25world? We always thank the support
00:01:27and those who stood by us and recognized us, who
00:01:30paid the price as a result of their positions.
00:01:33But also political positions are very important, but
00:01:37the position that our people need
00:01:39risk or this danger or this at this moment is to stop institution, then this the killing, stop the injustice, stop this genocide in all
00:01:43governorates. The issue is not only Gaza, which
00:01:46health insurance or not. In has been annihilated. The issue health, he does is the West Bank,
00:01:49who want to annihilate all its people in the camps, in
00:01:53but here a question the villages and everywhere. And what they practice of thuggery
00:01:57are medical insurance towering village that is exposed to this by the settlers, who are driven by this entity.
00:02:01There will be violence and there will be
00:02:04a war that will destroy Netanyahu and his ilk in
00:02:08these elections, where always the Palestinian people are the ones who pay
00:02:12is approximately how many in the price. We also
00:02:13The price is directly proportional have, during these two days, with all relevant authorities,
00:02:17meetings regarding the olive harvest season. The olive harvest season in
00:02:21let's say, because it's a commodity Palestine is always a bloody season, but this year
00:02:25policyholders in it is completely different from all previous years due to the
00:02:27thuggery committed by these
00:02:30allow me through this usurpers. Now also there will be tightening, and the
00:02:34Smart Health, and we have many biggest tightening has started due to what happened in the north of the West Bank,
00:02:37Ramallah Governorate. Now, and this is, they are now taking
00:02:41it as an excuse and justification for more
00:02:43this is due to insurance for this killing, and they don't need any excuses. They always commit
00:02:47killings, thuggery, and transgressions against the whole world, meaning they
00:02:51be aware of these matters in transgress against the whole world, not
00:02:53This only against the Palestinian. The unarmed Palestinian is the one
00:02:57further emphasize this who stands firm against this system supported by the greater occupation. America, which
00:03:01is negotiating all over the world, but there are
00:03:04countries that possess oil and nuclear
00:03:08weapons, and it is at war with this entity and with
00:03:12health insurance, at least its supporter, and the Palestinian stands firm with his
00:03:15years, has there been an expansion in this unarmed body, standing firm on his land because he has a right, meaning
00:03:19the occupation will disappear, and we will remain, God willing, on our land. Once again,
00:03:23we bow in respect to the people of al-Mughayyir and to the people of every village
00:03:26and Palestinian camp, determined to remain in
00:03:29their homes despite all this thuggery, seizure of
00:03:34we have reached the end of this homes, killing, assault on women and children, because
00:03:36we believe that this is our right, and the one who has the right is always
00:03:39the strong one,
00:03:42insurance premiums in and the occupier is the weak one, and he will leave, God willing. Also, Doctor, in light of what
00:03:46is happening in the village of al-Mughayyir and in Ramallah and Al-Bireh governorates
00:03:50and all governorates of the homeland, in your opinion, where
00:03:53is the scene heading in
00:03:55A decline. the West Bank in the coming days? They are directing the scene until. Our
00:04:05وحتى غير الفردي الكثير من
00:04:21people, but God willing, they are the ones who will end, and we are the ones who
00:04:24will remain on this land.
00:04:27Dr. Laila Ghanem, member of the Central
00:04:31Committee of the Fatah movement and governor of Ramallah and Al-Bireh governorate. Thank you for being
00:04:34with us via phone, and you told us about the situation
00:04:38in Ramallah and Al-Bireh governorate.
00:04:41And we remain on this topic. We are joined by
00:04:44Jaafar Hamayel, Secretary of
00:04:47there is a contract. This the Fatah movement, Ramallah and Al-Bireh region. Mr. Jaafar,
00:04:50welcome. So, in light of these continuous closures
00:04:53of all entrances and exits of Ramallah
00:04:56governorate, in your opinion, does the widening scope of closures
00:05:01but do not and incursions indicate a change in the nature of military procedures in Ramallah
00:05:05and in the West Bank in general? Good evening to you and
00:05:08all brothers and sisters,
00:05:11the viewer. My dear sister, what Ramallah
00:05:15governorate is exposed to
00:05:20different from what the other governorates of
00:05:23the homeland are exposed to, but at a higher rate in Ramallah
00:05:26governorate. These closures are daily,
00:05:30these checkpoints and gates are closed
00:05:33daily, but today we were surprised by a complete closure
00:05:36of Ramallah governorate, cutting
00:05:40off the governorate or the city from the
00:05:43villages, so much so that there are thousands
00:05:45of people stranded in the city who cannot
00:05:49leave the city and return to
00:05:53their homes, in addition to thousands of others
00:05:56outside the governorate who want to return to it. We
00:05:59are talking about a humanitarian problem,
00:06:02we are talking about an issue that will be paid
00:06:06by tens of thousands of people from this governorate,
00:06:08and under the pretext and pretext
00:06:11that is always present with the occupation system, from the occupation
00:06:15army to its political government. We
00:06:18are exposed to this attack continuously,
00:06:22and the goal of it is to empty this land of its original inhabitants,
00:06:26to empty this land of its people, and
00:06:29to leave it
00:06:32empty for a group of
00:06:35settlers and people
00:06:38who are supported and religiously fanatic, who claim
00:06:41that they are the owners of this land, but this land has
00:06:45its steadfast owners,
00:06:47they are
00:06:49ready to pay the price, ready to pay
00:06:52their lives, ready to pay their blood,
00:06:56ready to pay their freedom for the sake of their remaining on this
00:06:59land. The goal is to displace us, and our message is clear:
00:07:03we will not be displaced. And the village of al-Mughayyir
00:07:06is the steadfast, resilient,
00:07:09approach daily, for months,
00:07:12and for months, the process of entering and exiting
00:07:16al-Mughayyir has become a difficult process for the people of al-Mughayyir,
00:07:19even for its visitors.
00:07:22They try to cut off this village from the outside world, they oppress
00:07:26the people of this country with all their might
00:07:29by seizing their livelihoods, confiscating their lands,
00:07:33by killing, by arresting, but as a model
00:07:36it will remain a symbol of steadfastness
00:07:40and challenge. Therefore,
00:07:43platform to express
00:07:46my respect and appreciation and pride
00:07:50in the village of Al-Mughayyir as a country,
00:07:53and as a people, all
00:07:56its families and factions, and we say, you taught us
00:08:00a great lesson, people of Al-Mughayyir, we must all
00:08:03celebrate it. steadfastness must
00:08:07be reflected in our other villages and our other camps. We
00:08:10must all cling to our land. These closures and
00:08:13pressures will not affect us. We will remain on this land, we will not
00:08:17give Netanyahu or Ben
00:08:20Gvir their goal. We will not leave
00:08:23our land, we will not leave our homeland.
00:08:25They are steadfast.
00:08:28Let them do what they do, they are the intruders, and we are the permanent residents. They
00:08:32are the ones who will leave, and we will remain, God willing. Jaafar
00:08:35Hamayel, Secretary of the Fatah movement, Ramallah and Al-Bireh region, you were with us
00:08:39via phone. Thank you for all
00:10:18Welcome, dear viewers. Private medical insurance
00:10:21is a sector directly related to the health of the citizen
00:10:24and their ability to face treatment costs.
00:10:27However, it also faces challenges
00:10:30related to the high cost of healthcare services, policy prices,
00:10:34coverage limits, and medical approvals. How does
00:10:38the private medical insurance market work in Palestine, and what
00:10:41should citizens know before choosing an insurance
00:10:44policy, and where does the role of health insurance
00:10:47management companies, or what is known as TPA, fit into this
00:10:51system? We talk about the reality of the medical
00:10:55insurance sector and the challenges. We host Dr. Ammar Al-Bisharat, Director of Smart Health
00:10:59for Health Insurance Services and Management.
00:11:11first, tell us in general about
00:11:14indicators of the reality of the medical insurance sector in
00:11:18Palestine. How do you read the reality of this sector? May God
00:11:22grant you health. Of course, initially, the
00:11:25insurance sector in general, before
00:11:28we talk about the medical insurance sector, the insurance sector in general is one
00:11:32of the pillars of the Palestinian economy. When we talk
00:11:35about approximately general insurance
00:11:38premiums as a whole, they were in
00:11:422025 approximately
00:11:44430 million dollars.
00:11:48The share of medical insurance or health insurance
00:11:51from these premiums, I am talking about approximately 43
00:11:57million dollars. So, it is a vital
00:12:01and essential sector in the Palestinian economy.
00:12:04We talk about the medical insurance sector.
00:12:08It is one of the pillars
00:12:11in general,
00:12:14and it is considered number two after the dominance of the
00:12:18car insurance sector, which basically
00:12:21exceeds 65% of the total
00:12:25insurance. The medical insurance sector ranges between
00:12:2810 and 13% of the total insurance in
00:12:32Palestine. The number of insured people
00:12:37total? Frankly, there are no
00:12:40clear and explicit figures, but in
00:12:43general, it ranges between 160,000 to 170,000
00:12:47private insurance
00:12:50the West Bank and Gaza Strip. Well, Doctor,
00:12:53of course, when we talk about the medical sector, you are from
00:12:59companies working in this field as well in this
00:13:03medical sector. True.
00:13:05There is a topic or concept of health
00:13:08insurance that falls within the scope of all
00:13:12insurance companies' work in Palestine, without mentioning names,
00:13:16all of them, so that general
00:13:19insurance and car insurance are taken, in addition
00:13:22to health insurance. So,
00:13:33Doctor, does this insurance, the medical sector, or medical insurance,
00:13:36expand, meaning over the past
00:13:40sector in medical insurance, or
00:13:43is the expansion limited or restricted or
00:13:46stable? In general, it is
00:13:50expanding, but let me say that
00:13:52the expansion is slow.
00:13:59For example, in 2023,
00:14:02the total premiums were 38 million. Medical
00:14:072024
00:14:11or in 2022 were 38 million. In 2023,
00:14:14it was 42. In 2024, it dropped
00:14:18to 38.
00:14:20In 2025, it rose to 43 million.
00:14:25Therefore, it is expanding, but in a
00:14:28fluctuating manner. What are the reasons for this difference? Is
00:14:31it the Gaza Strip? Is it the economic conditions, because there was a decline
00:14:35and then a recovery again? There is no doubt that the
00:14:38living and economic conditions in
00:14:42Palestine play a major role, starting with
00:14:46the economic situation of the individual and the economic
00:14:48situation of institutions, because the majority of those insured with
00:14:52health insurance are affiliated with
00:14:58universities, like some other
00:15:02institutions, where some of them, due to financial and economic conditions, reduced
00:15:05health insurance for several considerations.
00:15:09That is, primarily,
00:15:12the political and economic conditions.
00:15:16Doctor, are there challenges facing this sector currently, besides economic
00:15:19matters? Of course, the challenges are great, like
00:15:23all sectors, but
00:15:25in the medical insurance sector, there are challenges that are, let's say,
00:15:28on a large scale. Among them, we can
00:15:32mention, for example, the high
00:15:35cost of medical procedures.
00:15:38True. From procedures, from
00:15:41operations, from tests, from medications
00:15:44even. This is one. Two,
00:15:48competition also plays a role in
00:15:51even in the medical
00:15:54and health sectors. Another challenge
00:15:58might be the
00:16:00lack of understanding by the citizen himself of
00:16:04the nature and type of health insurance. And it's true,
00:16:16the insured citizen. So this is part of the challenges
00:16:19that we can observe in the sector. We will discuss these axes in depth
00:16:23shortly, but also, Doctor, I want to ask about
00:16:27medical insurance. Frankly, has it become a basic
00:16:31need
00:16:33still an additional service from citizens, not only in medical
00:16:37insurance, but frankly, even in government insurance?
00:16:40Some people, for example, cancel
00:16:44their insurance or do not pay for years, then when they need it,
00:16:47they remember that they must have medical insurance and are forced to
00:16:51pay for previous matters in order to benefit from these services.
00:16:54So, I am talking about the culture.
00:16:57Why is the culture not yet widely present, not only in private
00:17:00medical insurance, but even there are problems
00:17:03in those who want insurance in the government sector?
00:17:07Some people. see it as a necessity. Some people only see
00:17:10it as a necessity when they need it.
00:17:14Indeed, brother Emad, the idea is as follows:
00:17:17when a citizen is in good
00:17:20not pay attention to whether he has
00:17:24critical situations, when he needs
00:17:28health insurance,
00:17:30he is shocked by the high cost of some procedures he needs
00:17:34to undergo, such as an operation, a test, etc. He remembers
00:17:38that he does not. Therefore, there should
00:17:41be awareness among citizens of the necessity of
00:17:43health insurance, not only for immediate
00:17:46use, but also as a pillar
00:17:49for something that, God forbid, might
00:17:53happen, similar to the principle of car
00:17:56insurance, where I insure my car obligatorily,
00:17:59in case
00:18:03a certain accident happens to me.
00:18:06Therefore, the necessity of having
00:18:10car insurance is essential, and for this
00:18:13reason, there must be awareness among citizens
00:18:15of the necessity and obligation of health
00:18:18insurance, not necessarily private health insurance,
00:18:22but private government health insurance,
00:18:26UNRWA, etc. Every citizen must have
00:18:29health insurance. Now, are you in favor of amending
00:18:32the laws that
00:18:34matter? These matters were discussed in the
00:18:38correct vision. There were several meetings, even with
00:18:42several officials from institutions and associations
00:18:46calling for the necessity of
00:18:49after a certain age, for example.
00:18:53Correct, due to the presence of chronic diseases and
00:18:56let's say the increase in risk factors, which is
00:18:58the increase in the probability of needing
00:19:02health insurance. Therefore, after a certain age, there must
00:19:05be health insurance.
00:19:09Even the existence of health insurance reduces the cost to the state and
00:19:12health insurance. Its continuous existence and not intermittent existence
00:19:16leads to the fact that I can simply
00:19:20go check, I can go reassure myself about my health, I can go
00:19:23and so on. Therefore, its existence is a mandatory necessity. It must
00:19:27be mandatory and its mandatory nature
00:20:15We continue with you, dear viewers, in "Economy Talk" and we talk in this episode
00:20:19about private medical insurance,
00:20:23its importance, and perhaps the most
00:20:26important problems it faces,
00:20:29the insured, and other
00:20:32topics. We will also learn about health insurance
00:20:35management mechanisms. We continue with you, Dr. Ammar. You mentioned
00:20:39earlier a very important point, which is
00:20:41the call for every citizen to have
00:20:44any type of insurance, not private, government, UNRWA, any
00:20:48thing. But in the end, we must
00:20:50indeed have health insurance because, God forbid, serious things happen, and we,
00:20:54as a society, indeed, when things become serious, we remember that we must
00:20:57have insurance.
00:21:01private insurance. To
00:21:05what extent do you feel that private medical insurance
00:21:08constitutes a burden for insurance companies, frankly?
00:21:11Because I always hear from managers
00:21:14that medical insurance causes us losses, but
00:21:18we must work with it. This is a fact
00:21:21and not rumors. Let's say that
00:21:25health insurance or medical insurance with
00:21:28insurance companies is a type
00:21:32the losing type
00:21:33of insurance
00:21:37for companies. And the reason for this is that
00:21:40the premiums that are taken for health
00:21:43insurance are not commensurate with the compensations.
00:21:47Therefore, there are always more compensations
00:21:50than premiums in the field of health insurance.
00:21:54Uh-huh. More compensations than premiums. Of course. Therefore,
00:21:57companies prefer to deal with institutions
00:22:01with a complete package for this reason to reduce the risks somewhat.
00:22:05Correct. The larger the number, the less the risk
00:22:08or danger. Therefore,
00:22:12the existence of compensation for a certain
00:22:15procedure
00:22:18by hundreds or thousands, for example, in the case
00:22:22of hundreds of insured people with this
00:22:29compensation is distributed among the premiums
00:22:32that were collected from the
00:22:36rest of the subscribers or insured. Doctor, also
00:22:39we will discuss and delve into the topic of insurance policies,
00:22:43comes to mind:
00:22:47policies expensive in private medical insurance,
00:22:51or do they range from where to where in price?
00:22:55For example, let's not say that the price is
00:22:58high or low or
00:23:00expensive. to the
00:23:04coverage, meaning the insured
00:23:07buy,
00:23:11in the end, it's a commodity that is sold, an insurance commodity that is sold. They buy
00:23:14coverage. Correct. This coverage,
00:23:18or this policy, or this agreement, contains
00:23:22clauses. These clauses
00:23:25are intended to arrange medical
00:23:28approvals, meaning this disease is covered, this disease is not covered,
00:23:33individual or this institution. Therefore, the insured
00:23:37must
00:23:41the policy. And then,
00:23:44he chooses what I want from policies.
00:23:48But as a price criterion, it is not necessarily the only factor
00:23:52that makes this policy better than others. Rather, what do I need?
00:23:55100%. Meaning, the age of the insured
00:23:59also plays a role. For example, a young
00:24:02insured person or a young
00:24:05person does not need coverage for chronic diseases,
00:24:08for example, or so on. However, an elderly person
00:24:11needs to have a policy that includes chronic diseases and
00:24:15coverage for chronic diseases for some chronic conditions.
00:24:18Therefore, here, the comparison can be
00:24:22that if he takes fewer chronic diseases, there are no chronic diseases,
00:24:25the cost will be lower. If he takes diseases with chronic diseases, the cost will be
00:24:29higher. Therefore, age and gender also play a role in
00:24:32choosing the policy. Doctor, chronic diseases are, frankly,
00:24:36perhaps the most problematic issues. Meaning,
00:24:40a person, for example, has chronic diseases. He must
00:24:43tell the insurance company that he has these diseases so that
00:24:47the insurance company can discuss with him and verify, and then advise him on the insurance
00:24:51policy, because some people conceal some matters and then tell the insurance
00:24:54company that they have some diseases or discovered them recently, for example.
00:24:58100%. This is something essential and very necessary.
00:25:02Disclosure in the application for membership and the application for insurance is
00:25:05a necessity, not an option. Meaning,
00:25:08as soon as you concealed that you have no chronic diseases, for example,
00:25:11this necessitates not covering them later in the policy.
00:25:15Therefore, the injured party is not the insurance company essentially.
00:25:18The injured party is the insured.
00:25:30What people think is that I hide it and then I put them
00:25:33in a fait accompli. In other words,
00:25:37contract says that you do not have chronic diseases, so I will not cover your chronic
00:25:41diseases. Also, on the same point, Doctor, perhaps some of the things
00:25:44we hear are insurance for pregnant women.
00:25:48Many people, for example, insure
00:25:51tell the insurance company that their wife is pregnant. So, when she goes
00:25:55to the hospital to get
00:25:58insurance or an insurance service, she is surprised
00:26:01that the insurance does not want to cover. Now, what
00:26:04is it, my friend Iyad? The idea
00:26:08in all insurance is
00:26:10to buy risk,
00:26:14the uncertain risk, 100%. Meaning,
00:26:17when I know that I am going to insure a
00:26:20pregnant woman, I must know the cost of pregnancy and childbirth
00:26:24clearly and explicitly beforehand. So, naturally,
00:26:27I will not insure for
00:26:30a cost, for example, for
00:26:33one shekel, when I know that for childbirth and pregnancy,
00:26:36I will need to spend 5000 shekels, for instance. Therefore,
00:26:40it is obligatory to disclose the existence of pregnancy
00:26:43or the non-existence of pregnancy so that there
00:26:46is an
00:26:50agreement or
00:26:53pregnancy and therefore cover it in the policy, of course.
00:26:56Therefore, even the price in these cases is higher.
00:27:00Yes, you mentioned a point earlier.