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Contact Slama Assurances, Immobilier & Finances Adresse: ​ 41 Rue King Georges (5ème étage sur votre droite) 91600 Jerusalem, Israel המלך ג'ורג' 41 - ירושלים ​ E-mail : Slama@sl-as.com ​ WhatsApp: (Envoi de documents uniquement): 058-680-4095 ​ Tél : 026256014 / Fax : 02-6250953 ​ Horaires d'ouverture: ​ Dimanche à Jeudi 8:30 - 16:30 Sur rendez-vous uniquement

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Our know - how, Your well - being Explain how the Mashkenta insurance in Israel the ë If you have taken out a mortgage, the bank will also ask you to take out mortgage loan insurance . Below are the main points you should know about this type of insurance. Mortgage insurance has two compulsory components and a third optional: The first is life insurance , which aims to cover the amount of the loan you have taken out with the bank in the event of death, whether yours or that of your spouse (and that it becomes impossible to continue to paying mortgage payments), each covered separately for 100% of the amount borrowed. In addition to this, you will need to know more about it. The second is the insurance of the walls of the apartment , which is intended to cover the loan that you have taken out from the bank in the event that the apartment suffers heavy damage, which will lead to a significant reduction in the value of the property. apartment and would actually make it worthless for the bank (earthquakes, storms, fire, water damage ..). In addition to this, you will need to know more about it. The insurance you choose can also include insurance for the contents of your apartment , i.e. items and furniture in your apartment, but the bank itself does not require this in the contract, since the value of the contents of your apartment is unrelated to the mortgage. In addition to this, you will need to know more about it. These policies are primarily intended to serve the lending bank and ensure that you can pay the mortgage repayments, but also to serve you, as they also assure you that in case of hardship, the insurance company will assist you. DEVIS PERSONNALISÉ

Our know - how, Your well - being Explain how life insurance in Israel the ë Life insurance in Israel is the equivalent of death insurance in France . Under this policy, the insured deposits a monthly premium, which entitles his heirs to financial compensation. The peculiarity of death insurance is that the policy guarantees compensation to the beneficiaries, and not to the insured directly as in other insurance contracts. This is essential insurance for anyone who cares about the well-being of their beneficiaries, even if at the same time it remains quite basic. Indeed, as long as the insured does not add extensions such as the loss of working capacity or a savings component to his policy, he will not be able to receive funds, during his lifetime, during or at the end of the period. insurance. Les options pour l'assurance- décès Options for death insurance Death insurance can be taken out under two formulas: What is called "Pure death insurance" and "Death insurance with a savings component". Pure death insurance will result in the payment of indemnities to the beneficiaries in the event of the death of the insured, but no additional indemnity will be paid in other cases. On the other hand, a death insurance with a savings component combines the possibility of receiving an indemnity in the event of the death of the insured during the insurance period with the financial savings which will be transferred to the insured or his heirs after retirement. . Beyond that, a component of loss of working capacity can be added to the policy. In this case, the insured is covered for cases where his ability to earn income is unexpectedly impaired due to illness, accident or serious injury. In addition to this, you will need to know more about it. What is important to check before purchasing a risk insurance policy? There are many points to consider when choosing a risk insurance policy. For example, it is possible to take out a death insurance policy for a non-modifiable reimbursement period. In this case, if the insured dies during the insurance period, the indemnity will not be paid at the time of death, but only at the end of the insurance period. Another important point concerns the method of payment of the annuity: You can choose to receive the entire amount in a single payment or monthly installments. To find out more, please do not hesitate to contact us today. In addition to this, you will need to know more about it. Your future and that of your family does not wait! Qu'est-ce qu'il est important de vérifier avant de souscrire une police d'assurance contre les risques? De nombreux points sont à prendre en compte lors du choix d'une police d'assurance contre les risques. Par exemple, il est possible de souscrire une police d'assurance-décès pour une période de remboursement non modifiable. Dans ce cas, si l'assuré décède pendant la période d'assurance, l'indemnité ne sera pas versée au moment du décès, mais seulement à la fin de la période d'assurance. Un autre point important concerne le mode de paiement de la rente: L'on peut choisir de recevoir la totalité du montant en un seul versement ou bien mensualités. Pour en savoir plus, n'hésitez pas à nous contacter dès aujourd'hui. ​ Votre avenir et celui de votre famille n'attend pas ! DEVIS PERSONNALISÉ

Our know - how, Your well - being Explain how insurance Sant é ë in Israel the Private health insurance provides you with the solutions you need to face difficult situations such as serious illness, certain delicate interventions or even obtaining drugs that are not covered in the Koupot H basket. 'olim (sickness funds) . The basket of services provided to you by the Koupot H'olim, within the framework of the national law on health insurance, is mainly intended to cover the costs of treatment of common illnesses and gives the insured a feeling of security. and peace of mind. However, this feeling is wrong and even dangerous in many medical situations where basic services do not provide real solutions. In addition to this, you will need to know more about it. The Israelis are themselves aware of the shortcomings of the health system, and even make parodies of them in their television series. Below is a subtitled extract: Exemples de cas médicaux dans lesquels les services des Koupot H'olim sont insuffisants: Examples of medical cases in which the services of the Koupot H'olim are insufficient: Organ transplants - Israel is a small country and awareness of organ donation is low. As a result, a citizen in need of an organ transplant may wait a long time to find a suitable organ in Israel, to the point of endangering his life. Health organizations can fund organ transplants abroad, but the patient must be in a life-threatening situation and medical service is not available in Israel. These two cumulative criteria mean that only a few patients will receive an organ transplant abroad. Surgery and special treatment abroad - Sometimes a patient has to resort to medical treatment which cannot be received in Israel or which is preferable to receive abroad. For example, abroad may have a new method of treatment or new medical equipment for the treatment of the patient's illness, methods or instruments that do not exist in Israel. or which have not yet been tried in Israel. In such cases, the Koupot H'olim can refuse the patient treatment abroad, unless two conditions are met: The first, that the disease is potentially fatal, the second, that this type of treatment is not not available on Israeli soil. In other words, very few patients can expect to receive this type of care as part of their Koupot H'olim. In addition, the financial cost for treatment abroad is several tens of thousands of dollars. Specific drugs - A large number of drugs allowing to save or prolong the life of the patient are not or no longer part of the basket of care of the Koupot H'olim (that is to say that the State does not take its charges the patient), drugs that most often cost tens of thousands of shekels per month. This is the case for example drugs against cancer of the spinal cord, blood, leukemia, serious infections etc. Performing an operation in Israel - When a person chooses the best surgeon for a surgical operation, they have to look to the private system (hospitals such as Assuta, Herzliya Medical Center, NARA Medical Center, etc.) and the costs are very high. The use of the private system makes it possible to cover these costs, and considerably reduces the waiting period for a surgical intervention as well as the suffering of the patient. In addition, private insurance also covers treatments that replace operations, and which have the advantage of preventing long-term sequelae, such as certain injections and wave propagation that replace operations on the back, knee or of the shoulder . This type of care is not covered by Koupat H'olim. More than that, the doctors of Koupot H'olim do not have the right to recommend this type of intervention to their patients. Outpatient services (Excluding hospitalization) - Sometimes a patient has to resort to so-called "outpatient" services, which are long or sometimes even unavailable for the Koupot H'olim. Thus, the various imaging tests (scanners, MRI, CT) can be delivered in private, and this, much more quickly than in the public system. In addition, an expanded pregnancy care basket is included (reimbursement for genetic tests, storage of umbilical cord blood, prenatal training, postnatal hotel and assistance from a private breastfeeding consultant), which makes it possible to obtain a additional security in this delicate period which requires the best care. Outpatient services also include reimbursement for visits to specialist private physicians, as well as reimbursement for physiotherapy care. In addition to this, you need to know more about it. Slama insurance firm offers unique solutions to policyholders who wish to develop special policies tailored to their specific needs. Thus, three levels of cover are available to you: Basic package "Must-Have": Medicines outside the health basket + Treatments abroad (transplants, operations and surrogates). This basic package varies according to age and costs between 25 and 140 Shekels / Month. In addition to this, you need to know more about it. Basic "Should-Have" Package: Operations and surrogates in Israel + Disability Insurance + Basic Package Coverage. The price of this Package varies according to the sums insured and the age. In addition to this, you will need to know more about it. Complete package "Nice To Have": Two above-mentioned packages + Alternative medicine + Treatment and follow-up of childhood development + Screening and intensive follow-up of patients. The price of this Package also varies according to the sums insured and the age. In addition to this, you need to know more about it. Other existing insurance in Israel in the field of health: In addition to this, you will need to know more about it. Disability Insurance (ביטוח סיעודי) - In the event of disability, the state places major responsibility for the care of family members. This is because non-medical care for a disabled patient is not part of the services provided by health organizations under the national law on health insurance. Thus, after examining the patient's state of health, the Ministry of Health (משרד הבריאות), the Ministry of Social Affairs (משרד הרווחה), the National Social Security Institute (מוסד הביטוח לאומי) and the sickness funds (קופות חולים), provide partial assistance only, and those who desire additional services must pay for them themselves. The disability insurance offered by the Slama firm guarantees full compensation in these types of situations, allows the insured to maintain his independence and not depend on members of his family or his acquaintances. In addition to this, you will need to know more about it. Critical Illness Insurance (ביטוח מחלות קשות) - Insurance "serious illness" About ed by Slama firm provides financial compensation to cover family expenses, ensure the standard of living and, of course, choose the best medical treatment in in the event that the insured suffers from one of these diseases (non-exhaustive list): Cancer, acute heart attack, paralysis, Parkinson's, severe burns, stroke (...). In addition to this, you will need to know more about it. In addition to this, you will need to know more about it. Do not hesitate ! Slama insurances are at your disposal to give you the best conditions and prices on the market Israeli Autres assurances existantes en Israël dans le domaine de la santé: Assurance invalidité (ביטוח סיעודי) - Dans les cas d'invalidité, l'État fait porter la responsabilité majeure des soins aux membres de la famille. Cela s'explique par le fait que les soins non-médicaux dispensés à un patient invalide ne font pas partie des services fournis par les organismes de santé dans le cadre de la loi nationale sur l'assurance maladie. Ainsi, après avoir examiné l’état de santé du patient, le ministère de la Santé (משרד הבריאות), le ministère des Affaires sociales (משרד הרווחה), l’Institut national de sécurité sociale (מוסד הביטוח לאומי) et les caisses de maladie (קופות חולים), fournissent une assistance partielle uniquement, et ceux qui sont désirent des services supplémentaires doivent les payer par eux-mêmes. L’assurance invalidité proposée par le cabinet Slama garantit une indemnisation complète dans ces types de situations, permet à l’assuré de conserver son indépendance et de ne pas dépendre des membres de sa famille ou de ses connaissances. Assurances maladies graves (ביטוח מחלות קשות) - L'assurance "maladies graves" proposée par le cabinet Slama prévoit une indemnisation financière pour couvrir les dépenses de la famille, assurer le niveau de vie et, bien entendu, choisir le meilleur traitement médical dans le cas où l'assuré souffrirait de l'une de ces maladies (liste non-exhaustive): Cancer, crise cardiaque aiguë, paralysie, Parkinson, brûlures graves, AVC (...). N'hésitez plus ! Les assurances Slama sont à votre disposition pour vous donner les meilleures conditions et tarifs sur le marché israélien DEVIS PERSONNALISÉ

Our know - how, Your well - being Real estate sales - מכירת דירות Choose the city JERUSALEM NETANYA

Our know - how, Your well - being Explain how the Professional Insurance (Company) ë in Israel the Most companies can have great difficulty getting back on their feet after serious damage, such as fire damage, water damage or even burglary damage. Also, it is recommended to take out professional-business insurance even before the opening of his business. The options are varied and it is very important to get the appropriate advice, not to compare prices it markets before such insurance. Below, the detail of the complete professional-business insurance package that the firm Slama can offer you: Our insurance offers allow everyone to insure their specific needs such as: Company Wall Insurance - Protects against structural damage caused by natural disasters such as fire, flood, snow, storm, earthquake etc. In addition to this, you will need to know more about it. Contents Insurance - covers break-ins and disaster damage. It includes several categories, the main ones being tools and equipment, merchandise, furniture etc. In addition to this, you will need to know more about it. Mechanical breakdown of machinery and equipment - covers damage that may be caused during operation (in the event of loss or physical damage). In addition to this, you will need to know more about it. Electronic and Computer Equipment - covers various damages, including damage caused by burglary (for a variety of devices). In addition to this, you will need to know more about it. Civil liability - insurance covering material damage and bodily injury caused to third parties. In addition to this, you will need to know more about it. Employer's Liability - insurance that protects the employer from claims of its employees relating to accident or illness caused by or in the course of their work, resulting from negligence which caused them physical, mental or personal injury. death. In addition to this, you need to know more about it. Earthquake and natural damage - including damage caused by storms, floods, hail or snow. In addition to this, you will need to know more about it. Operating loss - covers lost profits or losses suffered by the business during the rehabilitation period, most often after a fire. In addition to this, you will need to know more about it. Liability Products - covers claims for personal injury or property damage to third parties due to the use of a defective or damaged product that the company has manufactured, marketed, assembled, processed, etc. In addition to this, you need to know more about it. Employer / employee contributions - Compulsory for about ten years , these contributions oblige both parties to contribute for the retirement, death or inability to work of employees (following an illness or an accident). The contributions at stake are significant, as they are almost 20% of gross wages (around one third by the employee and two third by the employer). The covers are obviously adaptable according to the age and the family situation of the employee. DEVIS PERSONNALISÉ

New mortgage regulations - Overview of the current market situation Recently, new guidelines from the Bank of Israel have been published in various media, some of which have been approved and will come into effect on January 17, 2021, for new mortgage borrowers and for renegotiations of loans already underway from January 17, 2021. February 28, 2021 . The new directives make it possible to increase the component of the “Prime” up to 2/3 of the total loan against 1/3 so far. The media coverage was created because of the low level of interest rates, which have been around 1.6% for a long time. But is it really safe to take more “Prime”? In addition to this, you will need to know more about it. The more we choose the “Prime” rate instead of a fixed interest rate, the more vulnerable we will be to changes in interest rates, and banks can be expected to raise interest rates. interest for those who ask for more rates in "Premium". Today, the level of interest rates is very low, among the lowest since the establishment of the State of Israel, and therefore it is worth considering taking more fixed components and thus reducing the possible mortgage modifications. In summary - it is not certain that the new relief will be real good news during this period, but it is very possible that later competition will lead to a low interest rate of the "Prime", which will lead to a reduction. significant for future mortgage borrowers. In addition to this, you will need to know more about it. Another new regulation that has not yet been approved concerns the reduction of prepayment charges. While today there is a 20% reduction on the prepayment charge after two years, and a 30% reduction after 5 years, now a 50% reduction will be added after 8 years. The reduction will be very beneficial for those who wish to refinance a mortgage or for those who intend to repay before the end of the mortgage period. This is because prepayment charges can reach tens of thousands of shekels, and in many cases, people refrain from refinancing a mortgage because it makes the turnover unprofitable. Note that there is no prepayment charge on the “Premium” portion, so if customers increase the portion of that rate, the overhead prepayment charge will also be reduced. Mortgage freeze Following the Corona pandemic, the Bank of Israel decided to broadly approve the possibility of a mortgage freeze in order to make everyday life easier for all borrowers in such a time of uncertainty. You can either freeze only the principal payments and pay only the interest portion, or freeze the entire payment and not repay the loan at all. Some people thought that this was some kind of a favor and that since they did not pay a monthly payment, the mortgage would be suspended for a few months without charge. However, in reality, in the case of a partial freeze, the monthly repayments are in fact "money thrown in the trash" because the principal to be repaid is not used and the interest is paid. In the case of a full freeze, the cost is even higher since the interest not paid during the freeze period is spread over the remaining mortgage balance and will be paid at the end of the mortgage period (and will incur additional interest charges). In addition to this, you will need to know more about it. The monthly repayment after the freeze period is therefore expected to increase both due to the additional interest charges and the fact that the mortgage balance now has to be repaid over a shorter period. In conclusion, behind the relief is a considerable cost that the freezing of the loan entails and it is therefore advisable to avoid freezing mortgage payments and only use this lifeline in cases where it does not. there is no other choice. Investors In recent months, there has been a massive influx of investors into the real estate market. The main reasons are the very low interest rate environment, in particular the possibility of early repayment with less exposure to taxes, reducing the purchase tax from 8% to 5%. In addition to this, you will need to know more about it. The state housing assistance program named “Meh'ir Lamishtakene” (מחיר למשתכן) is in its final stages of existence, and in the absence of an alternative plan, this will create greater demand on the land. estate market. At the same time, housing starts are lower than the demand for housing each year - resulting in higher prices and increases across the country are expected in the near future, except for commercial real estate such as stores and offices, where recent times have created an increased risk for vacant properties. The level of interest rates and new regulations therefore force us to verify the viability of our mortgage cycles and those of our clients. In many cases, tens and hundreds of thousands of Shekels can be saved, even in cases where prepayment charges are high. This is definitely the time to buy a property for residence or for investment and thus take advantage of low interest rates and a mortgage loan opportunity on the best terms. In other words, it's time to save thousands of Shekels! Do not hesitate to Contact us

Explain how travel insurance in Israel the ë Notre savoir-faire, Votre bien-être Travel insurance covers the services that any person may need during their stay abroad: medical expenses for emergency hospitalization, medication, emergency dental care, cancellation or reduction of the number of trips, loss or damage to luggage. personal, permanent disability by accident, death by accident etc. Insurance cover is in place for the duration of the trip abroad. The many years of experience of Cabinet Slama Assurances allows it to support the client in the preparation of the most appropriate insurance policy and to process claims efficiently and quickly, if necessary. Travel insurance policies may include additional insurance coverage: In addition to this, you will need to know more about it. Rescue missions for travelers around the world. Coverage in case of worsening of an existing medical condition. Cover for extreme activities and winter sports. To know: The State Insurance Law, which concerns the right of every citizen of the State of Israel to access to medical care, only applies within the limits of the State of Israel. The insurance conditions must be adapted to the specific needs of the insured, to the destination and purpose of the trip as well as to the duration of the stay. There is a special insurance plan for regular travelers. DEVIS PERSONNALISÉ

Our experience, Your serenity Real estate l0cations - השכרת דירות NETANYA Coming soon

Our experience, Your serenity Real estate l0cations - השכרת דירות JERUSALEM Coming soon

בס"ד SLAMA Insurance , Real Estate & Finance With more than 30 years of experience in Israel, our agency offers you the possibility of securing your property, your health as well as the stability of your family and your resources. About - us? Claude Slama , married and father of 8 children, arrived from France to Israel in Jerusalem in 1983. Former bank manager and holder of a third cycle of economics, he decided in 1986 to get into the insurance industry. Very quickly, through petanque and belote tournaments, the office became known throughout the country, to the point that a secondary office was created in Natanya on Kikar Haatsmaout. From the beginning of the 90s, the office grew, among other things thanks to the insurance of particular niches, such as the insurance of large hotels or renowned Israeli chain stores. In recent years, the office has grown and seeks to satisfy its large clientele in various areas outside of insurance, such as obtaining and refinancing loans as well as property management, Claude also being a licensed real estate agent. The office is at your disposal for these various services and to advise you in other fields. Our areas of activity Insure your property Ensure your apartment, vehicle and business with confidence at the best conditions and at the most attractive rates Insure yourself and your family Your health and that of your family are priceless! Find out about our complementary programs with the Koupot H'olim for the safety of all those who are dear to you Management of your claims Take advantage of quality service in French to manage your claims and support you throughout the process until your damage is recovered Investing your money Do you have savings? Don't let them sleep in your bank account! Come and take advantage of attractive rates of return offered by Israeli insurance companies Optimization of your credits Do you have an outstanding loan? Do you want to take out a loan for an apartment or a consumer loan? Take advantage of our financing and advice service to obtain the best repayment terms for your loan Accommodation in Israel - Rent or sell your real estate As real estate agents, we can provide you with solutions for housing, buying, renting or even selling your real estate. The team Claude Slama Fondateur de l'agence Hanna Directrice du pôle assurance vie et santé Yonathan Pôle automobile et professionnel Shlomite Responsable du pôle assurance Habitation The Slama Assurance team is always available to advise and defend the best interests of the client with kindness, professionalism and efficiency. I particularly appreciate this relationship of trust. L. Tolub - Ra'anana In addition to this, you will need to know more about it. Over 30 years of experience and advice on Jerusalem Contact