Health Insurance Policyholder Sues Phoenix Over Alleged Betrayal
Translated & summarized from Ice by baba
A policyholder is suing the Phoenix insurance company for canceling her health insurance after she was diagnosed with an autoimmune disease, claiming the company acted unfairly despite her prior disclosure of symptoms. The lawsuit seeks to reinstate her coverage under its original terms.
The story in 4 lines · by baba
- Policyholder sues Phoenix for canceling health insurance after autoimmune diagnosis.
- She claims prior disclosure of symptoms and medical investigation.
- Phoenix cited incomplete and dishonest health declaration.
- Lawsuit seeks reinstatement of policy under original terms.
A health insurance policyholder is suing the Phoenix insurance company, alleging it abandoned her after she was diagnosed with an autoimmune disease and sought coverage for treatments. The policyholder, a woman in her 60s from northern Israel, claims Phoenix canceled her policy despite her having disclosed symptoms and undergoing medical investigation prior to enrollment. Her lawsuit, filed in Tel Aviv Magistrate's Court, seeks to reinstate her coverage.
According to the lawsuit, the policyholder experienced a rash and itching before joining Phoenix. In December 2024, she underwent a skin biopsy that did not yield a clear diagnosis. Phoenix requested a medical summary, and a family doctor's note from March 2025 stated she had no chronic illness or regular medication, but did mention the ongoing rash and diagnostic process. The policyholder asserts this information was provided to Phoenix, along with a health declaration, before her policy took effect in May 2025.
In September 2025, her condition worsened, and subsequent tests at Ziv Medical Center led to a diagnosis of pemphigus. She required hospitalization and expensive treatments, including steroids and biological therapy. When she applied for insurance benefits, Phoenix allegedly notified her in July 2026 that her policy was canceled. The company offered to let her re-enroll under new terms with medical exclusions, specifically for pemphigus.
Phoenix reportedly claimed the policyholder provided incomplete and dishonest information on her health declaration, failing to disclose the full extent of her medical condition. The insurer stated that had they known her complete medical status beforehand, they would not have accepted her for coverage before the diagnostic process was finished. However, her attorney, Ran Shapira, argues that the medical summary Phoenix itself requested clarified her condition and that the company could have sought further documents or waited for a diagnosis before approving her application.
The lawsuit asks the court to declare the cancellation notice void, reinstate the policy from May 2025 under its original terms without new exclusions, and compel Phoenix to fulfill its insurance obligations.
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