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Kupot Cholim (Health Plans)

See Also: Healthcare Services

Basic Basket of Services | Supplemental Insurance | Travel Insurance | Residency Requirements for Kupat Cholim Coverage | Long-Term Care Insurance | Dental Care | Kupot Cholim Contact Info

Four health plans, or Kupot Cholim, provide health care services in Israel: Maccabi, Meuhedet, Clalit and Leumit. Each health plan offers several levels of service: the basic basket of services, supplemental insurance and long-term care insurance. Contact information may be found below.

New Olim will have the opportunity to register for health care upon arrival at Ben Gurion Airport.  If you have a pre-existing Israeli status please see the following link to to clarify your health care registration.  Researching which healthcare provider offers the best services in your new Israeli community will better prepare you for your decision.

The Basic Basket of Services 

By law, the Kupot Cholim must accept all applicants for services regardless of their age or prior medical history. In other words, pre-existing conditions and age are irrelevant when applying for basic health insurance in Israel.  The basic basket of services offered by the Ministry of Health offers coverage for a multiple of services, medications, and hospitalizations, but all within a basic range of services.

For additional tips on getting the most out of your Kupat Cholim coverage, please see 5 Things to Know About Your Kupat Cholim, courtesy of The Shira Pransky Project. The Shira Pransky Project was established to assist English-speaking medical patients in Israel by facilitating the accessibility of rights, benefits and support through education and advocacy.

Supplemental Insurance

It is possible to purchase supplemental insurance (Bituach Mashlim) from your health plan in order to receive wider coverage. Supplemental plans offer a wider selection of medications, consultations with professionals outside of the health plans (second opinions), dental medicine, surgery abroad and alternative medicine including chiropractics, homeopathy, and so forth.  Most health plans offer several supplemental plans and differences between health plans exist in the scope of services offered and in the cost. The cost of a supplemental plan varies based on the following factors: your age, the size of your family, and the type of plan that you select.  Costs can be found on the Kuppat Cholim websites listed below.   As new Olim, joining a supplemental plan within the first 90 days after your arrival will waive any waiting period for services.  As with the basic basket of services, all supplemental plans are available regardless of age or pre-existing condition.

Travel Insurance 

Travelers insurance is available through the Kupot Cholim any time you travel.  Coverage typically covers health care needs that are not within a pre-existing condition situation.  Clarify with your Kuppot Cholim regarding how any possible pre-existing condition will be cared for while abroad.  For some, keeping your foreign health care insurance may be necessary for coverage while abroad.  Clarifying coverage with the Kupa of your choice is possible before your Aliyah so that you are prepared.

Residency Requirements for Kupat Cholim Coverage

In order to receive continuous Kupat Cholim coverage, an Israeli citizen’s “center of life” -- as determined by Bituach Leumi -- must be in Israel, not abroad. Bituach Leumi considers a number of factors in determining “center of life,” including whether you own an apartment in Israel, where you live, where the rest of your family lives, and whether you reside in Israel more than 183 days in the calendar year. For more information, see the following article on Bituach Leumi.

Long-Term Care Insurance

Long-term care insurance is available through the health plans, as well as via private insurance agents. Long-term care insurance provides financial participation in long-term care costs in a residential facility or at home for persons who cannot perform activities of daily life alone and require assistance and supervision.  Different from the above listed plans, long term care insurance through the health care providers are private insurance policies.  Unlike the basic and supplemental, they are subject to age (not available over the age of 70) and pre-existing conditions.   The long-term care insurance offered by each health plan is identical for all participants. The premium paid is the same for each age group, and increases with age. In some health plans, the level of coverage is higher for members who joined at an earlier age.

It is important to note that there is a maximum amount of time that is covered in any given long-term care policy (generally up to 5 years). If one required long-term care for a period of time longer than the maximum amount, one would need to pay out-of-pocket for these services.

In addition to private long term care policies offered by the kuppot, long term care is also available to all through the Bituach Leumi, National Insurance Institute.  Services received from the Bituach Leumi may be subject to a means test.  For more information, see the following link.

Dental Care

While dental care in Israel is not included in the basic Israeli health insurance plans (Kupot Cholim), the costs are significantly lower than they are in the U.S. Supplemental insurance plans (available through the Kupot) often cover some free treatments and/or discounts on dental care, including one free checkup with x-rays per year. Some health plans offer free restorative care (i.e., filling cavities, root canal, etc.) to children up to age six. Many services are available at a discount, including orthodontics.

Waiting periods for discounts on basic treatments such as cleanings, x-rays, fillings and root canals are variable. During these waiting periods, the insured continues to pay his/her monthly fees despite not being eligible for these services.

Please note that all free services and discounts only apply at health plan-affiliated dentists.

Many Olim choose to access dental care through private dentists, without receiving reimbursement from their health insurance plans. A dental exam, with x-rays generally costs between 200-300 NIS.

Here is a listing of dental services and discounts via supplemental plans at the Kupot Cholim:

Clalit Mushlam

Leumit Zahav

Maccabi Zahav

Meuhedet Adif

Free treatment for children

Yes, up to age 18

No

Yes, up to age 6

Yes, up to age 12

Discounts on restorative dentistry

25% discount off list price

25% discount

25% discount

20% discount

Dental exam

One free per year

Two free per year

One free per year

One free per year

X-rays

25% discount

Two sets free per year

No discount

Dental cleaning

One free per year

50% discount on two treatments per year

50% discount on two treatments per year

50% discount on two treatments per year

Waiting period for above services

None

None

None

None

Orthodontics

25% discount

35% discount

25% discount

20% discount

Waiting period for orthodontics

12 months

None

24 months

None

Additional notes

12 month wait for aesthetic dentistry

Free emergency care

   

Clalit Health Services
English Site: http://www.clalit-global.co.il/en/
Information Guide: http://www.clalit-global.co.il/userfiles/File/clalit.galaxy.en.pdf
Phone: 1-222-2700 or *2700 from Israel

Leumit Health Fund
English Site:http://www.leumit.co.il/eng/
Hebrew Site: http://www.leumit.co.il/
Phone: 1-700-507-507 or *507
E-mail: http://www.leumit.co.il/eng/contactus.asp

Maccabi Healthcare Services
English Site: http://www.maccabi4u.co.il/1837-he/Maccabi.aspx
Hebrew Site: www.maccabi4u.co.il
Phone: 1-700-505-353 or *3555

Meuhedet Health Fund
English Site: http://lang.meuhedet.co.il 
Hebrew Site: https://www.meuhedet.co.il/
Phone: 1-222-3833, 09-8633336 or *3833 from Israel
E-mail: aliyah@meuhedet.co.il