Accessing quality medical care is a fundamental cornerstone of Israeli society. The healthcare system, which relies on social security, provides medical services for permanent residents. Nonetheless, it is recommended to consider obtaining additional health insurance for comprehensive coverage. Discover how this effective healthcare system operates and learn about the steps needed to take advantage of its benefits.
The healthcare system in Israel is both socially inclusive and streamlined. Once permanent residents have spent a minimum of 183 days within a year in the country, they gain access to social security through Bitouah Léoumi. Registering is as simple as dialing 6050, where you'll be prompted to provide the required information. The registration process is uncomplicated. The pricing structure is designed to decrease based on income levels. As of January 2023, an individual without income contributed 112 shekels, less than 30 euros per month. Once you start working, Bitouah Léoumi contributions are automatically taken from your salary. This deduction amounts to 3.1% of your earnings exceeding 7,000 shekels per month.
However, this health insurance coverage is not sufficient on its own, so we suggest enrolling in a supplementary health insurance plan. You have the option to select from four non-profit insurance providers. Additionally, there are exclusive and higher-cost private plans available. The monthly costs for these insurances can range from 60 to 600 shekels, depending on factors like the chosen plan, the individual's age and health condition, and the desired coverage. Note that the distinction between non-profit and private insurers lies not in the quality of medical care but instead in the waiting times.
You have a range of insurance options to consider. In other words, you can opt for either basic or comprehensive coverage. The benefits are explained to prospective members during enrollment, but it's possible to switch plans or change to a different insurance provider later. Instead of being taken directly from your salary, contributions are paid directly to the insurance fund by the policyholder.
Every insurance provider has its own website and mobile app, allowing you to schedule appointments, refill prescriptions for ongoing health issues, and even directly communicate with doctors. Telephone services are available for individuals who are less comfortable with using computers. Naturally, you can also visit in person if you prefer.
How do I take out health insurance in Israel?
Several steps must be taken before you can join a health insurance fund.
First, you must register with the social security system and pay your monthly contributions.
For individuals who come to Israel as new immigrants, known as “olim hadachim”, it's an option to complete their registration upon arrival at the airport. Moreover, new immigrants are not required to make Bituah Leumi contributions during the initial six months of their stay in Israel. Those who settle under A1, A2, and A4 visas are also eligible for social security benefits. However, students, except those engaged in Torah studies, must obtain insurance in their home country.
Foreign individuals working in Israel without resident status are not eligible for Bitouah Léoumi coverage. Nevertheless, they will still receive necessary care in emergencies, work-related accidents, or childbirth. In childbirth, the foreign employee or the worker's spouse will receive a “birth allowance”. An extra supplement is provided if the woman gives birth to triplets or more. Hospital expenses incurred during childbirth will be directly covered on her behalf and paid directly to the hospital.
Who to turn to for what ailments in Israel?
If needed, policyholders can visit their general practitioners (GPs) at healthcare centers equipped with first aid facilities. These centers provide a range of services, including general practitioners, physiotherapists, a women's clinic, a laboratory, an infirmary, and an emergency service – all conveniently located in one place. In some instances, there is also a pharmacy on-site. While medications are not entirely free, unless covered by private insurance, patients are responsible for only a portion of the cost, with the remainder being covered by social security based on the chosen coverage plan.
You can decide whether you prefer remote consultations or in-person visits, depending on your requirements. The choice is yours, and you can specify your preference when scheduling the appointment.
In Israel, if you experience an accident or non-critical emergency that doesn't necessitate a hospital visit, you can contact your health insurance provider. They will arrange for a doctor, covered by your insurance, to come to you, and this service is included in your monthly fee. Additionally, for “minor emergencies”, there are Terem centers situated in various towns and cities. These centers are staffed by teams of emergency physicians equipped to handle such situations. While waiting times can be lengthy during nighttime, public holidays, and Saturdays, they are still shorter than hospitals'.
Hospitals are the go-to option for critical situations, including emergencies, severe illnesses, surgical procedures, or cases where a doctor's referral is necessary. You can either reach the hospital on your own or contact emergency services for ambulance transportation if needed.
The level of medical care in Israel is of such quality that individuals from other countries sometimes seek treatment here. Nevertheless, the extent of coverage differs from one area to another. Some regions have a shortage of hospitals. The southern part of the country, in particular, heavily relies on the Beer Sheva Hospital, renowned for its excellent reputation. Similarly, when it comes to highly specialized services like pediatric dialysis, there is a shortage of facilities, requiring patients to travel significant distances occasionally.
Find out more: https://chaimvchessed.com/information/bituach-leumi/registering-for-bituach-leumi/
For new immigrants:
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