Oleh Chadash: New immigrants recieve full coverage in any Kupat Cholim.
Available irrespective of whether you are employed.
If working, health insurance will be deducted from salaries.
First six months after Aliyah.
Not available for Israeli citizens.
The basic basket of services:
Pre-existing medical conditions are irrelevant when applying for basic health insurance in Israel. This basic basket, which is given by all health plans includes: physicians visits, diagnostic and laboratory services, paramedical services (physical therapy, speech therapy, etc.), medical equipment, rehabilitation, hospitalizations (including for births), and prescription medications. Not every type of service, treatment or prescription is available in the basic basket. Most services require a co-payment one time per quarter, which can range between 7 NIS (family physician) to 23 NIS (hospital outpatient visits).
Supplemental insurance: Age and/or pre-existing medical conditions are irrelevant when applying for supplemental health insurance in Israel. Most healthcare providers offer several different supplemental plans. These 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, etc. Specific services may require a waiting period.
Long-term care insurance:
Long-term care insurance is also available through private insurance agents. This insurance provides financial participation in long-term care costs for persons who cannot perform activities of daily life alone and require assistance and supervision in a residential facility or at home. Additionally, persons who need supervision due to illness (such as Alzheimer’s disease) also are entitled to long-term care. Persons using this insurance are generally required to pay co-payments.
The long-term care insurance is identical for all participants. The premium paid is the same for each age group, and increases with age. The maximum amount of time that is covered in any given long-term care policy is generally up to 5 years. If needed past the maximum amount of time, out-of-pocket payment would be required for these services.
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