Understanding Israel’s healthcare system: Q&A for new immigrants

The process of aliyah requires new immigrants to adjust to the changes of living in a new country. Many of the routines of daily life, from banking to education to health care, are different in Israel than in their country of birth.

The following is a brief summary of the basics of the Israeli health system and how it functions.

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What makes Israel’s healthcare system unique for new immigrants?

Israel boasts a universal healthcare system providing comprehensive medical services for all residents. The system is founded on the National Health Insurance Law of 1995, ensuring every resident is entitled to a standard basket of healthcare services, regardless of their financial situation.

How is healthcare delivered in Israel?

Healthcare services are provided through four health insurance funds, known as “Kupot Holim:” 

1. Clalit Health Services: The largest fund, serving over half of the population.
2. Maccabi Healthcare Services: Known for advanced medical technologies and quality services.
3. Meuhedet Health Services: Offers personalized care and is favored by various communities.
4. Leumit Health Services: Provides comprehensive services with a strong emphasis on family health.

New immigrants must choose one of these health funds, which cover services such as primary care, specialist consultations, hospitalization, and preventive care.

What steps should new immigrants take to enroll in a health fund?

Upon obtaining residency, new immigrants must register with one of the health funds. The registration process is straightforward and can be done online, by phone, or in person at health fund offices. The basic coverage includes essential medical services, medications, and treatments as defined by the Ministry of Health’s standard basket of services.

Why should new immigrants consider private health insurance?

While the public system provides a broad range of services, many Israelis opt for private health insurance to complement their basic coverage. Private health insurance is important for several reasons:

1. Enhanced access to specialists: quicker access and choice of preferred doctors.
2. Shorter waiting times: Reduced waiting periods for non-emergency procedures.
3. Private hospitalization: Coverage in private hospitals with luxurious accommodations and personalized care.
4. Comprehensive coverage: Additional services such as dental care, alternative medicine, and advanced treatments not covered by the public system.
5. Flexibility and choice: More options in choosing healthcare providers and facilities.

 What are the key differences between public and private healthcare in Israel?

• Public Healthcare: Provides essential health services, funded through an income-related health tax, with services offered through health fund clinics and public hospitals. While the quality is generally high, there can be variations in waiting times and specialist availability, with limited choice in doctors and hospitals.
• Private Healthcare: Offers additional benefits, such as elective surgeries, private rooms, and advanced treatments, requiring separate premiums. It allows quicker and more convenient access to services, often perceived as superior due to shorter waiting times and more personalized care, with greater flexibility in choosing healthcare providers and facilities.

How can new immigrants obtain private health insurance?

Private health insurance can be obtained through various providers, including the health funds and private insurance companies. When choosing a plan, consider:

• Coverage Needs: Assess additional services beyond the public system.
• Cost: Compare premiums and out-of-pocket expenses.
• Provider Network: Ensure that your preferred doctors and hospitals are included in the plan.
• Reputation: Look for insurers with a strong reputation for customer service and claims processing.

Are there special programs for new immigrants in the healthcare system?

Yes. Israel offers specific programs to help new immigrants integrate into the healthcare system:

• Free Health Insurance for the First Year: New immigrants may receive free health insurance coverage during their first year in Israel, provided by the Ministry of Aliyah and Integration.
• Language Assistance: Many health funds and medical facilities offer services in multiple languages to assist non-Hebrew speakers.
• Orientation Sessions: Health funds and community organizations frequently hold orientation sessions to educate new immigrants about their healthcare rights and how to access services.

What about hospitals and medical facilities?

Israel has a mix of public and private hospitals. Public hospitals offer high-quality care and are integral to the healthcare system. However, private hospitals provide enhanced services and amenities, often covered by private insurance plans.

What should new immigrants remember about the Israeli healthcare system

The Israeli healthcare system is a robust blend of public and private services, ensuring high-quality medical care for all residents. While the public system offers comprehensive coverage, private health insurance provides added benefits that enhance accessibility, flexibility, and comfort. New immigrants should familiarize themselves with both aspects to make informed decisions about their healthcare needs. Understanding the system and leveraging available resources will help ensure a smooth and healthy transition to life in Israel.

Exploring private health insurance options in Israel? We understand it can be confusing for newcomers.

We specialize in explaining Israeli private health insurance plans in plain English, helping you find coverage that fits your needs.

Assaf Shechner Aorta

Insurance Broker licensed by the Ministry of Finance

Office: 08-9298889 |Mobile: 058-5557766

13 Hareches St, Building C, floor 1, Modiin

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