Health Insurance in Israel, Asia

Information expatriation

Capital City: Jerusalem
Total area: 22,145 km2
Population: 7,282,400 (2008)
Money: Currency Converter
Time Zone: List of time Zones by Country
Calling Code: +972 XXX

Practical Information:

Wikipedia Israel

Health Product: Travel Insurance and Health insurance
Health Insurance information and Sanitary Risk: World Health Map
BLOG: Expat Health insurance Information

Here is a brief description of the healthcare system in the country:

·      Israel has a universal, single-payer healthcare system funded through national health insurance administered by four non-profit sick funds.

·      All citizens and qualifying long-term residents are required to join one of these funds that cover primary, specialty and hospital care.

·      The system offers comprehensive coverage, including prescription drugs, mental health services and maternity care. There are almost no co-payments.

·      Funds receive a blended public-private financing model including government subsidies based on income and risk factors.

·      High-quality care is widely available through a mix of public and private hospitals and clinics. The nation has a high doctor-to-patient ratio.

·      Around 7.1% of GDP is spent on healthcare, less than the U.S. but more than European nations.

·      The system, while not without issues, consistently scores among the best for efficiency, outcomes and universal access to modern treatments.

Here are some key health considerations for expatriates living in the country:

·      Join one of the four government-mandated health funds (Clalit, Meuhedet, Maccabi, Leumit) that provide coverage. Premiums paid via employer or direct billing.

·      Coverage and options may differ slightly between funds - research carefully before enrolling.

·      Bring essential medications, as some brand/types may not be covered by funds formularies. Supplement privately if needed.

·      Consider travel/supplemental insurance if temporarily visiting without work visa/coverage.

·      Register with a primary care clinic or general practitioner (kupatcholim) as a "listed patient" for routine care.

·      Understand co-payment responsibilities for elective services versus publicly covered care.

·      English is widely spoken in major cities but learning basic Hebrew helps for rural/specialty care.

·      Address any underlying health conditions before relocating due to coverage limitations in some areas.