Switching Health Plans

People switch their kupat cholim for various reasons.

Why would I switch?

You may want to consider switching if:

  • You have moved and one kupah offers better treatment options in your new community.
  • You got married and want your new family to all have the same kupat cholim to make it more convenient.
  • You’ve done your research and found that a supplemental insurance option offered by another kupah covers services or treatments that are more relevant to your needs.

 

For some things to consider when choosing a kupat cholim or considering a switch, check out “Question: Changing Your Kupat Cholim?”.

What should I know about switching?

  • Anyone who is a member of a kupat cholim has the right to switch in accordance with the relevant procedures and regulations (see below).
  • When switching health plans, the coverage provided by an additional health services plan (supplemental insurance) is generally retained in the new health plan and at the same level without requiring a waiting period, though this should always be verified before actually making the switch.
  • Switching may be done simply by going to the post office, paying a nominal fee, filling out the required form and handing it in there. There is also an online option through the National Insurance Institute (Bituach Leumi) website.

 

As part of our on-going collaboration with Kol-Zchut, we provide you with the following essential information on switching kupot cholim. See below or click here to go to the Kol-Zchut site.

Related information:

Medication Look-Up: Basic Basket and Supplemental Plans

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Have you ever wondered if/to what extent your medications are covered by national health insurance or your supplemental plan?

Use the links listed below to search listings of  the medications covered by the basic Healthcare Basket or by the supplemental insurance plans from each kupat cholim.

co-payment is often required for all medications, and coverage may be dependent on meeting diagnostic criteria and/or other clinical factors specified in the listings (in Hebrew). 

 

Medications in the Healthcare Basket

Medications included in the Healthcare Basket are provided to anyone covered by national insurance (anyone entitled to national insurance/paying Bituach Leumi contributions).

 

Medications Covered by Supplemental Health Plans

Those who have a supplemental health plan are entitled to full or partial coverage of some medications which are not included in the Healthcare Basket.

  • Clalit (Mushlam Platinum, Mushlam Zahav) – PDF document – as of January 2016
  • Leumit (Silver, Gold) – Database search – click the letter or enter the English first letters into the search box
  • Meuhedet (Adif, C) – Database search – enter the English first letters into the search box
  • Maccabi (Sheli, Magen Kesef, Magen Zahav) – Database search – click the letter or enter the English first letters into the search box

 

Please note: Websites and listings may change or be updated over time so please leave a comment below if a link doesn’t work or is outdated.

 

If this information was helpful to you, please enable us to help others by supporting the project:
 www.shirapranskyproject.org/donate/ 

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Kupat Cholim Co-payments, Limits and Exceptions

Even though your Kupat Cholim is obligated to provide medical services they are allowed to charge co-payment for services. The following are listings of services and payments, as well as exceptions and limits, published by the kupot. As always, you should double check any specifics you see published directly with a Kupat Cholim representative.

 

For more details about Co-payments, discounts and exemptions  see the following pages on the Ministry of Health English website:

 

Maccabi’s Co-payment listing is the only one we have found in English to add to our collection of English Kupat Cholim publications and embed below. Even if you are not a Maccabi member, you may want to refer to their listing for a general idea and then follow up with your kupah directly.

Maccabi Members Co-payments, limits and exceptions

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Home Care from the Kupat Cholim

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About this Benefit

All of the kupot cholim (health plans) offer home care services to patients who can’t get all of the medical services they need due to difficulty leaving the home. A full range of medical services are provided with home visits from doctors, nurses, and social workers, as well as paramedical providers, like physiotherapists, occupational therapists, speech therapists, and others.

Who is Entitled

Home care services are intended for patients who are confined to their homes temporarily or permanently due to their medical/physical condition and are not able to receive services in the kupat cholim branches.  For Example: 

  • Patients with chronic illness
  • Patients returning home after hospitalization
  • Oncology patients
  • The elderly

How to Get it

Individuals may be referred to the Home Care Unit (יחידה לטיפול בית or יחידה להמשך טיפול)  by hospital staff, a family doctor, local social services or by contacting the unit directly. Contact information can be obtained from your local branch secretary or your kupat cholim’s information hotline.

Cancer patients may be entitled to additional home care through the Israel Cancer Association. Click here for more information.

Resources

 

If this information was helpful to you, please enable us to help others by supporting the project:

 www.shirapranskyproject.org/donate/ 

English Websites and Publications for Each Kupat Cholim

It’s important to understand your kupat cholim. Getting familiar with your kupat cholim’s services and how to use them can save you time and money, or possibly make a difference in more important ways. Below are the links to the English sites for each Kupat Cholim, and you can also see our “Forms and Files” page to browse and download the English brochures and regulations that they have produced. Take a few moments to browse, and don’t stop until you’ve found out something you didn’t know:

Meuhedet- lang.meuhedet.co.il

Very simple sidebar navigation for English descriptions of all Meuhedet’s services, including PDF versions of their English pamphlets on supplemental insurance services and regulations.

Maccabi- maccabi4u.co.il/1781-he/Maccabi.aspx

Also simple navigation for good English descriptions, and downloadable PDFs. Plus, a handy summary of major points in the National Health Law.

Clalit- clalit-global.co.il/en/

Top navigation bar with drop down menus so it’s easy to navigate to very specific descriptions of services.

Leumit- leumit.co.il/eng/homepage.asp

Definitely the weakest English portal of the pack. Short lackluster descriptions and summaries of services. Tip- If you don’t see the sidebar navigation, try a different browser.