All Israeli citizens are required to pay health insurance contributions; however, various populations are entitled to an exemption from these payments.
Who is Eligible?
- Homemaker - A woman who is married to a beneficiary or a common-law partner of a beneficiary and who does not work outside the home. For more information see Exemption from paying health insurance contributions for an unemployed woman who is married or in a common-law partnership.
- Beneficiaries who do not work and who have no income, or whose income does not exceed 5% of the average wage and who are one of the following:
- Prisoners and detainees in prison or jail for a period of 12 months or more.
- New Immigrants (Olim) - For the first 12 months after the date of aliyah.
- Those who are 18 years old, whom have not yet enlisted in the army and are unemployed, on condition that they will enlist no later than age 21.
- One who has been discharged from the army or has completed national civil service (as of 12.21.2014) - For two months after the end of the service. For more details see temporary exemption from payment of social security and health insurance for discharged soldiers and those who have finished national civil service
- Children - Israeli residents under the age of 18.
- Soldiers performing mandatory service - Soldiers receive medical services through the IDF are therefore exempt from paying health insurance contributions.
- "Righteous Among the Nations" status who live in Israel. For more information see Health Insurance for the Righteous Among the Nations.
- Those who have donated an organ which was implanted in someone else are entitled to an exemption for 36 months. For more information, see: Exemption from Paying Health Insurance Contributions for Organ Donors.
How to Claim It?
- The right is given automatically by the National Insurance Institute.
- If the exemption status was not updated in the National Insurance Institute system, it will be necessary to go to a National Insurance Institute branch in order to update information, stop payment and receive reimbursements for all payments taken since the beneficiary became eligible for the exemption.
- In these cases, it is always recommended to come prepared with any and all relevant documentation (documentation from the IDF for soldiers, documentation from the Ministry of the Interior for widows and immigrants, documentation from the prison service for prisoners, etc.).
- Married women who do not work outside the home who pay a pension and whose husbands are insured with old age and survivors' insurance must submit a declaration regarding her status to the pension provider, and based on this declaration, the pension provider will not deduct health insurance contributions from the pension.
- For a comprehensive categorized listing of healthcare organizations offering assistance and support, click here.
Laws and Regulations
- The National Health Insurance Law, 5754-1994, Sections 14(g), (g1)
- The Compensation for Righteous Gentiles Law 1995 - Section 3
- Information about health insurance on the National Insurance Institute's English website
- Information about enrolling in a health plan and paying health insurance contributions on the Society for Patients Rights in Israel's English website
- The basis of this entry was written by Adi Segev, as part of Dr. Nili Karako Eyal's course at the College of Management's Mazor Clinical Center - Providing Legal Advice Regarding Patients Rights in Israel.
- English translation and maintenance by The Shira Pransky Project.