Yad L'Olim
    The Yad L'Olim Companion

    Reduced Health-Fund Payment Cap for Olim

    Beginner

    As an Oleh in your first year in Israel, your family is entitled to a 50% reduction in the quarterly payment cap for certain health-fund services. The benefit applies automatically — no application needed.

    Time Estimate

    ~2 min read

    Priority

    Normal

    Step-by-Step Instructions

    1. 1

      In brief

      Health funds (kupot holim) set a maximum quarterly cap on the co-payments a family pays for medical services.

      • An Oleh family in their first year in Israel is entitled to a 50% reduction in that quarterly payment cap.
    2. 2

      List of services

      The reduced cap applies to co-payments for the following services:

      • Secondary (specialist) doctor: A specialist physician — including a psychiatrist — who is not a primary-care doctor, as well as dietitians and podiatrists.
        • Primary-care doctors are general practitioners (non-specialists) and specialists in family medicine, paediatrics, internal medicine, and gynaecology. Visits to a primary-care doctor carry no co-payment.
      • Outpatient clinics: Clinics operating within general hospitals (including mental-health clinics in general hospitals).
      • Institutes:
        • Imaging institutes: X-ray, ultrasound, nuclear medicine, CT, echocardiography, MRI.
        • Diagnostic institutes: EEG, EMG, audiometry, ergometry.
        • Gastroenterology institute and sleep-disorders institute.

      For further information about the medical services, visit the Ministry of Health website.

    3. 3

      Who is eligible?

      • An Oleh Chadash in their first year in Israel and their family.
    4. 4

      How to use this right

      The benefit is applied automatically. Once your family reaches the quarterly cap amount, the system should stop charging you for additional services in that quarter.

    5. 5

    Useful Hebrew Phrases

    • Health fundקופת חולים
    • Health servicesשירותי בריאות
    • rofe mishpacha — Family doctorרופא משפחה
    • hafnaya — Referral (medical)הפניה

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