Health Insurance in Israel: A Guide for Internationals

Why is Health Insurance Important?

As an international visitor, it's important to prioritize your studies or work while also taking care of your health. Health insurance in Israel is an essential investment that can provide you with access to medical care without worrying about the high cost of medical expenses.

It's crucial to remember that unexpected health concerns can arise at any time and negatively impact your well-being and academic work if left unaddressed. Therefore, purchasing health insurance can help you stay healthy and set yourself up for success, both academically and personally.

How the Israeli Healthcare System Works

The healthcare system in Israel operates on a National Health Insurance model, with Israeli residents required to be insured by one of four authorized Health Maintenance Organizations (HMOs), known as “Kupot Holim” (singular: Kupat Holim). These non-profit organizations are government-regulated and provide comprehensive health services to all residents. The system is funded by government subsidies and individual income-based premiums.

However, internationals who are not Israeli residents, for example, students and researchers, are required to obtain private health insurance. They can still receive medical treatment from Kupot Holim, but they must pay for services out-of-pocket.

Health Insurance in Israel: Frequently Asked Questions

What is covered under Israeli health insurance?

Israel's national health insurance provides health services to residents through four government-regulated, non-profit HMOs (health funds). Internationals who are not Israeli residents are not covered by the national system; they arrange private insurance and can still be treated at a health fund, paying out of pocket.

What is a health fund (Kupat Holim), and what role does it play?

A Kupat Holim is one of Israel's four authorised HMOs. These non-profit, government- regulated organisations deliver health services and are funded through government subsidies and income-based premiums.

Do international students and researchers get Israel's national health insurance?

No. Non-residents such as international students and researchers are required to obtain private health insurance. They may receive treatment from a health fund but pay for services out of pocket.

How do international students arrange health insurance in Israel?

Through private coverage, either included in your TAU program tuition or purchased independently. See Health Insurance & Healthcare Services for the TAU-specific options and how to get insured.