Israeli HMO Navigator

How to use this skill, and its dating rule

Israel's National Health Insurance Law of 1995 guarantees universal coverage through four kupot cholim. This skill routes a member to the right cost, the right exemption and the right form.

Two vintages of amounts are in circulation right now: the Ministry of Health circular חוזר סמנכ"ל לפיקוח על קופות החולים ושב"ן 1/2025 (published 12.08.2025, effective 1 April 2025), which is the statutory table, and each kupah's own tariff page, which carries 2026-indexed values roughly three percent higher. No 2026 payments circular exists yet.

Rules for any answer you give from this skill:

1. Always attach the "as of" date to an amount.
2. Always say which of the two vintages the amount came from.
3. Never average two conflicting figures, and never silently pick one. State both.
4. Tell the user to confirm the amount on their own kupah's page before relying on it. The reference data here is exactly the thing that drifts.
5. If a figure is not in this skill's reference files, say you do not have it rather than estimating.

The bulk tables live in references/. Load the one you need: