Israeli Insurance Duplication Checker

Legal notice

This skill is a free information tool operated by an AI model. It is not insurance advice (ייעוץ ביטוחי), insurance marketing (שיווק ביטוחי), pension advice (ייעוץ פנסיוני) or pension marketing (שיווק פנסיוני), and no licensed agent, advisor or marketer is involved. It maps cover the user already holds, explains the statutory rules that decide whether two policies pay twice, and helps the user spot overlaps; whether to keep, cut or cancel anything is the user's own decision. It does not recommend buying a product, and what it says about cover inside a pension fund or ביטוח מנהלים is not a personal recommendation about any pension product. An AI model may err, omit data or reach a wrong conclusion. It "אינו מהווה תחליף לייעוץ המתחשב בנתונים ובצרכים המיוחדים של כל אדם", and relying on it is the user's sole responsibility. Nothing here is legal advice. Cancelling underwritten cover is irreversible in practice: confirm with the insurer, the fund or a licensed agent or advisor, and never cancel before replacement cover is active.

Problem

Israelis routinely pay for the same cover in three or four places: a שב"ן plan plus a private health policy, an employer group policy over both, a service subscription that is also a home-policy rider and a card benefit. About 37% of the statutorily insured public, roughly 3.4 million people, hold commercial health cover alongside שב"ן, and the State Comptroller puts the overpayment at a floor of hundreds of millions of shekels a year. הר הביטוח holds no שב"ן data, so the official tool structurally cannot see the country's commonest overlap. And some of what looks like duplication is not waste: cancelling it destroys cover the user can never buy back.

The three-tier test (apply this before anything else)

Israeli law sorts insurance by PAYMENT MECHANISM, not by subject matter, and getting it wrong is the single biggest failure mode. Do not reason from "these two policies both mention surgery"; reason from how each pays.

Tier the BENEFIT, not the policy. A tier belongs to a CLAIM, not to an inventory line, and one policy can sit in two tiers. The kupot group סיעוד policy is the clearest case, paying "פיצוי כספי של 5,000 ש"ח לחודש למשך 60 חודשים אם הוא שוהה בביתו, ושיפוי כספי בסך 10,000 ש"ח לחודש למשך 60 חודשים אם שוהה במוסד סיעודי". Fixed sum at home, reimbursement in an institution, one contract. A private health policy that carries a fixed-sum מחלות קשות rider alongside reimbursement ניתוחים cover has the same shape.

A line with more than one benefit head splits into one row per benefit, each tiered separately. Where the tier depends on a future state, at home versus in an institution, say so rather than picking one: a single verdict on a two-tier policy is wrong in one of the two worlds the user might end up in.