What is hitchayvut (Form 17)?

A “hitchayvut” is like a promissory note from the kupah. This form, sometimes called Tofes 17, is a letter from the kupah stating that they know you are recieving the imaging/test (an MRI, for example) at an institution outside the kupah.  They promise to pay the hospital or company later.  If you do not have this form, you will not be able to have the procedure covered by your kupah, as they have no guarantee that the procedure has been recommended by your doctor and will therefore be covered.  Alternatively, sometimes you may be able to pay for it out of pocket, or give a check, and later bring the hitchayvut and get your money back.  Getting your money back from a private company after the fact really depends on 1) whether the kupah has worked a great deal with this company in the past and  2) how experienced the medical secretary from your kupah branch is in filling out these forms.

What is sal briut (basket of services)?

Israel uses a socialized medicine infrastructure, which means that every citizen is entitled to healthcare services.  The basic “basket of services” or the “sal” is a list of procedures, medicines, and types of surgeries that are covered by the National Insurance Institute (Bituach Leumi).  The four kupot holim (health funds) are responsible for delivering these services, for which they are reimbursed by Bituach Leumi.  Several services are still directly paid for by Bituach Leumi (meaning they do not go through the kupot.) Those include childbirth.  New medicines and procedures are added to the “basket” every year, so you shouldn’t assume that if something wasn’t covered last year, it still won’t be this year.  It’s worthwhile to check yearly. For a summary (in English!) of what is the basket of services and what is included,  go to this Ministry of Health link.

What is shaban (supplemental services)?

Each kupah has added supplementary insurance which you can receive for an additional monthly fee, basically a mid-range and high-range option in terms of what is covered.  Cost is aged-based, so as you get older, the co-pay will increase.  Some kupot offer deals where you pay less for each subsequent child added, and some cover some family members for free.  You can refer to the links below to see each kupah’s payment fee for supplementary insurance.

Each kupah has two additional supplementary tracks you can choose from. Joining these tracks should depend on:

  • Whether you are single or married
  • Whether you have a family history of specific illnesses
  • Whether you have a family member with preexisting conditions which would require extensive or unusual testing   
  • All midlevel plans offer to reimburse you for second opinion consults with experts from outside the kupah. 

What is Sal Shikum?

It is a tailor-made program, constructed, together with the client (patient), by the regional rehabilitation committee [part of the Israel Ministry of Health]. This program is only for those individuals who have a current mental health diagnosis, and:

Are currently receiving at least 40% medical disability from bituach leumi, OR have requested eligibility status by the regional psychiatrist’s office of the Israel Ministry of Health

As a recipient of this program, the person is entitled to:

• Treatment Services

• Employment Assistance

• Housing

• Life skills assistance 

• Additional Benefits 

To download a one page summary of the benefits of sal shikum click here [ have pdf downloadable]