Call us050-665-0889 Get a quote

For caregivers and English-speaking employers

Health insurance for caregivers in Israel

Short answer Every employer of a foreign caregiver in Israel must provide medical insurance at the employer’s expense, for the whole period of work. The employer may deduct up to half of the cost from the caregiver’s salary, and no more than 168.80 ILS a month in 2026. Service is given through the Clalit or Meuhedet health fund.

Last updated: 10.11.2026 · Checked against the Population and Immigration Authority circular 09/2026

Get a quote

A name and a phone number, that is all. No medical information.

By sending, you ask us to contact you with a quote. We will not use your details for anything else without your consent. We do not ask for medical information or passport copies here. Privacy policy (Hebrew)

Prefer to talk? 050-665-0889 Message us on WhatsApp

For caregivers

Your rights, in four lines

These rules apply to every foreign caregiver employed in Israel, including in a private home.

  1. Your employer must insure you

    Israeli law (Foreign Workers Law, section 1D) requires your employer to arrange medical insurance for you, at the employer’s expense, for the whole time you work. Employing a foreign worker without medical insurance is an offence.

  2. Up to half the cost, within a monthly cap

    In the caregiving sector your employer may deduct from your salary up to half of the insurance cost, and no more than 168.80 ILS per month in 2026. All deductions together may not exceed 25% of your salary.

  3. A copy in a language you understand

    Your employer must attach to your work contract a copy of the policy in a language you understand (deduction regulations, regulation 5). Ask for it when the policy starts.

  4. Your medical information stays private

    The insurance company may not pass your medical information to your employer without your consent, even though the employer pays for the policy.

For employers

What the employer needs to do

Usually the employer is the elderly person or a family member who signed as the employer. This is the short version.

  1. Insure from the first day of work

    The policy must be in force from the first working day until the last, with no gaps in between.

  2. Choose Clalit or Meuhedet by the nearest clinic

    Coverage is the same in both, because it is set by the 2001 order. Pick the health fund whose clinic is easiest for the caregiver to reach from the home of the person they care for.

  3. Renew before the end date

    A policy runs for up to 12 months. In all four policies we checked, renewing within 90 days of the end date keeps continuous cover without new underwriting, if you pay for the gap. The premium may change at each renewal.

  4. Compare the all-in annual price

    Published market prices are about 3,100–3,600 ILS per year (as of 11/2026), regardless of age or sex (ages 18–65). Some agencies add handling fees, so compare one all-inclusive annual figure.

Coverage

What is covered, and the limits to know

The content of the policy is fixed by the Foreign Workers Order, 2001, so basic coverage is the same with every insurer.

  • The national health basket, the drug basket and occupational health services, through the providers of Clalit or Meuhedet.
  • Emergency treatment, including during the waiting periods below.
  • A one-time compensation of 80,000 ILS for a caregiver found unfit for work after 10 years in the sector.
  • Pregnancy: not covered during the first 9 months of employment in Israel, except emergencies.
  • Pre-existing conditions: excluded for the first 3 years, except emergencies.

This is a general summary, not legal advice. The binding terms are the insurer’s policy and offer.

Questions

Frequently asked questions

Who pays for a caregiver’s medical insurance in Israel?

The employer buys and pays for the policy. In the caregiving sector the employer may deduct part of the cost from the caregiver’s salary: up to half, and no more than 168.80 ILS per month in 2026.

What does the insurance cover?

The services set by the Foreign Workers Order (health services basket for the worker), 2001: the national health basket, the drug basket and occupational health services, through the providers of the chosen health fund, Clalit or Meuhedet. The basic coverage is the same with every insurer.

Is pregnancy covered?

Pregnancy is not covered during the first 9 months of employment in Israel, except for emergencies.

Are medical conditions I had before covered?

Pre-existing medical conditions are excluded for the first 3 years, except for emergencies.

What is the 80,000 ILS compensation?

A one-time payment of 80,000 ILS to a caregiver who is found unfit for work after 10 years in the caregiving sector. The full conditions are in the policy.

Official sources (in Hebrew)

  1. חוק עובדים זרים, התשנ״א־1991, סעיף 1ד
  2. צו עובדים זרים (סל שירותי בריאות לעובד), התשס״א־2001
  3. תקנות עובדים זרים (שיעור ניכוי מהשכר בעד דמי ביטוח רפואי)
  4. רשות האוכלוסין וההגירה: חוזר מינהל עובדים זרים 09/2026
  5. כל־זכות: ביטוח בריאות לעובדים זרים
  6. כל־זכות: איסור העברת מידע רפואי של עובד זר מחברת הביטוח אל המעסיק

Sources last checked on 10.11.2026. Market prices as published by insurers and agencies, as of 11/2026.

More detail (pages in Hebrew)

Ready to sort out the insurance?

One all-inclusive annual price, for Clalit, Meuhedet or both. We remind you before the renewal date.

Get a quote Message 050-665-0889