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Insurance & Benefits Cheat Sheet
Health insurance, Bituach Leumi, and government benefits available to olim in Israel.
קופת חולים
Kupat Cholim
One of four health maintenance organizations (HMOs) providing universal healthcare in Israel.
Literal: "Sick Fund"ביטוח משלים
Bituach Mashlim
Supplemental health insurance offered by Kupat Cholim for services beyond the basic basket.
Literal: "Supplemental Insurance"ביטוח לאומי
Bituach Leumi
Israel's social security system covering unemployment, disability, maternity, old-age allowance, and more.
Literal: "National Insurance"סל קליטה
Sal Klita
A financial package given to new olim over 6-12 months to assist with settling in Israel.
Literal: "Absorption Basket"דמי קיום
Dmei Kiyum
A Bituach Leumi subsistence allowance for olim who are not yet working.
Literal: "Subsistence Allowance"ארנונה
Arnona
Municipal property tax paid by occupants of residential and commercial properties. Olim get a discount.
Literal: "Municipal Property Tax"ביטוח חיים
Bituach Chaim
Insurance that pays a lump sum to your beneficiaries upon death. Often required by mortgage lenders and available through employer pension plans.
Literal: "Life Insurance"ביטוח סיעודי
Bituach Siudi
Long-term care insurance that covers the cost of a caregiver if you can no longer perform daily activities independently. Critical to enroll before age 65.
Literal: "Nursing Insurance"ביטוח נכות
Bituach Nechut
Disability insurance replacing income if illness or injury prevents you from working.
Literal: "Disability Insurance"דמי לידה
Dmei Leida
Maternity (and paternity) pay from Bituach Leumi replacing income during parental leave.
Literal: "Maternity Benefit"קצבת ילדים
Kitzvat Yeladim
A monthly child benefit paid by Bituach Leumi for every child in Israel regardless of income.
Literal: "Child Allowance"קצבת זקנה
Kitzvat Zikna
The state old-age pension paid by Bituach Leumi from retirement age, based on contributions record.
Literal: "Old Age Pension"