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Health-Insurance Layers Planner
Israeli health cover has three layers: the tax-funded basic basket, the kupa supplemental plan, and a private commercial policy. Estimate what the optional layers cost your household per month.
One of the first surprises for olim is that Israeli health cover is not one product but three layers. The basic basket (sal briut) is universal and paid for by your health tax. On top of it sit two optional layers you buy: a cheap kupa supplemental plan (shaban) and a dearer private commercial policy. Most of the confusion, and the cost, lives in deciding how many layers your family actually needs.
This planner estimates the monthly premium for the optional layers by household size and age. Premiums climb steeply with age, so the same coverage costs a young couple a fraction of what it costs a retiree. The basic layer is shown as already funded by the health tax, so the figures are the extra you choose to pay.
These are typical mid-market ranges, not quotes. Premiums vary widely by insurer, plan tier, and health declaration. Read about the supplemental-insurance window for the timing that protects your enrolment, and get real quotes from your kupa and an insurer before you commit.
Your Household
typical 2026 ranges (varies widely by insurer)
Israeli health cover comes in three layers. The basic basket is funded by your health tax; on top, you can buy a kupa supplemental plan and a private commercial policy. Estimate the monthly premium for the optional layers. Figures are typical ranges, not quotes.
Adults
2
Children
2
Adults' age band (premiums rise sharply with age)
Coverage level
₪670
Typical monthly premium
₪8,040
Typical per year
₪445
Private layer adds / month
The three layers
Basic basket (sal briut)
Funded by health tax
Supplemental (shaban)
₪225/mo (₪170–₪280)
Private commercial
₪445/mo (₪320–₪570)
Typical total premium
₪670/mo (₪490–₪850)
The basic basket is already paid for by your health tax
Every resident gets the basic basket (sal briut) through one of the four kupot, funded by the national health tax deducted from your salary, not a separate premium. New olim are covered from arrival and get an initial period before health-tax contributions begin. The two layers priced above are the optional extras you choose to buy on top.
Supplemental versus private: what each adds
The kupa supplemental plan (shaban) is cheap and covers things like choosing your surgeon, some dental, second opinions, and overseas help. A private commercial policy is dearer and adds private surgery, drugs outside the basket, serious-illness cover, and transplants abroad. Many olim families take the basic basket plus supplemental, and add a private policy selectively for surgery and drug cover.
Why these are ranges, not quotes
Premiums swing widely with the insurer, the plan tier, and your age and health declaration, and they climb steeply as you get older. The figures here are typical mid-market ranges to help you budget the layers, not an offer. Get an actual quote from your kupa for the supplemental plan and from an insurer or agent for a private policy.
- Ministry of Health, the national health basket and the four health funds gov.il ↗ ↩Last verified: 2026-06-13
- Kol Zchut, supplemental and private health insurance explained kolzchut.org.il ↗ ↩Last verified: 2026-06-13
שתפו:
Frequently asked questions
The basic basket (sal briut) is the universal layer every resident gets through one of the four kupot, funded by the national health tax. The supplemental plan (shaban, or bituach mashlim) is an optional kupa add-on covering extras like surgeon choice and some dental. A private commercial policy is a separate, dearer layer for private surgery, drugs outside the basket, and serious-illness cover. The planner prices the two optional layers.
Not as a separate premium. The basic basket is funded by the national health tax taken from your salary. New olim are covered from arrival and get an initial period before health-tax contributions begin. What you choose to add, the supplemental and private layers, is where the monthly premiums above come in.
For most families, yes. The kupa supplemental plan is inexpensive and covers practical things the basic basket does not, like choosing your surgeon, second opinions, some dental, and overseas assistance. Many olim take basic plus supplemental as a baseline and decide separately whether to add a private policy for surgery and drug cover.
Both optional layers are age-rated, and a private commercial policy especially can cost a retiree several times what it costs a young adult. That is also why enrolling earlier, while premiums and health declarations are easier, usually pays off. Use the age band that matches the adults in your household to see the effect.
No, they are typical ranges to help you budget. Real premiums depend on the insurer, the plan tier, your age, and your health declaration, and can fall outside these ranges. Get an actual quote from your kupa for the supplemental plan and from an insurer or licensed agent for a private policy before relying on a figure.
Related reading
The supplemental-insurance window
The enrolment timing that protects your supplemental cover, and why it matters early.
Private health insurance for olim
When a private commercial policy earns its premium on top of the kupa layers, and when it does not.
Choosing your kupat cholim
How the four health funds differ, and how to pick the one that fits your family.
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- The national health basket and the four health funds — Ministry of Health gov.il ↗ ↩
- Supplemental and private health insurance explained — Kol Zchut kolzchut.org.il ↗ ↩
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