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The Mother of All Lists for Health Insurance and Pregnancy in Israel

September 2, 2018

 

It can easily get confusing when it comes to all the different health insurances in Israel and what they have to offer women during their pregnancies, so I made this list after some intensive research today. I hope it will help women better understand exactly what they can get money back for and which things they should even keep on their radars, to ask about later! 

Clallit Mushlam Platinum


You have a Sal Herayon, a pregnancy package, of up to 8,040 NIS, after 9 months of being on the program. You can get money back up to 6 months after birth, as well as during pregnancy for certain things. 

These are the services they offer discounts for, as well as money back:
- Doula
- Blood bank storage
- Sleep consultant for baby
- Private nurse in the house
- Personal fitness coach for after birth and/or nutritionist
- Doppler for checking the baby's heart rate
- 3 days in a recovery facility after birth and then 6 days from the 4th child and onward
- Consultation with a specialist doctor
- Private childbirth education class
- Umbilical blood bank storage
- Certain Medical supplies when needed
- Money back for an abortion when it's deemed necessary by the vaada of herayon

These are the supplies they offer discounts and money back for:
- Nursing pads, silicon nipples, phalanges for pumps, milk storage bags, breast pump
- Supplies for strengthening the pelvic floor

These are the pregnancy tests they offer discounts and money back for: 
- Skirat Mukdement and Murchevet
- Amnio
- Placenta Chorion test
- Nuchal translucency test
- Biochemical testing for genetic disorders
- Blood tests for down syndrome of the fetus
- Triple test of the fetus
- Classes for birth and pregnancy
- Gynaecological Ultrasound
- Pills for pregnancies (including medication for nausea)
- Heart Echo
- ECV for pregnancy
- Developmental follow ups for the baby
- Genetic tests for during pregnancy

For more information on exactly what Clallit has to offer it's customers, check out their site here

Maccabi Sheli


You have a Sal Herayon, a pregnancy package, of up to 8,000 NIS, with a waiting period of only 6 months of being on the program. You can get money back for pregnancy, all the way through 6 months after birth. 

 

These are the services they offer discounts for, as well as money back:
- Doula
- Blood bank storage
- A stay at a recovery home within two months after birth of your first child
- After the original 3 you're allowed per year with Maccabi Sheli, you get an additional private checkup with a specialist doctor.

These are the supplies they offer discounts and money back for: 
- Breast Pump and Nursing bras (2), nursing pump bra instead of one of the 2 nursing bras, storage bags for freezing milk, pads for nursing, treatments and creams for nipples.
- Elastic socks to help with varicose veins and blood flow
- Back and stomach support belts
- Pelvic floor exercise supplies
- Doppler
- TENS machine
- An electric scale


These are the pregnancy tests they offer discounts and money back for: 
- Skirat Mukdemet/Murchevet with private doctors
- Private test of placenta chorion
- Amnio
- Nuchal translucency
- Cariotype test
- Genetic CHIP test
- NIPT
- Heart Echo
- ECV privately done
- Abortion or termination of pregnancy when deemed necessary by the committee

If you want to find out more about Maccabi Sheli, check out their website here!

Meuchedet C

 

You have a Sal Herayon, a pregnancy package, of up to 8,000 NIS, with a waiting period of 9 months of being on the program. You can get money back for pregnancy, and then only for 3 months following birth. 

These are the services they offer a discount and money back for: 
- Doula up to 5000 NIS with 75% back, within the 8000 Shekel limit.
- Private nurse for the house
- Lactation consultantant
- Sleep consultant for baby
- Nutritionist for mother
- A nurse for accompaniment during pregnancy
- Personal Fitness trainer for after birth- exercise consultant
- Three additional days in a Healing Center for the 4th kid and after, (until 270 NIS)
- Phone call with a nurse from Tipat Chalav and even a home visit for a first birth, after birth. (From the special nurse that took an extra course to get specialised in helping expecting mothers throughout pregnancy and postpartum)

These are the supplies they offer discounts and money back for: 
- Breast Pump and nursing supplies like pads, milk storage bags, breastfeeding phalanges, silicon nipples, and nipple cream
- Nursing bras (2)
- TENS machine for rental
- Supplies for pelvic floor therapy and strengthening

These are the pregnancy tests they offer discounts on and money back for:
- Skirot Mukdemet and Murchevet
- Amnio
- Placenta Chorion Test
- Nuchal Translucency
- Genetic testing
- Also return on NIPT (4,000 NIS)
- Up to 2538 shekel on storing umbilical cord blood
 

If you want to find out more about Meuchedet C, check out their website here!

Leumit Zahav


You have a Sal Herayon, a pregnancy package, of up to 8,000 NIS. You can get money back for pregnancy and for 6 months following birth. 

 

The services they offer discounts and money back for are as follows:
- OBGYN Followups
- Specialist followups (up to 3 a year) depending if they have an agreement with Leumit or not, there is a difference in the discount you receive
- Childbirth Education Classes (up to 80% and 306 shekel back for any course, and also an additional 75% back from the 8000 shekel amount
- Doula at birth, up to 75% from the 8000 NIS
- Cover Costs of storage for umbilical blood banking up to 75% of 8000
- Lactation Consultant (80% up to 163 shekel, up to 2 meetings,) and in addition 75% back up to 8000 NIS
- 3 days in a Healing Facility after birth, or 5 days after a cesarean surgery with a return of up to 80% up to 350NIS, but this isn't included in the 8000 NIS cost. From your third child you get an additional 3 days
- Sleep consultant for baby, up to 75% to 8000
- Personal Fitness trainer for after birth, up to 75% of 8000
- A private nurse in the home of the mother, up to 75% up to 8000 NIS

The supplies they offer discounts and money back for are:
- Breast Pump and the supplies that go with it (ex) nursing pillow, nursing cover, nursing pads, therapeutic pads for nipple pain, freezer bags for milk storage, cream for nipple treatment, silicon nipples, reminder bracelet for nursing)
- Pelvic floor strengthening weights and materials
- TENS machine for birth
- Doppler
- Electronic Scale
- Monitor for the baby
- Up to 2 breastfeeding bras

 

The pregnancy tests they offer discounts on and money back for are: 
- Various genetic tests, some you can just get for cheaper with a copay of 110 shekel and some tests you will get money back, up to 75% within the frame of the 8000 shekel
- Diclectin- for women with very bad nausea for only 150 NIS a month
- NIPT test
- The early ultrasound
- Nuchal Translucency (discount)
- Placenta Chorion Test (look up exact price but discount)
- The Early Systems Scan (discount)
- Amniocentesis (free for certain age groups, discounted for others)
- CHIP genetic testing

If you want to find out more about the services offered by Leumit, check out this website! 

This list is meant to give you a better idea of what your rights are and which services you deserve when you are paying to be part of the highest level of your healthcare system. This list is the most updated information I found online and by calling each healthcare service. Often the insurance companies switch these services around, so rather than relying on this as the final word, I highly recommend you call your insurance company and clarify the exact amounts, discounts, and returns you will receive for each individual service or item you purchase. I hope this was helpful for you to get an idea of the bigger picture and the slight differences between all of the different services! 

 

May you have a healthy, happy, and empowering pregnancy and birth! 

Love, 
Dina Devora Jacob
Your BirthBuddy Doula

 

Need help? Do you wish you could feel THIS PREPARED about everything for your birth? Reach out to Dina Devora Jacob here!

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Birth and Postpartum Doula

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