Moving to a new country can be an exhilarating yet challenging experience, especially when it comes to navigating the healthcare system. This rings particularly true for Olim Chadashim — new immigrants to Israel — who not only have to adapt to a different culture and language but also need to understand and access the Israeli medical system effectively. Israel has universal healthcare funded through Bituach Leumi contributions, which means medical care in Israel is accessible to every resident from the day they arrive. For those who were already on medication before making the move, the need for continuity in healthcare and accessing necessary medications becomes even more crucial.
In this article, we will explore two vital aspects of the Israeli healthcare system for Olim Chadashim. Firstly, we will look at the structure of Israeli health insurance (Kupat Cholim) — including Clalit Health Services, Maccabi Healthcare Israel, Meuhedet, and Leumit — and the role of primary care physicians and specialists. Secondly, we will address the specific challenges faced by those who were on medication prior to their arrival and provide guidance on transferring medical records, registering with a Kupat Cholim, accessing medications, and seeking specialist care.
Accessing Medications in Israel
When it comes to accessing medications in Israel, it is essential for Olim Chadashim to familiarize themselves with the process. To fill a prescription, individuals will typically need to present a valid Kupat Cholim card and the required prescription documentation. One of the genuine surprises for Olim coming from the US is how affordable prescription medications are in Israel — the cost of healthcare in Israel is dramatically lower than in countries with private insurance systems.
Kupat Cholim provides reimbursement for medications based on a “Formulary” list, which outlines the medications covered by the healthcare system. Familiarizing oneself with this list and understanding the reimbursement rates can help individuals plan their healthcare expenses effectively.
Ensuring the continuity of medication supply is crucial for individuals who were already on medication before moving to Israel. It is advisable to plan ahead and have an adequate supply of medication during the transition period. Renewing prescriptions in Israel requires obtaining new prescriptions from local healthcare providers, and being aware of potential medication substitutions.
Understanding the Israeli Medical System
The Israeli medical system can initially appear complex, especially for Olim Chadashim who are new to the country. Israel has universal healthcare — in place since 1994 under the National Health Insurance Law — meaning every resident is guaranteed access to a comprehensive basket of medical services regardless of income or pre-existing conditions. By gaining an understanding of its structure, navigating the system becomes more manageable.
The public healthcare system is primarily provided through health maintenance organizations known as Kupot Cholim. These organizations — Clalit Health Services, Maccabi Healthcare Israel, Meuhedet, and Leumit — offer comprehensive healthcare services including primary care physicians and specialist consultations. Private healthcare options are also available, typically offering a wider range of services at higher costs. For a detailed comparison of the four funds, see our guide to choosing a Kupat Cholim in Israel.
Upon arrival, Olim Chadashim have 90 days to choose and register with a specific Kupat Cholim. The chosen Kupat Cholim then provides primary healthcare services, referrals to specialists, and coverage for medications and treatments. Each Kupat Cholim has its own network of clinics, hospitals, and affiliated healthcare providers.
Primary care physicians — known as “Kupat Cholim doctors” — play a central role in the Israeli medical system. They serve as the first point of contact for patients, providing general medical care, referrals to specialists, and prescribing medications. Establishing a relationship with a primary care physician, including an English-speaking doctor if needed, is important.
Transferring Medical Records and Prescriptions
For Olim Chadashim who were on medication or received medical treatment before moving to Israel, it is important to transfer their medical records and prescriptions to ensure continuity of care.
Before departing from their home country, individuals should request their medical records from their previous healthcare providers. It is advisable to have these records translated into Hebrew or English to facilitate communication with Israeli healthcare professionals.
Upon arrival in Israel, Olim Chadashim should register with a chosen Kupat Cholim. We cannot emphasize this enough!
During the registration process, it is essential to provide copies of the translated and certified medical records. These records will assist Israeli healthcare professionals in understanding the individual’s medical history and providing appropriate care. Upon registration, scheduling appointments with primary care physicians is recommended to discuss existing medical conditions, medications, and treatment plans.
Seeking Specialist Care
In Israel, primary care physicians serve as the gateway to specialist care. To access specialized medical services, individuals usually require a referral from their primary care physician. Many specialists in Israel speak English, which is particularly helpful for new Olim who are still developing their Hebrew. Maccabi Healthcare Israel in particular is well regarded for its digital tools — appointment booking, test results, and specialist referrals can all be handled through the Maccabi app without needing to call.
Supplementary Insurance (Mashlim)
Beyond the basic health basket, each Kupat Cholim offers supplementary insurance (Mashlim) for an additional monthly fee — typically NIS 80–200 per adult. The supplementary plan covers faster access to private specialists, enhanced dental coverage, vision care, and expanded mental health services. Most Olim are advised to enroll in the supplementary plan at the same time they join their Kupat Cholim. The cost of healthcare in Israel with a supplementary plan is still dramatically lower than private insurance in most Anglo countries.
Private Insurance
We couldn’t finish this article without mentioning our trusty insurance providers:
Health Advize is an Israeli based Medical Advocacy and consulting company. We help English Speakers navigate the Israeli health care system, maximize medical benefits, and find the doctors and services that are right for you and your loved ones. Aviva Yoselis, MPH, BCPA is the CEO and lead consultant of Health Advize, founded the company after seeing so many new (and established) immigrants fall through the cracks, and not receive the health benefits to which they were entitled. She has over 25 years of experience in health advocacy and health systems navigation.
Conclusion
As Olim Chadashim embark on their new journey in Israel, navigating the Israeli healthcare system and accessing necessary medications and specialized care may initially seem challenging. But Israel’s universal healthcare system — with its four Kupot Cholim, comprehensive basic basket, and affordable supplementary plans — is one of the genuine advantages of life in Israel. Armed with knowledge, preparation, and proactive engagement, Olim Chadashim can confidently navigate the Israeli medical system and ensure continuity of care for their well-being.