What are the four HMOs in Israel and how do I choose between them?

Israel has four kupot cholim: Clalit, Maccabi, Meuhedet, and Leumit. They all provide the same basic health basket (sal briut) mandated by law, but differ in supplementary insurance packages (shaban/mushlam), specialist availability, clinic locations, and digital services. You can switch HMOs once a year during the transfer window.

What should I do in a medical emergency in Israel?

Call MDA (Magen David Adom) at 101 for ambulance dispatch. For non-life-threatening urgent care, visit a Terem clinic. Israel has 5 Level-1 trauma centers (Rambam, Sheba, Hadassah, Soroka, Rabin). ER visits have a copay unless referred by your HMO or arriving by ambulance.

How do I access mental health services through my kupat cholim?

Since the 2015 mental health reform, all psychiatric and psychological care is provided through the kupot cholim. You can get a referral for subsidized therapy (CBT, EMDR, etc.) from your primary care doctor. For crisis situations, call ERAN at 1201 or Natal for PTSD support.

How does long-term elder care work in Israel?

Bituach Leumi provides gimlat siud (long-term care benefit) based on a dependency assessment. This covers home aide hours. Additionally, kupot cholim offer private nursing care insurance (bituach siudi). For residential options, there are beit avot (nursing homes) and diur mugan (assisted living). Advance planning with yipuy koach mitmashech (enduring power of attorney) is recommended.

Israeli Health Navigator

Navigate Israel's healthcare system: HMOs, emergencies, mental health, elder care, and nutrition

3 skills|0 installs|

All bundle skills in one chat

Israel's healthcare system is universal but complex. Four competing HMOs (kupot cholim), a government-mandated health basket, supplementary insurance tiers, mental health reform, elder care benefits through Bituach Leumi, and emergency services that work differently from most countries. This bundle combines five skills that help you navigate all of it.

Who is this for?

New immigrants (olim) trying to understand which HMO to join and what they're entitled to
Parents comparing pediatric care, supplementary insurance, and specialist access across HMOs
Anyone seeking mental health support through their kupat cholim or crisis hotlines
Adult children caring for aging parents and navigating long-term care benefits
Health-conscious individuals wanting to plan meals based on Israeli nutrition guidelines

What you get

Israeli HMO Navigator -- compare Clalit, Maccabi, Meuhedet, and Leumit: services, supplementary insurance, specialist referrals, and how to switch
Israeli Emergency Guide -- MDA (101), Terem urgent care, hospital ERs, trauma centers, triage, patient rights, and when to call vs when to go
Israeli Mental Health Navigator -- therapy through kupot cholim, the 2015 reform, subsidized sessions, crisis hotlines (ERAN 1201, Natal), PTSD support, and workplace mental health rights
Israeli Elder Care Navigator -- Bituach Leumi gimlat siud, private nursing insurance, nursing homes vs assisted living, home care, enduring power of attorney, and guardian appointment
Israeli Nutrition Planner -- Ministry of Health nutritional rainbow guidelines, red/green food labeling, weekly meal planning, and kosher meal separation

npx skills-il add-bundle health-navigator -a claude-code

Install on Claude.ai, Claude Desktop, ChatGPT, Manus, or other platforms

1. Click "Download ZIP" to download the bundle files.
2. Open Claude Desktop and go to Customize > Skills.
3. Click "+" and select "Upload a skill", then upload each ZIP file from the bundle.
4. Start a new conversation. The skills will activate automatically when relevant.

A new version released? How to update your installed skills

Not sure how? Read the guide

Try These Prompts

Compare HMOs

Compare Maccabi vs Clalit for a family with two kids in central Israel. Which is better for pediatricians, supplementary insurance (shaban), and specialist wait times?

Find mental health care

I need a psychologist through Maccabi. How do I get a referral, how many subsidized sessions am I entitled to, and what's the copay per session?

Caring for aging parent

My 82-year-old mother needs daily help. How do I apply for Bituach Leumi long-term care benefit? What's the difference between gimlat siud and the HMO's private nursing insurance?

Skills in this bundle

Israeli HMO Navigator

Trusted·86

Author: skills-il

v1.1.0Popular

Navigate Israel's four HMOs (kupot cholim) and healthcare system for service comparisons, referrals, and coverage decisions. Use when user asks about Clalit, Maccabi, Meuhedet, Leumit, health basket, specialist referrals, supplementary insurance, or switching HMOs.

Ask the Skill

0.0431,096

Claude CodeCursorGitHub Copilot+5

Israeli Emergency Guide

Trusted·86

Author: skills-il

v1.1.0Popular

Guide to Israeli emergency services, hospitals, trauma centers, and urgent care. Use when a user needs information about calling MDA (Magen David Adom), visiting Terem urgent care, navigating hospital ERs, understanding triage, or learning about patient rights during emergencies in Israel. Covers the 5 Level-1 trauma centers, ER copay rules, blood donation through MDA, and when to call 101 vs go to Terem. Do NOT use for non-Israeli emergency systems or medical diagnosis.

Ask the Skill

5.034932

Claude CodeCursorGitHub Copilot+5

Israeli Mental Health Navigator

Trusted·86

Author: skills-il

v1.1.0Popular

Guide to mental health services in Israel including therapy through kupot cholim, crisis hotlines, PTSD resources, and workplace mental health rights. Use when a user needs information about accessing psychiatric or psychological care, finding subsidized therapy, understanding the 2015 mental health reform, using crisis lines like ERAN (1201) or Natal, or navigating PTSD recognition through Bituach Leumi. Covers CBT, EMDR, private therapy costs, and employee mental health days. Do NOT use for clinical diagnosis or medication recommendations.

Ask the Skill

0.038965

Claude CodeCursorGitHub Copilot+6