Israeli HMO Navigator
Community67/100Navigate 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.
Trust score 67/100 (Community) · 210+ installs · MIT license
Israel's healthcare system with four competing HMOs, multi-tier coverage levels, and Hebrew-language processes can be confusing, especially for new immigrants or when comparing supplementary insurance options, understanding referral procedures, or knowing patient rights under the National Health Insurance Law.
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Developers? Install via command line (CLI)
npx skills-il add skills-il/health-services@v1.3.0-israeli-hmo-navigator --skill israeli-hmo-navigator -a claude-codeWhen to Apply
- When comparing services and coverage across Clalit, Maccabi, Meuhedet, and Leumit
- When a new immigrant needs to choose an HMO (kupat cholim)
- When understanding the specialist referral (hafnaya) process and wait times
- When deciding whether to purchase supplementary insurance (biituach mashlim)
- When switching between HMOs or understanding transfer waiting periods
Try These Prompts
I just made aliyah to Tel Aviv. Compare Clalit vs Maccabi for a young couple with no children
My doctor gave me a hafnaya to a dermatologist. What are the steps and how long should I wait?
Compare supplementary insurance (mashlim) plans across all four HMOs for a 35-year-old
What dental coverage is available through kupat cholim supplementary insurance vs private dental plans?
Frequently Asked Questions
Changelog
Added MyHealth (Marpe) national patient portal context, refined wait-time guidance (no single binding national cap as of mid-2026), added Gotchas about Iron Swords war HMO operational shifts and annual membership-number variability, added Ombudsman escalation link.
May 25, 2026
Critical fix: Maccabi Zahav is entry tier and Sheli is premium (was inverted), updated all 4 kupot tier table, copay ranges refreshed, 2026 health basket additions noted.
Apr 25, 2026
Fixed broken MCP links, corrected HMO switching rules (up to twice in 12 months with 6 fixed dates), corrected wait time claims, updated Leumit membership data, added Reference Links section
Apr 11, 2026
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