17.1 C
Jerusalem
Tuesday, April 21, 2026
Sample Page
Home Blog Page 152

ALIYAH BUDGET, FINANCES & MONEY MANAGEMENT

0
Reading Time: < 1 minute

Israel Aliyah budget, banking, finances, foreign currency, mortgages, money management & social security.

 

Banking


Foreign Currency


Financial Management

Israel Cost of Living

How much do you need a month to live in Israel?  Plan your Aliyah or relocation budget.

Consumerism

 

Shipping to Israel for Aliyah & Relocation

Reading Time: 2 minutes

Shipping to Israel for Aliyah & Relocation

shipping to israel for aliyah and relocation

Bringing a Car to Israel

Shipping a car to Israel. Should I bring a car to Israel or should I buy one when I get here? I wish I would have known about the hidden costs, the paperwork, the time wastage and lots of other details before I made the decision…

Import Duties & Rights for Shipping to Israel

The Israeli ports, storage, strikes, customs, security and what not to ship…

Israel Import & Customs Regulations

New Israel import and customs regulations on specific items.

Preparing and Packing a Container 

The measurements of standard household items – how to maximize space in the shipping container

Packing the Shipping Container

Measurements – what fits and what can I pack into a 6m (20 foot) container?

Personal Imports into Israel

Personal imports and regulations; Customs Tax, VAT & Purchase Tax on personal imports into Israel

Preparing, Packing, Shipping & Delivering your Israel Aliyah & Relocation Shipment

It’s time to get ready for the professional packing crew to show up. 

Shipping Costs to Israel

Prepare your Aliyah and relocation budget. Start planning early, get quotes, visual estimates and references.

Shipping for Aliyah – Shipping Terminology

An A – Z glossary of useful international shipping terms; demurrage, FCL, partial pack…

Shipping Questions & Answers

FAQs, aliyah grants, insurance, estimates and more…

What to Bring in Your Aliyah or Relocation Shipment

Your Aliyah shipment, tax free items and exceptions…

You may like these…

ISRAEL’s TRANSPORT SERVICES.

Reading Time: 3 minutes

Public & Other Transport Services in Israel

Hebrew: שירותי תחבורה ציבורית בישראל

public transport

Accident Procedure


Airports


Bus Services


Cable Car, Mifratz Haifa – Technion – University of Haifa


Car Hire, Renting & Sharing


Carmelit Underground Funicular – Haifa


Drinking & Driving Regulations


Driver’s License


Getting from Ben Gurion to Tel Aviv & Haifa


Jerusalem Road Works


Merkazit HaMifratz Central Station


Parking – free and paid, disabled, violations, tickets & fines


Rav-Kav – Smart Transport Card


Road Safety Tips


Road Signs


Sheruts (shared), Taxis & TikTak


Speed Limits for Israel


Street Names


Surveys


Toll Roads, Carmel Tunnels, Highway 6 & Route 22


Train Services – Israel Railways 


Traffic fines & violations


Transport Apps


Transport Tariff Reform

Vehicles

How many vehicles on Israel’s roads?

Hebrew-English Translations for newbies in Israel.

Reading Time: < 1 minute

A selection of Hebrew-English translations.

Translated household bills for these utilities and services. 

  • Bezek Bill
  • Cable TV
  • Electricity Bill
  • Mobile Phone
  • Property Tax – Arnona
  • Water Bill

Translations of the automated answering service and the Health Funds and public offices.

  • Kupat Holim Clalit
  • Kupat Holim Leumi
  • Kupat Holim Meuhedet
  • Kupat Holim Maccabi
  • Hevrat HaHashmal – Electric Company
  • Bituach Leumi – National Insurance

Banking terms and banking documents

  • Banking Terms
  • Bank Charges – Translation
  • Deposit Slip – Translation
  • Foreign Currency – Translation

Hebrew Slang

  • Aleph Bet of Hebrew slang with English and explanations
  • Slang video

Transliterated dictionary of Hebrew words & phrases by topic, with English translations

  • Free word sheets for dozens of topics

Emergency situations

  • How to call the emergency services for a all types of emergency situations; Hebrew, English and transliterations

Taxi fare

  • How to negotiate your taxi fare

Hebrew- English: Medical Terminology

Reading Time: < 1 minute

Learning Hebrew

Hebrew-English and Transliterated  Medical Terminology – Free Word Sheet

If you want to learn Hebrew fast, use this free medical terminology word sheet.

English Transliteration Hebrew
Alternative medicine Re’foo’a mush’li’ma רְפוּאָה אַלְטֶרְנָטִיבִית / מַשְׁלִימָה
Anti-septic cream Krem chitoi קרם חיטוי
Antibiotic Anti’bio’ti אַנְטִיבְּיוֹטִי
Appointment Tor תּוֹר
Blood pressure La’chatz dam לחץ דם
Branch (of Health Fund) Snif סניף
Child development Hit’put’choot ha’ye’led התפתחות הילד
Chronic illness Ma’cha’la kroni מחלה כרונית
Clinic Mir’pa’a מִרְפָּאָה
Dentist Ro’fe shi’ny’im רוֹפֵא שִׁנַּיִם
Doctor Rofeh רופא
Dosage Minun מינון
Ear, nose & throat specialist Af, o’zen ve ga’ron אף, אוזן וגרון
Emergency room Chadar miyoon חֲדַר מִיּוּן
Get well soon! Re’fu’a Shle’ma רפואה שלמה
Gynecologist Ro’fe na’shim ינֶקוֹלוֹג, רוֹפֵא נָשִׁים
Health insurance Bi’too’ach bri’yoot בִּטּוּחַ בְּרִיאוּת
Health fund Ku’pat ho’lim קופת חולים
Health basket Sal Habriut סל הבריאות
Health Bri’ut בריאות
Healthy Bari בָּרִיא
Hospital Bet cho’lim בית חולים
Illness Ma’cha’la מחלה
Pregnancy Ani be’he’ra’on הֵרָיוֹן
Join (a health fund) Hitz’ta’ref הִצְטָרֵף
Laxative medication Sum me’shal’shel סם משלשל
Laboratory Ma’a’ba’da מַעְבָּדָה
Medical Refuah רפוא
Membership card Kar’tis cha’ver כרטיס חבר
Midwife M’yaledet מְיַלֶּדֶת
Ministry of Health Mis’rad ha’bri’yoot משרד הבריאות
Medical equipment Tzi’yood re’fu’i ציוד רפואי
Medication Troofa תְּרוּפָה
Nurse Achot אָחוֹת
Nurse (male) Ach האח
Operation (surgery) Ni’too’ach נִתּוּחַ
Orthopedics Or’to’ped’i’ya אוֹרְתּוֹפֶּדְיָה
Pain Ke’ev כְּאֵב
Pediatrician Rofe yeladim רוֹפֵא יְלָדִים
Pharmacy Bet mer’ka’chat בֵּית מִרְקַחַת
Private Consultation Bi’kur pra’ti ביקור פרטי
Poison Ra’al רעל
Psychologist Psi’cha’log פְּסִיכוֹלוֹג
Psychiatrist Psi’chi’a’tor פְּסִיכִיאָטֶר
Prescription Mersham Refui מִרְשָׁם רְפוּאִי
Referral Haf’na’ya הַפְנָיָ
Sick Cho’le חולה
Side effects To’fa’ot le’vy תּוֹפָעַת לְוַאי
Similar medicine Troo’fa do’ma תרופה דומה
Specialist physician Moom’che מֻמְחֶה
Treatment Ti’pul טִפּוּל
Urologist Yu’ro’log אוּרוֹלוֹג
Vaccination Chi’sun חִסּוּן
Weight Mish’kal משקל

Public & Private Hospitals in Israel

Reading Time: 4 minutes

Israel’s Public Hospitals & Medical Centers

Hebrew: בתי חולים פרטיים וציבוריים בישראל

Hopefully you will never need to be admitted to hospital.  But if you do, there is a choice of being hospitalized in government-run or private hospitals or medical facilities.  The Health Funds work in conjunction with the government hospitals and also with some private medical facilities. Some treatments and services are only offered at hospitals on an outpatient basis.

Rambam Health Care Campus – Haifa (Image credit: Rambam.org.il)

Tofes 17 – The Hitchayvut

Should you need to go to a public hospital for any reason, you will be required to present a “participation of payment authorization” (hitchayvut) from your the health fund.  The “hitchayvut” is also referred to as “Tofes 17” – Form 17 (translation here). The payment authorization is only provided upon the presentation of a doctor’s referral.  If you are taken to the emergency room, and depending on the circumstances, you may have to provide a authorization (hitchayvut) to the hospital within a certain time after you have been discharged, as specified by them.

Maternity Hospitals

You can choose to deliver a baby at any of the government run hospitals in Israel that operate a maternity ward.  For convenience most women choose a hospital within their geographical area.  Should you be in another city for some reason, you will not be turned away from any hospital. Generally your own OB/GYN will not be present at the birth.  Midwives will assist you through your labor and a normal delivery.  Any emergency intervention will be treated by the team of doctors on duty and midwives.  The midwives are very experienced and you can trust them. It is comforting though if your gynecologist is affiliated to the hospital at which you are giving birth. He may even be on duty when you deliver and he can always check in on you after the birth.

List of Hospitals in Israel & Telephone Numbers

Abarbanel Mental Health Center Bat Yam 03.5552626
Alyn Hospital Pediatric and Adolescent Rehabilitation Center Jerusalem 02.6494222
Assaf Harofeh Medical Center Ramla 08.9779999
Assuta Hospital Petah Tikva 03.9053535
Assuta Medical Center Tel Aviv 03.7644444
Atidim Medigroup Hospital Tel Aviv 03.6499133
Baruch Padeh Medical Center, Poriya Tiberias 04.6652211
Barzilai Medical Center Ashkelon 08.6745555
Beit Rivka Geriatric Medical Center Petah Tikva 03.9373801
Bikur Holim Hospital Jerusalem 02.6464111
Bnai Zion Medical Center Haifa 04.8359359
Carmel Medical Center Haifa 04.8250211
Chaim Sheba Medical Center Tel Hashomer 03.5303030
Dana Children’s Hospital Tel Aviv 03.6974444
Edith Wolfson Hospital Holon 03.5028211
Elisha Hospital Haifa 04.8300000
Emek Medical Center Afula 04.6494000
Geha Mental Health Center Petah Tikva 03.9258200
Hadassah Hospital – Har HaTsofim Jerusalem 02.5844111
Hadassah Medical Center – Ein Kerem Jerusalem 02.6777111
Herzliya Medical Centers Herzliya 09.9592555
Herzog Hospital Jerusalem 02.5316817
Hillel Yaffe Medical Center Hadera 04.6304304
Holy Family Hospital (Italian Hospital) Nazareth 04.6508950
Kaplan Medical Center Rehovot 08.9441211
Laniado Hospital – Sanz Medical Center Netanya 09.8604662
Lis Maternity Hospital Tel Aviv 03.6974444
Lowenstein Hospital – Rehabilitation Center Raanana 09.7709090
Maaynei Hayeshua Bnei Brak 03.5771111
Magen David Adom in Israel – Emergency 101
Meir Medical Center Kfar Sava 09.7471758
National Institute for Rehabilitation of the Brain Injured Tel Aviv 03.5650820
Nes Ziona Psychiatric Hospital Nes Ziona 08.9284074
Rabin Medical Center Petah Tikva 03.9377377
Ramat-Aviv Medical Center Tel Aviv 03.6401234
Rambam Medical Center Haifa 04.8543111
Reuth Medical Center Tel Aviv 03.6383666
Schneider Children’s Medical Center Petah Tikva 03.9253253
Shaar Menashe Mental Health Center Hefer 04.6278888 
Shaare Zedek Medical Center Jerusalem 02.6555111
Shmuel Harofe Geriatric Medical Center Beer Yaakov 08.9258666
Shoham Medical Center for Geriatric Medicine Pardes Hana 04.6375656
Soroka Medical Center Beer-Sheva 08.6400111
Talbiya Psychiatric Hospital Jerusalem 02.5669422
Tel-Aviv Sourasky Medical Center Tel Aviv 03.6974444 
Western Galilee Hospital Nahariya  04.9107107 
Yoseftal Medical Center Eilat 08.6358011
Ziv Medical Center Safed (Tsfat) 04.6828811

Private Healthcare Centers & Hospitals

Private hospitals offer all the services of a government run hospital.  The lines and waiting times are shorter and the care is much more personalized.  Some private healthcare centers offer only specific treatments and the health funds sometimes use these facilities for tests and treatments. You may be able to speed up an operation or treatment if you go to a private hospital or medical center.

Family Health Clinics – Tipat Halav

The Family Health Clinics (Tipat Halav) run by the Ministry of Health, are responsible for pre-natal and post-natal services to mothers and infants regardless of the health fund you belong to.  During your pregnancy, amongst other things, the community nurses will check your weight and take your blood pressure. They administer inoculations to your child at the appropriate intervals and check on their general well-being.  They weigh, measure, give nutritional advice for infants, check development and give breast feeding advice.  They also provide a list of doulas that you can contact, should you want to make use of one during a birth.

Poison Information Hotline

The Israel Poison Information Center at Rambam Hospital in Haifa
04-7771900 (24/7)

The Israel Ministry of Health

The Israeli Ministry of Health (Misrad Habriut):  website – www.health.gov.il  Tel: 02- 670 5705

Ombudsman (for public complaints, health fund issues as well as the basket of health services): Tel: 02-568 1234

Filling a prescriptions for medications.

Reading Time: 3 minutes

How do I fill a prescription for my meds in Israel?

prescription meds
Rx is an abbreviation for the Latin word “recipere” or “recipe”. In the days before manufactured drugs, apothecaries would write out a formula for medications.

The Health Basket (Sal Briut)

Israel’s health-basket (Heb: sal briut) offers a large selection of medication for all types of illnesses and ailments. However, not all the drugs you are familiar with, from your country of origin, are available here or are included in the health basket.

Make sure that details of all your required medications are included in the doctor’s report you bring with you when you relocate to Israel.

There is a large selection of imported medications available here, however if the medication you require is not available or is not in the health basket, your doctor may be able offer you one that is locally manufactured or a generic equivalent.

Health Fund Participation

You will not pay the full price for medication if it is covered by the “Sal Briut”.  You are responsible for a percentage and the Health Fund covers the rest.  Check on health-fund participation fees before you become a member of the fund.  You may be required to pay as little as 10 per cent of the cost of the medicine or as much as 90 per cent.

Your prescription

You can have your prescription filled at the pharmacy.  Check that your local pharmacy works with your Health Fund.  You can also have your prescriptions filled at the Health Funds’ own pharmacy. These are usually located at the main branch of your health fund in your city.  These pharmacies may also discount their prices a little on over-the-counter – OTC – pharma items)

At your doctor’s appointment, you will be given a copy of your prescription.  (Clalit and Maccabi no longer issue paper prescriptions – they are accessible online). The prescription will include the brand name, generic name and dosage instructions.  The doctor’s license number, signature and stamp validates the prescription.  There is usually an expiry date on the prescription and the prescription cannot be filled after this time unless your doctor requests and approves an extension.

If you have a chronic condition, your specialist will give you 3 prescriptions one for each of the following three months.  When the 3 months are up you can ask your family doctor to issue a repeat  prescription.

If you are seeing a specialist privately (not via Kupat Holim), he will prepare a report including the recommended medication.  If the medication is included in the Sal Briut, you must take the report to your family doctor and he will issue the prescription.  If the medication is not in the Sal Briut, you are responsible for the full cost of the meds.

OTC’s – over the counter medications/non-prescription medications are available at pharmacies. Some supermarkets may keep basic first aid medication and supplies.

Remember – Safety First!

  • Always read the package insert, the literature is mostly provided in English, Hebrew, Arabic, Russian and Amharic.
  • Consult your doctor or pharmacists if you have any doubts regarding your medication.
  • Please keep medications out of the reach of children
  • Do not share your medication with anyone else.
  • Don’t keep any unnecessary medication in the house, and destroy any medication that has passed its expiry date
  • Many medications look the same so wear your glasses and make sure you are taking the right tablet

Tips for Olim

  • When you relocating or coming on Aliyah, bring a 3-6 month supply of your prescription medication with you. This gives you enough time to find a new doctor.
  • If you have a prescription from abroad, your new physician in Israel will prescribe a local equivalent.
  • First prescriptions will not be issued without a physical examination.
  • Keep a note of all your prescription medications, trade and generic names as well as the dosage, in your smartphone. This way, you are able to give this important information to any medical professional who may need it, at any time. This is especially useful in the initial stages of your aliyah and relocation when you may be going from doctor to doctor and are not yet familiar with local brand names.

At the pharmacy

When paying for your medication at the pharmacy, you will be required to present your Health Fund membership card.

Check the dosage instructions with the pharmacist and that the dosage is clearly marked on the package.  The dispensing of medications and labeling of instructions in Israel, are not the same as in other countries.

How do doctors’ appointments & fees work in Israel?

Reading Time: 3 minutes

Making a doctor’s appointment & paying the fee in Israel.

Hebrew: תורים לרופאים

Doctors appointment 

Here is how it works!

Residents – once you have chosen and joined a health fund you are entitled to medical assistance.  You should choose your general family physician (GP)  from the list of doctors provided by the Fund.  You can choose a GP on the basis of recommendation, location, hours, languages spoken etc. Appointments can be made by telephone or online via the Health Fund’s website.  Most doctors require that you make an appointment ahead of time, but some will say “just come”. An appointment with a GP is generally 10 minutes long.  As it is generally impossible to keep to such a timetable, be prepared to be kept waiting.

Your appointment

Not all doctors clinics are well organized, some have administrative staff, some do not.  If there is an assistant he/she will manage the doctor’s diary and call you in for your appointment.  If there is no assistant, things become a bit more complicated.  Be prepared for anything.  In some clinics you will be allocated a number and then you will have to patiently wait your turn. Sometimes, a patient will walk into the waiting room and ask “who is last?” (Heb: mi acharon?) – the last person will identify himself and all is well – everyone takes their turn in a calm and well organized manner. You may also be asked “what time is your appointment?” (Heb: le ayze shaa ata moozman?). Be careful, sometimes you can get into a heated discussion with someone who came after you, but insists his appointment is before yours.  In some cases, a list of appointments and times is displayed in the waiting room and that should settle that argument.

Be prepared to negotiate the situation and try not to get too upset by this behavior.  Like it or not, that is just the way it is in Israel.

The doctor’s fee

When you finally get to see the doctor, he will ask you for your Health Fund membership card.  You are required to pay a nominal fee for the doctor’s visit.  You are only required to pay this fee quarterly irrespective of the number of appointments you have had with this doctor during the quarter.  Should you wish to change doctor in the middle of the quarter, you may have to pay a fee for that privilege.  Check with your Health Fund and verify their rules and regulations.

Visits to specialist physicians cost more.  There is also a participation fee for out-patient services, home visits, other therapies and treatments.  Check out the costs for the type of treatment you require (for a chronic condition) before becoming a member of a particular Health Fund.

It is most convenient, when you join your Health Fund, to arrange that the fee for any doctors visits automatically be deducted from your bank account together with your membership fees.  You will receive a statement of account with all doctors visits clearly itemized.

Private doctors

You have the choice to go privately if you can afford it.  For instance, the Health Fund may only pay for a specified number of visits to the gynecologist while you are pregnant – if you want additional care you can go privately. Some doctors, also affiliated to the Health Funds, have private practices.  Some doctors are not affiliated to any Health Fund and therefore any visit is on a private basis only.

Private visits are expensive but are sometimes necessary. The Health Fund has rules regarding private doctors too.  You may be eligible to receive a reimbursement for part of the cost of the private visit.  You are not entitled to the Health Fund discount on medications prescribed by a private doctor.  It is sometimes possible to ask your Health Fund GP to give you a prescription for the medication stipulated by the private physician.

When dealing with private doctors you may be able to hasten treatments and surgeries that otherwise might take a long time via the Health Fund.

Generally speaking, there is a wide enough choice of doctors and specialists in each Health Fund. There are many Anglo doctors and most Israeli doctors speak English.  Happily, we have the privilege of being able to obtain good care from the national health and we can go privately if we so choose.

 

Israel healthcare for non-residents.

Reading Time: < 1 minute

Health-care options for non-residents of Israel

Hebrew: ביטוח רפואי וניתוחים פרטיים לאזרחים זרים בישראל

 Health care for non-residents

Israel has an outstanding healthcare system and during the coronavirus, that has been proven.  Israel forged ahead, and lead the way, with it’s vaccination campaign, keeping schools and the economy open.

Generally medical and healthcare is affordable.  Supplementary healthcare is available as an add-on to the basic healthcare package.

There is separate legislation for non-residents of the country, living in Israel – tourists, diplomats, students, businesspersons, and other foreign nationals or individuals who have do not (yet) have residency status.

Maccabi Health-care Services and Clalit Health Services offer insurance for non-residents together with a wide range of facilities and services; primary physicians, pediatricians, specialists, laboratory tests and clinics, imaging, referral to hospital emergency rooms and hospitalization, and medications included in the national health care basket.

Non-residents can also purchase health-care insurance from the many private insurance companies in Israel like Clal, Harel, AIG etc. via an insurance agent or online via the insuring company’s website.

Calling the Israel Ambulance service.

Reading Time: 3 minutes

Calling the Israel Ambulance service and your entitlements.

Hebrew: הזמנת אמבולנס

 

Emergency Telephone Number – 101

 israel ambulance service

First step to calling an ambulance in Israel

Make sure that the emergency services telephone numbers are prominently positioned around your home.   Dialing 101 from any phone in Israel connects you with MADA – Magen David Adom – the emergency medical response unit.  The ambulance and paramedics will come to your aid, and give you the best care possible and transport you to a hospital if necessary.

Under the provisions of the National Health Insurance Law, a health-fund member (insurant) is eligible to receive partial or total participation in ambulance evacuation fees in the following cases as outlined by the Ministry of Health:

  • Anyone covered by national health insurance who is evacuated to a hospital by Magen David Adom (MADA) and is subsequently hospitalized is automatically entitled to full funding of ambulance evacuation costs
  • Anyone covered by national health insurance who is evacuated by MADA in a mobile intensive care unit (“NATAN”) and is not subsequently hospitalized is entitled to partial funding of the evacuation costs
  • One who is evacuated by a regular ambulance (not an intensive care unit) and not hospitalized must pay for the evacuation except in certain cases.  For specifics and more information, see the “Kol HaBriut website and the Ministry of Health’s English website

An insurant that was taken by an ambulance should approach a health fund clinic as soon as possible and present the ambulance report and bill. This, in order to settle the payment through the Health Fund, according to the above-mentioned regulations.

It is also recommended to make inquiries as to whether any other eligibility exists, beyond the regulations that are specified above and within the framework of the Fund or of the Fund’s supplementary insurance.

An insurant who doesn’t settle payment through the Health Fund within 60 days of receiving ambulance services, is obliged to pay the entire sum to the ambulance company. Thereafter, he may contact the Health Fund and ask for a partial or total reimbursement, in accordance with the regulations.


Calling your Health Fund can be a headache so we’ve translated their automated answering machines from Hebrew to English


Private Ambulance Services

Private ambulances are available countrywide, for your medical transport requirements if you are not covered by the Health Funds.

In any case of doubt, you may approach the Ministry of Health’s complaints commissioner.

Contact Tel: 02-5681257, Fax: 02-5655981 – 29 Rivka St., Jerusalem

Health Tips

  1. Hospital bills not covered by the Health Funds, are payable within 14 days.  Ambulance bills are payable within 30 days.
  2. Have regular family drills!  Explain and show young children how to call an ambulance or any emergency service.


Some rules are just ridiculous!

Myra, one of our readers wrote in..

After an unfortunate medical emergency, I took my hospital discharge and ambulance bills to my health-fund for settlement.  In spite of the law, I was surprised when I was told that I had to pay 50% of the ambulance bill.  I was told by the health-fund representative that the only way to ensure that I was fully covered for an ambulance and an hospital stay (which was not the result of a doctors referral), is to call the health-fund’s emergency number, ask for the nurses station, and explain the nature of the health problem to them.  They will then authorize and arrange an ambulance if necessary (and payment) as well as any hospitalization or emergency-room treatment, if required. In my case it was not possible to call the Health Fund for pre-approval as I was unconscious.  My young children did a fine job calling the ambulance and did their best to cope with this emergency on their own – they would never have been able to call the health fund for pre-approval.