Returning residents? Everything you wanted to know about joining services for a resident of Israel

National insurance fees for returning residents

A returning resident aged 18 or older, who has been recognized as a resident of Israel (except for a married woman who is a housewife) must pay social security fees

The payment is calculated according to the income of the resident returning from work and not from work, and according to the insurance status established for him

Those who moved to live abroad and ceased to be a resident of Israel, and then returned to Israel to live there, should contact the National Insurance branch nearest to their place of residence and announce their arrival. The National Insurance official will check and decide whether the returning resident should be recognized as a resident of Israel.

• A returning resident will be entitled to receive the National Insurance benefits, in accordance with the law, and will have to arrange the payment of the National Insurance and health insurance premiums to the National Insurance Institution.

National Insurance Fees for Returning Residents

Information	Details
Who Pays Social Security Fees?	Returning residents aged 18 or older
Calculation of Payment	Based on income, insurance status
Contact for Recognition as Resident	National Insurance branch
Eligibility for National Insurance Benefits	According to the law
Insurance Premium Rates	Varied based on income and occupation

Target population and prerequisites

• Those who are defined as returning residents by the National Insurance Institute.

Who and how to apply

• You must contact one of the branches of the National Insurance Institute in order to determine residency at the National Insurance Institute. At the time of referral, you must fill out a questionnaire for determining residency for a returnee from abroad (form 628) and attach which relevant documents.
• Those who have been recognized by the Office of Immigrant Absorption as a “returning resident in entitlement track 5 or above” (for those who have stayed abroad for 5 years or more) or as a returning minor or as an immigrating citizen, may already during his visit to the Absorption Office submit an application to the National Insurance to recognize him as a resident and to be registered in the HMO In this case, that resident will be able to fill out and submit a claim for child allowance, if he has children who have not yet turned 18 years old.

The insurance premium rate

• The National Insurance and Health Insurance premiums are calculated according to the income from work and non-work of the returning resident, and according to the insurance status established for him:
• National insurance premiums for an employee
• National insurance premiums for the self-employed
• National insurance premiums for those who do not work
• National insurance fees for students
• National insurance fees for yeshiva students

Important Information

• A returning resident is not entitled to allowances given as compensation for loss of income from work: maternity benefits, maternity benefits, unemployment benefits, bankruptcy of the employer. Only after he accumulates periods of work as required, he may be eligible for these benefits.
• To receive the medical services according to the state health insurance law, the returning resident will have to wait a waiting period of several months, but there is a possibility to redeem the waiting period.
• For inquiries regarding returning residents, you can contact the National Insurance Institute in one of the following ways:
• Using a personal inquiry form.
• Through a call center for callers from abroad: 972-8-9369669. The service is provided on Sunday – Thursday between the hours of 8:00 – 15:00 in 4 languages: Hebrew, Arabic, Russian and Amharic.

Joining Health Insurance for Returning Residents

Information	Details
Waiting Period for Health Services	Up to 6 months, can be redeemed with a fee
Eligibility Without Waiting Period	Minors, discharged soldiers, immigrants, others
Calculation of Waiting Period	Based on days abroad
Redemption of Waiting Period	Possible with a fee
Payment Methods for Redemption	Credit card, bank check

Joining a returning resident to health insurance

A returning resident who is more than 12 payments late to the National Insurance Institute will be entitled to health services in Israel only after a waiting period of up to 6 months

The waiting period can be redeemed by paying NIS 13,740 (as of January 2023)

A resident of Israel who has been abroad for 18 consecutive months or more and has not paid health insurance premiums to the National Insurance Institute in Israel for a period of at least 12 months, or who has ceased to be a resident of Israel, is not entitled to receive health services for a period of up to 6 months after his return to Israel (except for populations exemptions from the waiting period).

• The waiting period can be redeemed for a fee.

tip

It is possible to purchase private insurance for the waiting period in one of the health funds, subject to the conditions of admission and health declaration.

Who is eligible?

• A returning resident who was recognized as a resident of Israel after his return by the National Insurance Institute.

Health Insurance in Israel

Information	Details
Health Insurance Premiums	Based on income, exemptions available
Services Included in Health Basket	Defined by law, uniform across health funds
Collection of Participation Fees	Allowed for some services
Eligibility for Health Insurance	All permanent residents of Israel

Eligibility without a waiting period

• The following populations are exempt from the waiting period:
• Minors
• Soldiers discharged from mandatory or permanent service within a period of 24 months from the date of discharge
• Immigrants according to the Law of Return
• Those who have been recognized as citizens are registered by the Ministry of Absorption
• Type A/1 visa holders who were recognized for the first time as a new immigrant
• Residents who paid the insurance premiums

The process of exercising the right

• You must contact one of the branches of the National Insurance Institute in order to determine residency at the National Insurance Institute.
• After the residency is determined, a registration form for the health insurance fund must be filled out in front of the clerk. In the form, you must indicate the health insurance fund you wish to join.
• The National Insurance official will calculate the required waiting period.

the waiting period

• For each year of absence from the country, a waiting period of one month will be calculated, where the maximum waiting period is 6 months.
• The year of absence is a period of 12 months during which the resident stayed outside the borders of Israel for at least 183 days, even if they are not consecutive.
• The waiting month is a period of 25 consecutive days of stay in Israel.

example

A returning resident for whom a 3-month waiting period has been calculated must stay in Israel for 3 periods (consecutive or non-consecutive), each of which has 25 consecutive days of stay in the country.

• For those who went abroad again before completing 25 consecutive days of stay in Israel, the periods during which they stayed in Israel for less than 25 consecutive days will not be taken into account.

example

A resident for whom a waiting period of two months has been set, has stayed in Israel for 40 consecutive days, and then went abroad for two days. Out of the period of his stay in Israel, only 25 days will be taken into account for the purpose of calculating the waiting period, and from the moment of his return he will have to wait another 25 days.

Special Benefits for Immigrants and Returning Residents

Information	Details
Special Old-Age Benefit Eligibility	Immigrants and returning residents
Benefit Amounts	Same as basic old-age pension
Eligibility Conditions	Income, marital status, age, etc.
Spouse of the Same Sex Eligibility	For women who immigrated over retirement age

• For those who went abroad as part of their work or for the purpose of receiving medical treatments, the days spent abroad will also be taken into account in order to complete the waiting period, but the calculation of the waiting month will be done according to a full calendar month (ie 28-31 days, depending on the number of days in that month ).
• Even during the waiting period, the resident must pay health insurance premiums according to his occupation and/or income.

Redemption of the waiting period

• Anyone who owes during the waiting period until receiving health services, can redeem the waiting period for an amount of NIS 13,740 (as of January 2023), which he can pay through one payment or up to 6 equal payments. Upon completion of the payment or payments, he will be able to receive the medical services.
• It is possible to pay the special payment even while staying abroad, before arriving in Israel, and be entitled to the medical services upon arrival in Israel, provided that the insured proves that the center of his life is in Israel, and provided that he returned to Israel and was recognized as a resident of Israel.
• The ways in which you can pay:
• By credit card, through the website of the National Insurance Institute.
• Through the A bank check, which can be mailed to the health insurance department at the National Insurance Institute at the main office, 13 Weizman Ave., Jerusalem zip code 9543707, or delivered to any of the National Insurance branches. It must be ensured that the exact amount of the special payment is recorded on each check, and that each check is for each family member separately.
• The special payment will not be returned to the payer, whether he has returned to live in Israel or not (except in exceptional cases). Therefore, before making the special payment, it is very important to check whether the conditions under which a person is recognized as a returning resident are met.

health insurance

Every Israeli resident is insured with health insurance that entitles him to services to the extent specified in the State Health Insurance Law

Failure to pay insurance premiums or late payments do not infringe the rights of the insured, and do not exempt the fund from its obligation to provide the insured with the health services included in the health basket

Every resident must pay health insurance premiums, depending on their income, except in cases where the resident is entitled to an exemption from the payment

According to the State Health Insurance Law, every Israeli resident is insured with health insurance that entitles him to the services included in the health services basket.

General Disability Allowance

Information	Details
Eligibility for Disability Allowance	Based on disability severity, impact on earning
Eligibility for Returning Residents	Normally based on residence in Israel, exceptions
Special Cases for Returning Residents	Disability onset in Israel, income criteria
Document Requirements	Medical documents confirming disability onset

• The medical services to which every resident is entitled (the health basket) are fixed by law and updated from time to time. The basket of health services is uniform and eligibility does not depend on belonging to one or another health fund.
• The health funds are responsible, by law, for the provision of the health services found in the second appendix to the law. The law obliges the health funds to accept any person who wishes to become a member, regardless of their financial situation, age, gender, health status, etc.
• The Ministry of Health is responsible, by law, for providing the health services found in the third appendix to the law.
• The medical services will be provided in Israel subject to medical judgment, of reasonable quality, at a reasonable time and at a reasonable distance from the insured’s residence.
• As a rule, the services in the basket are provided free of charge, but the funds are allowed to collect participation fees for some of the medical services in the health basket, and this according to the approval of the Finance Committee of the Knesset.
• The list of services for which a deductible must be paid can be found in the second supplement to the State Health Insurance Law.
• Every resident must pay health insurance premiums, depending on their income, except in cases where the resident is entitled to an exemption from the payment.

Who is eligible?

• All permanent residents of Israel are entitled to health insurance.

The process of exercising the right

• The right is granted to all permanent residents of Israel automatically, through the National Insurance Institute.
• New immigrants will be asked to register with the health fund in order to receive the right.
• Returning residents, or those who have ceased to be residents of Israel, will have to wait for a certain period of time until they are eligible for health insurance again.
• Health insurance fees are collected by the National Insurance Institute.
• The medical services are granted to each insured by the health fund to which he chose to belong (certain services are granted by the Ministry of Health).

specific populations

Senior Citizen Pension for Returning Residents

Information	Details
Eligibility for Senior Citizen Pension	Completion of required qualification period
Eligibility for Returning Residents	Incorporating insurance periods from Israel
Special Cases for Treaty Country Residents	Rules for those who lived in treaty countries

soldiers

• A soldier in mandatory or permanent service will receive medical services from the IDF and not through the health insurance funds. Permanent soldiers are exempt from paying health insurance premiums.
• A soldier who volunteers for mandatory service (such as for health reasons) will receive the basket of health services from the health fund of which he is a member in exchange for payment of insurance premiums. In accordance with the medical impairment clauses determined for him, he may be entitled to payment of medical fees from the IDF.
• A soldier who has temporarily stopped his service will be entitled to the basket of health services mentioned in the law from the health insurance fund of which he is a member, and will be required to pay insurance premiums.
• A soldier in military service (in unpaid service) will be entitled to the basket of health services mentioned in the law from the health fund of which he is a member. As of 2002, the health insurance premiums for him are paid by the state treasury.

Children

• Every child, from the day they are born, is automatically associated with the health fund in which the parent who receives the children’s allowance for him is insured.
• In the event that the child’s parents are insured by different health funds and they wish to transfer the child to the health fund where the parent who does not receive child benefit is insured, they must go to the Postal Authority branch, fill out a transfer form and sign it both.
• The first transfer from one health fund to another of a child under 6 months of age will be immediate, that is, without a waiting period.

Children of returning residents

• Up to the age of 18, children of returning residents are entitled to health services, provided that their parents were recognized as Israeli residents after their return to Israel, even if the parents are temporarily not entitled to medical services and are in a waiting period.
• Any expenses incurred for the purchase of medical services for children will be returned to the parents, provided that there was an application to the National Insurance Institute for residency prior to receiving the paid medical services.
• If the expenditure was made before contacting the National Insurance – the money will not be returned.

An Israeli resident who has stayed or is staying abroad

• As long as a person considered a resident of Israel according to the National Insurance Institute pays health insurance premiums, he is entitled to health services in Israel, according to the State Health Insurance Law.
• Returning residents who have not paid insurance or have ceased to be residents of Israel, will be entitled to health services in Israel only after a waiting period that includes a continuous stay in Israel (departures abroad during the waiting period extend the period). The minimum waiting period is two months and the maximum waiting period is 6 months. The period can be redeemed by payment.

Returning Residents Who Lived in Treaty Countries

Information	Details
Entitlement Rules for Treaty Country Residents	Based on prior insurance in treaty country
Continuation of Certification Period	Accrues from the day recognized as an Israeli
Eligibility Upon Return Before Retirement Age	Possible partial pension or special benefit
Application Process for Treaty Benefit	Through the Department for Foreign Relations

New immigrants

• New immigrants are asked to register with the health insurance fund of their choice.
• You can register for a health insurance fund with the admission counselors at the airport when you arrive in Israel, or at a later date at the Postal Authority branches (registration at the post offices involves a nominal fee).
• If you do not register at the airport or at the post offices, you can register through the National Insurance website, and this only after 3 weeks have passed from the day of arrival in Israel. It is advisable to print the registration confirmation to submit it when the magnetic card is issued at the health fund.
• Immigrants who did not register within 90 days from the date of immigration will only be able to register at the National Insurance branch in their area of residence.
• Those who entered Israel as tourists and changed their status to immigrant at the Population and Immigration Authority, will be able to register with a health fund when they issue the immigrant certificate at the Ministry of Immigration and Absorption, provided that 90 days have not passed since the day of arrival in Israel.
• After registration, the immigrants must go to one of the cash register branches with the copy of the registration form The patients who registered with it to be issued with a magnetic card.
• From the date of receipt of the card, the immigrants will be considered insured by the health insurance fund and will be entitled to receive all services within the framework of the health insurance.
• Important: the immigrants will not be considered insured by the health fund until they contact it after registration and receive a magnetic card.
• For more information see the website of the National Insurance Institute.

pay attention

• Immigrants who have no income or whose income is less than NIS 594 per month (as of 2023) are entitled to an exemption from paying health insurance premiums for six months from the day they received immigrant status.
• Immigrants who do not work and receive subsistence allowances from the Ministry of Immigration and Absorption may continue to be entitled to an exemption even in the second half of the first year of immigrating to Israel. To receive the exemption in the second half of the first year, contact the National Insurance Institute.

Contributing factors

Senior citizen pension (old age pension) for a returning resident

A returning resident may be entitled to a senior citizen’s pension (old age pension), if all eligibility conditions are met, including completion of the required certification period

A returning resident who has not accumulated enough of a qualifying period may be entitled to a special benefit instead of the old age pension

A returning resident is entitled to a senior citizen’s pension (old age pension), if he meets all eligibility conditions, and among other things, if he has completed the required qualification period.

• All the insurance periods he accumulated before he left the country (during the period he lived there as a resident of Israel), will be taken into account for the purpose of calculating his certification period.

Who is eligible?

• Returning resident – a resident of Israel who moved to live abroad and ceased to be a resident of Israel, and then returned to Israel to live there and was granted the status of a returning resident by the National Insurance Institute.
• Eligibility is conditional on all conditions being met, including completion of the qualification period.

Paying National Insurance and Health Insurance

Information	Details
Payment Calculation	Income-based for both National and Health Ins.
National Insurance Fees for Different Groups	Employees, self-employed, students, others
Redemption of Health Insurance Waiting Period	Through payment or private insurance
Eligibility for Health Services	Waiting period for late payments, exemptions

A returning resident who lived in a treaty country

• A resident of Israel who left the country and lived in one of the countries that signed a social insurance treaty with Israel, and then returned to the country to live there, will be entitled to an old-age pension in accordance with the conditions of eligibility, and in accordance with the following rules:
• Those who accrued the full qualifying period before leaving the country and received a full old-age pension during their stay in the treaty country, will continue to receive it in the country.
• Those who did not accumulate the full qualifying period before leaving the country and therefore received a partial old-age pension during their stay in the treaty country, will continue to receive a partial pension in Israel, or their eligibility for a special old-age benefit will be checked.
• The certification period will continue to accrue from the day he is recognized as a resident of Israel again.
• After he has accumulated the full qualification period, he may be entitled to a full old-age pension.
• For those who returned to Israel before reaching retirement age:
• If he reaches the age of eligibility for an old-age pension without accumulating the full qualifying period, his eligibility for a partial old-age pension will be checked in accordance with the rules established in the convention of the country where he lived, or his eligibility for a special old-age benefit will be checked.
• The certification period will continue to accrue from the day he is recognized as a resident of Israel again.
• If he accumulates the full qualification period, he may be entitled to a full old-age pension.
• The process of exercising the right
• Contact the nearest branch of the National Insurance Institute.
• Those who are still staying abroad can call for inquiries to the call center for callers from abroad whose number is: 972-8-9369669.

Special old-age benefit for immigrants and returning residents

Residents of Israel who immigrated to Israel for the first time after a certain age and returning residents who have not accumulated a qualifying period for an old-age pension, may receive a special benefit instead of a senior citizen’s pension (old-age pension)

The benefit amounts for an individual are the same as the basic old-age pension amounts: 1,680 NIS up to age 80 and 1,775 NIS from age 80 and older (as of 2023)

You may also be entitled to a supplement for spouses and children and an income supplement supplement according to the conditions

For official information see the website of the National Insurance Institute

Joining Health Insurance for Children

Information	Details
Automatic Health Insurance for Children	Based on parents’ health fund membership
Transfer Between Health Funds for Children	Allowed, requires form and signatures
Immediate Transfer for Infants	First transfer under 6 months of age
Health Insurance for Children of Returning Res.	Eligible up to age 18 if parents qualify

Benefit rates

• The rates of the special benefit are the same as the rates of the basic old-age pension for an individual (without seniority supplement and pension deferment supplement): NIS 1,680 up to age 80 and NIS 1,775 from age 80 and older, as of 2023.
• Benefit recipients who have dependent spouses or children may be entitled to a supplement for them.
• Benefit recipients who have no additional income, or whose monthly income is low, may be entitled to an income supplement supplement.

Who is eligible?

• Immigrants and returning residents who meet the following conditions:
• Immigrants-
• Men who are not insured with old age insurance because they immigrated to Israel after the age of 60-62, according to their date of birth.
• Women who are not insured with old age insurance because they immigrated to Israel after retirement age.
• Returning residents who have not accumulated the qualification period for old age pension.
• In addition, all the following eligibility conditions must be met:
• They are residents of Israel who have reached retirement age.
• The amount of their income from work-
• For those who have not yet reached the age of 70 (the age of absolute eligibility for an old-age pension), their monthly income from work does not exceed (or only slightly exceeds) the maximum income for eligibility for an old-age pension according to the composition of the family.
• For those who have reached the age of 70, their income from work does not exceed (or only slightly exceeds) the maximum income times 3.
• Their non-work income and that of their spouses who live with them do not exceed (or exceed only slightly) the old age pension rates plus income supplement.
• For men: the man and his partner do not receive an allowance from the National Insurance, or the spouse’s daughter receives an old-age allowance, or she has reached the age of 70 and receives a disability allowance from work.
• For women: the woman and her partner do not receive an allowance from the National Insurance.
• A married woman born before 01.08.1932 is not entitled to a benefit.
• A married woman born after 01.08.1932 will be entitled to a benefit when she reaches the age of 70, provided that her husband does not receive an allowance from the National Insurance.
• Immigrants who are spouses of the same sex: a special old-age benefit can be paid to each of the spouses (women only), if each of them immigrated when she was over retirement age (according to Article 3(a)(1) of the agreement for the payment of special pensions). It is not possible to pay a supplement for a spouse of the same sex.
• Eligibility of men according to the age of immigration to Israel
• Those who immigrated to Israel after the age of 60-62 according to the date of birth are not insured with old-age insurance and may be entitled to a special old-age benefit.

Contributing Factors to Customer Eligibility

Information	Details
Exemptions from Health Insurance Premiums	For specific income levels, circumstances
Eligibility for Income Supplements	Based on income and family composition
Eligibility for Special Benefits	Varies based on age, residence, and insurance
Eligibility for General Disability Allowance	Based on disability severity and income criteria
Eligibility for Senior Citizen Pension	Based on required qualification period

Eligibility of women according to the age of immigration to Israel

• Those who immigrated to Israel after retirement age are not covered by old-age insurance and may be entitled to a special old-age benefit.
• For women born between April 1944 and January 1970, the retirement age is determined according to the month of their birth
• Eligibility of returning residents
• A returning resident who meets all eligibility conditions and completed the required qualification period, he is entitled to a senior citizen pension (old age pension).
• All the insurance periods he accumulated before he left the country (during the period he lived there as a resident of Israel), will be taken into account for the purpose of calculating his certification period.
• Those who did not complete the full qualifying period before leaving the country may be entitled to a special old-age pension (or a partial old-age pension) after returning to the country.
• The certification period will continue to accrue to him from the day he is recognized again as a resident of Israel.
• If he accumulates the full qualification period, he may be entitled to an old-age pension instead of the special benefit.

Eligibility of insured persons in social insurance in treaty countries

• Those who were insured in one of the countries that have signed a social security treaty with Israel, can request that their entitlement to a benefit be examined according to the social security treaty.
• For this, they must contact the Department for Foreign Relations.
• You can apply in any of the following ways:
• Apply online through the National Insurance Institute website
• A written application to the National Insurance Institute, Foreign Relations Division, Sderot Weizman 13, PO Box 90009 Jerusalem 9190901
• Contact via fax 02-6512683
• Public reception is done at the main office of the Foreign Relations Division, 11 Hazvi St., Jerusalem, on Sundays and Thursdays only, between the hours of 12:00 and 8:30.
• Inquiries by phone:
• For callers from Israel 6050*
• For callers from abroad 972-8-9369669
• For callers regarding the treaty with Russia 2637*

Social Security Fees for Returning Residents

Information	Details
Payment Responsibility	Returning residents aged 18 or older
Fee Calculation	Based on income, insurance status
Recognition as Resident	Contact nearest National Insurance branch
Eligibility for National Insurance Benefits	Per the law
Premium Rates	Vary based on income and occupation

The process of exercising the right

• A claim must be submitted on a claim form for a special veteran’s benefit.
• The following documents must be attached to the claim form:
• Employees will attach payslips or employer certificates from each period of employment and in particular from the two years prior to filing the claim.
• Employees who have stopped working, or whose scope of work has been reduced, will attach an employer’s confirmation to that effect.
• If there is income from renting a property, the lease must be attached.
• If there is income from interest or dividends, an appropriate certificate of this must be attached.
• In the event that an allowance is requested as part of the claim for a child who has reached the age of 18, a certificate of studies, national service, reserve or KDC (depending on the case) must be attached.
• Those who wish to also claim an income supplement supplement will fill out the income supplement claim form attached to the claim form.
• The claim must be submitted to the branch of the National Insurance Institute nearest to the place of residence.
• The benefit is paid on the 28th of each month, and only from the beginning of the month in which the claim was submitted.
• When switching from a disability pension to a special old-age benefit, the benefit will be paid from the date the disability pension stops being paid.

General disability allowance for a returning resident

In certain cases, which will be detailed later, a returning resident may be entitled to a general disability allowance even if his incapacity occurred while he was not a resident of Israel

For more information, see the National Insurance Institute website

A general disability allowance is paid to those who, due to a physical, mental or mental disability, are impaired or their ability to earn is reduced by at least 50%, as well as to a housewife whose ability to function in the household is impaired by at least 50%.

• One of the conditions for entitlement to an annuity is that the incapacity arises for the insured by being a resident of Israel.
• Therefore, as a general rule, a returning resident will be entitled to an allowance only if the incapacity was caused by him being a resident of Israel.
• However, in the cases detailed below, a returning resident may be entitled to an allowance even if his incapacity was caused during a period when he was not a resident of Israel.

Who is eligible?

• Returning resident, in any of the following cases:

1. He reached the age of 18 when he was a resident of Israel and disabled.
2. The defect that caused the incapacity was caused to him when he was a minor (under 18) resident of Israel.

• A returning resident whose claim for disability allowance was rejected because the incapacity arose when he was not a resident of Israel will be eligible if, after the claim was rejected, he started working, and his income from work exceeded NIS 5,342 per month (as of 2023) for 6 consecutive months or 12 non-consecutive months out of 24 The months preceding the 1st of the month in which he filed a repeated claim.
• A returning resident who, after his return to Israel, had new deficiencies added to him or had a significant worsening of the deficiencies he already had, will be eligible if he meets the following two conditions:
• The medical disability established for him for these deficiencies alone is at the rate required to qualify for an allowance
• The degree of incapacity that enables eligibility was determined for him only for these deficiencies

The process of exercising the right

• If it is a returning resident who, after his return, had new defects added to him or a significant worsening of defects that already existed:
• He must produce any medical document that can confirm the date of onset of the new medical impairment or aggravation.
• The allowance will be paid to the beneficiary at a level that corresponds to his general condition, and not just the deficiencies created after his return.
• Anyone who developed an incapacity while he was a resident of Israel, and during the period when he was not a resident of Israel there was a worsening of his medical disability or the degree of his incapacity, will be entitled to a disability allowance according to the degree of incapacity corresponding to his current condition.

Health Insurance Waiting Period and Redemption

Information	Details
Waiting Period for Health Services	Up to 6 months, redeemable with a fee
Exemptions from Waiting Period	Minors, discharged soldiers, immigrants, others
Calculation of Waiting Period	Based on days spent abroad
Redemption of Waiting Period	Possible with a fee, payment methods available
Eligibility for Health Services in Israel	Automatic, conditions apply in some cases

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