How to use Har HaBituach, Israel's official insurance registry, to find long-term care cover you may not know about — and what you still have to check in the policy document afterwards.
What Har HaBituach gives you
Har HaBituach is an official service run by the Capital Market, Insurance and Savings Authority that helps you locate insurance information. It is the natural starting point when a family does not know what cover exists or which company holds it.
Access is only through the official site. Never give identifying details to another website, or to anyone who contacts you offering to check on your behalf.
What to look for in the report
Mark every line connected to long-term care, health or group cover, and check whether more than one policy appears. Keep the company name and the identifying details of each policy.
The report does not replace the policy
A product appearing in the report does not by itself establish entitlement in a particular case. Once you have located it, request the full document and check the definitions, exclusions, periods and the date cover began.
From here to an eligibility check
Set out the policies in a simple table and compare them against the current functional situation. Only then decide which forms to download and what further information may be needed.
When nothing turns up
An empty result does not prove there is no insurance. Very old policies, certain arrangements, or records that were never updated may not appear clearly, so it is worth continuing to look elsewhere.
Places worth checking: old paperwork at home, standing orders and recurring charges on bank statements, correspondence from insurers over the years, the personal area on your health fund's website, and a direct written approach to companies the family remembers dealing with.
Where an older person cannot help with the details, a family member or attorney can approach on their behalf, subject to the authorisation documents required.
Frequently asked questions
What is Har HaBituach and how do I access it?
It is an official service of the Capital Market, Insurance and Savings Authority for locating insurance cover. Access is through the official site only; do not give identifying details to any other site or to anyone offering to check for you.
Does Har HaBituach show whether there is long-term care cover?
It can point to existing cover and is a good starting point, but a product appearing in the report does not by itself establish entitlement in a particular case. Request the full policy document afterwards.
What should I look for in the report?
Every line connected to long-term care, health or group cover; whether more than one policy appears; and the company name and identifying details of each policy.
What if no long-term care insurance appears at all?
An empty result is not proof that none exists. Check old paperwork at home, standing orders on bank statements, correspondence from insurers, and the personal area on your health fund's website.
Can I check on a parent's behalf?
Access depends on authorisation. Where the insured person cannot act for themselves, a power of attorney or a court appointment may be required under the applicable rules.
Official sources for further checking
This is general information and does not replace personal medical, legal or insurance advice. Eligibility is determined by the documents and rules that apply to each case.
