How to identify the insurance company handling a long-term care policy, using documents, the health fund, Har HaBituach and the date of the insured event.
Why the name of the health fund is not enough
The health fund holds the group policy, but an insurance company administers the cover and the claims. The insurer may change between periods, so the date of the insured event and the policy documents matter.
At Maccabi, for example, the official instructions direct claimants to the insurer according to when the insured event occurred.
Four places to check
Start with sources under the insured person's own control and with the official bodies.
- An annual statement or insurance certificate
- Monthly charges and correspondence from the insurance company
- The personal area of the health fund
- Har HaBituach, the registry of the Capital Market, Insurance and Savings Authority
Check for a private policy too
Even where cover exists through the health fund, a private or additional group policy may have been purchased in the past. Each cover is assessed on its own terms, and they should not be merged without reading the documents.
Only prepare a claim once you have identified it
Once you have identified the company, the product and the period, download the correct form and organise the documents. That reduces the risk of sending material to a body that is not handling the case.
Frequently asked questions
How do you find out which company administers the long-term care cover?
Check an annual statement or insurance certificate, the monthly charges and correspondence, the personal area of the health fund, and the Har HaBituach registry of the Capital Market, Insurance and Savings Authority.
Why is the name of the health fund not enough?
The fund holds the group policy, but an insurance company administers the cover and the claims. The insuring body may change between periods, which is why the date of the event is decisive.
What do we do when more than one cover turns up?
Check each cover separately on its own terms — the definition, the waiting period, the type of benefit and the form required — and do not merge them without reading the documents.
Does Har HaBituach show every policy?
It helps locate insurance information and is a good starting point, but the binding text is the policy document itself. Once you have located it, request the full document.
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.
