Har HaBituach: how to see all your insurance policies and find what you are owed
In short
- Har HaBituach (הר הביטוח) is a website of the Capital Market Authority at the Ministry of Finance. It shows your policies with Israeli insurers.
- It also shows policies you forgot about or that were arranged through your workplace.
- It is free to use.
- After an illness, accident or loss of working capacity, check here which policies may pay.
What you can see
- Types of insurance: life, health, critical illness, personal accident, long-term care, loss of working capacity, car, home and more.
- The insurer, the policy number and the coverage period.
- For each policy you can ask the insurer for the full terms.
Why it matters
A claim starts with knowing the policy exists. Many people do not know they have loss-of-working-capacity cover through managers' insurance, or critical illness cover bought years ago. Private insurance pays even if you receive a Bituach Leumi benefit: these are separate rights.
How to use it
- Go to the Ministry of Finance's Har HaBituach website and identify yourself.
- View your list of policies and save it.
- For each relevant policy, ask the insurer for the full policy terms.
- If something covered by a policy has happened, file a claim with the insurer.
Deadlines to know
- For most insurance you can claim up to 3 years after the event. For life, illness and hospitalisation, and long-term care insurance taken out or renewed from 25.11.2020, up to 5 years.
- For disability caused by illness or accident, the clock starts on the day you became entitled to claim under the policy terms.
- The insurer must pay within 30 days of receiving all the information and documents it needs.
Other sources
- Pension savings and the insurance inside your pension fund appear in the fund's annual statement or its personal area.
Frequently asked questions
Does it cost anything?
No. It is a free Ministry of Finance service.
I found duplicate insurance. What should I do?
Ask the insurer or an agent whether to cancel one. Sometimes you can save on premiums without losing cover.
Worth checking too
Loss of Working Capacity Insurance
A policy that pays monthly when illness or injury stops you working. Many people are covered through managers' insurance and do not know it.
Critical Illness Insurance
A lump sum after a diagnosis on the policy's list, such as cancer, heart attack or stroke.
Pension Fund Disability Pension
A comprehensive pension fund pays a monthly pension if you lose at least 25% of your working capacity. Separate from Bituach Leumi.
Sources
This is general information, not legal advice. Amounts are correct as of the review date and change every January.