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| Compulsory National Insurance and Health Insurance | |
Every resident of Israel aged 18 and over is obliged under law to be insured by National Insurance and to pay the National Insurance contributions, except for a housewife (a married woman who is not employed outside the household) and for a person who first became an Israeli resident over the age determined by law (the age increases gradually from 60 to 62). |
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| Exempted from National Insurance and Health Insurance Contributions | |
An unemployed new immigrant within 12 months following the date of immigration to Israel; a person aged 18 who has not yet been drafted and is unemployed, is exempt from payment for a period of up to 12 months provided that he/she is drafted to the army no later than age 21; a high school student (11th and 12th grades) who has reached the age of 18 is exempt from payment for the period of his/her studies provided that he/she is drafted up to age 21; a prisoner or detainee in prison for longer than 12 months. |
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| An Insured Person Residing Abroad | |
| An insured person residing abroad who is not employed by an Israeli employer pays insurance contributions based on his income in Israel liable for insurance contributions. If the person does not have income in Israel, he pays the minimum insurance contribution amount, NIS 141 (as of 01.01.2008) . An insured person planning to go abroad must inform the local branch of the National Insurance Institute near his place of residence and arrange insurance for the period of his residence abroad. |
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| Self-Employed Person | |
A self-employed person is defined as one of the following: | A person who is engaged in his occupation for at least an average of 20 hours a week | 
| | A person whose average monthly income from his occupation is more than NIS 3,832 (as of 01.01.2008) - 50% of the average wage. |
| | A person who is engaged in his/her occupation for at least an average of 12 hours a week, and his average income is more than NIS 1,149 (as of 01.01.2008) - 15% of the average wage. |
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| An Insured Person Who is Neither an Employee Nor Self-Employed | |
An insured person who is neither an employee nor self-employed (including a Yeshiva student) must register at the National Insurance Institute and pay the national insurance and health insurance contributions by himself, in accordance with his income. If the person has no income, he pays the minimum insurance contribution.
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| Advance Payments of the Insurance Contributions | |
| A self-employed person, as well as a person who does not work but has an income, must pay advance contribution payments by the 15th of each month. The rate of the monthly payments is determined according to an assessed income. Upon receipt of the assessment from the Income Tax Authority, the Institute calculates in advance the debit/creditbalance in insurance contributions. In addition, the Institute recalculates the differences in benefits paid to the insured person for the same period of time (wage-replacing benefits such as maternity allowance and reserve service benefit). |
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| Employee | |
The employer is required to pay national insurance and health insurance contributions for his/her employees. |
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| Debt Settlement Arrangements | |
In order to encourage employers and self-employed persons to settle their debts to the National Insurance Institute, and to ensure their rights, the local branches have the authority to reduce fines and to settle debts by installment payments. The latter can be facilitated by a letter of recommendation for a bank loan. The Institute enables employers and self-employed persons to settle their debts by means of credit card either by telephone or by the NII Internet website, in the Insurance Payment section; or by a standing order arrangment with a bank; or by post-dated checks. The confirmation of debt settlement given to employers and self-employed persons, (who make payment arrangements either by credit card or by recomendation for a bank loan) will include the insurance contributions for that year as presented for income tax deduction purposes. These arrangements apply only to debts and not to current payments. In order to assist insurees, the National Insurance Institute has reached an agreement with all the banks, and insurance contributions may now be paid at any bank. |
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| Domestic Worker and His Rights | |
A domestic worker is a person employed in household work not for his employer’s business or occupation. Such work includes the care of children, cleaning stairways in apartment buildings and the like.
A person employing a domestic worker must register him at the National Insurance Institute, must report on his wages, and must pay both national insurance and health insurance contributions for him.
The employer may deduct the worker’s share of the insurance payment from the worker’s wages. |
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| Career-Service Soldier | |
A career-service soldier receives health services via the IDF, and not directly via the National Health Insurance. Nonetheless, health insurance contributions are deducted from his salary together with national insurance contributions. The rate of insurance contributions deducted from his salary is lower than that deducted from employees. |
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| Person Undergoing Vocational Training | |
A person participating in vocational training in a framework approved by National Insurance regulations is insured under both the National Insurance and the Health Insurance Laws. The organization providing the training is responsible for paying insurance contributions for such a person. |
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| An Insured Person Who Has Reached Retirement Age | |
An insured person who has reached retirement age and does not yet receive an old-age pension will have national insurance and health insurance contributions deducted from his income from work. |
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| Recipient of Old-Age or Survivors’ Pension | |
Recipients of old-age or survivors’ pension with income supplement will pay the minimum health insurance contribution of NIS 88 (as of 01.01.2008) deducted from their pension. |
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| Contact Us | |
To obtain answers to any questions or queries related to registering or changing Sick Funds, contact the National Insurance Institute, Registration and Allocation Division, located at 13 Weizman Blvd, Jerusalem, Sunday through Thursday, 8.00 to 13.30.
Tel: 02-6707775, 02-6707824, 02-6707744 Fax: 02-6707057
Computerized Call Center, for payment of debts by credit card:
Telephone: 08-6509911
Call Center hours:
Sunday to Wednesday: 7:00 - 23:30
Thursday: 7:00 - 18:30
Friday: 7:00 - 14:30 |
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| Methods of reporting and of paying insurance contributions | |
Employers must report on their employees and must pay insurance contributions on their behalf. However, self-employed workers, students (including yeshiva students) and non-workers must pay their insurance contributions on their own. Following are the different methods of reporting and of paying insurance contributions: |
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