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Professional information to help you make the right decisions on insurance and finance
21 articles
Har HaBituach is the most convenient way to see which insurance policies are registered under your name in Israel. This guide explains how to log in, what you can learn from the data, and what still needs professional review before you cancel or change anything.
Mandatory pension for employees in Israel is one of the most meaningful financial rights an employee has — and one of the most overlooked. This guide explains the minimum contribution rates, how to read the pension line on a payslip, what to do if the employer is not depositing, and why withdrawing severance without a review is rarely a good idea.
Since 2017, self-employed workers in Israel are required to contribute to a pension. This guide explains the 2026 income layers and rates, the difference between a pension fund and a provident fund for annuity, what happens if you do not contribute, and what to check with an agent before year-end — without promising savings or pressuring anyone.
Management fees are one of the easiest pension line items to ignore — and one of the most consequential over decades. This guide explains the difference between fees on accumulation and fees on each deposit, how to read them in your annual report, and when switching funds purely to chase a lower fee is actually the wrong move.
A self-employed Keren Hishtalmut (study fund) is an effective savings tool in Israel, with tax benefits subject to annual ceilings. This guide explains how it works, when it can be withdrawn, what happens on an early withdrawal — and why it complements a pension rather than replacing it.
A clear explanation of the three layers of car insurance in Israel, what each cover usually includes and what it does not — subject to policy terms.
What the Israeli health basket is, what "outside the basket" actually means, and what to check in a policy before relying on the cover — subject to policy terms.
What mortgage insurance includes, what the bank may require, and what to check before signing — subject to policy terms and bank requirements.
Where the Israeli regulators stand, the difference between buying through the bank and through an independent agent, and what to check before deciding.
A practical comparison of the two policy types, who the beneficiary is, how the sum changes over time and why in most cases the two complement each other.
Basic steps after an accident — from safety to reporting to the agent and the police — and the mistakes worth avoiding.
What to check before buying or replacing a private health policy in Israel — medications outside the basket, surgeries, medical underwriting and common mistakes. Subject to policy terms.
Why the premium is higher for new and young drivers, which policy choices affect the price, and what must never be hidden from the insurer — subject to policy terms.
Public health cover, SHABAN and private insurance: check entitlement, costs, exclusions and overlap before adding or replacing cover.
Choose travel cover around price, medical history and activities: family trips, recent hospitalization, skiing, credit-card benefits and extensions.
Everyone talks about 'family insurance', but when you need to explain what's inside - things get less clear. Which insurances actually protect the family, why one policy isn't enough, and how to build smart protection that fits real life.
Many Israelis pay too much for insurance or discover they're not covered when they need it. Here are the mistakes I see again and again - and how to avoid them.
Shaban is an additional service of the HMO; private health insurance is a policy with an insurance company. They work differently and under different rules — before adding, replacing or cancelling, map what you already have.
Many people think going directly to the insurance company saves money. In reality, the difference between an insurance agent and an insurance company isn't just about price - it's about who supports you when you need it.
Duplicate insurance is a situation where two or more policies could cover a similar event. Sometimes there is a real reason for it; sometimes it is a cost worth reviewing. This article explains how duplication happens, how to detect it and what to think about before cancelling — without any automatic savings promises.
How to choose an insurance agent in Kiryat Gat the right way, without falling for a policy that doesn't actually cover you. Practical tips from an agent who was born and raised in the city.
