HMO, Shaban and private insurance — what each one is for
The HMO provides the public baseline. Shaban is an additional services tier through your HMO and may add health services subject to its terms. Private health insurance is a separate policy that may be relevant to close specific gaps — depending on needs, age and medical history. This review helps you understand what you already have and what might be worth tightening.
What Shaban usually provides
- Subsidized specialist consultations
- Subsidized tests and certain treatments
- Defined participation in drugs and devices outside the basket from a specific list, subject to your HMO plan and tier
- Baseline coverage subject to your HMO's terms and tier
What private health insurance may add
- Participation in drugs outside the basket
- Participation in private surgeries in Israel
- Surgeries abroad, subject to policy terms
- Adjacent coverages — diagnostics, implants, transplants — subject to policy terms
Common gaps families discover
- Children not added to the family policy
- Duplicate coverage on the same line of care
- Drugs outside the basket with unclear funding
- Old policies still being paid for without knowing what they cover today
Quick comparison: Shaban vs. private health insurance
General overview only. Actual coverage depends on your HMO, tier and the specific policy terms.
How the review works
A simple, transparent process — in Hebrew, Russian or English. No complicated paperwork.
Send basic details
A short form or a WhatsApp message. We map out who is in the family and what's already in place.
Review what you already have
With your permission we go over existing policies and Har HaBituach data, where relevant.
Identify overlaps and gaps
We look at Shaban, private policies and employer coverage together and summarize the standout gaps.
Get a clear recommendation
A short meeting with a personal recommendation — what to keep, what to look at more closely and what can be tightened.
Why do the review with me
Licensed insurance agent
Working with leading insurance companies and institutional bodies, subject to my active arrangements and the data you provide.
A whole-family view
We look at both partners and the children together — not at a single policy in isolation.
Personal service from Kiryat Gat
Personal guidance in Hebrew, Russian and English — based in Kiryat Gat, serving clients across Israel.
No cost, no obligation
The review is free of charge — you're never required to make changes.
When a review is especially worth it
If any of these sound familiar, it's a good moment to revisit your health coverage:
There are children at home
Adding children to the family policy, or making sure their coverage is valid and up to date.
You changed jobs or HMO
Shaban tiers and employer-provided insurance may shift, and the change isn't always visible.
You pay for several health policies
Sometimes there's duplicate insurance with no extra value — worth checking what's already covered.
You have an old policy from years ago
Health policies evolve over the years. The old coverage may no longer fit today's needs.
More information that can help
Private health insurance
What private health insurance covers and how it sits alongside Shaban.
Insurance portfolio checkup
A broader review of every insurance, pension and provident product in the family.
Life insurance
Financial protection for the family and the mortgage.
Personal accident insurance
Compensation for injury or disability at home, at work or in sports.
Family health insurance — frequently asked questions
Answers to the questions families most often ask before a review
Shaban is a meaningful tier that broadens HMO services, but it doesn't necessarily cover every need — for example certain drugs outside the basket or some private surgeries. Whether it is enough for you depends on your needs, age and the medical situation in the family.
There is no legal requirement. For some families, adding children to a family policy may be relevant — for example for drugs outside the basket, surgeries or specialized treatments. The decision depends on personal needs and the existing coverage.
It's a situation where you hold more than one policy covering the same event. With indemnity coverage (such as reimbursement of medical expenses) you usually can't collect twice — meaning you may be paying double premiums for no extra value.
In principle, yes — subject to the policy terms and applicable law. Before cancelling it's important to confirm replacement coverage is in force and to consider underwriting implications, including medical conditions that may be re-underwritten on less favorable terms.
Usually an Israeli ID and access to the existing policies (policy PDFs, Har HaBituach data or the clearinghouse). If something is missing, we'll go over it together.
Yes. The review is free and does not commit you to making any change. If you choose to act through me afterwards, I may receive a commission from the insurer or institutional body in accordance with the law and the required disclosure.
The information on the website is general only. The concrete recommendation following the review is given under my insurance-agent license, based on the data you provide, and is not a substitute for medical or legal advice.
Want to make sense of your family's health coverage?
Leave your details or send a WhatsApp message. We'll go over what you already have and explain plainly what might be worth tightening.
The information on this website is general only and is not a substitute for personal, medical or legal advice. Actual coverage depends on your HMO, your Shaban tier and the specific policy terms. Before changing or cancelling a policy, make sure replacement coverage is in force and consider underwriting implications.