Information Sheet for EmployersRegarding Medical Insurance for Migrant Workers
According to the Migrant Workers Law (1991) an employer of a migrant worker orrefugee is obliged to obtain private insurance for him/her, as well as to insure him/herwith the National Insurance.
The National Insurance will cover work accidents and childbirth whenneeded
The Private Medical Insurance covers all other medical problemswhich may arise during the worker's stay in Israel. Private insuranceincludes most medical services provided to Israeli citizens, such asdoctor appointments, lab tests, hospitalization, etc. Medical provisionsare based on the second amendment to Public Insurance Law, whichcan be easily located on the internet.
Who pays for medical insurance, and how much does it cost?
Private Insurance Fees: Insurance costs are determined by theinsurance company and are circa 1.5 USD per day, meaning around 45USD per month.
If you employ a worker in nursing or household work,your minimum amount of participation is 50% of insurance costs.
If you employ a worker in construction, agriculture, orindustry, your minimum amount of participation is 75%of insurance costs.
National Insurance Fees: Deduct 2% from your employee's monthlysalary for National Insurance fees.
Remember: The employee's eligibility for private insurance, as well as nationalinsurance, is not limited by a lack of legal residence or work permits.What are the consequences of failure to provide insurance?
Medical treatments in Israel are very expensive (one day of hospitalization for aforeign citizen costs around 2,500 NIS).