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The Duty to Contribute: A 2026 Guide to Israel’s National Insurance (Bituach Leumi)

by Tzvi Szajnbrum, Attorney at Law and Notary | Mar 8, 2026 | Bituach Leumi / National Insurance Institute

A comprehensive guide to navigating Israel’s mandatory national insurance system, residency requirements, and digital healthcare rights for the Anglo community.

Are You Normal?

by Tzvi Szajnbrum, Attorney at Law and Notary | Jun 29, 2013 | Bituach Leumi / National Insurance Institute, Criminal Law

Are You Normal? Maybe but it is not always a good defense

The Real Price for the Insurance We Never Bought

by Tzvi Szajnbrum, Attorney at Law and Notary | Sep 1, 2012 | Bituach Leumi / National Insurance Institute, Insurance, Personal Injury & Torts, Real Estate

The Doe Family made Aliyah ten years ago from Mexico, leaving behind not only remembrances, but also more than a few debts. There is no way they could ever return to Mexico. Soon after arriving in Israel, Mr. and Mrs. Doe were already working and very happy with their...

Work Accident and National Insurance – a True Case

by Tzvi Szajnbrum, Attorney at Law and Notary | Jul 2, 2011 | Bituach Leumi / National Insurance Institute, Labor Law, Personal Injury & Torts

Mr. Levy, in his early 40s, finally realized his dream.  He set up an elaborate workshop dealing with delicate engravings on metals. This was a modern workplace with many facilities. Mr. Levy created for tax purposes, a “limited liability company” (Chevra Baam) where...

The Right of Retirement Pension for Every Worker

by Tzvi Szajnbrum, Attorney at Law and Notary | Feb 12, 2011 | Bituach Leumi / National Insurance Institute, Insurance, Labor Law

The year of 2008 marked the beginning of a new time for Israeli workers. From 2010 the total contribution from both parties (employer and employee) must be at least 10% (up from 5% in 2008 and 7.5% in 2009). From then according to a new law every worker, after 6...

House Insurance & Domestic Worker Injury

by Tzvi Szajnbrum, Attorney at Law and Notary | Jan 29, 2011 | Bituach Leumi / National Insurance Institute, Insurance, Labor Law

The House Insurance Policy Every insurance policy in Israel has (built into the price) a clause covering any worker (even more than one) that works for you in the insured house as a maid, cleaning lady, gardener, handy man, etc. But this is under the condition that...

Domestic Workers NII Payments & Benefits

by Tzvi Szajnbrum, Attorney at Law and Notary | Jan 22, 2011 | Bituach Leumi / National Insurance Institute, Labor Law

  The National Insurance Institute (Bituach Leumi) You must pay the NII (Bituach Leumi) for your domestic worker even if this is against the worker’s wishes. If you fail to do so, you will find yourself liable. You must pay monthly with payment vouchers from the...

Compensation Statements

by Tzvi Szajnbrum, Attorney at Law and Notary | May 25, 2010 | Bituach Leumi / National Insurance Institute, Labor Law

  Permitted and Deductible Salary Components General Any deduction not specifically permitted by law or expansion order or collective agreement or specified in an agreement between the employee and employer may not be made. Permissible but Not Mandatory (in...

Disability Compensation

by Tzvi Szajnbrum, Attorney at Law and Notary | Mar 10, 2010 | Bituach Leumi / National Insurance Institute, Labor Law

  General Disability and Disability Resulting from an Accident Handicap These are two different categories and both are covered according to the National Insurance (Bituach Leumi) regulations. A person’s handicap renders him/her eligible for one-time...

Unemployment Compensation

by Tzvi Szajnbrum, Attorney at Law and Notary | Feb 11, 2010 | Bituach Leumi / National Insurance Institute, Labor Law

  The issue of unemployment compensation is very complicated. Therefore I will attempt to explain this issue as briefly as possible, and with as little Hebrew as possible. Who is insured? Who is the insurer? The State of Israel insures every one of its citizens...

National Insurance Institute Exemptions

by Tzvi Szajnbrum, Attorney at Law and Notary | Dec 24, 2009 | Bituach Leumi / National Insurance Institute, Debts, Bankruptcy and Finances

  Who is Exempted from Payment of Premiums? 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...

National Insurance Payments

by Tzvi Szajnbrum, Attorney at Law and Notary | Dec 24, 2009 | Bituach Leumi / National Insurance Institute, Debts, Bankruptcy and Finances, Labor Law

  National Insurance Institute (NII) – Who Must Pay and How Required to Pay 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...
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