Many Israeli citizens hold commercial health insurance, spending significant amounts of money out of pocket for it. A household with a commercial health insurance policy spends an average of about ₪400 per month on commercial health insurance, with a considerable portion of the expense directed towards commercial surgery policies, either “from the first shekel” or “supplementary to Kupat Holim’s (health fund) supplementary insurance.”

The report is intended to assist the public, policymakers, and relevant parties in gaining a clear and comprehensive picture of the issue. It examines the added value offered by commercial surgery insurance, including in relation to the supplementary insurance plans offered by the health funds – specifically concerning the choice of a surgeon from the approved list.

The report offers an in-depth look: Surgery Insurance in Israel – Comparison of Surgeon Lists in Kupat Holim Supplementary Insurance and Commercial Insurance >

The report’s data indicates that no significant added value was found for “from the first shekel” type policies compared to supplementary Kupat Holim insurance policies regarding surgeon lists, as they provide identical access to the same list of surgeons. In light of this, the Ministry of Health recommends examining the most cost-effective insurance based on the client’s risk aversion.

against the backdrop of the reform to reduce insurance duplication in health insurance (the “First Shekel” reform), the report presents, among other things, data regarding the gaps between surgeon lists in Kupat Holim supplementary insurance and those in commercial insurance – in order to reflect the actual added value of commercial insurance relative to Kupat Holim supplementary insurance.

• The comparison between surgeons in commercial insurance and those in Kupat Holim supplementary insurance concerns three main aspects: actual surgeries performed, professional profile, and the geographical distribution of clinics where surgeons operate.
• While individual “first shekel” policies are tens to hundreds of percent more expensive than Kupat Holim supplementary insurance, they provide lower reimbursement rates and relatively lower actual surgery performance rates compared to Kupat Holim supplementary insurance.
• The report also reveals an overlap of up to 84% between surgeons included in commercial insurance lists and those who also operate within the framework of Kupat Holim supplementary insurance – meaning relatively limited added value from commercial insurance in choosing a surgeon; there is a high probability that the insured will encounter the same surgeon in both frameworks.
• The number of surgeons who performed surgeries through Kupat Holim supplementary insurance is slightly higher than in commercial frameworks – with Clalit policyholders leading in utilization rates, followed by Meuhedet.
• The proportion of surgeons in commercial insurance who hold management positions in hospitals is similar to that in Kupat Holim supplementary insurance.
• The report indicates that the advantage in the number of surgeons in commercial insurance exists in only a few fields, primarily ophthalmology, gastroenterology, and plastic surgery.
• Kupat Holim supplementary insurance also has an advantage in the geographical aspect – it provides broader access to pre-operative consultations in the south and north, with a higher rate of clinics in the periphery.

In recent decades, there has been a sharp upward trend in the penetration rate of commercial health insurance in Israel. This trend significantly impacts the public and private healthcare systems and is also reflected in the rise in household health expenditures – both in real terms and as a percentage of consumption, partly due to the significant increase in premiums for commercial health insurance and the deepening phenomenon of health insurance duplication.

The 2022 Ash Committee report indicated that commercial surgery insurance policies, particularly “first shekel” type policies, create expensive duplicate coverage for policyholders who also hold Kupat Holim supplementary insurance, leading to excess expenditure without real medical value.

In order to reduce the phenomenon of insurance duplication, the “From the First Shekel” reform was implemented in June 2024. Under this reform, policyholders who held these commercial policies were transferred to the “Kupat Holim Supplementary” track, with the option to return to a “first shekel” policy. Although nearly 600,000 policyholders were shifted, a roughly 40% increase in premiums for “first shekel” policies and incentives for insurance agents, who are often compensated as a percentage of the premium, led to a return flow of policyholders, so that “first shekel” type policies continue to hold the main share in the surgery segment. Thus, the phenomenon of insurance duplication remains widespread.

The Ministry of Health, through its Senior Department of Economic Regulation, aims to provide the public with relevant information about the private healthcare system, both in terms of funding and provision, in order to enable policyholders to make informed decisions. The report is intended to assist the public, policymakers, and relevant parties in gaining a clearer and more comprehensive picture of the surgeon lists in the health funds’ supplementary insurance programs and in commercial insurance policies.

The analysis presented in the report focuses on three main aspects: the actual surgical activity volume of the surgeons, their professional profile characteristics, and the geographical distribution of the clinics where they operate.

The report’s findings indicate that commercial surgery insurance, particularly “from the first shekel” type policies, generally provides limited value to policyholders compared to the coverage provided by Kupat Holim supplementary insurance regarding the actual supply of surgeons. This is despite the high cost of individual policies, especially the “first shekel” type. The added value is also relatively low in terms of the doctors’ professional profile, as sought-after surgeons likely tend to be included in the Kupat Holim supplementary insurance framework from the outset.
In many cases, policyholders holding both coverages are expected to encounter the same surgeons in both frameworks, especially when it comes to senior surgeons with management backgrounds. The report’s findings show that the quantitative advantage presented by commercial policies in surgeon lists sometimes reflects a theoretical supply, whereas in practice, more surgeons performed surgeries within the Kupat Holim supplementary insurance framework. This is due to the fact that the utilization rate of surgeries within commercial insurance is relatively low compared to its counterpart in Kupat Holim supplementary insurance. Geographically, Kupat Holim supplementary insurance offers broader and more accessible distribution in the periphery, while commercial insurance is more concentrated in the Tel Aviv area.

The totality of the findings reinforces the conclusion that Kupat Holim supplementary insurance constitutes a central, efficient, and accessible mechanism for financing private surgeries in Israel, both in terms of the number of surgeons who performed surgery under its arrangement and the volume of surgeries performed within it. In terms of surgeon selection, Kupat Holim supplementary insurance offers broad and significant lists, also with regard to the surgeons’ professional profile, specialization fields, and geographical distribution.

Therefore, policyholders who wish to hold private coverage in any case should be aware that no significant added value was found for “from the first shekel” type policies compared to supplementary Kupat Holim insurance policies, especially given that both policies offer access to the same list of surgeons. The report’s findings reinforce the need to carefully consider the necessity of these policies and the suitability of the insurance portfolio to the citizen’s risk aversion. This is because reducing the phenomenon of insurance duplication is expected to reduce household expenditures on health without compromising access to quality medical services, thereby offering good news to the insured public and alleviating the cost of living.

Chaim Hofart, Head of the Economics, Regulation, and Innovation Division at the Ministry of Health: “As part of our commitment to provide the public with relevant information about the private healthcare system, in order to enable policyholders to make informed decisions, we are publishing this report, which includes lists of surgeons in the health funds’ supplementary insurance programs and in commercial insurance policies, thereby providing the public with an important tool for financial management in this area.”

Assaf Avda, Senior Director of Economic Regulation in the Division: “The reform that came into effect in mid-2024 differentiated between insurance coverages and its purpose was to reduce the double expenditure of Israeli households on health insurance. The report we are publishing today provides the public with essential information to realize and understand the healthcare services they are funding. I am confident that this tool will be of assistance to all policyholders.”

Jerusalem, 6 January, 2026 (TPS-IL) — Interior Ministry Director General Israel Ozan announced an initial budget allocation of approximately 1.5 million Shekels ($470,000) for planning two new public beaches to be built in the Dead Sea area.

The planned bathing beaches will be built in the area and the planning process and required permits will be completed in 2026, with one beach being defined as a separate beach.

Interior Ministry Director General Israel Ozan: “The development of the beaches in the Dead Sea region is an important step in making a unique national resource accessible to the general public and will help develop the Dead Sea region. The new beaches will offer an organized, safe and respectful bathing experience. We will continue to promote responsible planning, organized and safe beaches for the benefit of the public.”

After a period of several months, political dialogue between israel and Syria, with American backing and support, has resumed.

The dialogue took place as part of President Trump’s vision to promote peace in the Middle East, during which Israel emphasized the importance of ensuring the security of its citizens and preventing threats on its borders.

Israel reiterated its commitment to promoting regional stability and security, and regarding the need to advance economic cooperation for the benefit of both countries.

It was agreed to continue the dialogue to advance common goals and maintain the security of the Druze minority in Syria.

Jerusalem, 6 January, 2026 (TPS-IL) — Prime Minister Netanyahu’s office Tuesday night revealed that, after a period of several months, diplomatic dialogue between Israel and Syria resumed with American backing and support.

“The dialogue took place as part of President Trump’s vision for promoting peace in the Middle East, during which Israel emphasized the importance of ensuring the security of its citizens and preventing threats within its borders,” said the Prime Minister’s Office (PMO).

The PMO said Israel reiterated its commitment to promoting regional stability and security and to the need to promote economic cooperation for the benefit of both countries and that it was agreed to continue the dialogue to promote common goals and maintain the security of the Druze minority in Syria.

Jerusalem, 6 January, 2026 (TPS-IL) — At age 101, holocaust survivor Bezalel (Salik) Katz’s last wish to gain public recognition and present his works to the general public was fulfilled as the artist got a solo exhibition.

Katz fought in the ranks of the Red Army in World War II, was mortally wounded, and just before his death was declared in the morgue, he came back to life.

His family perished in the Holocaust, but he chose life. Since then, he has painted thousands of works of art, including these days in the nursing home where he lives.

Now, as part of the “Wish for Exploitation” project of the Ministry of Welfare and Social Security and the Ezer Mitzion Association, the exhibition “Flying in Time” was launched for the first time in his life – a solo exhibition featuring paintings, portraits and landscapes he created over the years.

The “Heart’s Wish for Utilization” project’s members collected the paintings from various places, gathered details about each of Katz’s works, and located a gallery in Jerusalem – and now a solo exhibition of his works, “Flying in Time,” opened at the “Harmoni” Center in Jerusalem.

Jerusalem, 6 January, 2026 (TPS-IL) — Israel’s Central Bureau of Statistics reported that the net balances of the financial situation in December 2025 were positive, with the exception of the hotel industry. However, that industry also recorded an improvement compared to the previous month.

The net balances on sales in industry and the services sectors were positive and higher than their balances in the previous month.

Expectations for activity in January 2026 are positive in most industries.

Jerusalem, 6 January, 2026 (TPS-IL) — Israel’s Central Bureau of Statistics reported that in 2025 the Shekel (average exchange rate) strengthened against currencies traded in Israel.

The Shekel gained 8.6%, against the Canadian Dollar, 6.7% against the US dollar and the Jordanian Dinar, 5.6% against the Japanese yen, 3.9% against the British Pound Sterling, 2.7% against the Euro and by 1.2% against the Swiss Franc.

Jerusalem, 6 January, 2026 (TPS-IL) — The Unit for Coordinating the Fight Against Human Trafficking and Prostitution at Israel’s Just Ministry brought to the attention of the public considering using child surrogacy procedures in Ukraine, important information and a warning regarding the concerns arising from the procedures performed in that country.

The Unit monitors the patterns of conduct in surrogacy procedures outside of Israel, and conducts an assessment whenever indications arise that raise concerns about defects in the informed consent and free will of the surrogate mothers, and even their exploitation. In extreme cases, when these are serious and cumulative indications, it is even possible to indicate a concern about the existence of various criminal offenses, including human trafficking.

Among other things, the following indications were observed in Ukraine: cases of severe violence against the surrogate women, exploitation of particularly vulnerable women, bringing foreign women to Ukraine solely for the purpose of carrying out these procedures, stipulations Draconian surrogacy agreements that violate the rights of the surrogate and ignore the ongoing war in the region, as well as non-payment for the procedure.

In light of the above, the recommendation of the Coordination Unit for Combating Human Trafficking is to refrain from performing surrogacy procedures in Ukraine at this stage , in order to prevent harm and damage to the surrogate mothers, the intended parents and the newborn babies, and to prevent difficulties and problems in legal proceedings down the road.

Jerusalem, 6 January, 2026 (TPS-IL) — The IDF (Israel Defense Forces) reported that, in recent days, an intelligence indication emerged regarding a rally in support for terrorism that took place today (Monday) in the area of Birzeit University, located by Ramallah.

With the start of the gathering, IDF forces and Border Police entered the university area, used means for dispersing demonstrations, carried out warning shots into the air only, and dispersed the gathering.

Later, another violent disorder developed involving hundreds of suspects, which included throwing stones and rocks from rooftops in the area toward the forces in a manner that posed an immediate threat to them.

The forces responded with means for dispersing demonstrations and firing toward key violent activists.