israeli-hmo-navigator

israeli-hmo-navigator is a skill for Claude Code, Codex from skills-il/health-services. It costs 134 tokens per session (6,533 once invoked), scanned A, original, MIT.

A guide to Israel's four health funds, called kupot cholim, and the rules for costs, referrals, emergency-room fees, and coverage.

In plain words
What is it for?
Use it to navigate Clalit, Maccabi, Meuhedet, or Leumit questions, including health-basket coverage, copayments, and Form 17 approvals.
Why use it?
It helps people work out which payment, exemption, or approval form may apply to a healthcare decision in Israel.

Skill for Claude CodeCodex

Written for no agent in particular: nothing here depends on one.

Good fit Use it to navigate Clalit, Maccabi, Meuhedet, or Leumit questions, including health-basket coverage, copayments, and Form 17 approvals.

Compare 6 skills from other repositories ↓
Install with agentmods
npx agentmods add skills/skills-il/health-services/israeli-hmo-navigator
Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Any agent
npx skills add skills-il/health-services --skill israeli-hmo-navigator
Clone the repo
git clone --depth 1 https://github.com/skills-il/health-services

Made for: Claude Code, Codex.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

agentmods badge for israeli-hmo-navigator

README.md
[![agentmods](https://agentmods.dev/badge/skills/skills-il/health-services/israeli-hmo-navigator/github.svg)](https://agentmods.dev/skills/skills-il/health-services/israeli-hmo-navigator)
Your own site
<a href="https://agentmods.dev/skills/skills-il/health-services/israeli-hmo-navigator"><img src="https://agentmods.dev/badge/skills/skills-il/health-services/israeli-hmo-navigator/github.svg" alt="Measured on agentmods" height="20"></a>

Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.

agentmods 80×15 button for israeli-hmo-navigator

Your own site · 80×15
<a href="https://agentmods.dev/skills/skills-il/health-services/israeli-hmo-navigator"><img src="https://agentmods.dev/badge/skills/skills-il/health-services/israeli-hmo-navigator.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 134 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 6,533 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe.
Origin original No closer match found in the catalogue.
Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

ModelPer sessionOnce invoked
Fable 5.1 $0.00134 $0.06533
Opus 5 $0.00067 $0.03266
Sonnet 5 $0.00027 $0.01307
Haiku 4.5 $0.00013 $0.00653

Measured 12d ago against content hash ad7dc27f2396, method: parsed. Prices are Anthropic first-party input rates as of 2026-09-12, from the pricing page.

Security

Grade A, and why

israeli-hmo-navigator scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 12d ago.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

israeli-hmo-navigator/SKILL.md · 254 lines

How it starts

The opening of the file, as written. The whole thing — 254 lines — stays where its author put it; the contents beside it link to each section on GitHub.

Israeli HMO Navigator

How to use this skill, and its dating rule

Israel's National Health Insurance Law of 1995 guarantees universal coverage through four kupot cholim. This skill routes a member to the right cost, the right exemption and the right form.

Two vintages of amounts are in circulation right now: the Ministry of Health circular חוזר סמנכ"ל לפיקוח על קופות החולים ושב"ן 1/2025 (published 12.08.2025, effective 1 April 2025), which is the statutory table, and each kupah's own tariff page, which carries 2026-indexed values roughly three percent higher. No 2026 payments circular exists yet.

Rules for any answer you give from this skill:

  1. Always attach the "as of" date to an amount.
  2. Always say which of the two vintages the amount came from.
  3. Never average two conflicting figures, and never silently pick one. State both.
  4. Tell the user to confirm the amount on their own kupah's page before relying on it. The reference data here is exactly the thing that drifts.
  5. If a figure is not in this skill's reference files, say you do not have it rather than estimating.

The bulk tables live in references/. Load the one you need:

File Contents
references/copay-tables.md statutory table, all four kupot's own 2026 tables, urgent care and home visits, prescription schemes, the six open conflicts
references/er-waiver-list.md the full statutory פטור מלא list, the two agra-only triggers, the retro-claim procedure, each kupah's own extensions
references/exemptions-and-ceilings.md the section 16 population table, the ceilings, the stacking rules, the retirement-age trap

The four kupot and how to reach them

Kupah Hebrew Phone Supplementary tiers, entry then premium
Clalit Health Services כללית שירותי בריאות *2700 כללית מושלם, then כללית מושלם פלטינום
Maccabi Healthcare Services מכבי שירותי בריאות *3555 (מכבי ללא הפסקה) מכבי זהב, then מכבי שלי
Meuhedet מאוחדת *3833 מאוחדת עדיף, then מאוחדת עדיף Plus
Leumit Health Fund לאומית שירותי בריאות *507, also 1700-507507 לאומית כסף, then לאומית זהב

Read the full file on GitHub · 254 lines

Files

What ships with it

6 files beside SKILL.md in the same directory: the scripts, references and assets a skill reads on demand. Not counted in the per-session cost; read them before you install if any of them is executable.

Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

  1. 12d ago First seen · 254 lines · 134 tokens per session scan A ad7dc27f2396

Subscribe to this mod's changes

israeli-hmo-navigator is a skill published in the GitHub repository skills-il/health-services (5 stars, last pushed 10d ago), licensed MIT. It adds 134 tokens to every session and 6,533 once invoked, about $0.0007 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-31.

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