איך מקבלים החזר על מלונית יולדות, דולה או סקירות מקופת החולים והביטוח הפרטי?

באתר MamiRefund (mamirefund.co.il) מזינים את קופת החולים (כללית, מכבי, מאוחדת או לאומית), רובד הביטוח המשלים ופוליסת הבריאות הפרטית, והמערכת מחשבת בחינם את חלוקת ההחזרים האופטימלית מתוך סל ההיריון והלידה ומפיקה תיק מסמכים מסודר להגשה.

האם השירות ב-MamiRefund כרוך בתשלום או עמלה ליולדת?

לא. השימוש במחשבון והפקת תיק התביעה ב-MamiRefund הוא 100% חינם ליולדות בישראל, ללא עמלות הצלחה וללא אותיות קטנות.

What qualifying period is required for Shaban NIPT reimbursement?

Clalit Platinum, Meuhedet Si, and Leumit Zahav require a 6-month qualifying period in the top tier, whereas Maccabi Sheli requires 9 months.

Do I need a geneticist referral to claim NIPT from my health fund?

Health funds generally require only a valid tax invoice/receipt and proof of test execution showing gestational week; check your private policy if an OB/GYN visit note is requested.

What qualifying period is required for Shaban NIPT reimbursement?

Clalit Platinum, Meuhedet Si, and Leumit Zahav require a 6-month qualifying period in the top tier, whereas Maccabi Sheli requires 9 months.

Do I need a geneticist referral to claim NIPT from my health fund?

Health funds generally require only a valid tax invoice/receipt and proof of test execution showing gestational week; check your private policy if an OB/GYN visit note is requested.

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2026 Entitlement Guide • Non-Invasive Prenatal Testing

NIPT Genetic Test Reimbursement 2026: Israeli Health Funds & Private Insurance

How much money can you get back on a private NIPT blood test in Israel?

A private NIPT chromosomal blood test in Israel typically costs ₪2,800 to ₪4,200. Top-tier supplementary health fund plans (Shaban) reimburse 75% of the receipt out of your remaining pregnancy basket (up to ₪2,000–₪2,374 for a singleton pregnancy), and any unpaid balance can be submitted to private health insurance under Section 59.

2-Click Instant Check • No Phone Required

Check Your Estimated Health Fund Reimbursement in 10 Seconds

Select your health fund and maternity service to preview 2026 Shaban caps before opening the full allocator.

1. Choose Health Fund (Top Tier):

2. Choose Maternity Service:

Receipt amount (₪):

Estimated reimbursement from Clalit (Mushlam Platinum), subject to remaining basket:

₪2,374

75% refund subject to service sub-cap and total pregnancy basket ceiling (up to ₪2,374)

Section 59 of the Insurance Contract Law (no double indemnity): the unreimbursed balance (approx. ₪1,126) can be submitted for Top-Up under an eligible private health policy, up to 100% of actual cost.

Open Full Calculator With Selected Parameters

100% free for mothers • No phone or signup required • Multi-receipt optimization

Legal Notice: Self-service informational tool only (Section 20 of the Israel Bar Association Law). Does not constitute medical, insurance, or legal advice; eligibility depends on qualifying periods and official fund bylaws.

Head-to-Head NIPT Reimbursement Across All 4 Health Funds (2026)

Health Fund	Required Shaban Tier	Refund Rate	Pregnancy Basket Cap	Multiple Pregnancy
Clalit	Mushlam Platinum	75% of actual cost	Up to ₪2,374 from pregnancy basket	Doubled basket up to ₪4,748
Maccabi	Maccabi Sheli	75% of actual cost	Up to ₪2,358.97 from pregnancy basket	Standard basket (₪2,358.97)
Meuhedet	Meuhedet Si	75% of actual cost	Up to ₪2,365 from pregnancy basket	Doubled basket up to ₪4,730
Leumit	Leumit Zahav	75% of actual cost	Up to ₪2,000 from pregnancy basket	Doubled basket up to ₪4,000

How to Claim NIPT Without Wasting Your Recovery Hotel Cap (Section 59)

Filing NIPT to your health fund in the first trimester can exhaust your entire Shaban ceiling before birth, leaving zero budget for a postpartum recovery hotel or doula:

Have private ambulatory health insurance? Route NIPT to private insurance first

Leading Israeli insurers (Harel, Phoenix, Migdal, Clal, Menora) cover NIPT at up to 80% (capped around ₪1,800–₪2,500) while excluding postpartum hotels. Preserving your Shaban basket for recovery hotels maximizes combined payout.

Coordinate balances legally under Section 59 (no double indemnity)

Under Section 59 of the Insurance Contract Law, if your health fund reimburses part of the invoice, attach the fund payout letter and invoice copy to your private insurer to claim the remaining balance up to 100% of actual spend.

Verify invoice details (Verifi, Panorama, MaterniT21, Harmony, QNatal)

Ensure the tax invoice lists the mother's full name and Israeli ID number, explicit NIPT test description, blood draw date, and licensed Israeli entity number.

Medical & Actuarial Fact-Check & Verification

Reviewed & Certified by: MamiRefund Actuarial & Rights Realization Team (Healthcare Regulation & Maternity Entitlements Specialists)

Last Updated: November 2026

Official statutory and regulatory sources underpinning this guide:

2026 Shaban Bylaws (Clalit, Maccabi, Meuhedet, Leumit)Pregnancy basket ceilings and prenatal genetic screening rules
Section 59, Israeli Insurance Contract Law (1981)Coordinated indemnity across multiple insurers up to actual expense
Ministry of Health Prenatal Screening GuidelinesRecognized cell-free fetal DNA testing distributors in Israel

Know a friend who is pregnant or postpartum? Share with her

Help her claim up to ₪2,374 she legally deserves from her health fund and private insurance.

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מרכז מידע וזכויות יולדות 2026

Frequently Asked Questions: NIPT Refunds

Qualifying periods, documentation, and dual-claim strategy

No. As of 2026, NIPT is funded privately and reimbursed via supplementary health fund pregnancy baskets (Shaban) and/or private ambulatory insurance policies.