Last Updated: September 2026 | Version: v2026.1 | Jurisdiction: Tel Aviv-Yafo, Israel
Key Summary: MamiRefund is an independent self-service calculation and document organization tool designed to help mothers claim pregnancy and childbirth reimbursements. The service is 100% free with zero success fees. We operate under a Zero-Knowledge privacy model: no human accesses your receipts, and documents are automatically and permanently purged within 60 days. MamiRefund does not provide formal medical, legal, or insurance advice. Final claim approval and payout amounts remain under the sole discretion of your health fund or insurance provider. Total operator liability is limited strictly to 0 ₪.
Terms of Use, Platform Scope and Liability Limitations
1. Nature of the Service (Pure Self-Service Technology)
MamiRefund provides automated algorithmic simulations based on the official 2026 bylaws of Israeli Health Funds (Clalit, Maccabi, Meuhedet, Leumit). The platform does not represent health funds, the Ministry of Health, or insurance carriers.
2. Zero-Fee Commitment (100% Free for Mothers)
Using MamiRefund is entirely free for the end-user. The platform charges no upfront filing fee, no recurring subscription, and no percentage of your claim payout.
3. Privacy and Automatic Document Deletion
All receipts, invoices, and claim forms are securely processed and automatically wiped permanently from our systems within 60 days, compliant with Israeli Privacy Protection Law Amendment 13.