Har HaBituach (הר הביטוח): see all your insurance policies in one place
The Har HaBituach website lets you see in one place the insurance policies registered in your name, their costs, and cases where coverage may overlap. This page explains how to use the site, identify duplicate insurance, generate a claims-history report, and decide which policies to keep, update, or cancel.
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One of the biggest challenges in managing your money is keeping track of insuranceA contract under which an insurance company undertakes to compensate the insured in the event of damage in exchange for a periodic payment.. Many of us hold policies purchased over the years through agents, workplaces, or banks, and sometimes it is hard to know what we are paying for. The state created the Har HaBituach website to give you a complete, free picture of all the insurance policies registered in your name.
How does it work?
After a short identity-verification process, the site presents a consolidated report of every policy and service plan that was in force during the previous month.
What will you see in the report?
- The type of insurance (health, car, life, and so on)
- The name of the insurer and the policy
- The exact monthly and annual cost
Identifying duplicate insurance coverage
One of the site's important services is flagging cases where duplicate insuranceA situation in which multiple policies cover the same risk, resulting in unnecessary premium payments. may exist—that is, a situation in which you are paying two different companies for exactly the same risk.
Where does this usually happen?
- Two personal accident insurance policies.
- Two property insurance policies for the same car.
- Overlap between different medical coverages.
Insurance history: a discount on car insurance
Har HaBituach lets you generate a no-claims report for the past three years. If you were careful drivers and did not file any claims, you can present this report to any company you choose and receive a significant discount on the premiumThe periodic payment made to the insurance company.. The report can be generated immediately and free of charge.
Sending the reports for an external review
Would you like a professional to take a look at your portfolio? The site lets you send the reports directly to your email, to an insurance agent, or to a financial adviser. This is an excellent tool when you want to conduct a periodic "system review" or compare new offers with what you have today.
Frequently asked questions
Does it cost money to use the site?
No. The service is provided free of charge by the Capital Market Authority for the benefit of the public. Some private sites use a similar name and present themselves as the free site, but their service costs money.
Can I also see pension funds and advanced study funds on the site?
No. For pension savings, use HaMislaka HaPensionit (המסלקה הפנסיונית; the Pension Clearinghouse), which we will discuss in more detail in the pension chapter. Har HaBituach is intended only for insurance policies.
What should I do if I find duplicate insurance?
It is recommended to compare the terms of the two policies. If they are indeed identical, contact the more expensive or less suitable company and ask to cancel the policy.
In summary
A brief check on Har HaBituach once a year is one of the simplest and most worthwhile steps you can take for your wallet. The information is there—you just need to log in and retrieve it.