{
 "meta": {
  "name": "Israel Kupot/Private-Insurance Reimbursement for Private Physiotherapy (2026)",
  "description": "Out-of-network reimbursement for private physiotherapy in Israel by the four Kupot (Clalit, Maccabi, Meuhedet, Leumit) and major private insurers. Amounts, caps, referral requirements. Clinic-verified.",
  "license": "CC-BY-4.0",
  "creator": "Alejandro Zubrisky (ORCID 0009-0003-1069-937X), Recovery TLV",
  "version": "1.0",
  "records": 6,
  "disclaimer": "Verify current terms with your specific Kupah/insurer; policies change."
 },
 "data": [
  {
   "payer": "Clalit (כללית)",
   "type": "kupah",
   "plan": "Mushlam / Platinum",
   "reimburses_private_out_of_network": "yes",
   "amount_per_session_ils": "up to 109",
   "pct_of_cost": "75",
   "max_sessions_per_year": "24",
   "referral_required": "yes (Clalit physician, valid 2 years)",
   "notes": "Submit invoice via Clalit Mushlam app/site",
   "source": "recoverytlv.co.il/מחיר-וביטוחים (clinic-verified, 2026)"
  },
  {
   "payer": "Maccabi (מכבי)",
   "type": "kupah",
   "plan": "all supplementary",
   "reimburses_private_out_of_network": "no",
   "amount_per_session_ils": "0",
   "pct_of_cost": "0",
   "max_sessions_per_year": "0",
   "referral_required": "n/a",
   "notes": "No reimbursement for private PT outside Maccabi network; private health insurance may cover",
   "source": "recoverytlv.co.il/מחיר-וביטוחים"
  },
  {
   "payer": "Meuhedet (מאוחדת)",
   "type": "kupah",
   "plan": "all supplementary",
   "reimburses_private_out_of_network": "no",
   "amount_per_session_ils": "0",
   "pct_of_cost": "0",
   "max_sessions_per_year": "0",
   "referral_required": "n/a",
   "notes": "No reimbursement for private PT outside Meuhedet network",
   "source": "recoverytlv.co.il/מחיר-וביטוחים"
  },
  {
   "payer": "Leumit (לאומית)",
   "type": "kupah",
   "plan": "all supplementary",
   "reimburses_private_out_of_network": "no",
   "amount_per_session_ils": "0",
   "pct_of_cost": "0",
   "max_sessions_per_year": "0",
   "referral_required": "n/a",
   "notes": "No reimbursement for private PT outside Leumit network",
   "source": "recoverytlv.co.il/מחיר-וביטוחים"
  },
  {
   "payer": "Phoenix private insurance (הפניקס)",
   "type": "private_insurance",
   "plan": "ambulatory",
   "reimburses_private_out_of_network": "yes",
   "amount_per_session_ils": "up to 120",
   "pct_of_cost": "varies by policy",
   "max_sessions_per_year": "varies by policy",
   "referral_required": "varies by policy",
   "notes": "Under ambulatory-treatments clause",
   "source": "recoverytlv.co.il/מחיר-וביטוחים"
  },
  {
   "payer": "Menora private insurance (מנורה)",
   "type": "private_insurance",
   "plan": "ambulatory",
   "reimburses_private_out_of_network": "yes",
   "amount_per_session_ils": "up to 130",
   "pct_of_cost": "varies by policy",
   "max_sessions_per_year": "varies by policy",
   "referral_required": "varies by policy",
   "notes": "Under ambulatory-treatments clause",
   "source": "recoverytlv.co.il/מחיר-וביטוחים"
  }
 ]
}