Clalit Health Fund Reports NIS 364 Million Deficit, Cites Structural Challenges
Translated & summarized from Ice by baba
Clalit, Israel's largest health fund, reported a deficit of NIS 364 million for 2025, making it the only fund with a negative balance despite overall financial stabilization in the healthcare system. The fund also experienced a slight decrease in market share, losing more members than it gained. Clalit attributes its deficit to structural challenges, including operating public hospitals and rehabilitation costs, while the Ministry of Health acknowledges the need for budget adjustments to address demographic changes and rising healthcare needs.
The story in 5 lines · by baba
- Clalit Health Fund ended 2025 with a deficit of NIS 364 million, the only fund in the red.
- The deficit represents a reduction from NIS 542 million in 2024, but Clalit's market share also declined.
- Clalit lost 84,100 members to competitors while gaining 73,000 in 2025.
- The fund cited operating 14 public hospitals and rehabilitation costs as structural challenges.
- The Ministry of Health noted a need to adjust budgets for demographic challenges and increased morbidity.
Israel's Ministry of Health has released its 2025 budget activity report, indicating overall financial stabilization across the healthcare system. However, Clalit, the country's largest health fund, is the sole organization to end the year with a deficit, reporting a shortfall of NIS 364 million (approximately 0.7% of its revenue). This figure represents a reduction from its NIS 542 million deficit in 2024.
The report, prepared by CPAs Moria Malihi and Oved Ben David, also shows a slight decrease in Clalit's market share. The fund now covers 50.78% of insured individuals in Israel, down from 50.96% in 2024. In terms of "standardized individuals," its share fell to 51.88% from 52.19% last year and 55.83% in 2014.
In 2025, Clalit gained 73,000 members from other funds but lost 84,100 to competitors. Responding to the report, Clalit stated that the change in market share is due to long-term demographic trends, as it historically insured Israel's older population. The fund also cited structural challenges, including operating 14 public hospitals without adequate reimbursement and rehabilitation costs for Soroka Medical Center following a missile strike.
Director General of the Ministry of Health, Moshe Bar Siman Tov, acknowledged the encouraging trend of financial stabilization and deficit reduction in the system but stressed the need to adjust budgets and support to account for increasing morbidity and demographic challenges. Haim Hofart, Head of the Economics Division at the Ministry of Health, added that the ministry aims to increase the demographic coefficient in the budget to prevent future deficits for the health funds.
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