Israel Supplemental Health, Pension & Savings Benefits

Toku provides a comprehensive Supplemental Health and Pension Fund package in Israel. These benefits are designed to ensure compliance with Israeli labor law while supporting employees’ long-term health, financial security, and wellbeing.

Below is an overview of the benefits available to you. Some benefits are automatically provided, while others require enrollment. Please review each section to understand how coverage works and what action (if any) is required.

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Summary of Pension & Savings - Agam Leaderim

Toku partners with Agam Leaderim, a licensed Israeli pension agent and funds administrator, to manage mandatory pension, severance, and education fund benefits in full compliance with local regulations.

Employees are enrolled in accordance with Israeli labor law.

Contribution Breakdown

Employee Resource Documents

📄 Full Employee Benefits Guide - Hebrew 📄 Full Employee Benefits Guide - English

Pension & Savings Details

• Section 14: Applies
• Education Fund:
  • Coverage begins from the start of employment
  • Contributions apply up to the tax-recognized salary ceiling
  • Current salary cap for tax benefits: 15,712 NIS per month
• Severance Pay:
  • Employer contribution of 8.33%
• Employer Pension & Disability Contributions:
  • Pension: 6.5% employer contribution
  • Managers’ Insurance: 6.5% (minimum 5% allocated to retirement savings)
  • Disability Insurance: Applies only under Managers’ Insurance
  • Maximum combined pension + disability contribution: 7.5%

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Summary of Health Insurance (Remote Health by SafetyWing)

Toku provides international health insurance through Remote Health by SafetyWing. This plan offers comprehensive global medical coverage and is suitable for employees living and working in Israel.

Plan Overview

• Provider: SafetyWing (Remote Health)
• Coverage Type: International private medical insurance
• Annual Maximum: $1,500,000
• Coverage Area: Worldwide (with regional pricing adjustments)
• Employee Resources:
  • Schedule of Benefits
  • Policy Overview Video

Eligibility & Enrollment

• To enroll, please complete the enrollment form below:
  • Enrollment Form
• After submission, SafetyWing will contact you within 5 business days from [email protected] to collect any remaining details and finalize enrollment.

Premium Plan Pricing (Monthly)

How to Use Your Health Coverage

• You may visit any licensed medical provider
• Hospitalizations and certain treatments require pre-authorization
• Claims and approvals are handled directly through SafetyWing
• Support available via:
  • SafetyWing Live Chat
  • 📧 [email protected]

Claims, Support & Pre-Authorization

• Claims Submission:

  • Submitted directly through SafetyWing

• Pre-Authorization Requests:

  • Required for certain inpatient and high-cost services

• Member Support:

  • 24/7 via live chat or email 📞 Support channels:

• SafetyWing Live Chat

• 📧 [email protected]

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Summary of Covered Services

The sections below provide an overview of services covered under the Remote Health plan. Expand each section for more detailed coverage information.

In-Patient & Hospital Coverage

This coverage applies when treatment requires hospital admission.

• Hospital Accommodation:
  • Standard private room
  • Covered at 100% of Usual, Customary, and Reasonable (UCR) charges
• Surgery & Anesthesia:
  • Includes surgeon, anesthesiologist, operating room, and related fees
  • Pre- and post-operative care included
• Intensive Care Unit (ICU):
  • Fully covered when medically necessary
• Maternity Care:
  • Up to $4,500 per delivery
  • 20% co-insurance applies
  • 10-month waiting period
• Cancer Treatment:
  • Chemotherapy, radiotherapy, and inpatient oncology care fully covered
• Organ Transplants:
  • Covered when medically necessary, including donor-related medical expenses where applicable 🛑 Pre-authorization is required for hospital admissions lasting 5 nights or more*.*

Out-Patient & Specialist Care

This coverage applies to care that does not require hospital admission.

• Primary Care & Specialist Visits:
  • General practitioners and specialists covered at 100%
• Diagnostics & Imaging:
  • Laboratory tests, X-rays, MRIs, CT scans, ultrasounds
  • Covered when medically necessary
• Prescription Medications:
  • Covered as prescribed by a licensed physician
  • Subject to policy limits and formulary rules
• Physiotherapy & Rehabilitation:
  • Covered following injury, illness, or surgery
• Mental Health Services:
  • Psychiatry, psychology, and counseling
  • Up to 20 sessions per year under the Premium Plus plan
• Follow-Up Visits:
  • Follow-up appointments within 7 days at the same provider are covered at no cost

Preventative Care & Wellness Benefit

• Annual Wellness Checkups:
  • Routine preventive screenings covered
• Vaccinations:
  • Covered up to $500 per year
• Health Monitoring & Preventive Services:
  • Covered as medically appropriate

Dental Coverage

Dental benefits apply globally and are not restricted to a provider network.

• Preventive Dental Care:
  • Cleanings, exams, and routine preventive services
  • Covered up to $1,500 per year
• Routine & Major Dental Treatments:
  • Fillings, extractions, crowns, and other medically necessary procedures
  • Subject to annual limits
• Orthodontic Treatment:
  • Not covered under this plan 🦷 Dental services do not require pre-authorization.

Vision Coverage

Vision benefits apply without network restrictions.

• Eye Examinations:
  • Routine vision exams covered annually
• Prescription Glasses & Contact Lenses:
  • Covered up to $500 per year
• Vision-Related Medical Conditions:
  • Covered under outpatient or inpatient benefits, as applicable

Emergency, Evacuation & Travel Coverage

Emergency coverage applies both locally and while traveling.

• Emergency Medical Treatment:
  • Fully covered for accidents and sudden illnesses
• Emergency Treatment Outside Home Country:
  • Covered up to $50,000 per year
• Medical Evacuation & Repatriation:
  • Covered up to $100,000 when medically required
• Local Ambulance Services:
  • Covered when medically necessary 🚨 For hospital emergencies, notify SafetyWing within 48 hours of admission.

Chronic & Long-Term Conditions

• Chronic Conditions:
  • Conditions such as diabetes, hypertension, and asthma are covered
• Ongoing Treatment & Monitoring:
  • Covered according to medical necessity and policy limits
• Pre-Existing Conditions:
  • Covered from day one with no waiting period

Additional Benefits

• Wellness checkups and vaccinations (up to $500/year)
• Newborn care and maternity complications
• Chronic condition management
• Employee Assistance Program (EAP)