Tofes 17: The Complete Guide to Getting Your Payment Commitment
Tofes 17 (Hitchayvut): How to Ensure Your HMO Pays for Hospital Care
If you are navigating the Israeli healthcare system, Tofes 17 is a term you must know. It is the financial bridge between your health fund (Kupat Cholim) and the hospital. Without it, you could be billed hundreds or even thousands of shekels.
1. What is Tofes 17?
It is a "Letter of Commitment" where your HMO agrees to cover the cost of a specific service provided by a third-party facility (usually a hospital).
2. When Do You Need It?
- Specialist consultations at a hospital clinic.
- Diagnostic imaging (MRI, CT, PET-CT).
- Planned surgeries.
- Emergency Room (ER) visits that don't meet the "free visit" criteria.
3. How to Apply (Step-by-Step)
1. Get a Referral (Efniya): Your GP or specialist issues the medical need. 2. Book an Appointment: Get the date and location from the hospital. 3. Use the App: Upload photos of your referral and appointment invitation to your HMO's mobile app. 4. Approval: Receive the digital PDF within 1–3 business days.
4. Cost
Most Tofes 17 approvals involve a small quarterly co-payment (approx. 35–45 NIS) which is automatically charged to your HMO account.
Summary
Never attend a hospital appointment without a confirmed Tofes 17. If you have trouble getting an approval for a specific hospital, ask your doctor for a "Medical Justification" letter to strengthen your request.
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