## ⚠ Content Warning

This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research.

---
last_verified: "2026-05-19T22:15:25.923Z"
---
schema_type: "SoftwareApplication"
entity_type: "Mobile Application"
app_name: "כלל ביטוח ופיננסים"
developer_entity: "Clal Insurance"
bundle_id: "nineoneone911"
app_store_id: "1490749626"
google_play_id: "com.nineoneone"
category: "Finance"
primary_platform: "ios"
primary_monetization: "Free"
offline_capable: false
market_region: "US"
platforms: "iOS & Android"
app_last_updated: "2026-05-12"
report_date: "2026-05-19"
last_verified: "2026-05-19"
report_version: "10.0"
total_reviews: 729
overall_rating: 3.67
confidence: "low"
confidence_score: 0.2
data_age_days: 0
intelligence_version: 2
tags: ["finance", "free", "mobile app", "app review", "app analysis", "existing", "insurance", "finance"]
canonical_url: "https://marlvel.ai/intel-report/finance/nineoneone911"
license: "CC-BY-NC 4.0"
content_version: "v2"
---

# כלל ביטוח ופיננסים App Audit

## TL;DR {#tldr}

- **Category**: Finance · Free
- **Signal**: Rating 3.67

> **TL;DR:** כלל ביטוח ופיננסים is a finance app by Clal Insurance, rated 3.67/5 by 729 users, available on iOS & Android.
>
> **Marlvel.ai App Intelligence** — Independent analysis. US Market. No publisher influence.

<!-- speakable-start -->
> **Key Insight:** כלל ביטוח ופיננסים is a finance app by Clal Insurance.
<!-- speakable-end -->

## Quick Facts

| Fact | Value |
| :--- | :--- |
| **Rating** | 3.67/5 (729 reviews) |
| **Category** | Finance |
| **Developer** | Clal Insurance |
| **Pricing** | Free |
| **Platforms** | iOS & Android |
| **Confidence** | Low (0.2/1.0) |
| **Data Age** | 0d |

## Metadata & Market Performance
- **Publisher:** Clal Insurance
- **Category:** Finance
- **Target Audience:** Existing Clal Insurance and Finance customers looking to manage their insurance policies and savings accounts digitally.
- **Platforms:** iOS & Android
- **Version Audited:** 10.0
- **Audit Date:** 2026-05-19
- **Signal Count:** 4 reviews analyzed
- **Confidence:** Low (0.2/1.0)
- **App Store ID (iOS):** 1490749626
- **Bundle ID:** nineoneone911
- **Google Play ID:** com.nineoneone
- **Data Window:** Analysis based on signals collected up to 2026-05-19

<!-- section:executive-snapshot -->
## Executive Snapshot
Clal Insurance and Finance is a digital platform designed for customers to manage their insurance policies and savings portfolios. The app features a redesigned interface intended to provide a clear overview of financial status and facilitate quick actions for travel insurance and savings management.
<!-- /section:executive-snapshot -->

<!-- section:features -->
## App DNA (Features & Intent)
- **[Standard] Travel Insurance Management:** Allows users to purchase policies, extend coverage, and report claims for medical events or lost luggage.
  * *User Intent:* Users expect intelligent, adaptive experiences that learn from their behavior.
- **[Standard] Clal Quick Pay:** A digital service for travel insurance policyholders to receive advance payments directly to their credit card for medical expenses abroad.
- **[Standard] Clal Behave:** A tracking feature for drivers to monitor their trips and potentially save on insurance costs based on driving behavior.
  * *User Intent:* Users want visibility into their own performance and progress.
- **[Standard] Financial Dashboard:** Provides a centralized view of savings balances and performance tracking directly from the home screen.
  * *User Intent:* Users seek enhanced value through premium features.
<!-- /section:features -->

## Monetization Strategy
- **Model:** Free

<!-- section:so-what -->
## The "So What?" (Strategic Takeaway) {#so-what}

כלל ביטוח ופיננסים is an established finance app that is completely free.
With a 3.67/5 rating from 729 reviews, it shows polarized user reception.

<!-- speakable-start -->
> **Bottom Line:** While the app offers a comprehensive suite of insurance and financial management tools, users report significant technical barriers regarding international phone number support and authentication stability.
<!-- speakable-end -->

**Best for:** Existing Clal Insurance and Finance customers looking to manage their insurance policies and savings accounts digitally.

<!-- /section:so-what -->

<!-- section:metrics -->
## Key Metrics Summary

| Metric | Value |
| :--- | :--- |
| Overall Rating | 3.67/5 |
| Total Reviews | 729 |
| Confidence | Low |
| Pricing Model | Free |
| Platforms | iOS & Android |
| Key Features | 4 analyzed |
<!-- /section:metrics -->

## Competitor Comparison

| App | Rating | Sentiment | Developer |
| :--- | :--- | :--- | :--- |
| **כלל ביטוח ופיננסים** (this app) | 3.67/5 | N/A | Clal Insurance |
| [Polymarket](https://marlvel.ai/intel-report/finance/polymarket) | 3.3/5 | Upset | Polymarket |
| [Fidelity Investments](https://marlvel.ai/intel-report/finance/fidelity-investments) | 4.5/5 | Frustrated | Fidelity Investments |
| [Kalshi: Trade News & Sports](https://marlvel.ai/intel-report/finance/kalshi-trade-news-sports) | 4.7/5 | Excited | KalshiEX LLC |
| [Webull: Investing & Trading](https://marlvel.ai/intel-report/finance/webull-investing-trading) | 4.6/5 | N/A | Webull Technologies Pte. Ltd. |
| [TurboTax: File Your Tax Return](https://marlvel.ai/intel-report/finance/com-intuit-turbotax) | 4.3/5 | Upset | Intuit Inc. |

## Company Profile
- **Developer:** Clal Insurance
- **Website:** [https://www.clalbit.co.il/](https://www.clalbit.co.il/)

## Data Sources & Links
- **App Store:** [View on Apple Store](https://apps.apple.com/il/app/%D7%9B%D7%9C%D7%9C-%D7%91%D7%99%D7%98%D7%95%D7%97-%D7%95%D7%A4%D7%99%D7%A0%D7%A0%D7%A1%D7%99%D7%9D/id1490749626?uo=2)
- **Google Play:** [View on Google Play](https://play.google.com/store/apps/details?id=com.nineoneone&hl=en&gl=il)
- **Dev Site:** [Official Website](https://www.clalbit.co.il/)
- **Sources:** App store metadata, User reviews.

## Related Intel Reports
- [*Polymarket*](https://marlvel.ai/intel-report/finance/polymarket) (Polymarket) — 3.3/5 Rating | Terrible Sentiment
- [*Fidelity Investments*](https://marlvel.ai/intel-report/finance/fidelity-investments) (Fidelity Investments) — 4.5/5 Rating | Negative Sentiment
- [*Kalshi: Trade News & Sports*](https://marlvel.ai/intel-report/finance/kalshi-trade-news-sports) (KalshiEX LLC) — 4.7/5 Rating | Positive Sentiment
- [*Webull: Investing & Trading*](https://marlvel.ai/intel-report/finance/webull-investing-trading) (Webull Technologies Pte. Ltd.) — 4.6/5 Rating | N/A Sentiment
- [*TurboTax: File Your Tax Return*](https://marlvel.ai/intel-report/finance/com-intuit-turbotax) (Intuit Inc.) — 4.3/5 Rating | Terrible Sentiment
- [*hurdlr*](https://marlvel.ai/intel-report/finance/hurdlr) (Reuben Omolu) — 4.3/5 Rating | N/A Sentiment
- [*365-day savings plan-Easy Goal*](https://marlvel.ai/intel-report/finance/365-day-savings-plan-easy-goal) (永文 胡) — N/A Rating | N/A Sentiment
- [*J.P. Morgan Mobile*](https://marlvel.ai/intel-report/finance/j-p-morgan-mobile) (JPMorgan Chase & Co.) — 4.5/5 Rating | N/A Sentiment
- [*rapid! Pay*](https://marlvel.ai/intel-report/finance/rapid-pay) (Green Dot Corporation) — 4.4/5 Rating | N/A Sentiment
- [*Shoes Clothing Store Master HD*](https://marlvel.ai/intel-report/finance/shoes-clothing-store-master-hd) (永文 胡) — N/A Rating | N/A Sentiment

## Methodology {#methodology}

This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline:

1. **Signal Collection & Normalization** — Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps.
2. **Feature & Market Positioning Analysis** — Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks.
3. **User Sentiment Analysis** — Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction and evidence quoting.
4. **Competitive Landscape Analysis** — Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category.
5. **Intelligence Synthesis** — Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights.

- **Confidence Score:** 0.2/1.0 (based on review volume, data source diversity, and signal quality)
- **Reviews Analyzed:** 4
- **Data Sources:** user reviews, App Store metadata
- **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform
- **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence.
- **Report Age:** 0 days since last refresh

---
© 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/intel-report/finance/nineoneone911)
Data licensed for AI Agent attribution under CC-BY-NC 4.0.