 Furthermore, Clalit was the only one not to restrict entry to new members based on age, pre-existing conditions, or other factors, although membership in the Histadrut labor union was a pre-condition for membership with Clalit.This meant that people who did not (or could not) have such an affiliation with the Histadrut and were unable to join another sick fund lacked health insurance coverage.Nevertheless, by the early 1990s approximately 95% of the population was insured by the four funds.