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Travel Insurance - Benefits of our Policy
"We don't sell airline tickets or membership of Kupat Cholim... However we are experts in travel insurance!"
When you buy travel insurance from your travel agent or local Kupam Cholim clinic, ask yourself the following:
1. Do they understand the "fine print" of the policy they are selling-in fact have they ever read it?
2. Are you sure that any special conditions or medical risks you have are properly covered?
3. Can your Travel agent/Kupal Cholim extend your policy if you are unexpectedly delayed overseas?
4. Most important question: Will the Travel agent or Kupal Cholim receptionist deal with your claims when you return?
We're here when you need us!
The son of a client of ours purchased a home recently. He took out a mortgage through the bank and they referred him to their insurance company. (The bank requires both life and
structure insurance). All good and well, until... the young man had a claim which involved water damage to his own apartment and to neighbor below. And now, surprise...the policy he has does not include Third Party Liability. While this is standard on most regular structure policies, apparently the issuers of mortgage policies are only concerned about the damage to "their" apartments and certainly not about the welfare of the client.
Therefore, the young man is now stuck with a large bill to cover his neighbor's damage.
Insurance policy - Yes
Proper coverage - No
1) Check if your mortgage policy has cover for Third Party damage. (If it's through a bank-connected insurance agency... it probably doesn't!)
2) Switch to a private insurance agent who will ensure you are properly covered.
Information on Foreign Driving Licenses
A question that often comes up with Olim Chadashim, tourists, returning Israelis is: What is the status of a foreign driving license? So here is a quick quiz to help you learn and remember the answers.
A quick quiz
1. An Oleh can drive for 3 years on his/her foreign license - Y/ N
2. As long as you retain your tourist status, you can drive on your foreign license indefinitely - Y/ N
3. If you're a returning Israeli and you took out a foreign license just before coming to Israel, you can transfer this to an Israeli license - Y/ N
**See bottom of article for the answers
1. Oleh Chadash, Tourist, Returning Resident, Temporary Resident Needs an Israeli license? Not immediatelyPeriod of time? Up to 1 year from date of entry to Israel.
2. Tourist/Student (coming in and out of Israel during the year)Period of time is unclear in the law, each case to be decided separately. Usually, each new entry to Israel starts the process again.
3. Transferring a foreign license to an Israeli licenseOleh Chadash - license can be transferred within 3 years of being in Israel, on condition that the foreign license was issued before the Aliyah date.Temporary Resident, Tourist, Returning Israeli - license can be transferred within a year of arrival in Israel, on condition that it has been valid for at least 6 months. For all transfers, one needs to take a simplified lesson/test. Contact a local driving school.
So, all of you driving with valid New York licenses, but not valid Israeli licenses... don't take the chance!!
**All answers are NO.
Make sure that your compulsory third party insurance or bituach chova is in your car.This is an area which is particularly confusing to olim chadashim and is often misunderstood by "veterans."
What is it?
The policy covers all bodily injury (including death c"v) which is the result of a motor accident. The policy provides cover for the driver, passengers and pedestrians that are injured in an accident.
What is it not?
The policy does not cover any damage to cars or property.
How does it work?
In practice, the insurance risk is covered by the insurance company that issues the policy. In case of an accident, your bituach chova will cover all those injured in your car irrespective of who was at fault.
What happens in the case of a "hit and run" accident?
This is covered by a special fund called "Karnit" which pays out the claim and then tries to find (and sue) the driver. The same principle applies to an "illegal" driver (e.g. a driver without a license, an underage driver, etc.) - the injured party would be paid out and then the driver would be sued.
Question: When I buy a car, can I use the old bituach chova until I organize things?
Answer: Don't do it! In case of an accident, it could mean that you are not covered. Make sure your own insurance is in place before you drive away.
Question: I'm selling my car, can I get insurance for a few days?
Answer: You can get temporary bituach chova for one or two weeks.
Question: I've forgotten to pay the chova and need to get to work. What should I do?
Answer: Many companies (and agents) have options for you to pay directly by credit card and have a paid bituach chova in minutes. This can then be faxed or e-mailed to you. If this option is not available - catch a bus!
Question: Can anyone use my car and be covered?
Answer: Yes, as long as he/she is doing so with your permission and has a license valid in Israel. (Residents in Israel for more than six months must change over their foreign licenses.)
Question: Can I take money for people using my car (e.g. a car pool)?
Answer: This is not covered by the standard chova. (This does not apply to someone offering to share petrol costs, etc.).
Question: If my car is stolen and then causes injuries to a pedestrian, am I liable?
Answer: Because you did not give permission, the injury is covered by "Karnit" and if found, the thief will be sued.
Last but not least, never forget to say Tefilas Haderech.
Third Party - What does it mean?
In the standard homeowner's policy, there is cover for any accident caused by you or your property which results in death or injury to someone else or damage to his/her property. The amount of this cover varies from company to company and is usually between NIS 500,000 - 1,000,000.
A few examples:
You open your umbrella in Safed and hurt someone - you are covered.
Your bath overflows and ruins the carpet of the neighbor below - you are covered.
The big question is - What is not covered? The following is a partial list:
a) Damage caused willfully by you.
b) Damage caused by you in your professional capacity - i.e. a doctor, who by mistake injures a person he is treating at home is not covered under this policy.
c) Guns - you are covered for damage or injury, but not if you are using the weapon as part of your miluim or if you are a policeman or security guard. In other words, if carrying the weapon is part of your job - the standard policy does not cover you.
d) Damage caused by dogs, cats, etc. - Domestic animals are covered on condition that they are tied up or muzzled as required.
e) "Shiputzim" - contractors' work in your home is not covered and requires a special policy.
f) Members of your family who live in your home cannot claim against the policy as Third Party. However, if they do not live at home permanently, they are like any other Third Party.
g) Someone employed by you or working for you.
To sum up:
Neighbors - Yes
Patient - No
Cat - Yes
Unmuzzled Rotweiler - No
Your live-in son - No
Your visiting mother-in-law - Yes
P.S. If you need a certain level of cover which is not covered under the standard plan, you must contact your agent. There are separate Third Party policies to cover all eventualities.
Type of Home:
Type of door:
Amount of jewelry:
Photo Equipment / Laptop:
Size of apt./Home:
Lien to Bank:
Method of Payment:
Credit card info:
Have you been insured before?:
Has any insurance company ever refused to issue a policy? :
Has any insurance company ever refused to renew a policy?:
Have you had any claims in the last 3 years?:
Have you ever had any criminal proceedings against you?:
Date of license:
All drivers from age 24
All drivers from age 21
All drivers from age 17
How many years have you been driving for:
Drive on Shabbat:
Type of insurance one year ago:
Number of claims:
Type of insurance two year ago:
Type of insurance three year ago:
Please enter either the car license/registration number, OR the car identification below