Short Term Tourist Health Policy

The policy is issued by Harel Insurance Company Ltd., Israel’s largest health insurer.

The service is through top contracted English- speaking doctors and clinics and there is no deductible or co-pay (In other words, no need to pay and claim back home).

Cover is comprehensive and backed by a 24 hour English speaking customer service.

 

We recommend the Harel Insurance plan for anyone staying for up to one year in Israel. This is an inexpensive and comprehensive short-term local policy offering private coverage, including hospitalization, medication, general doctors and specialists. There is an excellent list of contracted English-speaking doctors and there is no deductible / excess for medical services. This plan does not include maternity cover.

Question: If I or my parents keep my U.S. or overseas insurance policy running, do I really need this?

Answer: The advantage of local policies lies in the fact that everything is covered in Israel without any cash outlay. There is no need to pay and claim back home, and there is no excess or co-payment – all medical services are billed directly to the insurance company.

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TABLE OF BENEFITS

Hospitalization

Hospital accommodation Paid in full up to policy limit
 ($100,000)
Hospitalization up to 90 days
Nursing care, drugs and surgical dressings
Surgeons, anesthetists, and physicians fees
Theater charges and intensive care
Pathology, X-rays, MRI, CT scans

Out-patient treatment

Specialists Contracted specialists/doctors/laboratories
Paid in full
Pathology, X-rays and diagnostic tests
Costs for treatment by family doctors
Out-patient surgical operations

Other benefits

Prescribed drugs and dressings Up to $200
Emergency dental treatment Up to $200-at contracted dentist
Emergency ambulance service Paid in full (if patient is subsequently hospitalized)
English speaking customer service line 24-hour
Emergency medical flight to country of origin
(If medical condition allows)
Full cover

Exclusions to this cover are:

  • Pre-existing or chronic conditions (e.g. asthma, Krohn’s disease, diabetes)
  • Well-care, routine check-ups
  • Pregnancy
  • Injuries caused due to alcohol or drugs
  • Self inflicted injuries
  • Skiing, extreme sports
  • Emotional / Psychological conditions

N.B. The full policy conditions are as they appear in the Harel Tour and Care policy (available on request).

Age Daily Rate  
Up to age 49 $1.60 Up to 365 days
Ages 50-59 $2.30 Up to 90 days
Ages 60-65 $3.80 Up to 90 days
Ages 66-75 $4.95 Up to 90 days
Ages 76-85 $6.50 Up to 45 days

For more information contact Tzippy Extn.107 (health@egertcohen.co.il)

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Trip Cancellation

This is advised for clients going on cruises or expensive travel packageswith no or little refund.
The coverage includes an option for "any reason" cancellation and is sold through Travel Safe.
Examples of cost:

  1. Family of six - $2,000 per ticket – Cost: $465 ("any reason" cancellation additional $230).
  2. Couple, age 50 - $5,000 per ticket – Cost: $248 ("any reason" cancellation additional $121).
  3. Single, age 20 - $2,000 per trip – Cost:  $76 ("any reason" additional cancellation $35).

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