Do I need Health Insurance When Moving to Israel?

When planning a move to Israel as an expat or digital nomad, understanding the health insurance requirements is crucial. Israel has a public system, but newcomers may need to secure private health insurance to cover the period before they obtain residency or enroll in the national system. The Israeli Ministry of Interior generally requires that visitors staying longer than three months have health insurance that covers the entire duration of their stay. The policy should provide comprehensive medical coverage, including hospitalization, medical treatments, and repatriation, with a minimum coverage amount of at least 60,000 EUR (or equivalent in other currencies).

Does Expat Health Insurance Meet the Requirements?

Expat health insurance plans often meet the requirements set by the Israeli authorities. These plans typically offer comprehensive global coverage, including emergency medical evacuation and repatriation. However, it's essential to ensure that your specific policy covers the minimum requirements and is valid in Israel. Checking the fine print and consulting with your insurance provider before arrival is crucial to avoid any issues during the visa or residency application process.

Which Local Health Insurers Offer This Type of Insurance?

Several local health insurers in Israel offer plans tailored to expats and new immigrants. Some of the prominent providers include Harel Insurance, Clal Insurance, and Phoenix Insurance. These companies provide various health insurance plans that cater to the needs of newcomers, including coverage for hospitalization, medical treatments, and other essential health services. It's recommended to compare different plans and providers to find the one that best suits your needs and budget.

Advice from Expats in Israel about Health Insurance

Expats in Israel share valuable insights about health insurance. They advise newcomers to carefully review the terms and conditions of their insurance policies, ensuring that they meet the visa or residency requirements. Additionally, they recommend looking for plans that offer flexibility in choosing healthcare providers and cover pre-existing conditions, if applicable. Expats also suggest considering plans that provide dental and vision care, as these may not be fully covered under the public healthcare system. Moreover, being proactive in understanding the healthcare system and seeking recommendations from the local expat community can help newcomers navigate the process more smoothly.