Do I need Health Insurance When Moving to Israel?

When moving to Israel as an expat or digital nomad, it's crucial to understand the health insurance requirements that will ensure your stay is both legal and safe. Israel has a modern healthcare system, and all residents contribute to and benefit from it. However, as a newcomer, you won't have immediate access to this system. Therefore, it's essential to have private health insurance to cover any medical needs during the initial period before you obtain residency or are enrolled in the public healthcare system. The insurance should meet minimum coverage amounts and be valid for the length of your stay until you're eligible for the national healthcare system. Specific requirements can vary, so it's important to check the latest regulations before your move.

Does Expat Health Insurance Meet the Requirements?

Most expat health insurance plans are designed to meet the requirements of various countries, including Israel. However, it's important to verify that your chosen plan complies with Israeli regulations. The insurance should cover a range of medical services, including hospitalization, primary care, and emergency treatments. It's advisable to ensure that the policy's coverage amount is sufficient to cover any healthcare costs you might incur, as medical treatment without insurance can be expensive. Additionally, the policy should remain valid until you are fully integrated into Israel's public healthcare system, which typically happens after obtaining residency.

Which local health insurers offer this type of insurance?

In Israel, there are several local health insurance providers that offer plans suitable for expats and digital nomads awaiting residency. These include Clalit, Maccabi, Meuhedet, and Leumit, which are the four Health Maintenance Organizations (HMOs) in the country. These HMOs provide a range of private insurance options that can be tailored to meet the needs of newcomers. Additionally, there are private insurance companies such as Harel, Menora Mivtachim, and Migdal that offer comprehensive health insurance plans. It's recommended to compare the plans and choose one that offers the best coverage for your specific needs, including any pre-existing conditions you may have.

Advice from Expats in Israel about Health Insurance

Experienced expats in Israel often emphasize the importance of thoroughly researching and understanding the terms of any health insurance policy before signing up. It's crucial to ensure that the policy covers not only emergency medical care but also routine visits and prescriptions. Expats also advise paying close attention to any exclusions or limitations in the policy, particularly regarding pre-existing conditions. Another tip is to consider the network of hospitals and clinics covered by the insurance, as this can affect your access to healthcare services in different parts of the country. Lastly, expats recommend reviewing the claims process to ensure it is straightforward and that the insurer has a reputation for reliable customer service and prompt handling of claims.