CAARI Medical Insurance

The medical policy included in the CAARI program is under the auspices of Harel Insurance Company.  Harel is the only insurance company in Israel with experience and know-how of over 65 years in building policies applicable to the changing needs of various populations.  According to the National Board of Statistics, Harel issues 60% of all polices dealing with foreign travel insurance and/or foreigners visiting Israel.

Description of Benefits:

•   The policy covers all reasonable and customary charges for covered expenses up to a maximum of $100,000.00

•   Nationwide Hospitalization Coverage.

•   Surgical Treatment.

•   Emergency Room Coverage.

•   General practitioners, specialists, laboratories, X-rays, pharmacies throughout the country.

•   Home visits made by “Doctors on Duty” 24 hours a day.

•   Toll free hot-line services 24 hours a day by number 1-800-414-422.

•   Prescribed medication- up to $300.00 - per policy.

•   Emergency dental care- up to $200. 00 - per policy.

•   Emergency service when necessary.

•   English speaking professionals.

•   English speaking staff.

•   Repatriation Benefits in the event of death up to $5,000.

How the plan works

Upon registration you will be issued a computerized membership card, which will entitle you to medical care and facilities all over the country. There is NO deductible for doctor visits or for medication.

Important

Harel will handle your medical expenses including hospital costs, physicians and surgeons fees, out patient treatment and tests (subject to the policy terms and conditions).  The company will attend to all the small details that could otherwise spoil your stay here. You will not be held responsible for medical payments of any kind and therefore will not have to deal with reimbursements from insurance companies abroad. 

Exclusions:

1. All pre-existing conditions

2. Traffic accidents that involve bodily injuries. These are covered under the policy of vehicle owners or a special national policy for vehicles that are unknown or uninsured.

3. Terrorist attacks are covered in Israel by a national policy of the Israeli government for all affected individuals via the national social security system that applies to tourists as well as citizens.