Harel Travel Insurance
Up to $5,000,000 in Medical Cover Abroad
Harel Passport First Class combines broad medical cover with a 24/7 Israeli medical emergency centre, the AirDoctor doctor-finding service, Harel Search and Rescue and fast approved-claim payments through the LAYA digital wallet. Online purchase is available up to age 95, subject to the policy terms and underwriting requirements.
Buy online nowTravel With the Right Cover and the Right Support
Egert and Cohen arranges travel insurance for Israeli residents and foreign citizens travelling overseas, including travellers who may need additional consideration because of existing medical conditions, pregnancy, age, destination or planned activities.
Policies can be purchased online. The Egert and Cohen team is available to help select the appropriate extensions and to assist personally if a claim is filed.
Why Do I Need Travel Insurance
Summary of Harel Passport First Class Policy
- Medical cover: Up to $5,000,000 per insured person, as one cumulative limit covering the eligible medical items listed below.
- Age and duration: Online purchase is available up to age 95. Maximum policy duration varies by age, from 365 days through age 50 to 30 days from age 81.
- Core deductibles: No deductible applies to the core medical expenses, hospitalisation or evacuation items shown below. Specific benefits have their own deductibles.
- Included benefits: Search, location and rescue up to $250,000 and third-party liability up to $150,000 are included in the premium, but may be removed at the insured’s request.
- Pre-existing conditions: Cover is available only through a paid extension, subject to underwriting, a shorter maximum period and the terms of the extension. Organ transplants are not covered.
- Cancellation and curtailment: Basic and extended tiers are available.
- In an emergency: Harel’s medical centre operates 24/7. Air or sea evacuation requires the insurer’s prior approval.
Schedule of Benefits
Medical Expenses Coverage
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Medical Expenses Coverage
Limit of liability
Deductible
Overall medical expenses limit per insured person
One cumulative limit for all eligible medical items below
$5,000,000
None
Hospitalisation abroad
Semi-private room, tests, medication, surgery and intensive care
Within the medical limit
None
Ground evacuation from the scene to a nearby hospital
Within the medical limit
None
Air or sea evacuation to a nearby hospital
Prior approval is required
Within the medical limit
None
Medical air repatriation to Israel
Carried out exclusively by Harel or on its behalf
Within the medical limit
None
Medical expenses outside hospital
Doctor, diagnostic tests, imaging and a medical device fitted following an accident
Within the medical limit
None
Prescription medication
Does not cover medication taken on a permanent, ongoing basis
Up to $1,500
None
Emergency dental treatment
Pain relief only; routine or postponable treatment is not covered
Up to $400
None
Physiotherapy abroad following an accident
$500 per session
Up to 6 sessions
$50 per session
Follow-up treatment in Israel after an accident abroad
Up to 120 days after arrival in Israel or the end of the insurance period, whichever is earlier
Up to $10,000
None
Within the follow-up benefit: cast removal, pin removal and physiotherapy in Israel
Not additional to the $10,000 limit
Up to $6,000
20%
Search, location and rescue
Up to $250,000
None
Third-party liability
Up to $150,000
None
Optional Extensions
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Optional Extensions
Available for additional premium
Limit of liability
Key conditions and deductible
Deterioration of a pre-existing medical condition
Up to $350,000
Within the medical limit, not additional to it. Subject to digital underwriting and a shorter maximum insurance period. Organ transplants are excluded.
Baggage loss, theft or delay
Loss or theft: up to $2,250 total
Delay over 24 hours: up to $150
Loss/theft deductible $50. Single item $300; all valuables $500; camera/equipment $350 with $50 deductible; suitcase or wallet $75; document replacement $250. Delay: receipts required, less airline compensation; no deductible.
Laptop or tablet
Up to $2,000
Loss or theft only, not damage. Device must have been purchased before the insurance period. Deductible $100.
Trip cancellation or curtailment
Basic: cancellation $5,000; curtailment $7,000
Extended: cancellation $10,000; curtailment $12,000
Medical reasons and events defined in the policy. Extended cover has higher limits and includes epidemic cover. Flight-ticket sub-limit: $2,000 basic or $3,000 extended. Deductible $50.
Winter sports and skiing
Within the medical limit plus the extension’s specific benefits
Skiing, snowboarding, sledges and snowmobiles only at a designated site, during published opening hours and on marked runs. Available up to age 80 and may be purchased for part of the trip. $50 deductible on out-of-hospital expenses.
Mobile phone
Up to $750
Loss or theft only, not damage, for a phone taken from Israel. Deductible $200.
Pregnancy up to week 32
Up to $350,000
Within the medical limit, not additional to it. For an insured woman under age 42 on the date of the event, through week 32, including premature birth, newborn expenses and the newborn’s medical air transport.
Maximum Policy Period
Age of insured person
Maximum period of the basic policy
0-50 inclusive
365 days
51-60 inclusive
180 days
61-75 inclusive
120 days
76-80 inclusive
60 days
81-85 inclusive
30 days
86-95 inclusive
30 days
Basic Daily Premiums
The amounts below are basic daily premiums. Optional extensions cost extra.
Age
USA
Rest of world
Maximum days
0-50
$3.50
$2.50
365
51-60
$3.50
$2.50
180
61-65
$6.80
$3.80
120
66-70
$9.70
$4.80
120
71-75
$11.60
$6.55
120
76-80
$21.20
$11.60
60
81-85
$21.20
$11.60
30
86-95
$32.50
$17.50
30
AirDoctor Medical Service
AirDoctor helps eligible travellers find a nearby private doctor and book an appointment through the app. In many cases, payment is arranged directly so the traveller does not need to pay the doctor and request reimbursement afterward. Service availability, eligibility and payment arrangements are subject to Harel’s terms and the circumstances of the consultation.
Further information about the AirDoctor benefit will be emailed to the policyholder.
Medical Reimbursement Straight to Your LAYA Wallet
LAYA is a digital payments wallet offered in partnership with Harel. Approved medical expenses can be reimbursed to the wallet on a fast track, and the wallet can be used to pay at participating businesses worldwide, subject to the app’s terms.
Ready to Travel?
Buy online nowThe Numbers to Save Before Take-Off
Save these Harel contact details before travelling. Contacting the insurer before hospitalisation or evacuation can help Harel coordinate the care and, where permitted, arrange payment directly.
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Service
Contact details
When to use it
Medical Emergency Centre 24/7
+972-3-754-7030
WhatsApp: 052-754-4589
Hospitalisation abroad and medical emergencies.
Harel Search and Rescue
+972-3-754-7669
669@harel-ins.co.il
Fax: +972-3-734-8484
Search, location and rescue assistance.
Overseas Claims Department
03-754-7080
tvioth@harel-ins.co.il
Fax: +972-3-734-8168
Claims in Israel. Sunday-Thursday, 08:00-16:00.
Notify Harel as soon as an insured event occurs and submit the required documents promptly. Delay or failure to cooperate may reduce the payment. Claims generally become time-barred five years after the insured event, except for third-party claims. The policy wording and applicable law control.
Important Policy Notice
This page is a general, non-binding summary and does not replace the full policy, extensions, proposal, medical underwriting, insurance details page or Harel’s current rate sheet.