Health Insurance Coverage Information

Tel Aviv University International School PassportCard International Students Plan

Your health insurance is managed through the DavidShield Life Insurance Company and PassportCard Relocation, and your healthcare provider is Clalit Health Services (“Kupat Holim Clalit”).

Coverage includes your programs dates, or an agreed-upon alternative duration, including vacation days.

This insurance provides coverage for students only within Israel (it does not include coverage anywhere abroad, including the West Bank and Palestinian territories). The policy covers treatment by a large selection of English-speaking doctors in Clalit Clinics, as well as hospitalization in public hospitals.

Insured students will have access to PassportCard’s smartphone app and e-services website.

Via these online services, you will be able to update personal details and payment methods for charges/refunds, upload medical documents, and view policy details, as well as find your Clalit Member ID (starts with 728), which is required for identification when obtaining medical services via Clalit Health Services.

What’s Included?

The following is the outline of your health insurance policy which includes, but it is not limited to:

Comprehensive Medical Providers Network in Israel only. This includes physicians (practitioners and specialists), pharmacies, laboratories and x-ray facilities.
Services provided at clinics within proximity to the university (Ramat Aviv/North Tel Aviv).
Students may also use the Clalit network anywhere within the State of Israel. The 24-hour Assistance Center will provide referrals to the nearest physician.
Hospitalization for procedures which cannot be postponed in any hospital within the State of Israel.
Refunds for ambulance transportation in cases of emergency, as well as taxis when resulting in hospitalization.
Medications covered through in-network providers with no coinsurance.
A personal medical service ID number (starts with “728”). Upon presenting this number, a student is eligible to receive all services at no charge other than the standard National Healthcare copays. Medicines, laboratory tests or x-rays prescribed by the physician are provided or administered by Clalit network providers at no charge. Coinsurance may apply when using non-network providers.
Students may visit any participating general practitioner or specialist listed in the Clalit index without referral.
Coverage includes emergency dental treatment.
Coverage for emergency medical evacuation to your home country.
Coverage for physiotherapy and psychological treatments.
Pregnancy and Childbirth coverage may be purchased at an additional cost.
The 24-hour assistance center can be contacted regarding any medical problem that arises outside of business hours (including problems that may require treatment outside of the Clalit network).
Referral for emergency hospitalization may be made by any participating physician or the 24-hour assistance center. This referral is required prior to going to the hospital in order to receive coverage for the visit. In life-threatening emergencies, a student may go to the nearest hospital without prior notice to the insurance provider. The insurance provider should be advised as soon as possible after admittance.
The PassportCard Relocation customer service center is available 24/7 for any assistance in emergency and non-emergency situations.

Please refer to the policy terms and conditions and Table of Benefits for full benefit limits.

Exclusions and Limitations

Pre-existing conditions (according to the commencement date of the insurance), other than for asthma and allergies.
Any medicine or treatment not prescribed by the insurance company’s physicians.
Preventive drug treatment for acquired immunodeficiency syndrome (AIDS) or HIV carriers, or for aesthetic treatments and/or surgeries.
Pregnancies over 12 weeks and childbirth, unless purchased as additional coverage.
Dental treatments that are not considered an emergency (are not designed to relieve immediate pain).
Psychiatric treatment resulting from the deterioration of an existing condition, and according to the table of benefits.
Elective treatments for conditions that can be postponed until the student’s return to their home country.
Injuries incurred while intoxicated or under the influence of illegal substances.
Injuries incurred while participating in extreme sport activities (e.g., bungee jumping, mountain climbing, etc.).
Traffic accidents are not covered by your insurance policy, but rather under the Israeli law. In such cases, coverage is through the responsible party’s insurance or through a government fund, Karnit.
Work-related accidents are not covered by your insurance policy, but rather under the Israeli law. In such cases, please reach out to your employer.

Additional Coverage Outside of the Country

Optional traveler’s health insurance coverage is offered for travel outside Israel for an additional fee.  Please contact the customer service center for assistance.

Additional Coverage Outside of Program Dates

Students who plan to extend their stay after their program ends and/or who plan to arrive prior to their program start date, may purchase additional coverage days at an additional cost, and according to the available plan and premiums at that time.

Please note that students who already finished their program will be directed to the insurance company directly, to independently purchase this private insurance policy.

For more information, you are welcome to contact The Lowy International School’s health insurance team at insintl@tauex.tau.ac.il.