Harel "First Class Passport" Insurance for Travelers Abroad from Israel December 2024 Version | Harel Travel Insurance abroad new policy ביטוח נסיעות לחו"ל הראל

6 בינו׳זמן קריאה 8 דקות

עודכן: 16 בינו׳

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Harel Travel Insurance abroad new policy - This Appendix has been translated into English for the convenience of the insured only. It is clarified that in the event of a contradiction and/or lack of clarity between what is stated in this translated policy and the terms of the policy in the Hebrew language -the terms of the policy as they appear in the Hebrew language will prevail.

Please visit the next page to read the full terms and conditions of the policy.

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Harel's travel insurance policy offers a wide range of benefits to ensure your peace of mind while traveling. From medical emergencies to lost luggage, Harel provides comprehensive coverage to protect you and your belongings. With additional options for specific activities, you can customize your policy to fit your unique travel plans.

Limits of Liability Table for Part A - Basic Policy

Section in Policy	Coverage	Limit of Liability	Deductible
Chapter 2 & Chapter 3	Insurer's limit of liability for Medical Expenses	$5,000,000	-
2.1	Medical Expenses Abroad during hospitalization	Included in Medical Expenses Liability Limit	-
2.2.1	Land evacuation from place of Event to nearest Hospital	Included in Medical Expenses Liability Limit	-
2.2.2	Air and/or water evacuation from place of Event to nearest Hospital	Included in Medical Expenses Liability Limit	-
2.3	Medical Flight to Israel	Included in Medical Expenses Liability Limit	-
3.1	Non-hospitalization Medical Expenses Abroad such as Physician, diagnostic tests	Included in Medical Expenses Liability Limit	-
3.2	Medications	$1,500	-
3.3	Emergency dental treatment	$400	-
3.4	Physiotherapy Abroad	$500 per treatment and up to 6 treatments	$50
3.5	Continued treatment in Israel as a result of an Accident that occurred Abroad	$10,000 and up to 120 days	-
3.5.1	Cast removal, nail removal and physiotherapy in Israel	$6000 included in limit of liability of continued treatment in Israel	20% per treatment
Chapter 4	Special expenses		-
4.1	Reimbursement as a result of staying Abroad beyond the Period of Insurance	As specified below	-
4.1.1	Accommodation expenses Abroad beyond the Period of Insurance for an Insured and/or an Escort	$150 per day	$50
4.1.2	Plane ticket to Israel for the Insured and/or an Escort	$1,000	$50
4.2	Flight and stay of an Escort at the Insured's place of hospitalization Abroad	$2,500	$50
4.3	Pregnancy first diagnosed Abroad	Included in Medical Expenses Liability Limit	-

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Section in Policy	Coverage	Limit of Liability	Deductible
4.3.1	Non-hospitalization Medical Expenses Abroad	Included in Medical Expenses Liability Limit	$50
4.3.2	Hospitalization Medical Expenses	Included in Medical Expenses Liability Limit	$50
4.4	Transportation of deceased expenses	Included in Medical Expenses Liability Limit	Without Deductible
Chapter 5	Search, location and rescue expenses through Harel 669	$250,000	Without Deductible
Chapter 6	Liability to third parties	$150,000	Without Deductible

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Age	Maximal period (in days)
0 – 40 (including)	365
41 – until the age of 60 (including)	180
61 – 75 (including)	120
76 – 80 (including)	60
81 – 85 (including)	30
86 – 95 (including)	30

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Limits of Liability Table for Part B - extensions for overseas travel insurance policy for extra premium

Section in Policy	Coverage	Limit of liability	Deductible
Chapter 14	Luggage (personal accompanied baggage) – loss or theft out of which:	$2,250
14.4.1	Limitation per item(including valuables)	$300	$50
14.4.2	All valuables accumulatively	$500	According to deductible per valuable
14.4.3	Purchase of vital items in the event of late arrival of luggage	$150	No deductible
14.4.4	Value of suitcase and/or bag and/or purse	$75	No Deductible
14.4.5	Camera and its accessories	$350	$50
14.4.6	Reconstruction of documents	$250	No Deductible
Chapter 14A	Special coverage for valuable(s) accumulatively – extension for extension of luggage coverage Chapter 14	$2,000	$50
	Camera, glider, sacred utensils, baby carriage, surfboard, wheelchair, scooter, musical instrument
Chapter 15	Cancellation and shortening of a Trip One of chapters 15A or 15B may be purchased – basis or extended
Chapter15A	Cancellation and shortening of a Trip – Basic
15.2A	Trip cancellation out of which: plane ticket for the Insured	$5,000	$2,000
15.3A	Trip shortening out of which: plane ticket for the Insured	$7,000	$2,000
15.3.2	Change of Trip plan – no Trip shortening	$1,000	$50
15.4	Reimbursement for a canceled Travel ticket in the event of a medical event due to an epidemic	$400	No deductible

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Section in Policy	Coverage	Limit of liability	Deductible
15.5	Loss of payments abroad in the event of a Medical Event due to an epidemic	$150 stay expenses per day and up to a maximum amount of $1,000	No deductible
15.7	Increasing the reimbursement ceiling for expansion for canceling and shortening a trip during an epidemic: (for additional insurance premiums)
15.7.1	Trip cancellation Out of which: travel ticket for an Insured	$150 stay expenses and up to a total amount of $5,000	$2,000
15.7.2	Extending or shortening a stay abroad Within it: travel card for the insured	$150 stay expenses and up to a total of $5,000	$2,000
Chapter15B	Cancellation of a trip and shortening of a trip - Extended
15.2 B	Cancellation of a trip Within it: ticket for the insured	$10,000	$3,000
15.3 B	Shortening of a trip Within it: ticket for the insured	$12,000	$3,000
15.3.2	Travel plan change – without travelshortening	$1,000	$50
15.4	Reimbursement for a canceled ticket in the event of a medical event due to an epidemic	$400	No deductible
15.5	Loss of payments abroad in the event of a medical event due to an epidemic	$150 stay expenses and up to a maximum amount of $1,000	No deductible
15.7	Increasing the reimbursement ceiling for expansion for canceling and shortening a trip during an epidemic (for additional insurance premiums)
15.7.1	Cancellation of a trip Within it: ticket for the insured	$150 stay expenses and up to a total amount of $5,000	$2,000

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Section in Policy	Coverage	Limit of liability	Deductible
15.7.2	Extending or shortening a stay abroad Within it: Ticket for the insured	$150 stay expenses and up to a total amount of $5,000	$2,000
Chapter 16	Deterioration of Pre-existing Medical Condition	$350,000
Chapter 17	Pregnancy up to week 32 to an Insured under 42 years of age	$350,000
Chapter 18	Amateur extreme sports	Included in the liability limit for medical expenses in the basic policy	$50
Chapter 19	Winter sport
19.2	Hospitalization Medical Expenses	Included in the Medical Expenses Liability Limit in the Basic Policy	No Deductible
19.2	Non-hospitalization Medical Expenses	Included in the Medical Expenses Liability Limit in the Basic Policy	$50
19.2.1	Indemnification for loss of ski days	$300	$50
19.2.2	Trip cancellation due to lack of snow at the ski resort Plane ticket Ground services	$300 <br> $50 per day up to 6 actual ski days	$50
19.2.3	Delay in arrival at ski resort due to weather	$50 per day up to 6 actual ski days	$50
19.2.4	Loss of 50 ski days as a result of closing the resort for a period of 48 hours and more	$75 per day up to 6 actual ski days	$50
19.2.5	Delay in arrival of winter sport equipment Out of which: one item	$200	$20
Chapter 20	Professional sports (main occupation and/or paid)	Included in the Medical Expenses Liability Limit in the Basic Policy	$50
Chapter 21	Loss or theft of a laptop/tablet	$2,000	$100
Chapter 22	Loss or theft of a cellular phone	$750	$200
Chapter 23	2 wheel bicycle (up to 90 days)

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Section in Policy	Coverage	Limit of liability	Deductible
23	Loss or theft (as per required insured sum according to bicycle value which is recorded on the Schedule) Damage or theft while with an air carrier	$2,500 <br> $4,500 <br> $6,000	As per purchased amount <br> Total loss - $50 <br> Theft - $250 <br> $1,000
Chapter 24	Cancellation of Deductible in case of accidental damage from a hired car/caravan Can be purchased one of chapters 24 or 24A
Chapter 24	Cancellation of Deductible in case of accidental damage from a hired car/ caravan (for a driver above the age of 24 and up to 75)	$1,500	No deductible
Chapter24A	Cancellation of Deductible in case of accidental damage from a hired car/ caravan (for a driver above the age of 24 and up to 75)	$6,000

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Section in Policy	Coverage	Limit of liability	Deductible
Chapter 25	Personal accidents insurance for an accident abroad		No Deductible
	1. Death	Compensation in the amount of: <br> 1. Death from an accident: compensation in the full and one-time insurance amount of $40,000.
	2. Disability	2. Disability from an accident: <br> Compensation is calculated according to the percentage of disability multiplied by the full insurance amount.
	3. Fractures	3. Fracture from an accident: <br> according to the compensation table in section 25.2.3 below and up to $1,000.
	4. Burns	4. Burns: according to the compensation table in section 25.2.4 below and up to $1,000.
	5. Day of hospitalization	5. Hospitalizaion from an accident: daily compensation in the amount of $100 per day starting from the third day and up to 180 days.
Chapter 25.4	Expansion to the personal accidents chapter - cancellation of the amateur extreme sports exception for an accident abroad	Cancellation of exception 25.3.2 and the coverage will be according to the ceilings and amounts specified in section 25.2.

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Harel's travel insurance policy provides comprehensive coverage for a variety of travel-related risks. It includes medical expenses, trip cancellation, lost luggage, and personal liability. Additional coverage options may be available for specific activities like winter sports or extreme sports. The policy offers various levels of coverage to suit different needs and budgets.