By Nadine Cohen

Making Aliyah to Israel is a life-changing experience, full of hope, excitement, and new beginnings. However, as a new immigrant, it’s crucial to take the right steps to protect yourself and your family in your new home. One of the most important things you need to do is secure proper insurance coverage. Whether it’s health insurance, car insurance, or life insurance, having the best insurance after your Aliyah can make all the difference in ensuring your peace of mind as you adjust to life in Israel.

In this article, we will explore the best insurance options available to Olim (new immigrants) in Israel, focusing on health, car, and life insurance. With high-cost protection options and competitive rates, these policies will help safeguard your future in Israel.

Health Insurance for Olim in Israel: Essential Coverage

Health insurance is one of the most critical forms of protection you’ll need after making Aliyah. Israel’s healthcare system is among the best in the world, and as an Oleh, you are entitled to health insurance through the Israeli health insurance system, known as Kupat Holim. However, there are several ways to enhance your coverage depending on your needs.

1. Clalit Health Services
   Clalit is the largest and one of the most popular health insurance providers in Israel. They offer comprehensive coverage, including hospital care, doctor visits, prescription medications, and even maternity care. As a new immigrant, Clalit provides tailored plans that can accommodate your specific needs, such as coverage for English-speaking doctors and additional services. The quality of care, particularly for families, is highly regarded.
2. Maccabi Healthcare Services
   Maccabi is another top choice for Olim, offering premium services with excellent customer support in English. Maccabi’s health insurance packages include a variety of specialized services, including dental and mental health care, which can be crucial during your transition to Israel. Their extensive network of healthcare providers ensures that you have access to top-notch care wherever you are in the country.
3. Leumit Health Services
   Leumit provides specialized healthcare coverage for new immigrants to Israel. With a wide range of private and public healthcare options, they are known for excellent customer service, a robust online platform, and a focus on integrating new Olim into the healthcare system smoothly. Leumit also offers extra coverage for specialty treatments and quick access to specialists.

Car Insurance in Israel: Comprehensive Coverage for Drivers

If you plan to drive in Israel after making Aliyah, having proper car insurance is a must. The Israeli government mandates that all drivers have at least third-party insurance. However, it’s advisable to go beyond the minimum coverage for better protection. Here are some of the top car insurance options available in Israel:

1. Harel Insurance
   Harel is one of Israel’s most trusted insurance companies, offering a wide range of car insurance options, including third-party, comprehensive, and full-coverage policies. With an excellent reputation for customer service and claims management, Harel can help you get back on the road quickly if anything goes wrong. Their competitive pricing and robust coverage plans make them a top choice for new immigrants.
2. Phoenix Insurance
   Phoenix Insurance is another major player in Israel’s car insurance market. Known for its comprehensive policies, Phoenix offers coverage for accidents, theft, vandalism, and even natural disasters. They also provide 24/7 emergency services, ensuring that you’re always protected, no matter where you are in Israel.
3. Migdal Insurance
   Migdal is a popular option for those looking for reliable car insurance. With a range of plans tailored for new immigrants, Migdal offers flexibility and comprehensive coverage at competitive rates. They also provide discounts for safe driving and vehicle security systems, making it a great choice for Olim looking to save money while still having top-notch protection.

Life Insurance in Israel: Securing Your Family’s Future

Life insurance is essential for ensuring the financial security of your loved ones in the event of an unforeseen tragedy. As a new immigrant, it’s important to understand the types of life insurance policies available and select one that best fits your situation.

1. Ayalon Insurance
   Ayalon Insurance offers tailored life insurance policies for Olim, with options for whole life, term life, and family life insurance. Their flexible plans allow you to customize coverage to meet your personal and family needs. Ayalon’s life insurance policies are especially recommended for young families who want to secure their children’s future while they’re still adjusting to their new life in Israel.
2. The Menora Mivtachim Group
   Menora Mivtachim is one of the largest insurance providers in Israel, offering a variety of life insurance plans for Olim. Their comprehensive life insurance packages ensure that your loved ones are financially protected, providing benefits like income replacement, educational funding, and funeral expenses. Menora Mivtachim’s policies are ideal for those looking for a long-term safety net for their families.
3. Shomria Insurance
   Shomria specializes in life insurance and offers tailored coverage for new immigrants to Israel. Their policies provide extensive coverage in the event of death, disability, or critical illness. Shomria’s life insurance is designed to give you peace of mind, knowing that your family will be financially taken care of in your absence.

Tips for Choosing the Best Insurance After Your Aliyah

1. Understand Your Needs
   Before choosing any insurance policy, it’s important to evaluate your personal situation. Do you need additional coverage for health, life, or car insurance? Consider whether you have dependents, whether you plan to drive, and whether you need extra medical coverage.
2. Compare Plans
   Israel offers a wide variety of insurance providers, so take the time to compare policies. Look for competitive rates, reliable customer service, and extensive coverage options. Online comparison tools can help you find the best plans for your needs.
3. Consider Bilingual Services
   As an Oleh, you may prefer a provider that offers bilingual support. Many Israeli insurance companies offer services in English, which can make your transition to the Israeli system easier and stress-free.
4. Check for Discounts and Deals
   Some insurance providers offer special deals for Olim, including discounted rates on car insurance or health insurance coverage. Be sure to inquire about any available promotions to save money while securing the best coverage.

Conclusion: Securing Your Future in Israel

After making Aliyah, the best insurance is not just about protecting your health and property—it’s about securing your peace of mind. By selecting the right health, car, and life insurance policies, you can focus on building your new life in Israel with confidence. Make sure to explore all your options, compare rates, and find coverage that suits your unique needs as a new immigrant.

Choosing the best insurance after your Aliyah is an essential step in ensuring a smooth and successful transition to life in Israel. With the right protection in place, you’ll be able to embrace this exciting new chapter with confidence and security.