Insurance for accident victims in Israel
The Bitouah Léoumi provides insurance for accident victims in Israel. This is a home accident allowance, on vacations and during leisure time, and which, following to the accident would have lost their functional abilities.
By law, the allowance is paid no later than 90 days from loss of functional capacity
What is an accident?
An eligible accident is a sudden event in which a person is physically injured by an accidental external factor and consequently loses his or her functional abilities, provided it is not a work accident or a road accident.
Loss of functional capacity is determined according to the following criteria:
- An employee or self-employed person, provided that he or she is unable to continue working, or to do any other work.
- A person who does not work or is not self-employed, provided he or she is hospitalized or bedridden at home.
- A housewife - provided she is unable to work at home.
Who is entitled to accident benefits?
An Israeli resident aged between 18 and retirement age (see "Retirement in Israel), who has suffered an accident in Israel or abroad, is entitled to accident benefits if he has lost his functional abilities, in accordance with the elements mentioned above, and provided that he is in Israel and has not worked at any job and has been medically examined within 72 hours of the accident.
A person who, during the period of loss of functional capacity, is entitled to payment under another law, such as sickness benefit, compensation for road accident victims, etc., will not be entitled to accident benefit.
Accident benefit rates per day
- An employee or self-employed worker - 75% du salary liable for insurance contributions to first quarter preceding the day of the accident, divided by 90 (capped at a maximum amount, updated annually).
- A working person and a housewife will also receive an allowance capped by law and updated each year..
Accident benefits will be paid up to a maximum of 90 consecutive days, from the day following the accident.
For employees and self-employed workersThe first two days will not be paid if he has lost his autonomy for less than 12 days.
For a non-working person or a woman at homewill not be paid for the first 14 days following the day of the accident.
Submitting a request
The application for accident benefits must be submitted to the branch of the Caisse d'Assurance Nationale nearest your home, together with the accident victim's medical certificate from the health insurance fund, within 90 days of From the date of the accident.
Applications submitted after this date may be rejected.
Form BL/2201 can be obtained from any branch of the Caisse d'Assurance Nationale (National Insurance Fund). download it from the website.
The form can be sent by post or fax, or dropped off in the agency's service box.