Lev HaTorah Shana Bet - CHAI Student Health Insurance

As of this year, your son will be insured under a new plan- the CHAI Student Medical Plan.

The plan has the following features:

  1. Dr. Lazar Fruchter, who has over twenty five years experience in caring for overseas students, is the medical director. He will  oversee the medical services that are provided, and will coordinate between parents, doctors, schools, and students.
  2. Comprehensive insurance cover through Harel- Israel's largest health insurance company. There is no deductible or co-pay. See policy conditions and table of benefits.
  3. Contracted doctors and clinics throughout the country – including all branches of TEREM and the urgent care center- Yad Sarah.
  4. Option for adding cover for pre-existing or chronic conditions.
    Premium- Additional $150
    Please read here: What is a pre-existing condition ?
  5. Option for adding cover for Poland trip: we will send all students a link closer to the date of the trip. Additional premium: $2 per day.
  6. The plan is administered by Egert and Cohen who bring their experience of over 25 years in student health insurance. www.egertcohen.co.il

The cost of the plan is $338 if paid before July 1st, and $374 if paid after that.

Signup Options:

1. Online Signup

2. Download the form and send with a check made payable to CTAS to the following address: Egert & Cohen P.O. Box 37051, Jerusalem, 9137001


Pre-existing conditions (not included in the basic policy)
Details of Coverage.
Sudden Deterioration of pre-existing illnesses/medical conditions:
In the 6 months preceding the arrival to Israel:

  1. The condition has been stable.
  2. No hospitalization.
  3. No change in the dosage of medication being taken.

Coverage: Up to $15,000

  1. Any condition for which the treatment was expected / for which a doctor in the applicant’s home country recommended the applicant not travel to Israel / for which the applicant was on a waiting list for an operation or treatment.
  2. AIDS, transplants, M.S., dialysis, C.F., sexual diseases, heart disease, malignant diseases (such as cancer).
  3. No cover for refills of medications related to the pre-existing condition.
  4. Applicants over 49 years of age.
  5. Applicants who do not have basic Tour and Care insurance or where the premium for the basic policy has not been paid.

Contact our office for more details

We wish you a pleasant and healthy stay in Israel.