Darkonaim

Maccabi's insurance for non-residents, "Darkonaim" provides for your healthcare needs in Israel

Are you staying in Israel but not entitled to healthcare services under the National Health Insurance Law?

Darkonaim is the healthcare insurance plan just for you! Maccabi Healthcare Services, Israel's leading healthcare services provider, offers you the perfect health insurance plan for your situation at an attractive price.

Darkonaim is for any non-resident individual living in Israel - tourists, diplomats, students, businesspersons, and other foreign nationals, individuals subject to a waiting period under Article 58 of the National Health Insurance Law, partners of Israeli citizens, Israelis who lost their residency status, minors including children who were brought to Israel for adoption who await issue of their ID number, and others.

Darkonaim offers a broad nationwide array of accessible and readily available medical services; primary physicians, pediatricians, specialists, laboratory tests and clinics, imaging, referral to hospital emergency rooms and hospitalization, and medications included in the national healthcare basket.

The plan includes Magen Zahav rights, subject to the terms and conditions of the plan.

Terms and Conditions

Rates are determined at registration, subject to each applicant's state of health and age, based on Maccabi's tariff schedule which is updated from time to time. Darkonaim members who spend at least 3 consecutive months overseas are entitled to a discount of  75% during their absence from Israel.
 

National Health Insurance Law - Clause 58

According to Clause 58 of the National Health Insurance Law, Israeli residents who reside abroad for a continuous period of 2 years of more, during which national health insurance fees are not paid, are not eligible for healthcare services provided by Kupat Holim organizations.

 
The waiting period is two months for every year of absence and is determined by the National Insurance Institute.
For information on the length of the waiting period, refer to Maccabi Healthcare branches and the National Insurance Institute.
In addition, individuals who are no longer Israeli residents, but have returned to reside in Israel after March 1, 2003, and are recognized as residents by the National Insurance Institute, are not eligible for medical services before the end of the waiting period. 

 
The National Insurance Institute determines those individuals who are subject to a mandatory waiting period and notifies the Kupat Holim organizations. 

Further information is available on the National Insurance Institute website.

Individuals who are subject to a mandatory waiting period may apply for membership in the plan.