Personal Accident Insurance for Students 2025-2026: The Complete Guide to Realizing Parent and Child Rights

Personal Accident Insurance for Students: The Complete Guide for Realizing Rights (2025-2026)

By: Attorney Yulia Moshinski Biton

The education system in Israel grants a significant safety net to every student, but many parents are not aware that the insurance is valid far beyond school hours. It is a compulsory insurance that applies to every student in an official educational institution (from kindergarten to 12th grade), and it is valid 24 hours a day, 365 days a year, anywhere in the country and the world.

The Central Advantage: Compensation Without the Need to Prove Negligence

A personal accident policy for students is of the "damage without fault" type. Unlike regular tort claims against the Ministry of Education or the municipality, here there is no need to prove that there was a hazard or lack of supervision. It is enough that physical damage was caused as a result of an accident to activate the insurance coverage and receive relatively quick compensation.

The Main Coverages in the 2025-2026 Policy

The current policy (in effect until 31.8.2026) includes compensation in the following cases:
1. Full and permanent disability: A basic amount of 336,180 NIS, with a severity grant that can bring the compensation to 504,270 NIS.
2. Partial and permanent disability: Proportional compensation starting from 5% disability.
3. Temporary disability: Daily compensation of 178 NIS in case of absence for over 55 consecutive days (with an addition for hospitalization days).
4. Refund of medical expenses: For expenses not covered in the health basket (up to a certain cap).
5. Rescue expenses and case of death: Dedicated coverage for extreme situations.

Parents Deserve it Too: Compensation for the Accompanying Parent

Many do not know that the policy also covers parents acting as official volunteers (accompanying trips, parents' committee, etc.). A parent injured in such activity is entitled to compensation for disability or death, as well as daily compensation for temporary disability (subject to incapacity of 45 days).

Important to Know: What does the insurance NOT cover?

The policy includes central exclusions, among them:
- Car accidents (covered under the Pelatad Law).
- Acts of hostility and war.
- Work accidents or injury from medical malpractice.
- Illnesses (unless caused directly by the accident).

Last Resort: The National Exceptions Committee

In complex or particularly difficult cases that were rejected, it is possible to turn to the Exceptions Committee. The committee is authorized to increase compensation for social reasons, fund medical opinions, and approve borderline cases from a vision of the student's best interest.

Aesthetic Scars: Is there compensation?

There is entitlement to compensation for aesthetic disability (scars), but only if a disability rate of 10% or more was determined for the student according to National Insurance regulations. Milder scars usually do not entitle to financial compensation in this policy.

In Summary
Don't wait with realizing the rights. Correct legal advice in the early stages is critical for maximizing the maximum compensation from the insurance company.

The content in this article was written for information purposes only and does not constitute a substitute for individual legal advice.