Accident Injury

 The form  a benefit claim for Accident Injury Insurance should be submitted at the local  NII branch near the claimant’s place of residence within 90 days of the accident date. A claim submitted after this period may be rejected.

The last page of the claim form is the “initial medical certificate for an accident victim.” Your doctor must fill out all the details on the certificate and sign it. The form signed by the doctor should then be attached to the claim form and submitted to the National Insurance Institute.

The accident allowance is paid for a maximum of 90 consecutive days, commencing on the day after the accident. No accident allowance will be paid for more than 90 days in one calendar year (from January through December)

A salaried employee or a self-employed person is not paid the accident allowance for the first two days after the day of the accident. The accident allowance for those two days is only paid to a person who looses his capacity to function for at least 12 days, aside from the date of the accident.

A person who is not a salaried employee or a self-employed person, including a housewife, is not paid an accident allowance for the first 14 days after the day of the accident.

1.   A resident of Israel who has an accident, either in Israel or abroad, is entitled to an accident allowance for the time that he is in Israel and is unable to function:

-    A salaried employee or a self-employed person, if he is unable to work at his job or at other suitable work.

-    A person who is not a salaried employee of self-employed, if he is hospitalized or confined to his home.

-    A housewife, if she is unable to perform household tasks.

2.   A person injured in an accident must undergo a medical examination within 72 hours of the time of the accident. A person who is not examined within that timeframe is liable to lose his entitlement to the accident allowance. If the National Insurance Institute confirms that the results of the accident can manifest after the said 72 hours, the injured person will be entitled to the accident allowance if he is examined within two weeks from the date of the accident.

Any sudden occurrence in which an outside factor causes physical injury, and loss of ability to function as a result of the injury.

The daily rates of the accident allowance are the same as the rates of the injury allowance that would have been paid to the injured person if he had been hurt at work.

An entitled person will not receive an accident allowance for the following:

1.   When he is entitled - for the same event - to payment for loss of working or functioning capacity for health reasons, according to the regulations of a provident fund, an insurance fund or a pension fund, or according to an employment contract (such as sick pay), or under any law or collective agreement.

2.   If the accident occurred during and as a result of work - see Injury allowance.

3.   While he is in the following places: in a medical or long-term care institution which provides food and lodging, if the entitled person is living there for purposes other than receiving medical or long-term care due to the accident; during IDF service; while in prison.

An Israeli resident who is injured abroad is entitled to an injury allowance from the date he returns to Israel, subject to the provisions of the law.