Personal and Student Accident Insurance – Everything You Need to Know About Your Rights and Compensation
Accidents don’t only happen on the road or at work. A slip on the stairs, a fall at the playground, or a broken bone during a weekend trip can all result in serious injury and financial strain. That’s exactly where personal accident insurance and student accident insurance come in—offering compensation for physical injuries sustained in daily life, 24/7.
In Israel, every student is automatically covered by law under a national student insurance policy, and many adults are covered through personal or employer-provided accident insurance plans. But exercising these rights isn’t always simple. In this guide, we explain what these insurance policies are, who is eligible, what compensation can be claimed, and why legal support can make all the difference.
What Is Personal and Student Accident Insurance?
Personal accident insurance is a private or group policy that provides financial compensation when someone is injured due to a sudden, unexpected accident—such as a fall, burn, or blunt-force trauma. It often includes coverage for:
- Temporary or permanent disability
- Hospitalization and rehabilitation
- Accidental death
- Medical expenses
Policies may be purchased directly or through workplaces, unions, or healthcare providers.
Student accident insurance, on the other hand, is mandatory and automatic in Israel for all students in recognized educational institutions. This policy applies:
- 24 hours a day
- On school days, weekends, and vacations
- Inside and outside school grounds
It covers a wide range of injuries—from broken bones to dental trauma—regardless of who was at fault.
Who Is Entitled to Compensation?
Personal accident insurance applies to any insured individual who was physically injured due to an accident, whether at home, outside, or during a leisure activity.
Student accident insurance applies to every student from kindergarten through 12th grade enrolled in a public or private school recognized by the Ministry of Education. The coverage is valid even if the injury occurred outside school hours, and even if the student was not engaged in a school activity.
In both types of policies, compensation is based on the injury, not on who caused it. That means even if no one is at fault, you may still be entitled to compensation—simply because the accident occurred.
What Compensation Can the Injured Party Receive?
Compensation under these policies varies by the type and severity of the injury, and may include:
- Reimbursement for medical expenses not covered by public health insurance
- Compensation for temporary or permanent disability, based on a disability table
- Payment for rehabilitation or nursing care
- In cases of fatal accidents, compensation to the family
Each policy includes a chart of injuries and disability percentages that determines the amount of payment. Legal guidance can help maximize what is claimed under these complex formulas.
What Is Involved in the Process?
To file a personal or student accident insurance claim, the following steps are usually required:
- Collect medical documentation – including emergency room summaries, X-rays, and specialist reports
- Submit the official claim form – including accident details and injury diagnosis
- Provide supporting documents – such as proof of school enrollment for student claims, or employer verification for group policies
- Follow up – insurance companies often request additional forms or clarifications before making a decision
In cases of permanent disability, a medical review may be required to assess the long-term impact of the injury and assign a compensation value.
Why Should You Contact a Lawyer?
Although these policies are standard and well-defined, insurance companies often delay, minimize, or reject valid claims. Some deny responsibility outright. Others offer low payments that don’t reflect the true impact of the injury.
A lawyer experienced in accident insurance claims can:
- Interpret the policy details and uncover hidden rights
- Connect the injury to the accident clearly and convincingly
- Submit the claim professionally, without procedural mistakes
- Negotiate firmly or litigate if needed, to achieve full compensation
Without legal guidance, many families accept less than they deserve—or give up entirely.
We Are Here to Help
At Shimoff Azoulay Law Offices, we represent children, parents, and individuals in personal and student accident claims with skill, strategy, and care. We know what insurers look for—and where they try to cut corners. Whether it’s a minor fracture or a life-altering injury, we’re committed to fighting for every shekel you deserve.
From documentation to negotiation to final payment—we’re by your side the entire way. If you or your child was hurt in an accident, don’t leave your rights to chance. Let us help you receive the full compensation your policy guarantees.