Insurance Products
What is Complementary Health Insurance?
With Complementary Health Insurance, you don't need to worry about your and your family's health expenses! Complementary Health Insurance is an insurance that commits to pay, on behalf of the insured, the difference fees (excluding the mandatory SGK examination co-payment) that a person who benefits from active SGK services affiliated with the Social Security Institution would pay when they want to benefit from any of the services covered by general health insurance at SGK-contracted doctors and private health institutions.
Who Can Benefit from Complementary Health Insurance?
All individuals residing in Turkey with active social security, from 15-day-old babies to age 65, can benefit from this insurance.
What Are the Coverages and Scope of Complementary Health Insurance?
For institutions with special agreements for Complementary Health Insurance, the difference fee requested from the insured for SGK-approved procedures within policy terms is covered.
Complementary Health Insurance Coverages:
- Outpatient Treatment: Covers doctor examinations, physical therapy, laboratory services, imaging and diagnostic methods, advanced diagnostics, prosthetics and ambulance services.
- Inpatient Treatment: Covers all medical and surgical admissions, bed and room fees, surgeries, chemotherapy and radiotherapy, intensive care, home care, medical supplies, dialysis, coronary angiography, minor surgical observation services.
- Maternity: After the waiting period specified in the policy's special terms, the insured's routine pregnancy check-ups and delivery are covered.
What is Private Health Insurance?
Private Health Insurance covers health expenses resulting from unexpected accidents or illness, as well as all diagnosis, treatment and medication expenses at the best institutions with modern methods, within the limits of general and special policy terms.
Insured persons with private health insurance can have their emergency, doctor, medication, examination, hospital, treatment and surgical expenses covered without financial concern, with the freedom to choose their preferred doctor or health institution.
What Are the Advantages of Private Health Insurance?
Private health insurance gives insured persons the freedom to receive treatment at the doctor or health institution of their choice.
People with private health insurance can benefit from healthcare services without being dependent on their social security.
Depending on the policy scope, it becomes the greatest help in the most difficult times by covering high outpatient or inpatient treatment costs.
With tax advantage options you can get back a portion of the premiums you invested in your private health insurance.
Who Can Benefit from Private Health Insurance?
Anyone who applies to private health insurance companies, from 14-day-old newborns to age 64, can get private health insurance.
Age ranges may vary depending on insurance companies.
What is the SGK Mandatory Examination Co-Payment?
It refers to the amount to be paid by the general health insured or the persons they care for in order to benefit from health services.
This amount is standardly set at 15 TL for everyone.
What Does Private Health Insurance Cover?
Health insurance covers the necessary treatment expenses and daily indemnities for the insured in case of illness or injury during the insurance period, within general and special terms up to the policy amounts. Terms may vary by insurance type and company.
Private health insurance has 3 coverages. These are:
- Inpatient Treatment Coverage: Covers expenses during hospital treatment for surgical or non-surgical inpatient care, including doctor, operating room, assistant, anesthesia, other mandatory medical services, intensive care and ambulance expenses.
- Outpatient Treatment Coverage: Outpatient treatment coverage covers doctor, examination, diagnostic methods (MRI, tomography, laboratory tests), minor procedures and medication expenses.
In addition to these two main coverage categories, there is also a third coverage group covering eyeglasses (lenses, frames, contacts) and dental care, subject to additional premium payment.
Maternity Coverage: Benefiting from Normal Delivery, Cesarean Section, Birth and Pregnancy Complications; you can also have Routine Pregnancy Check-ups covered under these insurances.
In addition to these coverages; for your newborn baby "Newborn Coverage" is available. You can cover Examination and Routine Test Expenses for checking your baby's post-birth health with Newborn Packages.