Insurance Products

The main coverage of our life insurance is death, with additional coverages that vary by product as follows:

• Death Coverage (Main Coverage): In the event of death for any reason, compensation is paid to loved ones up to the coverage amount specified in the policy.
• Accidental Death Coverage: In case of death immediately or within one year from the date of the accident due to accident or accident-related causes, the death compensation to be paid to the beneficiaries shown in the policy, or to the legal heirs, allows their loved ones to continue their lives without being dependent on anyone, maintaining their standards.
• Accidental Disability Coverage: If the insured becomes permanently disabled immediately or within two years due to accident or accident-related causes, permanent disability compensation is paid following the end of medical treatment and the definitive determination of permanent disability.
• Disability Due to Illness Coverage: Compensation is paid if permanent disability occurs within one year from the date of diagnosis as a result of an illness diagnosed during the insurance period.
• Cancer Protection Coverage*: In case of cancer risk occurring during the insurance period, a payment up to the coverage amount is made to you.
• Critical Illness Coverage: Within the scope of critical illness coverage, we offer coverage for 17 critical illnesses** including cancer. In case the risk within the scope of coverage occurs, the coverage amount is paid to you.
• Involuntary Unemployment Additional Coverage (For Salaried Employees): Within the scope of our Kredim Güvende product, in case of termination by the employer without any intent or fault (except for justified reasons), loan installments are paid within coverage limits and special conditions for a maximum of 6 consecutive months.

* There is a 90-day waiting period from the policy start date. Coverage is valid if the insured survives within 30 days following the diagnosis of the disease.

** Coverage of 17 Critical Illness Including Cancer: 1. Cancer 2. Heart attack 3. Stroke 4. Chronic kidney failure 5. Coronary artery bypass surgery 6. Major organ transplant 7. Blindness 8. Benign brain tumor 9. Heart valve surgery 10. Terminal liver failure 11. MS (Multiple Sclerosis) 12. Deafness 13. Severe head trauma 14. Loss of speech 15. Severe burns 16. Coma 17. Paralysis

The insured age may vary according to the coverage content. Generally, anyone between the ages of 18-60 can benefit from our life insurance. Anyone between 18-60 years of age who does not have any illness at the stage of diagnosis, detection or treatment can benefit from our critical illness coverage products; and anyone between 18-55 years of age who does not have any illness at the stage of diagnosis, detection or treatment, has not been previously diagnosed with cancer and/or has not received cancer treatment can benefit from our cancer coverage products.

The insurance period is generally 1 year, but may vary by product.

The premium amount varies depending on your age, gender and the coverage amounts you determine.

Payment options vary depending on the product you have, but you can pay your premiums by credit card with annual upfront or installment options.

For life insurance general terms, please click here.

Premiums paid for life insurance in accordance with the relevant law can be deducted from the income tax base at certain rates.

With Group Life Insurance, we provide financial security for your employees and their families against risks that may occur during their employment period.

Main Coverage

Death Coverage

In the event of the insured's death for any reason, it provides financial security to their relatives or, if predetermined, their beneficiaries.

Additional Coverages

Accidental Death, Disability, Treatment Expenses and Critical Illness Coverage

Provided in the same scope as the coverages in individual life insurance.

To access the List of Partner Institutions, please click here.