Comprehensive Auto Insurance 
Comprehensive Auto Insurance 
Complementary Health Insurance is an insurance that covers the additional fees incurred at private healthcare institutions with agreements with the Social Security Institution (SGK). This insurance, of complementary nature, covers the additional fees that individuals covered by the general health insurance within the scope of SGK and those they are responsible for may encounter after receiving services from healthcare institutions. If you have active SGK coverage and are under 69 years old, you can benefit from Complementary Health Insurance.
We offer unlimited coverage for "inpatient treatment and 12 outpatient treatments" or coverage for "inpatient treatment" at the affiliated institutions, as well as emergency land ambulance services.
To benefit from our insurance, you can review the details and apply by reaching out to our nearest agency from here.
What is the coverage of the insurance?
- The insurance coverage is valid for a period of 1 year.
- Citizens of the Republic of Turkey who are over 15 days old and under 69 years old and foreign nationals within the scope of the Social Security Institution (SGK) can benefit from this insurance.
- Contribution premiums vary according to age and residence province.
- The coverage is applicable at private hospitals with affiliated institutions, branches, and physicians.
- Inpatient treatment expenses are covered in accordance with the policy terms at affiliated hospitals.
What does Complementary Health Insurance cover?
Inpatient Treatment
Outpatient Treatment
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- Surgery or Hospital Treatment
- Intensive Care
- Minor Interventions
- Operator Doctor Expenses
- Room or Board
- Attendant
- Emergency Inpatient Treatment Expenses
- Surgical Materials
- Chemotherapy, Radiotherapy, and Dialysis
- Coronary Angiography
- Home Care
- Prosthetics
Ambulance Service
In case of sudden illness, accidents, injuries, or similar emergencies, you can benefit from our Land Ambulance service by calling 0212 331 20 00 for free.
Assistance Services
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- Doctor Examination
- Laboratory Services
- Imaging and Modern Diagnosis
- Emergency Outpatient Treatment Expenses
- Physiotherapy and Rehabilitation
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- Dental Health Package: You can benefit once a year from oral and dental health services such as dental examination, dental cleaning, dental X-ray, dental diagnosis and treatment planning, oral hygiene education.
- Online Health Services: You can benefit throughout the year without any restrictions from online doctor, dietitian, and psychologist services.
- Mammography or PSA Package: With doctor evaluation, women over the age of 40 can benefit from mammography, and men can benefit from PSA service once a year.
- Check-up Service: You can benefit once a year. It includes Doctor Evaluation, Chest X-ray Unilateral, ECG, Complete Blood Count (18 Parameters), Complete Urinalysis, Sedimentation, Fasting Blood Sugar, Total Cholesterol.
Can all family members who are responsible to care under the insurance coverage benefit from the insurance?
To benefit from Complementary Health Insurance, all family members who are responsible to care need to be individually insured or covered under a family policy. The premium for each individual is calculated and paid separately within the scope of Complementary Health Insurance.
Are pre-existing or ongoing health conditions covered by the insurance?
Treatment expenses related to illnesses that predate the policy start date are not covered within the policy.
Is there a lifetime renewal guarantee?
If you renew your policy continuously for 3 years, you may qualify for a lifetime renewal guarantee based on the result of the risk assessment.
Can I renew the insurance when the policy period expires? Will I receive a no-claims discount when renewing?.
You can renew your policy annually, but no claims discount is applied.
Is there a discount for family members?
If you and your family members are policyholders together, you can benefit from a 5% discount for two people and a 10% family discount for three people and more.
Is there coverage for medication and eyeglasses under the insurance?
No, this policy does not provide coverage for medication and eyeglasses, and therefore, no payment is made in this regard.
Do you provide receipts for the insurance premiums I pay, and can I benefit from a tax deduction with this policy?
Yes, you can receive a receipt for your premium payments and use this receipt to benefit from income tax deductions.
Do you cover cosmetic surgery, cosmetic, or dietitian expenses?
All kinds of aesthetic and plastic surgery operations (such as nose reduction, rhinoplasty, liposuction, breast reduction, etc.), any intervention for aesthetic purposes, aesthetic injections, and treatments; sweating treatment, gynecomastia; aesthetic and plastic surgeries that may be required due to falls, trauma, impact, burns, or diseases that occurred before the policy are not covered. You can review the exclusions in the policy special conditions.
Is there a waiting period in the policy?
Interventions and inpatient treatment expenses related to some diseases and complications, regardless of whether the discomfort occurs suddenly or as a result of an accident, are subject to a waiting period of 3 months from the insurance start date and in some conditions, a waiting period of 3 years. You can follow these conditions in the policy special conditions.
Can the policy be used abroad?
There is no coverage for foreign treatment under the insurance.
Is there a time limit for pre-authorizations on Saturdays? How can I receive services under my policy on official holidays and Sundays?
In Complementary Health Insurance, pre-authorization service is provided 24/7, including Saturdays, Sundays, and official holidays. Official holidays are also within the scope of the service.
For the general terms of Complementary Health Insurance, click here.
Hak Sahiplerince Aranmayan Paralar
