Private Health Insurance

Health insurance policy quote for foreigners 2017

Age Price Age Price
0-18 200 TL  36-40  235 TL
19-25 145 TL  41-50  310 TL
 26-30 195 TL  51-55 410 TL
 31-35 209 TL  56-60  470 TL

Health Insurance in Turkey for foreigners

GENERAL INFORMATİON ABOUT PRİVATE HEALTH INSURANCE

Health insurance for residence permit

Unless otherwise is provided in the bilateral or multilateral social security agreements in which Turkey is a party, in the residence permit applications for one year or longer period, foreigners who are not insured by the General Health Insurance system under the Law no. 5510 on the Social Insurance and Universal Health Insurance, should have private health insurance covering inpatient/outpatient treatment and medical expenses.

It should be noted that, with the condition that all other requirements are satisfied in their residence permit applications, for foreigners who are below 18 years old (who are not within the scope of family insurance) and over 65 years old private health insurance is not required.

Foreign students who wish to register in GHI may fill out an application within three months after their enrollments in the Education Institutions. Those foreign students, who are not enrolled in the GHI, should take out an annual private insurance covering inpatient /outpatient treatment.

MINIMUM STANDARDS

In compliance with the Circular Notice no.9 dated 06.06.2014, Minimum standards for the required private health insurance for the residence Permit applications are determined as below;

Minimum Insurance Policy Plan should meet the following criteria

Moreover the following statement should be clearly noted in the Insurance Policies:

“This policy covers the minimum indemnification that is required by the 6/6/2014 dated and 9 numbered Circular Notice for those applying for residency permit that need to be covered by a private health insurance”

CANCELLATION OF THE HEALTH INSURANCE POLICY

The following conditions should be met for the cancellation of the health Insurance Policy by the insurance holder.

  • In case of presenting a new insurance policy that covers Residence Permit period.
  • In case of cancellation of Residence Permit
  • In case of presenting documents indicating enrollment in General Health Insurance system as described in Law no. 5510 on the Social Insurance and Universal Health Insurance.

As indicated in the article 15 of the Law no 6458 (the Insurance law), a natural person or legal entity located in Turkey must insure its local risks in Turkey by a Turkish insurance company/cooperative or a Turkish branch of a foreign insurance company.

DOCUMENTS NEEDED FOR PRIVATE HEALTH INSURANCE

  • Copy of Passport of the Insurance Holder
  • Father name
  • Address in Turkey

Principles on Insurance and private pension are taken seriously in Turkey and are strictly controlled and monitored by the General Directorate of Insurance. Thus if you experience any fraudulent misrepresentation, please contact the General Directorate of Insurance directly and report your problem.

Ata İnstitutonal Consultancy provides the service throughout whole Turkey including İstanbul, Ankara, Antalya, İzmir, Mugla, Bursa and Gaziantep. İf you have any questions, please feel free to contact us.

What is private health insurance?

Private health insurance is the type of insurance that all foreigners who have residence permit in Turkey can have. As well as having is individually, it can be done any time as covering all family members.

 

The advantages of private health insurance in Turkey:

  1. If you need treatment as a result of any disease or accident, you can benefit from all kinds of healthcare services during the policy period of 1 year for a price which is much lower than the costs to be paid to private medical institutions.
  2. If you are sick, you can cover the high prices in relation to the treatments you would receive in private medical institutions that you cannot afford.
  3. You can choose any doctor or medical institution you like.
  4. You can benefit from private medical institutions in the comfort of a hotel, you can receive the best quality service and you feel yourself privileged.
  5. In case of an accident or disease, you can cover the expenses of inpatient or outpatient diagnosis and treatments both within the country or anywhere in the world depending on the product you purchased.
  6. You can pay all expenses in case of an accident or disease abroad according to your policy coverage depending on the product you purchased.

There is no time limitation for having private health insurance. You can have your insurance whenever you think you need it without delay. Health insurance that you have before having any disease will both place less burden on your budget and cover you all needs in case of any disease.

In case of any change in your health or family status, you can change the scope of your insurance and add additional coverages anytime. For example, you can add related coverages to the content of your insurance for pregnancy, birth and postnatal period.

Having private health insurance especially by women before deciding to have a baby will enable them to benefit from private health insurance for examination and birth related expenses.

Health insurance is an insurance type which requires in-depth expertise. Your medical examinations should be done, the diseases or risks that you may be exposed to should be addressed by expert insurance agents and the most appropriate coverages and policy amount should be determined for you and your family.

To have a health insurance and benefit from healthcare services in a quality manner in Turkey, you can have your private health insurance from an insurance company that you trust without hesitation. You should not forget that your health may deteriorate as a result of an accident or disease in the future and you should have your private health insurance as soon as possible.

 

To obtain information about health insurance, you can get support from the Expert Insurance Consultants of Ata Institutional Consultancy.

Your loved ones and your future is safe with annual life insurance

What is Annual Life Insurance?

As in the whole world, annual life insurance is a type of insurance issued for protecting the family and loved ones of an individual financially against the death risk. With life insurance, it is aimed that the life standards of the remaining spouse, children and other family members are maintained when one of the risks covered in the policy has occurred. It is issued for one year and can be renewed for subsequent years optionally.

Annual life insurance can be done for everyone in 18-65 age range. The person or persons to whom the payment will be made in case of the specified risk are written in the policy as beneficiary. If the insurant dies, the policy amount is paid to the beneficiaries.

In addition to death, the life insurance collaterals include additional collaterals that can be added to the policy such as death as a result of accident, complete and partial disability as a result of accident, complete disability as a result of disease, treatment as a result of accident and daily collateral as a result of accident.

Annual life insurance premiums vary according to age and occupation and are calculated by insurance experts. The premium amount may vary according to the additional collaterals in addition to basic death collateral. Premium increase caused by the additional collaterals varies according to the occupation and habits of the individual. For that reason, annual life insurance premium and compensation amount varies from person to person.

Who Can Have Annual Life Insurance?

Annual life insurance applies to people in the 18-65 age range. If additional collaterals are demanded in addition to basic death collateral, premiums vary according to age, occupation and risk status.

Annual life insurance provides financial collateral to his/her relatives in case of the individual’s death.

In addition to death, the life insurance collaterals include additional collaterals that can be added to the policy such as death as a result of accident, complete and partial disability as a result of accident, complete disability as a result of disease, treatment as a result of accident and daily collateral as a result of accident.

Which Risks You Can Cover with Annual Life Insurance?

To benefit from a valuable assurance as annual life insurance in the best manner, it is important to choose the right collaterals according to your needs.

What are the hard collaterals covered in annual life insurance?

The hard collateral for annual life insurance is death. In case of the death of the insured, the compensation in the amount specified in the policy is paid to the beneficiary (the person who will benefit from the insurance compensation).

What are the additional collaterals covered in annual life insurance?

You can cover more risks by extending the coverage of your annual life insurance. You can select such collaterals in annual life policies of many insurance companies.

What are the circumstances not covered in Annual Life Insurance?

Death as a result of accident: Covers the death risk of the insured as a result of accident. If this collateral is purchased, the compensation as a result of death is paid to the beneficiary (the person who will benefit from the insurance compensation).

Permanent disability as a result of accident: Covers the risks of permanent disability of the insured only as a result of an accident.

Permanent disability as a result of disease: Covers the risks of permanent disability of the insured only as a result of a disease.

Hospital daily compensation collateral: Covers the daily financial loss of the insured as a result of inability to work due to an accident for the period specified in the policy within the limit selected.

Death as a result of public transportation accident: Covers the death risk of the insured as a result of public transportation accident. If this collateral is purchased, the death collateral, collateral for death as a result of accident and collateral for death as a result of public transportation are paid to the beneficiary (the person who will benefit from the insurance compensation). This collateral can be purchased only with the collateral for death as a result of accident.

Dangerous diseases collateral: Covers the risk that the insured has any one of the high-risk diseases specified in the special provisions of the policy.

You must have the annual life insurance which is a valuable assurance to secure your future and keep your loved ones happy.

As in all other insurances, the circumstances which are covered and not covered are specified in special and general provisions in the annual life insurances. General provisions of the annual life insurance are the same for all insurance companies.

Special provisions may vary among companies. The circumstances which are not covered in the annual life insurance according to general provisions are given below.

  • In case of a death as a result of travels in the air except for passengers, death compensation is not paid.
  • Death compensation is not paid in case of death as a result of suicide and attempted suicide.
  • If the beneficiary of the insurance murders the insured or acts as an accomplice in the murder of the insured, the beneficiary is deprived of the insurance amount and this amount is paid to the inheritors of the insured.
  • Unless there is a contract in the contrary, if the insured dies as a result of nuclear risks except for treatment purposes or AIDS, the insurer is obliged to pay only the mathematical reserve.
  • Unless it is agreed with a contract in the contrary, the insurance is not valid in case of a war. However, if the insured dies during the war and because of war acts, the mathematical reserves on the date of death are paid to the beneficiaries together with the technical interest to be accrued until the payment date.

Make sure that your loved ones are safe with annual life insurance even when you are not there!

House insurance in Turkey

House insurance is the most important insurance which protects your house and family. House insurance is a type of insurance which aims to protect your house from destruction, robbery, terrorism and accidents. Since is cannot known what the next day brings, house insurance covers you for any risk.

Knowing that your house is covered by an insurance makes you feel safe whenever you are away from house. You can insure your house with monthly instalments. These insurances are issued annually. It can be renewed every year. If you are having your house insurance from the same insurance company for a long time, you may have discounts as well.

If any of the damages mentioned above has occurred in your house, mostly the furniture would be damaged as well. For that reason, it is necessary that the houses are insured together with the furniture in it. You can get your furniture covered for a little extra cost.

In order to have house insurance, you do not need to be a house owner, you can get your furniture insured by purchasing only furniture collateral if you are a tenant.

Why you should have house insurance?

Your house is the place where you live in peace with your family. For some, house means peace and it means shelter or a stronghold for some others. You should have your house insurance to secure this special and valuable place against any risk.

While purchasing house insurance, you should pay attention to choosing the right collaterals for full insurance against changing climate conditions, storms, heavy rains, earthquakes, fires as a result of negligence and robberies that increased recently.

The damages which may be caused in your house by various risks is way more expensive than an average house insurance policy premium. You can insure your entire house and even your furniture with premiums varying according to the features of your house.

Which Risks You Can Cover with House Insurance?

House insurance covers the building and optionally the furniture in the house. In that case, any and all fixed installations inside the building are covered in the insurance with building collateral.

In case of any damage, mostly the furniture is damaged as well. For that reason, it is necessary to insure the houses subject to the insurance together with the furniture in it. Thus, a broader assurance is purchased for a little extra cost.

Tenants can insure their furniture by purchasing only furniture collateral.

House insurance collaterals in Turkey

House insurance is necessary for the house and the furniture in it. To benefit from this insurance in the best manner, the most appropriate collaterals should be chosen.

  • Hard Collaterals in House Insurance

House insurance collaterals vary according to insurance companies, but the hard collateral which is common in all of them is fire collateral.

Fire collateral: Covers the damages caused by fire, lightning and explosion.

  • Additional Collaterals in House Insurance

More risks are covered in house insurance by extending the collaterals with additional collaterals.

Strike, lockout, riot, civil commotion and malicious acts: Covers the damages which may be caused by such acts. For each damage, exemption applies in the rate of 5% (five percent) of the damage cost.

Flood: Covers the damages caused by overflowing of the rivers, streams and channels around the insured house and the floods caused by heavy rains.

Glass Breaking: This collateral covers the damages which may occur as a result of breaking of the class and mirrors which are fixed and mounted vertically.

Personnel Accident: In the event that the insured dies as a result of an accident covered by the policy at the risk address, a compensation is paid to his/her beneficiaries within the limits and general provisions specified in the policy and the compensation is paid to him/her in the event of permanent disability as a result of such accident.

Theft: Covers goods stolen as a result of theft and the damages to be caused in the building and goods by the thief.

Support Services: Provides repair services for water installation, electricity, locksmith, glass, etc. and emergency services and communication services.

Protection from inflation: This collateral ensures that building and furniture maintain their current value in inflation environment. The insurance amount is increased in the rate of protection from inflation to be selected during insurance period. However, if the rate selected on the damage date is over the rate to be announced by the State Statistics Institute, the rate of the State Statistics Institute is taken as basis.

Earthquake and Volcano Eruption: Covers all the damages to be caused by earthquake and volcano eruption directly on the insured assets. It makes payment primarily within the compulsory earthquake insurance (DASK) limits in case of earthquake damages. DASK policy provides coverage up to the top limit determined by DASK. For the part exceeding this amount, the earthquake and volcano eruption collateral within the scope of house insurance should be purchased optionally.

Head of the family liability: Covers the physical and financial damages that the insured and his/her family residing in the same house may cause to the third parties in the insured house as a result of an accident.

Internal water: Covers the damages occurred in the house as a result of burst, overflooding, leaking, jamming, breaking and freezing of the water installation and the damages which may occur as a result of leaving the taps running.

Landslide: Covers the damages which may occur in the insured assets as a result of landslide or land subsidence on or around the land where the insured building is built.

Car crash: Covers damages which may occur as a result of crashing of the land vehicles and aircrafts into the insured house.

Storm: Covers the damages which may occur as a result of storm or the objects dragged or moved by the wind during a storm.

Smoke: Covers the damages which may be caused by the smoke from defective operation of the heating or cooking devices connected to the chimney with a pipe or vent.

Weight of Snow: The snow gathered on the roof after heavy snow may damage the roof and building and the furniture in the building due to its weight. Weight of snow collateral covers the damages which may occur in the building and the insured assets in the building.

Fire financial liability and loss of rent: Covers the damages that the insured, tenant and property owner may cause to each other as a result of damage arising from their liabilities.

Removal of debris: Covers the costs of removing the debris as a result of the damage.

Alternative residence address change costs: In the event that the insured house becomes useless as a result of a damage, the cost of another house during the repair and reconstruction of the damaged house is covered within the collateral and limit specified in the policy.

What are the circumstances not covered by the house insurance?

As in all other insurance type, the circumstances which are covered and not covered are specified with special and general provisions in house insurances. General provisions of house insurance are the same for all insurance companies. Special provisions vary among companies.

The circumstances which are not covered in the house insurance according to general provisions are given below:

All damages caused by war, all kinds of war acts, invasion, foreign military actions, battle (whether war is declared or not), civil war, revolution, riot, uprising and the required disciplinary and military actions,

All damages caused by any nuclear fuel or nuclear waste as a result of burning nuclear fuels or the ionizing radiations and radioactivity contagions due to the reasons attributed that and the required disciplinary and military measures (The expression of burning in this clause will include any self-sustaining nuclear decomposition.),

All damages occurred due to disposals on insured assets by the public authorities,

The damages that the insured assets may suffer due to their own faults and failures in these assets without a fire,

Damages caused by scorching of the insured assets without fire to be processed or for any other reason, dropping or throwing such assets in a similar place with fire, roasting of the clothes and other goods without catching fire and burning of such items or contact with heating, lighting, ironing devices and lamps, candles, cigarettes and similar objects,

The damages that all kinds of engines, electric or electronic devices, instruments, installations and cords may suffer due to short circuit, grounding, voltage drops and rises without fire and causes such as overheating and induction current,

Collapsing, tearing and similar deformation, wearing of containers due to low current, damages occurred in insured devices and engines due to centrifuge forces and mechanical incidents.

Is house insurance compulsory?

House insurance is an optional insurance. However, it is of vital importance. One of the most important properties we have, our houses accommodates us and our families. Certainly, we do not want any damage to our home where we feel safe.

In that respect, it is an insurance that we feel obliged to have even though it is not legally compulsory.

Have your house insurance to protect your house, furniture and family from various risks.

Motor Insurance in Turkey

Motor insurance in Turkey financially guarantees any damages to your vehicle as a result of certain risks.

Motor insurance is one of the automobile insurances and its objective is to compensate the damages to the vehicle which belongs to the insurant. It is issued to ensure that compensation is paid to the insured in the cases where any land vehicle is damaged, burnt, stolen, etc. outside the will of the insured.

The motor insurance covers the damage on the vehicle which belongs to the insured, not the other party’s vehicle. The objective of the motor insurance is to compensate the damages to the motor vehicle that belongs to the insurant.

Why Should We Have Motor Insurance?

Motor insurance is optional. The motor insurance includes a number of coverages which are not included in the scope of traffic insurance. In traffic insurance, the risks of the other party are covered in case of an accident/damage. If the faulty party is the policy owner, the expenses of the other party which is involved in the accident are covered by the traffic insurance. If you are the faulty party and you do not have motor insurance policy, only the expenses of the other party will be compensated and your expenses are not covered in the traffic insurance. By having motor insurance, primarily you secure your own risks in case of an accident.

If you cannot afford a new vehicle when your vehicle is stolen, you should absolutely have motor insurance!

Motor Insurance Coverage

Motor insurance is an optional insurance. In addition to standard coverage such as being burnt or stolen, the insurance coverage can be extended with additional indemnities in accordance with the insured’s demand. Unless otherwise specified in the policy, the motor insurance is only valid within the borders of Turkey.

Beginning and Notice Periods in Motor Insurance

The motor insurance begins on the payment date. If the policy amount is to be paid in instalments, the insurance begins on the down payment date. Unless otherwise agreed between the parties, the motor insurance begins at 12 o’clock local time in Turkey and ends at the same time on the expiry date. In motor insurance, the insurant is obliged to notify the insurer that the risk has occurred within 5 business days following the incident that caused damage to the vehicle.

In the event that the risk has occurred, the insurer is obliged to notify the damage and compensation amount to the insured within 15 days at the latest after the documents regarding the damage are delivered to the insurer.

  • Which Risks Does the Motor Insurance Cover?

The most important point to be noted when having a motor insurance is to chose the motor insurance coverage according to your needs. Motor insurance covers hard collaterals of crash, burning and stealing.

  • What is Motor Insurance with Exemption?

Motor insurance with exemption usually responds to the needs of consumers who are about to renounce from having motor insurance because it is over their budget.

What Are the Collaterals of Motor Insurance?

Motor insurance, which is a type of property insurance, is an insurance which aims to pay a compensation in cases where a land vehicle is damaged, burnt or stolen while moving or parked and thus compensate the financial damages.

Motor insurance is optional. Due to different coverages, there is different pricing. Motor insurance coverage is the most important aspect of motor insurance.

Crashes, fire, stealing or attempts to steal the vehicle and inflation are included in standard motor insurances. However, when you have a motor insurance with only standard coverage, you would have no compensation when your vehicle is damaged due to flood since it is not covered in the motor insurance. This is the one of most frequent problems in motor insurance claims in our country.

Which Collaterals Does a Standard Motor Insurance Cover?

Motor insurance policy covers the following collaterals basically:

Crash

Both while moving and being parked, damages occurred when a fixed or moving object crashed into the vehicle as a result of sudden and external impacts, when the vehicle crashes into such object, when the vehicle crashes, rolls over, falls or turns over and the financial damages occurred as a result of third parties’ actions with bad intentions or malice.

Burning of the Vehicle

A fire and explosion as a result of an accident,

Stealing or attempted stealing of the vehicle,

Damages occurred when your vehicle is stolen, attempted to be stolen or the radio, phone and similar accessories in the vehicle are stolen.

Which Collaterals Can Be Added to the Motor Insurance Policy?

When buying the policy covering standard collaterals, you can include any additional collaterals as you like. Additional collaterals offer financial guarantee against damages which may occur in various circumstances.

Additional collaterals include compensation for natural disasters, damages occurring as a result of social acts and terrorism and intervention of authorities, inflation collateral, depreciation, not falling collateral, aid collateral and loss of use collaterals.

Since compulsory traffic insurance does not protect you from the risks in traffic and other risks, you should have motor insurance in addition to compulsory traffic insurance.

Make sure that your investments are secure, protect your assets with insurance! Click to have your vehicle insured and receive offers for motor insurance.

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