Yabancı Uyruklular İçin Sağlık Sigortası
İkamet izni için gerekli özel sağlık sigortanızı hemen yaptırın Türkiye’de yaşamaya bir adım daha yaklaşın!
Yabancı Uyruklular İçin Sağlık Sigortası’ nda kapsamlı teminatlar ve ayrıcalıklı hizmetler sizi bekliyor.
Detaylı bilgi Güneş Sigorta acentelerinde.
Yatarak Tedavi Teminatları
- Hastane hizmetleri (ameliyat, ameliyathane, anestezi, ilaç, laboratuvar, radyoloji vb.)
- Hastanede kalınan süre içerisinde oda, yatak, yemek ve refakatçi masrafları
- Kornea, böbrek, pankreas, karaciğer, kalp, akciğer nakli
- ESWL, Gama Knife giderleri
- Koroner anjiyografi
- Yatarak tedavi esnasında yapılan tüm tanı amaçlı biyokimya, mikrobiyoloji, patoloji tetkikleri, radyolojik inceleme ve görüntüleme
- Ameliyat sonrası fizik tedavi
- Sigortalının günlük yaşam faaliyetlerine yardımcı olan ve sosyal bakımdan destek olunması amacıyla evde yapılan tıbbi bakım hizmetleri
- Kemoterapi, radyoterapi, diyaliz
- Besin zehirlenmesi, alçı uygulaması, basit yanık tedavileri gibi 24 saatten kısa sureli tıbbi tedaviler (gözlem, müşahede)
- Bir kaza veya hastalık sonucunda uzuv kaybı olması halinde suni uzuv giderleri
- Yoğun bakım ünitelerindeki tedaviler
- Trafik kazası sonucu meydana gelen diş ve burun ile ilgili tedaviler
Ayakta Tedavi Teminatları
- Doktor muayene
- Tanı amaçlı incelemeler
- Fizik tedavi
Tüm anlaşmalı sağlık kurumlarında yatarak tedavi giderleri limitsiz, anlaşmalı olmayan sağlık kurumlarında ise yıllık 20.000 TL limit ve %20 sigortalı katılım payı ile karşılanmaktadır. Ayakta tedavi giderleri ise yıllık 2.000 TL limit ve %40 sigortalı katılım payı ile karşılanır.
Is Health insurance compulsory for Foreign residents in Turkey?
With the new law that went into force in April 2014 obtaining a Turkish residence permit requires a proof of health insurance covering inpatient and outpatient treatments. Emergency care insurance is not accepted. If you do have a foreign health insurance policy for health cares in Turkey that extends beyond emergency care, you must get the documentation of your plan translated into Turkish and notarized. If you do not have any insurance, you must buy a policy in Turkey.
To obtain an instant online quotation for private health insurance please see;
What are the coverages covered by FIT Insurance ?
In the table below, you may find the coverages :
contracted healthcare institutions. For more details :
What is the age limit of FIT Insurance ?
The Groupama Sigorta FIT product is available to customers up to age of 65. New customers who join at 65 years old can remain with Groupama Sigorta as a permanent renewal.
Does this FIT insurance meet the minimum requirements for residency permits?
FIT insurance is totally compliant for Residence Permit requirements for you and your family. Besides, covering the minimum requirements, it offers several advantages :
§ In case of an illness or an accident , expenses for inpatient and outpatient cares are covered
§ Valid in all private health institutions
§ No insured’s contribution in contracted institutions for inpatient cares .
§ 24/7 Health Assistance
§ Affordable premium, payment with Turkish or Foreign Credit card.
What does the Domestic Emergency Assistance Service cover?
Domestic emergency assistance includes transportation to the nearest hospital or health institution by land ambulance (or scheduled flight). The assistance company arranges organization and pay for the fees of land ambulance and for air ambulance in the limit of medical treatment.
How is the premium determinated ?
The insurance premium is calculated based on the standard tariff premiums as established for the age, the gender and the chosen plan by taking into account the criteria of loss/premium ratio of the insured, current disease risks of the insured and list of contracted institutions for health insurance for foreigners being in effect for the policy.
For any disease/disorder of the insured, additional premium for disease within the range of 5 to 50% per disease can be applied.
What are the payment facilities ?
You can spread the cost of your annual private health insurance policy when you purchase Groupama Sigorta’s FIT health Insurance online.
When you purchase online , your premium can b e paid over a period of 9 months. 9 months annuity *
YKB -‐ World
* Garanti Bank. -‐ Bonus
* İş Bank. -‐ Maximum
* Akbank -‐ Axess
* Bank Asya – Asya Kart
* Halkbank -‐ Paraf Kart
* HSBC – Advantage
When Can I benefit from the coverages?
Expenses incurred for outpatient diagnosis, outpatient treatment, minor procedure, surgical and inpatient diagnosis and treatment of the following diseases and complications are excluded from the coverage for 12 months following the date of being insured b y Groupama Sigorta first time ever, except for the cost of the physician’s initial examination:
Cardiac, Cancer, Organ Transplantation and Organ Failure, Adhesiolysis, Chronic Diseases (Diabetes, Hypertension, COPD, MS, etc.), Hernias, Hemorrhoid / Anal Fistula, Anal Fissure / Anal Abscess, Perianal Abscess, Bartholin’s Abscess/Cyst, Breast Diseases, Tonsillitis, Adenoid, Thyroid Gland Diseases/Goiter, Otitis Media, Cataract, Glaucoma and Retinal Diseases, Disc Diseases (Discopathy), Gall Bladder and Bili ary Track Diseases, Urinary System Stone, Ovary Cyst, Myoma and Prostate Diseases, Sinus Pilonidalisis, any benign tumor -‐ Mass -‐ Polyp -‐ Lipoma -‐ Nevus Wart (Verruca), Cyst, Carpal Tunnel Syndrome, Ulnar Tunnel Syndrome, Varicose, Coxarthrosis, gastroesop hagial reflux, peptic ulcer, auto -‐ sclerosis, endometriosis, endometrioma, sinusitis, hygroma, stress incontinence, cystorectocele, shoulder and knee surgery (meniscus, cartilage, synovia and ligament lesions, etc.).
Which hospitals are contracted ones?
The list of healthcare institutions contracted for health ınsurance provided to foreigners can be find by following the link :
by choosing “ Health Insurance for Foreign Nationals ” as type of network. What if I go to a non -‐ contracted hospital or health institution..?
If you choose to go to a non -‐ contracted hospital or health institution, the limit of the coverage regarding your treatment is not the same as in the contracted hospitals. As for example, in a contracted hospital, the insured will pay no contribution for inpatient treatment. But if he chooses a non-‐contracted hospital, he must pay %20 of the total treatment amount.
What should I do to get FIT insurance?