Complementary Health Insurance

Useful Information

Waiting Period and Policy Progress Payment: In complementary health insurance, as in private health insurance, insurance companies exclude diseases that exist before the policy start date and diseases related to the notes of exception mentioned in the policy. This means that insurance companies exclude diseases before the policy start date. Diseases mentioned in the exception notes, which have the incubation stage, and that the person herself/himself did not know of the presence of the disease beforehand such as hernia, spinal diseases, cysts, anorectal diseases, uterine and ovarian diseases, tonsil and adenoid disease, nasal polyps, joint diseases, prostate, varicose veins, kidney and urinary system disorders, and thyroid are excluded from the policy if it occurs within the first year. For this reason, the coverage area of complementary health insurance policies is issued based on the declaration to be given by the insured. In this respect, it is in the best interest of the person to provide accurate and reliable information. The insurance company has the right to cancel the policy or to receive additional premiums if the correct information is not provided.In addition, some companies may remove waiting times under complementary insurance.

Lifetime Renewal Guarantee: It is the right that insurance companies give to their insureds provided that they do not exceed the determined damage/premium rate for three or four years (which may vary depending on the situation). An insured who receives a lifetime renewal guarantee will not be able to meet any applications such as exemption, additional premium, limit in case of any illness as of the date of receipt of this right. The insured also has the right to renew the policy as long as s/he wishes. In this respect, it would be more beneficial for people to have complementary health insurance during the healthy period in terms of potential risks.

Contracted/Non-Contracted Institution: If the insured chooses one of the contracted institutions where the SSI is valid and the insurance company has a complementary insurance agreement, the insured can obtain a direct provision (approval). After this approval, only SSI participation fee (currently TL 15) is paid for each file. Except for exceptions, in case of preference of non-contracted institutions, payment is not made in return for invoices.

Provision activation of the policy and payments: Complementary health insurance policy will be activated after the down payment is collected. Without the first premium payment, the insurance will not start and in case of premium debt in the policy, it will be closed to provision. In addition, the amount of the annual tax base for the policies is shown as expense and a certain rate of tax refund can be obtained.

Termination Of The Insured’s SSI coverage: Complementary health insurance is a SSI-based insurance. The insured may use the policy during the period during which the insurance is active. In the absence of SSI, the policy will not be canceled, it will only be suspended for a certain period of time. It reactivates, when SSI starts.

Transfer Of Rights From Private Health Insurance To Complementary Insurance: Although there are exceptions, transfer of rights can be made in case of transition from private health insurance to complementary insurance.