Health Insurance

Useful Information

Waiting Period and Policy Progress Payment: Insurance companies may exclude certain diseases in the policy related to diseases that exist before the policy start date and may exclude such diseases from the insurance coverage.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 private 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.

Maternity Waiting Period: It is the provision stating that the insured or his wife should not become pregnant during the period of purchase of the policy and that the person should not become pregnant for varying periods of time in different companies, usually for one year.In the plans with a pregnancy and maternity guarantee, in order to cover the expenses covered by the insurance coverage, the pregnancy must begin within the period determined by the insurance company from the first date of receipt of the policy.In the calculation of pregnancy entitlement, the last menstrual date (LMD) of the insured is taken into account.All expenses related to pregnancies that are available when the guarantee is received for the first time or that start within the specified waiting period are not covered by the policy.

Lifetime Renewal Guarantee: If the person has a insurance policy for the first time, it is the right that insurance companies give to their insureds provided that they do not exceed the after 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 private health insurance during the healthy period in terms of potential risks.

Contracted/Non-Contracted Institution: If the insured chooses one of the contracted institutions of the insurance company to which the policy has been issued, the insured may receive direct provision (approval) at the rate of payment determined.In case of preference of non-contracted institutions, if the invoices are paid by the insured, it is a system in which the invoices are submitted to the insurance company and the payment can be received again from the insurance company.For this reason, it is useful to investigate the health institutions of the company and the preferred product before obtaining private health insurance.

Provision activation of the policy and payments: Private 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.