SPECIAL CONDITIONS OF TOURIST PROTECTION AND SUPPORT INSURANCE AGAINST COVID-19
This insurance contract undertakes to cover the costs included in the scope of COVID-19 Tourist Protection and Support Insurance within the framework of this “Special Conditions” and Health Insurance General Terms if individuals who travel to Turkish Republic for travel purposes but hospitalized because of accurate diagnosis of Covid-19, within the payment limit and rates and the scope specified in the applications stipulated in the policy and the attachments.
COVID-19 Tourist Protection and Support Insurance Health policies are only valid for individuals between 0-65 ages.
Information specified on the policy are essential. Insurance coverage is only valid for individuals specified in the policy and those who are not included shall not benefit from the insurance.
Words, definitions, expressions and abbreviations used in this Insurance Contract have the meanings written for them. (Following definitions are the general definitions; and the policy scope is limited to the coverage specified in the policy.)
Policy:
The documentations signed by the insurer and delivered to the insuree/insurant and showing the rights and debts incurred by the insurance contract between the insuree and insurer.
Pandemic Hospital:
As specified by the T.R Ministry of Health in the letter no. 14500235-403.99, hospitals which have minimum 2 of the infection diseases and clinic microbiology, chest diseases and internal diseases departments and have 3rd level of adult intensive care beds are considered as Pandemic Hospital.
Pandemic Hospital: Defined as the hospital where the cases diagnosed with Covid-19 (positive test result) are treated.
Health Institution:
Pandemic organizations located in the Republic of Turkey which have been licensed by the competent authorities of the country concerned and regularly controlled by the private sector or provide outpatient/inpatient services.
General Terms of Insurance Contract:
The general terms of Health Insurance specified by the T.R Prime Ministry Undersecretariat for Treasury.
Company:
Güneş Sigorta A.Ş.
Disease:
Deterioration in physical or mental functions of the insuree which requires an intervention or medical research by the physician.
Doctor/Medical Doctor:
The person granted with medical doctor title/certificate officially within the framework of the applicable laws in the Geographical Region where health services are provided and allowed to perform their profession within the boundaries of T.R by laws. Based on such special terms, the expression of “Medical Doctor” will be hereinafter used as DOCTOR.
Exception:
Cost amount specified in the policy which is not included in the coverage/service provided by the Insurance Company and/or that the Insuree is required attend for each event.
Insuree:
Individual whose name is specified in the insurance policy issued by the insurer and included in the insurance scope.
Insurant:
Real or legal person who is a party to the insurance contract with the insurer and owns the obligations arising from insurance such as payment of insurance premiums.
Family Members:
Spouse and child/ren
This insurance contract is valid within the boundaries of Turkish Republic.
Effectiveness period of the policy between the policy commencement and end dates specified on the policy,
- starts with the moment detected to enter into Turkish Republic with passport and ends with the moment detected to depart Turkish Republic with passport.
The maximum policy period for this product is limited to 30 days.
Treatment Costs of Covid-19:
This policy covers the health expenses to be caused in all pandemic hospitals regardless of private hospital or state hospital if the individuals visiting our country get and accurately diagnosed with Covid-19 and hospitalized.
The coverage is applied to certain diagnosis of Covid-19 within insurance period and in the borders of Turkey
- Company’s liability upon any demand depends on the compliance of the insuree who claim compensation or interest in the terms of this Policy.
- For the claim included in this scope of this policy, the insuree
- shall take all reasonable precautions to minimize the damage.
- Insuree shall provide all documents and information required to provide the service in full and complete (Passport entry-exit photocopies, Passport front-face photocopy, epicrisis, doctor follow-up forms, open invoice and examination results etc.)
- In case of an illness, the Insuree shall exempt the treating physicians from the obligation to keep patient information confidential and empower them to provide all the evidence and information to the Company. If necessary, the insuree shall provide free access to all medical documentation, including health information prior to illness or injury with the doctors.
- Doctors of the company should be able to freely examine the insuree. If rejected by the Insuree, the Company shall not be held responsible for organizing the service and covering the costs.
This policy covers the health expenses to be caused in all pandemic hospitals regardless of private hospital or state hospital if the individuals visiting our country get and accurately diagnosed with Covid-19 and hospitalized. All other health costs which might be experienced within the boundaries of Turkish Republic, excluded from this scope shall be excluded from the scope.
The coverage is applied to certain diagnosis of Covid-19 within insurance period and in the borders of Turkey
Policies which are purchased following the date of entry to the T.R boundaries are invalid.
- WAITING DURATIONS
It is valid if the insuree is diagnosed with Covid-19 after entering into the boundaries of Turkish Republic. There is not any waiting duration.
Invoices related to health costs are calculated in Turkish Lira at the Central Bank's Effective Selling Rate (in the case that the currency of the relevant country does not correspond to the Turkish currency, it is calculated over the cross exchange rate of USD correspondent monetary unit), and covered within the limit and payment percentage specified in the policy.
Insuree is required to deliver the following information and documents to t he insurer with the original copies so that the health costs incurred in the contractual or non-contractual health institutions could be assessed and covered.
Insuree is liable for delivering invoices and related documents to the insurer so that their compensation claim related to the treatments realized in a non-contractual health institution could be covered.
- Passport entry-exit copies
- Passport front-end copy,
- Epicrisis,
- Doctor follow-up form
- Open invoice details,
- Examination results
If the patients stayed in intensive care before the end of the policy deadline, the treatment shall continue for 10 days even if the policy expires.
Policy cannot be canceled if insuree has to stop their travel and go back to their countries because of any reason.
Policy cannot be canceled upon the demand of insuree.
If the insurer makes a payment against the special and general terms of this policy because of misinformation of the insuree or doctor, the amount shall be collected by revoked to the insuree. If the insurer makes a payment not included min the policy coverage because of any reason, this cannot be regarded as a vested interest by the insuree.
Güneş Sigorta A.Ş. Is authorized to supply and share any information and/or documents before T.R Prime Ministry Undersecretariat of Treasury, Health Insurance Information and Observation Center (SBGM), Turkish Insurance Foundation (Turkish Insurance, Reassurance and Retirement Companies Foundation) all health institutions and agencies and other insurance companies and public institutions and establishments within the scope of the legal regulations including insurance regulation, directives related to insurance, and health regulation by making examinations.
In case any change or misinformation on any contact details, insurer shall be accepted to fulfill their notification liability unless any written notification is made to the insurer by the insuree/insurant.
For the notificationn, phone number or electronic mail address of any insured family member in the policy and those of insurant should be delivered to the insurer.
In case of information lack in the contact details of the family members, the person whose details are full and complete in the policy shall be notified and the notification shall be accepted to be made to the other family members in the policy as well.
Güneş Sigorta A.Ş. Is authorized to supply and share any information and/or documents before T.R Prime Ministry Undersecretariat of Treasury, Health Insurance Information and Observation Center (SBGM), Turkish Insurance Foundation (Turkish Insurance, Reassurance and Retirement Companies Foundation) all health institutions and agencies and other insurance companies and public institutions and establishments within the scope of the legal regulations including insurance regulation, directives related to insurance, and health regulation by making examinations.
Within the scope of the health insurance contract to be made with your company, in the capacity of the insuree/insurant, I give my consent for my personal health data, insurance records and my health details and records to be obtained, collected, processed, updated and periodically controlled, stored and processed by Insurance Information and Observation Center (SBGM), Social Security Agency, T.R Ministry of Health, health institutions and establishments, cırrent and/or other health insurance companies, medical doctors and/or all public institutions and private institutions and establishments and third parties specified by the regulation; and shared with the related public institutions and establishments, 3rd persons and organizations, service providers located in Turkey or abroad in order to give health incurance offer, realize health risk assessment and fulfill the contractual obligations specified in the insurance contract and conclude the compansation applications.
Your personal data and private personal data which you share with us for the exeuciton and implementation of this contract are processed under the necessary security measures by our company in accordance with the provisions of Law No. 6698 and related regulations and transferred to the necessary authorities in accordance with the provisions of the legislation. For detailed information and rights, you can apply to www.gunessigorta.com.tr.
INFORMATIVE AND ENLIGHTMENT FORM ON COVID-19 TOURIST PROTECTION AND SUPPORT HEALTH INSURANCE
This form has been issued based on the sample form by the T.R Prime Ministry Undersecretariat of Treasury and includes the general notification. Please read the Special and General Terms on the product you have purchased carefully.
This form has been issued based on the Notification in Insurance Contracts published on 28/10/2007 to provide general information on rights, obligations, the subject, implementation of the contract and various important changes and developments both during the negotiations on the insurance contract and in the continuation of the contract for the insurant and other individuals who will benefit from the contract.
- INSURER DETAILS:
- Insurance agency’s (which is the intermediary for the contract)
Commercial Title:
Address:
Tel&Fax No: :
- Guaranteeing Insurer’s:
Commercial Title: Güneş Sigorta A.Ş.
Address: Büyükdere Cad. 110 Esentepe Şişli İstanbul TURKEY
Tel&Fax no 0 850 222 19 57 - (212)3556464
- WARNING:
- For more detailed information about insurance, please carefully read and review the General Terms of Health Insurance, Policy Special Conditions and Contracted Healthcare Institutions List to be provided by the insurer upon request.
- In accordance with Article 1431 of Turkish Commercial Code; The responsibility of the insurer shall not start unless the policy premium is paid. In accordance with the Article 1434 of Turkish Commercial Code; If the policy down is not paid, the insurer shall terminate the insurance contract. If one of the installments is not paid in due time, the insurant shall be liable for paying the premium payables within maximum 10 days following the notification date made by the insurer. Otherwise, the policy shall be terminated and compansations claimed after the cancellation date shall not be covered.
- In accordance with the Article 7 of the General Terms of Insurance Contract, if the points which might have an impact on the risk have been amended after the contract has been entered, Insurance company should be notified.
- Insurance shall commence at 12.00 p.m in Turkey’s time zone and end 12.00 p.m when the risk has been realized during the days specified as the commencement and deadline in the policy unless agreed otherwise.
Effectiveness period of the policy between the policy commencement and end dates specified on the policy,
- starts with the moment detected to enter into Turkish Republic with passport and ends with the moment detected to depart Turkish Republic with passport.
The maximum policy period for this product is limited to 30 days.
- The coverage is applied to certain diagnosis of Covid-19 within insurance period and in the borders of Turkey
- Policies which are purchased following the date of entry to the T.R boundaries are invalid.
- GENERAL INFORMATION
- This insurance contract undertakes to cover the costs included in the scope of COVID-19 Tourist Protection and Support Insurance within the framework of this “Special Conditions” and Health Insurance General Terms if individuals who travel to Turkish Republic for travel purposes but hospitalized because of accurate diagnosis of Covid-19, within the payment limit and rates and the scope specified in the applications stipulated in the policy and the attachments.
- COVID-19 Tourist Protection and Support Insurance Health policies are only valid for individuals between 0-65 ages.
Information specified on the policy are essential. Insurance coverage is only valid for individuals specified in the policy and those who are not included shall not benefit from the insurance.
- Insurer might demand medical examinations in order to assess the health risk of the insuree.
- The insurance company has the right to request information and record copies of the health history of the insuree from all doctors, health institutions and third parties who treat the insuree before and after the insurance period. If the insuree does not agree to do so, the insurer may choose not to pay compensation or to cancel the agreement within good intention rules.
- Within the scope of the health insurance contract to be made with your company, in the capacity of the insuree/insurant, I give my consent for my personal health data, insurance records and my health details and records to be obtained, collected, processed, updated and periodically controlled, stored and processed by Insurance Information and Observation Center (SBGM), Social Security Agency, T.R Ministry of Health, health institutions and establishments, current and/or other health insurance companies, medical doctors and/or all public institutions and private institutions and establishments and third parties specified by the regulation; and shared with the related public institutions and establishments, 3rd persons and organizations, service providers located in Turkey or abroad in order to give health insurance offer, realize health risk assessment and fulfill the contractual obligations specified in the insurance contract and conclude the compensation applications.
- Apart from the general terms of the insurance, the parties have the right to agree on a special condition not to be against the law, ethics and against the insuree.
- Please notify any change in your identity, address, phone details, etc. registered in our system so that we can access you easily when necessary by using musteri.iliskileri@gunessigorta.com.tr or fax via ( 0212 ) 355 6464
- Special and general terms of health insurance might be accessed via www.gunessigorta.com.tr
- EXCEPTIONS
This policy covers the health expenses to be caused in all pandemic hospitals regardless of private hospital or state hospital if the individuals visiting our country get and accurately diagnosed with Covid-19 and hospitalized. All other health costs which might be experienced within the boundaries of Turkish Republic, excluded from this scope shall be excluded from the scope.
- COMPENSATION PAYMENTS
1.The right holders are liable for providing the documents to the insurer in order to claim their rights arising from the policy.
- Invoices related to health costs are calculated in Turkish Lira at the Central Bank's Effective Selling Rate (in the case that the currency of the relevant country does not correspond to the Turkish currency, it is calculated over the cross exchange rate of USD correspondent monetary unit), and covered within the limit and payment percentage specified in the policy.
- Insuree shall provide all documents and information required to provide the service in full and complete (Passport entry-exit photocopies, Passport front-face photocopy, epicrisis, doctor follow-up forms, open invoice and examination results etc.)
Compensation payments shall be assessed within the scope of insurance limits specified in the Special conditions, General Terms of Insurance Contract.
- In case of the realization of risk, obligation to make compensation payment belongs to the insurance company.
- Assessment and payment terms of the health costs incurred in contractual or non-contractual health institutions and establishments are included in the Compensation Payment article of the special terms.
- OTHER DETAILS
Insurer is the member of arbitration system.
The Insurance Arbitration Commission has been established within the framework of Article 30 of the Law No. 5684 for the settlement of disputes arising from the insurance contract between the insurers or the insurance arbitration system members.
- COMPLAINTS AND INFORMATION REQUESTS
- For any information requests and complaints, the following addresses and phone numbers can be used.
- The insuree accepts and undertakes that all kinds of information and communication related to the insurance should be made through the contact information (including SMS sending) which they have stated during the issuance of the policy.
- If you do not receive your policy or rejection letter within 30 days following the application date, you can access to the Customer Relations department via 0 850 222 19 57.
I declare that I have accepted and filled the insurance terms specified in this Offer and Information Form.
Tourist Protection and Support Insurance– Inpatient Treatment
Are you ready to discover? Your vacation is under Covid-19 assurance for a Safe New Start…
For a more enjoyable and safer vacation in Turkey, a tourist attraction with its history, nature and culture, we stand by you through our Tourist Protection Support Insurance with Covid-19 coverage.
Bodrum, Cappadocia, Marmaris, Nemrut, Antalya and other wonders of our country…
We know that you are longing for vacation. We put Gunes Tourist Protection and Support Insurance into your service in order to make your vacation more enjoyable and safer. You can relieve the tiredness and stress of the months through a vacation in the corners of paradise in Turkey with mind at peace, without worrying about Covid-19.
While you enjoy your vacation in the rich-blue seas, lush plateaus, wide canyons and open-air museums of Turkey, we, as Gunes Sigorta, provide coverage for Covid-19, which affects the whole world.
Keep on meeting the beauties of our country, and make new discoveries; don’t worry about Covid-19, enjoy a safe vacation.
Frequently Asked Questions
1-What is the Context and Coverage of the Product?
It is an insurance policy which pays for the treatment expenses of the people, who are hospitalized after a definitive diagnosis of Covid-19, throughout the duration of hospitalization. If the person is hospitalized in one of our contracted organizations, the payment is made through the Gunes Sigorta Provision system. Payment is made in person in non-contracted organizations.
Coverages, provided under your policy, determine the scope of coverage. We recommend you to review your policy to be fully familiar with the service advantages provided under your insurance policy.
2-How Long is the Policy Period?
It is up to maximum 30 days, depending on the travel time of the insured.
3-Is there a day limit for hospitalization under the policy?
In the event that the insured is in intensive care before the policy expiry date, the treatment continues for 10 days, even if the policy expires.
4-Is there a waiting period?
There is no waiting period in Covid-19 Tourist Protection and Support Insurance.
5-Is there an age limit for this product?
Everyone between the ages of 0-65 can benefit from Covid-19 Tourist Protection and Support Insurance.
6-What is the coverage of the Insurance of Covid-19 Private Health Insurance Coverage Expenses?
All health expenses that may occur in any of the pandemic hospitals, whether private hospital or public hospital, in case of hospitalization due to Covid-19 during the travels of those coming to our country from foreign countries are covered by this product. Intensive care expenses are also included in our product. Once our Gunes Sigorta provision teams are called during admission to hospital, the payment processes are initiated.
7-Under which conditions the claims are paid?
In order for a person to be admitted to a hospital or hospitalized in intensive care with the diagnosis of Covid 19 and for claim to be paid, the hospital must make a request to Gunes Sigorta provision center. If the organization is a non-contracted pandemic hospital, then the payment is made in person.
8-What is required for payment in non-contracted organizations?
Copies of entrance and exit stamps of the passport, copy of front page of the passport, epicrisis, follow-up forms of physician, open invoice and examination results are required for the evaluation of invoices in non-contracted pandemic organizations.
Tourist Protection and Support Insurance– Inpatient Treatment
Are you ready to discover? Your vacation is under Covid-19 assurance for a Safe New Start…
For a more enjoyable and safer vacation in Turkey, a tourist attraction with its history, nature and culture, we stand by you through our Tourist Protection Support Insurance with Covid-19 coverage.
Bodrum, Cappadocia, Marmaris, Nemrut, Antalya and other wonders of our country…
We know that you are longing for vacation. We put Gunes Tourist Protection and Support Insurance into your service in order to make your vacation more enjoyable and safer. You can relieve the tiredness and stress of the months through a vacation in the corners of paradise in Turkey with mind at peace, without worrying about Covid-19.
While you enjoy your vacation in the rich-blue seas, lush plateaus, wide canyons and open-air museums of Turkey, we, as Gunes Sigorta, provide coverage for Covid-19, which affects the whole world.
Keep on meeting the beauties of our country, and make new discoveries; don’t worry about Covid-19, enjoy a safe vacation.
Frequently Asked Questions
1-What is the Context and Coverage of the Product?
It is an insurance policy which pays for the treatment expenses of the people, who are hospitalized after a definitive diagnosis of Covid-19, throughout the duration of hospitalization. If the person is hospitalized in one of our contracted organizations, the payment is made through the Gunes Sigorta Provision system. Payment is made in person in non-contracted organizations.
Coverages, provided under your policy, determine the scope of coverage. We recommend you to review your policy to be fully familiar with the service advantages provided under your insurance policy.
2-How Long is the Policy Period?
It is up to maximum 30 days, depending on the travel time of the insured.
3-Is there a day limit for hospitalization under the policy?
In the event that the insured is in intensive care before the policy expiry date, the treatment continues for 10 days, even if the policy expires.
4-Is there a waiting period?
There is no waiting period in Covid-19 Tourist Protection and Support Insurance.
5-Is there an age limit for this product?
Everyone between the ages of 0-65 can benefit from Covid-19 Tourist Protection and Support Insurance.
6-What is the coverage of the Insurance of Covid-19 Private Health Insurance Coverage Expenses?
All health expenses that may occur in any of the pandemic hospitals, whether private hospital or public hospital, in case of hospitalization due to Covid-19 during the travels of those coming to our country from foreign countries are covered by this product. Intensive care expenses are also included in our product. Once our Gunes Sigorta provision teams are called during admission to hospital, the payment processes are initiated.
7-Under which conditions the claims are paid?
In order for a person to be admitted to a hospital or hospitalized in intensive care with the diagnosis of Covid 19 and for claim to be paid, the hospital must make a request to Gunes Sigorta provision center. If the organization is a non-contracted pandemic hospital, then the payment is made in person.
8-What is required for payment in non-contracted organizations?
Copies of entrance and exit stamps of the passport, copy of front page of the passport, epicrisis, follow-up forms of physician, open invoice and examination results are required for the evaluation of invoices in non-contracted pandemic organizations.
Coverage Information:
Inpatient Treatment - 3.000 EUR
Inpatient Treatment - 5.000 EUR
Inpatient Treatment - 7.000 EUR
GÜNEŞ SİGORTA
ABOUT US
Güneş Sigorta, the industry's preferred and trusted brand since 1957, continues to develop innovative products in order to fulfill its social and industrial responsibilities with a strong technological structure and expert staff at its 10 regional directorates, 11 financial district directorates, 2 representative offices and almost 3,000 sales channels.
Güneş Sigorta’s main shareholder is TVF Finansal Yatırımlar Anonim Şirketi.
Always at the side of its insurance holders and stakeholders with its strong financial structure and effective and efficient loss management skills,Güneş Sigorta is the proud owner of the ISO 9001: 2008 and ISO 10002: 2004 Complaints Management System Certificates.
With our newly crafted motto in our 60th year, we say "#lifeiseasier with Güneş Sigorta", with enthusiasm to increase the number of our insurance holders and raise insurance awareness thanks to our 60 years of experience in the industry.
OUR VISION
•To pioneer change in the insurance industry, to create value for stakeholders and to be the most preferred provider in the industry
OUR MISSION
•To understand the needs of the insurance holders and offer creative solutions with a customer-oriented perspective
•To contribute to the improvement of the standards in the insurance industry and to create public awareness about insurance
•To offer the highest benefit to our stakeholders with our current strategic direction and ever growing human resources
OUR VALUES
•Pioneering Change
•Reliable
•Progressive
•Making a Difference
•Results Oriented
•Customer Oriented
CUSTOMER RELATIONS POLICY
In line with our high-quality policy that was established through our mission, vision and core values, we also believe in the enormous importance of customer satisfaction created by our products and services.
In order to provide you with the best possible service, we at Güneş Sigorta have strengthened our commitment to customer satisfaction through comprehensive strategies and efforts that aim to improve customer relations processes.
As a result, we are proud to announce that - following the audits by TÜV Thüringen, an international approval body - our high quality customer service has been granted an ISO 10002:2004 Complaints Management System Certificate, a certificate given to very few companies in the insurance industry.
Core Principles
Accessibility: Thanks to a variety of communication means we provide, our customers can easily reach us to share their complaints, request information, make suggestions or express their satisfaction.
Availability of Information: Thanks to a variety of communication means we provide, our customers can easily reach us to share their complaints, request information, make suggestions or express their satisfaction.
Fast Feedback: Responding promptly to all customer requests is of great importance to our company.
Solution Emphasis: Fast and effective solutions are tailored to customer needs.
Objectivity: In addition to assessing and handling all customer requests objectively, we also believe that objectivity is essential when seeking solutions.
Confidentiality: The use of any personal information obtained through customer requests is restricted by law and bound by the principle of confidentiality.
Customer Focus: A customer-oriented policy is used to provide customers with the best service and to ensure that customer expectations are fully met.
Taking Initiative: Employees are encouraged to take initiative and to make necessary decisions when needed, in order to meet customer needs in the shortest possible time and to maintain maximum levels of customer satisfaction.
Customer Engagement: Customers are kept informed of the assessment and solution-seeking efforts in the management of their requests and are able to actively engage in the process.
Accountability: The assessments, solution-seeking efforts, status codes and results of customer requests are reported and monitored.
Internal Information Exchange: Customer relations activities are shared and monitored within the company.
Continuous Improvement: Customer suggestions and ideas are carefully assessed and used as a source for continuous improvement efforts.
Professionalism: Customer demands are answered by our qualified employees in a professional manner.