1. SUBJECT AND SCOPE OF INSURANCE

This insurance contract includes extra room accommodation in hotels where foreigners travelling from abroad to the Republic of Turkey stay within the borders of the Republic of Turkey, after all public pandemic hospitals report keeping them under surveillance at the hotel where they stay due to Covid-19 disease.

The certified hotels guarantee that they take all measures against the pandemic in all the segments they offer. Businesses with Safe Tourism Certificate were stated at https://tga.gov.tr/search-hotel-category.  Our Ministry of Tourism has mandated that all accommodation facilities with 30 rooms and above receive “Safe Tourism” certificate with its latest regulation.  Accommodation companies that are obliged to receive certificates will not be able to operate without certificates.

This policy is valid as of the beginning of the foreign tourist accommodation, provided that they stay in Safe Tourism certified hotels and any of the COVID-19 Tourist Protection Insurances have been purchased.

The maximum compensation period to be paid during the policy shall be limited to the outcome obtained by multiplying the daily hotel accommodation fee for one with 15 days and and limited to maximum 1500 €.  Our product is arranged on the basis of compensation and the daily amount of compensation specified in the scope of the guarantee is paid to the insuree.

COVID-19 Accommodation Support Insurance Package is only valid for the 0-65 age range.

The information written on the policy is essential. The insurance coverage is valid only for the persons mentioned in the policy, and other persons may not benefit from the coverage.

1. DEFINITIONS

The words, definitions, phrases and abbreviations used in the text of this insurance contract have the meanings specified in their provisions. (The definitions below are general definitions and the scope of the policy is limited to the guarantees specified on the policy.)

Policy:

It is a document signed by the insurer and given to the insuree/insurant, showing the rights and debts arising from the insurance contract of the insuree and the insurant.

General Requirements of Health Insurance:

These are the general conditions of Health Insurance determined by the Undersecretariat of Treasury  of the Prime Ministry of Turkey.

Company:

Türkiye Sigorta A.Ş.

Disease:

It is a deterioration in the physical or mental functions of the insuree that would require intervention by a doctor or medical research.

Doctor / Medical Doctor:

Within the framework of the laws valid in the Geographical Area where healthcare is provided, this is a person who is permitted by law within the borders of the Republic of Turkey to conduct his profession or given the title/document as an official medical doctor.   In these special circumstances, the term doctor of medicine shall be used as a doctor.

Exemption:

It is the amount of expenditure written in the policy that is not covered by the guarantee / service provided by the insurance company and/or that the insuree must attend for each event.

Insuree:

The insurer is the person whose name is stated in the current insurance policy issued by the insuree and is included in the insurance coverage.

1. GEOGRAPHICAL SCOPE

This insurance contract is valid within the borders of the Republic of Turkey.

1. POLICY VALIDITY PERIOD , GUARANTEES and PREMIUMS

The insurance coverage starts with a accommodation at the hotel and ends with the end date of the accommodation. In case the insuree stays in quarantine within the period of accommodation is documented, the maximum amount of compensation will be paid even if the accommodation in the hotel is over. In a 7-day tour, if a surveillance decision is made on the 5th day, 13 days of compensation will be paid in case of an extra stay at the hotel for 15 days.

Premiums will be collected in advance in TL at the effective sales rate of the central bank at the date of issue of the policy.

GUARANTEES

The insurance is valid provided that Covid-19 diagnosis has been made within the borders of Turkey and within the insurance period. This policy shall be for minimum 15 days. The daily compensation fee payable might not be higher than the daily hotel room fee.

1. GENERAL EXCEPTIONS

This policy is a type of policy that covers hotel accommodation costs only if those who come to our country from abroad stay in the hotel extra due to Covid 19. Besides this scope, the insuree's medical expenses outside of Covid 19 within the borders of the Republic of Turkey are not covered.

The guarantee is valid in case of a definitive diagnosis of Covid-19 within the insurance period and within the borders of Turkey.

The policies taken after the date of entrance to the Turkey shall not be valid.

1. WAITING PERIODS

 There is no waiting period.

1. INDEMNITY PAYMENTS

The reports to be given by the Public Pandemic Hospitals of the Republic of Turkey and quarantine documents for staying at the hotel - Passport Photocopy - Hotel Accommodation Documents and Hotel Accommodation Receipt are required.  The insurer might request additional document if necessary.

During the compensation payment, it shall be converted into TL over the Effective Selling Exchange Rate of Central Bank on the date of quarantine start received by the Hospital and deposited into the account of insured. (Bank costs to be born within the scope of Transfer /EFT shall be covered by the insured).

1. POLICY CANCELLATION

There is no cancellation of policy and no premium refunds. Policy premium shall be in cash and collected by being converted in TL over the Effective Seeling Exchange Rae of Central Bank.

1. RIGHT OF RECOURSE

In the event that the insurer makes payments contrary to the special and general conditions of the policy due to the incorrect and/or incomplete information of the insuree or the insurant, the insurer shall collect these payments by recourse to the insuree. If the insurer has made a payment that is not covered by the policy guarantee for any reason, it cannot be considered as a right earned by the insuree.

1. INFORMATION

Türkiye Sigorta A.Ş is authorized to provide and share information and/or documents by making examinations at the   Treasury, Health Insurance Information and Monitoring Center (SBGM), Turkey Insurance Association (Turkey Insurance, Reinsurance, and Pension Companies Association), all health institutions and organizations, insurance companies and Public Institutions within the framework of relevant legal regulations.

The insurer informs the insurant / insuree about the contract expiration date and renewal before the contract expires and if there is a renewal guarantee on the product, written or electronic notification to the insuree regarding the renewal guarantee and also, whether the contract is renewed or not.  The insurer shall make this information based on the up-to-date contact information contained in the company records.

However, in the event that at least one of these contact information is changed or misreported, the insurer shall be deemed to have fulfilled its obligation to inform unless immediately written notification is made to the insurer by the insuree/insurant.

In addition to the address information, it is obligatory that at least one of the family members who are insured in the policy and one of the cell phone or e-mail address of the insuree should be forwarded to the insurer in order to make the information.

In cases where there is a lack of contact information of family members, notification is made to the person with full knowledge of the policy and the information is considered to have been made to other family members in the policy.

1. INFORMATION SHARING AND INFORMATION SUPPLY

Türkiye Sigorta A.Ş is authorized to provide and share information and/or documents by making examinations at the Treasury, Health Insurance Information and Monitoring Center (SBGM), Turkey Insurance Association (Turkey Insurance, Reinsurance, and Pension Companies Association), all health institutions and organizations, insurance companies and Public Institutions within the framework of relevant legal regulations.

1. DECLARATION OF CONSENT

I give consent for my personal health data, insurance records and information and records about my health status to be shared with public authorities and cents, the nature of contracts with third parties and organizations should, service providers, who are resident in Turkey or abroad with companies, if needed, to be collected, processed, updated, periodically checked, to be kept in the database, processed and stored and obtained from the Insurance Information and Surveillance Center (SBGM), Social Security Institution, Ministry of Health, health institutions and organizations, existing and/or other health insurance companies, physicians and/or all public and private institutions and organizations determined by the relevant legislation and third parties in order to submit a health insurance offer, to make a health risk assessment, to fulfill the obligations under the insurance policy and to finalize compensation applications as the insuree/insurant.

Your personal data and special quality personal data that you have transmitted to us for the establishment and performance of this contract are processed under the necessary security measures by our company within the framework of the provisions of Law No. 6698 and the relevant regulations and transferred to the necessary authorities in accordance with the provisions of the legislation.  For detailed information and your rights, you can apply to www.turkiyesigorta.com.tr address.

Turkiye Sigorta A.S                                                                                         Insured

COVID 19 ACCOMMODATION SUPPORT INSURANCE INFORMATION AND CLARIFICATION FORM

This form has been prepared on the basis of the sample form prescribed by the Undersecretariat of Treasury of the Prime Ministry of Turkey and contains the general information. Therefore, please read carefully the specific and general terms of the product you purchase.

This form has been prepared in accordance with the regulation on informing the insuree in the insurance contracts published on 28/10/2007 in order to give general information about the rights, obligations, the subject matter of the contract, its operation and some important changes and developments, both during the negotiation of the insurance contract and during the continuation of the insurance contract.

1. INFORMATION ABOUT THE INSURER

1.The insurance agent who mediated the contract;

Trade name :

Address:

Tel & Fax no. :

2.The insurer providing the guarantee;

Trade Name: TÜRKİYE SİGORTA A.Ş.

Address: Büyükdere Cad. No: 110 Esentepe ŞİŞLİ / İSTANBUL

Tel & Fax number 0 850 202 20 20- (212) 3556464

1. WARNINGS

1.For more detailed information about insurance, please carefully review the general terms of Health Insurance and the specific terms of the policy to be issued by the insurer upon request.

2.In accordance with article 1431 of the Turkish Commercial Code, the liability of the insurer shall not begin unless the policy premium is paid. In accordance with article 1434 of the Turkish Commercial Code, the insurer shall terminate the insurance contract if the down payment of the policy is not paid. In the event that one of the installments is not paid in due time, the insuree is obliged to pay the premium debt within 10 days at the latest as of the date of notification made by the insurer. Otherwise, the policy will be terminated and the claims will not be met after the cancellation date.

4. After the contract is made, if the issues that may affect the risk change, the situation must be reported to the insurance company within eight days in accordance with Article 7 of the General Conditions of Health Insurance.
5. This insurance contract includes extra room accommodation in hotels which have Safe Tourism Certificate and where foreigners travelling from abroad to the Republic of Turkey stay within the borders of the Republic of Turkey, after all public pandemic hospitals report keeping them under surveillance at the hotel where they stay due to Covid-19 disease.

The certified hotels guarantee that they take all measures against the pandemic in all the segments they offer. Businesses with Safe Tourism Certificate were stated at https://tga.gov.tr/search-hotel-category.  Our Ministry of Tourism has mandated that all accommodation facilities with 30 rooms and above receive “Safe Tourism” certificate with its latest regulation.  Accommodation companies that are obliged to receive certificates will not be able to operate without certificates.

This policy is valid as of the beginning of the foreign tourist accommodation, provided that they stay in Safe Tourism certified hotels and any of the COVID-19 Tourist Protection insurances have been purchased.

The maximum compensation period to be paid during the policy shall be limited to 15 days and the total amount to be paid shall be limited to 15 days multiplied by the daily daily hotel accommodation fee for one person. Our product is arranged on the basis of compensation and the daily amount of compensation specified in the scope of the guarantee is paid to the insuree.

COVID-19 Accommodation Support Insurance Package is only valid for the 0-65 age range.

The information written on the policy is essential. The insurance coverage is valid only for the persons mentioned in the policy, and other persons may not benefit from the coverage.

1. GENERAL INFORMATION

1.POLICY VALIDITY PERIOD  , GUARANTEES and PREMIUMS

The insurance coverage starts with a accommodation at the hotel and ends with the end date of the accommodation. In case the insuree stays in quarantine within the period of accommodation is documented, the maximum amount of compensation will be paid even if the accommodation in the hotel is over. In a 7-day tour, if a surveillance decision is made on the 5th day,  13 days of compensation will be paid in case of an extra stay at the hotel for 15 days.

Premiums will be collected in advance by converting them to TL at the effective selling exchange rate of the central bank at the date of issue of the policy.

GUARANTEES

2.The guarantee is valid in case of a definitive diagnosis of Covid-19 within the insurance period and within the borders of Turkey.

3.The insurer may request medical examinations to assess the health risk of the insuree.

4.The insurance company has the right to request information and registration copies about the health background of the insuree from all doctors, health institutions and third parties who treated the insuree before and after the insurance period. Under the insuree's goodwill rules, if he does not agree to fulfill this, the insurer may go out of its way to not pay the compensation or cancel the agreement.

5. I give consent for my personal health data, insurance records and information and records about my health status to be shared with public authorities and cents, the nature of contracts with third parties and organizations should, service providers, who are resident in Turkey or abroad with companies, if needed, to be collected, processed, updated, periodically checked, to be kept in the database, processed and stored and obtained from the Insurance Information and Surveillance Center (SBGM), Social Security Institution, Ministry of Health, health institutions and organizations, existing and/or other health insurance companies, physicians and/or all public and private institutions and organizations determined by the relevant legislation and third parties in order to submit a health insurance offer, to make a health risk assessment, to fulfill the obligations under the insurance policy and to finalize compensation applications as the insured/insurant.

6.In addition to the general conditions of insurance, the parties have the right to make a special condition not to be contrary to the law, morality and not to the detriment of the insuree.

7. The maximum policy period for this product is limited to 15 days.
8. In order to reach you more easily when your identity, address, telephone and similar information is changed in our system, please report to bilgi@turkiyesigorta.com.tr or to our fax number (0212) 355 6464.

9.The special and general conditions of health insurance can be accessed at www.turkiyesigorta.com.tr.

1. EXCEPTIONS

This policy is a type of policy that covers hotel accommodation costs only if those who come to our country from abroad stay in the hotel extra due to Covid 19. Besides this scope, the insuree's medical expenses outside of Covid 19 within the borders of the Republic of Turkey are not covered.

The guarantee is valid in case of a definitive diagnosis of Covid-19 within the insurance period and within the borders of Turkey.

The policies taken after the date of entrance to Turkey shall not be valid.

1. MAKING COMPENSATION PAYMENTS

The reports to be given by the Public Pandemic Hospitals of the Republic of Turkey and quarantine documents for staying at the hotel - Passport Photocopy - Hotel Accommodation Documents and Hotel Accommodation Receipt are required.

During compensation payment, it shall be converted into TL over the Effective Selling Exchange Rate of Central Bank on the date of quarantine start received by the Hospital and deposited into the account of insured. (Bank costs to be born within the scope of Transfer /EFT shall be covered by the insured).

1. OTHER INFORMATION

The insurer is a member of the arbitration system.

The Insurance Arbitration Commission was established within the framework of Article 30 of Law No. 5684 for the settlement of disputes arising from insurance contracts between insurance providers or individuals benefiting from insurance contracts and insurance organizations that are members of the Insurance Arbitration System.

1. COMPLAINTS AND REQUESTS FOR INFORMATION
2. 1. All information requests and complaints related to insurance can be applied to the following addresses and phones.
3. The insuree has agreed that all information and communication regarding the insurance shall be made on the contact information ( including SMS sending ) he / she declared when the policy was issued.

3.If your policy or rejection letter does not reach you within 30 days of the application date, you can contact our customer service department at 0 850 202 20 20

I declare that I have filled out the insurance terms set out in this offer and disclosure form.

Title / Stamp /Signature of The Insuree

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 Türkiye 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 Türkiye 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 Türkiye 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 Türkiye 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 Türkiye 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.

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 Türkiye 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 Türkiye 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 Türkiye 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 Türkiye 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 Türkiye 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.

Covid-19 Accommodation Support Insurance - Individual

Your holiday is guaranteed by Türkiye Sigorta if you are diagnosed with Covid-19 and taken under surveillance...

While you are enjoying a joyous and safe holiday in Turkey, the tourism center with its history, nature and culture, we will guarantee your comfort under the risk of taking under surveillance against Covid-19.

We know you miss your holiday. We present Covid-19 Accommodation Support for your service in order to guarantee the risk of diagnosing with Covid-19 and being taken under surveillance during your holiday.

You can get rid of your tiredness and stress of months during your holiday which you will experience mind at peace in a heaven-kind corners of Turkey without worrying about Covid-19.

While you are enjoying rich blue, very green tablelands, wide canyons and open air museums, as Türkiye Sigorta, we are guaranteeing you against the concern of Covid-19 which has taken the whole world under its impact.

 Go on meeting the beauties of our country and realize new discoveries; If you get caught in Covid-19, enjoy a safe holiday without worrying about hotel expenses during your surveillance.

Frequently Asked Questions

1- What is the product content and coverage?

This policy is valid on the condition of accommodating at the Safe Tourism certified hotels since the beginning of the accommodation of the Foreign Tourist. If surveillance decision is taken by public pandemic hospitals because of Covid-19 within the scope and duration of the policy, and if the insure has to prolong their accommodation duration at the hotel, daily compensation amount within the coverage scope of the package chosen will be paid to the insure.

2- Is the coverage chosen within the package scope paid to the hotel or insured?

Compensation payments Health Insurances are made to the right owner. Therefore, the payments in the related policies will be made to the insured, the right owner.

3- What is the compensation duration?

Maximum compensation duration to be paid during the policy period is 15 days.

4-Does it matter if the hospital which decides for surveillance is private of public hospital?

The hospital which decides for supervisory should be public hospital.

5- Is there any waiting period?

No, there is not any waiting period.

6-Is there any age limitation?

Tourists between the ages of 0-65 who visit our country can benefit from this product.

7-Is there any special clause for policy coverage commencement?

The coverage will be valid on the insurance commencement date; policy coverage commencement date cannot be before the date of entry to the boundaries of Turkish Republic. As the commencement date, the date specified on the passport will be taken as basis. Even if the policy expiry date is future dated, coverage expires when it is detected that the insured go outside of the Turkish boundaries based on the passport.

8- Does any compensation payment made if the supervisory decision is taken during the tour period after Covid-19 diagnosis within the tour scope?

Even though the insurance coverage expires at the end of the tour, if the surveillance decision is made during the tour, compensation is paid during the maximum compensation period even if the tour duration ends. For example, In a 7-day tour, if a surveillance decision is made on the 5th day,  13 days of compensation will be paid in case of an extra stay at the hotel for 15 days.

9- What is the daily coverage limit?

The maximum compensation period to be paid during the policy shall be limited to the outcome obtained by multiplying the daily hotel accommodation fee for one with 15 days and and limited to maximum 1500 €.  Our product is arranged on the basis of compensation and the daily amount of compensation specified in the scope of the guarantee is paid to the insuree. . The daily compensation fee payable might not be higher than the daily hotel room fee.

ABOUT US

Türkiye 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.

Türkiye 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,Türkiye 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 Türkiye 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 Türkiye 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.

1. Purpose:

This enlightenment text has been prepared by  TÜRKİYE  Sigorta Anonim Şirketi (“Insurance” or “Company”) as the data supervisor under the Article 10 of Law on Protection of Personal Data no. 6698 (“Law”) and within the scope of Notification on Principles and Rules to be Complied in Fulfilling the Enlightenment Obligation.

We attach maximum sensitivity for the protection of your personal data.

We notify that your personal data which you provide or will provide or we will collect externally because you are a natural person customer of our company might be recorded, stored, kept, adjusted, shared with the institutions which are authorized to demand such personal data and shared, transmitted, transferred to the third persons in national and international scale under the requirements specified by KVK and classified and processed in any way specified in KVK Law and subject to any other operations specified in KVK Law by our company as the “Data Supervisor” within the scope of insurance proposals and insurance contracts and  

• Within the framework of purposes to process your personal data and to the extent in connection with, limited to this purpose,
• By maintaining the authenticity and current version they have been shared with our company
• .

It is aimed to maintain and improve the operations conducted by the TÜRKİYE  Sigorta  in compliance with the principles specified in KVK Law through this enlightenment text.

2. Collection and Method of Personal Data of Natural Person Customers

Our company shall process your personal data without causing any damage on your rights and freedoms in line with the purposes specified in this enlightenment text. In case of any change in the purposes of processing your personal data, your consent shall be taken.

Personal data collected and used by our company are as follows:

Your personal data shall be collected by the authorized departments, the General Directorate, our suppliers, agencies, brokers, our employees and business partners authorized by the Company upon your statements before, during and after the contractual relation.

Your personal data shall be collected in verbal, written or electronic platforms through automatic and non-automatic methods such as cameras we have placed in the Company buildings, e-mail, phones, websites, any contract, forms and reports, etc. and any document and papers received from public institutions and establishments for any reason specified by the laws through third parties and our systems and upon receipt of health information of the insured from the natural persons, legal entities and institutions that are data processors and authorized by the Company.

3. Personal Data Processing Purposes and Legal Reasons

With the aim of fulfilling the legal obligations and requirements on the condition of not being limited to the Personal Data Protection Law, Insurance Law, Private Health Insurance Regulation, Insurance Support Services Regulation, Turkish Commercial Code, Turkish Code of Obligations, Law on Prevention of Laundering Crime Revenues and the above-mentioned legislation:

• In order to realize intelligence operations within the scope of insurance periods,
• Realize the insurance, reassurance and recourse activities,
• Create the insurance pricing tables,
• Realize the required operations before the authorized public institutions and establishments.

With the aim of establishing and implementing the contract:

• In order to provide products and services in line with your needs,
• Record the offer provided to the customer in the system,
• Record the document required in the insurance contract in the system,
• Carry out the customer assessment works,
• Carry out the distant sales contract processes,
• Realize the collection operations,
• Register the proposals and policy entries to the system,
• Detect the missing statements,
• Carry out the collection processes with credit card,
• Carry out the transition process of insured to another insurance companies,
• Record the insurance application forms to the system,
• Carry out the policy cancellation processes,
• Provide aftersales support services,
• Carry out the proposal and addendum works,
• Register the data transmitted by the business partners to the system.

With the aim of assignment, exercising and protecting a right and implementing the company policies:

• In order to carry out core assurance operations,
• Carry out gift token processes,
• Carry out customer satisfaction processes,
• Carry out customer relations management,
• Carry out demand and compliant processes,
• Carry out statistical researches when necessary,

4.      Transfer of Personal Data to Third Persons

Within the scope of specified purposes and in compliance with the terms specified in the Article 8 and 9 of the  Law,  and taking into consideration the provisions of Personal Data Protection Law, Insurance Law, Private Health Insurance Regulation, Insurance Support Services Regulation, Turkish Commercial Code, Turkish Code of Obligations, Law on Prevention of Laundering Crime Revenues; personal data might be transmitted to the affiliates of  TÜRKİYE   Sigorta Anonim Şirketi, partners and all related subsidiaries if required by the third persons providing service, related suppliers, business partners, authorized public institutions and establishments and Company operations within the scope of fulfilling the contractual obligations and fulfilling the legal and legislative obligations of the company, detecting your information in prevention of right loss in any trade activities, realization of collection contracts, carrying out provision processes, taking the expert opinion from contractual institutions and persons in health insurance processes, researching and the health details of insured in health insurance processes, and in supplying health insurance processes, carrying out policy renewal processes, accepting risks and calculating the actuary calculations.

Your personal data shall be stored for a reasonable period as specified in the related legislation or until the end of processing purpose, and up to statutory expiration.

5.      Protection and Confidentiality of Personal Data

Our company shall take all required technical and administrative measures in compliance with the Article 12 of the KVK Law in order to ensure that the personal data which the company processes are processed and accessed under the laws, and to provide the appropriate level of security to ensure the protection of personal data.

6.      Customer’s Rights

Under the Article 11 of KVK Law, you can make demands on the following points about your personal data by applying to our company:

1. To learn whether your personal data has been processed or not,
2. If processed, to demand information.
3. To learn about the purpose of processing personal data and if they have been used in compliance with the purpose or not,
4. To learn the third parties with whom the personal data has been shared in national and international scale.
5. In case of incomplete or improper processing of personal data, to request such personal data to be revised and to request the third parties with whom such personal data has been shared to be notified about the operation,
6. In case of disappear of the reasons to process the personal data, to request such data to be deleted, eliminated or make anonymous; and to request the third parties with whom such personal data has been shared to be notified about the operation,
7. To make objection for any result against the data owner by analyzing the processed personal data by exclusively automatic systems,
8. In case of experiencing any damage because of illegal processing of personal data, to request to be compensated,

You can submit your demands under the KVK Law in written by using the e-mail address which you have already notified to our company or other ways to be specified by KVK Committee with identity-supporting documents, registered electronic mail (KEP) address, safe electronic signature, mobile signature or by related person.  You can access to the Related Person Application Form which you can use for your demands within this scope via https://www.turkiyesigorta.com.tr  Our company will conclude your application demands in compliance with the Article 13 of KVK Law based on the nature of demand and within maximum 30 (thirty) days as free of charge. In case of the rejection of demand, rejection reason/s shall be notified to you in written or electronically.

The company reserves its right to make any amendment on this enlightenment text required by the Law, supplementary regulations and Committee decisions. Amendments to be made on the enlightenment text and updated text shall enter into force on the day notified to you. The latest version of the enlightenment text can be accessed via https://turkiyesigorta.com.tr/protection-of-personal-data

EXPRESS CONSENT STATEMENT

I accept and undertake that I have read and understood the “Customer Enlightenment Text on Processing Personal Data” within the scope of Law on Protection of Personal Data no. 6698; and have consent for collecting, storing, processing, transmitting and sharing my personal data with the authorized public institutions and establishments, their employees, lawyers, service provider medical consultation firms and  (Other persons and institutions with which personal data are required to be shared should be specified) and Partners, shareholders, suppliers and business partners of  TÜRKİYE  Sigorta Anonim Şirketi in line with the purposes, methods and legal reasons specified in the enlightenment text for implementation of proposal and policy entry processes,  assessment of data received from contractual institutions and insured persons, transmission of the insured details to the other insurance companies, damage notification and provision assessments, damage payments, implementation of policy cancellation processes, implementation of demand and compliant processes, providing aftersales services, carrying out researches for intelligence purposes within the insurance contract scope, carrying out the customer identification and inquiry, carrying out the research on risky diseases, creation of insurance pricing tables, recording the health insurance applications in the system, receiving the health information from public institutions and establishments and carrying out the insurance, reassurance and recourse processes.

I accept and undertake that the Company has made a complete and express notification and I provide my personal data with my own will; and I have consent for my personal data to be used in compliance with the Law on Protection and Processing Personal Data published by the Company, recording on any information and document received from me or third persons upon my approval, storing my information and documentations received by operations and activities realized to be realized by the Company and processing and storing my personal data by the third persons with whom such data has been shared in line with such purposes.

I accept and undertake that I have been explicitly and understandably how I can exercise my rights specified in the Article 11 of the Law including my right to request information on processing and protection of  my personal data.

The persons’s:

Name and Surname:

Date:

Signature:

This insurance contract includes extra room accommodation in hotels where foreigners travelling from abroad to the Republic of Turkey stay within the borders of the Republic of Turkey, after all public pandemic hospitals report keeping them under surveillance at the hotel where they stay due to Covid-19 disease.

The certified hotels guarantee that they take all measures against the pandemic in all the segments they offer. Businesses with Safe Tourism Certificate were stated at https://tga.gov.tr/search-hotel-category.  Our Ministry of Tourism has mandated that all accommodation facilities with 50 rooms and above receive “Safe Tourism” certificate with its latest regulation.  Accommodation companies that are obliged to receive certificates will not be able to operate without certificates.

This policy is valid as of the beginning of the foreign tourist accommodation, provided that they stay in Safe Tourism certified hotels and any of the COVID-19 Tourist Protection Insurances have been purchased.

The maximum compensation period to be paid during the policy shall be limited to the outcome obtained by multiplying the daily hotel accommodation fee for one with 15 days and and limited to minimum 1500 £.  Our product is arranged on the basis of compensation and the daily amount of compensation specified in the scope of the guarantee is paid to the insuree.

COVID-19 Accommodation Support Insurance Package is only valid for the 0-65 age range.

The information written on the policy is essential. The insurance coverage is valid only for the persons mentioned in the policy, and other persons may not benefit from the coverage.

1. DEFINITIONS

The words, definitions, phrases and abbreviations used in the text of this insurance contract have the meanings specified in their provisions. (The definitions below are general definitions and the scope of the policy is limited to the guarantees specified on the policy.)

Policy:

It is a document signed by the insurer and given to the insuree/insurant, showing the rights and debts arising from the insurance contract of the insuree and the insurant.

General Requirements of Health Insurance:

These are the general conditions of Health Insurance determined by the Undersecretariat of Treasury  of the Prime Ministry of Turkey.

Company:

Türkiye Sigorta A.Ş.

Disease:

It is a deterioration in the physical or mental functions of the insuree that would require intervention by a doctor or medical research.

Doctor / Medical Doctor:

Within the framework of the laws valid in the Geographical Area where healthcare is provided, this is a person who is permitted by law within the borders of the Republic of Turkey to conduct his profession or given the title/document as an official medical doctor.   In these special circumstances, the term doctor of medicine shall be used as a doctor.

Exemption:

It is the amount of expenditure written in the policy that is not covered by the guarantee / service provided by the insurance company and/or that the insuree must attend for each event.

Insuree:

The insurer is the person whose name is stated in the current insurance policy issued by the insuree and is included in the insurance coverage.

1. GEOGRAPHICAL SCOPE

This insurance contract is valid within the borders of the Republic of Turkey.

1. POLICY VALIDITY PERIOD , GUARANTEES and PREMIUMS

The insurance coverage starts with a accommodation at the hotel and ends with the end date of the accommodation. In case the insuree stays in quarantine within the period of accommodation is documented, the maximum amount of compensation will be paid even if the accommodation in the hotel is over. In a 7-day tour, if a surveillance decision is made on the 5th day, 13 days of compensation will be paid in case of an extra stay at the hotel for 15 days.

Premiums will be collected in advance in TL at the effective sales rate of the central bank at the date of issue of the policy.

GUARANTEES

The insurance is valid provided that Covid-19 diagnosis has been made within the borders of Turkey and within the insurance period. This policy shall be for minimum 15 days. The daily compensation fee payable might not be higher than the daily hotel room fee.

1. GENERAL EXCEPTIONS

This policy is a type of policy that covers hotel accommodation costs only if those who come to our country from abroad stay in the hotel extra due to Covid 19. Besides this scope, the insuree's medical expenses outside of Covid 19 within the borders of the Republic of Turkey are not covered.

The guarantee is valid in case of a definitive diagnosis of Covid-19 within the insurance period and within the borders of Turkey.

The policies taken after the date of entrance to the Turkey shall not be valid.

1. WAITING PERIODS

 There is no waiting period.

1. INDEMNITY PAYMENTS

The reports to be given by the Public Pandemic Hospitals of the Republic of Turkey and quarantine documents for staying at the hotel - Passport Photocopy - Hotel Accommodation Documents and Hotel Accommodation Receipt are required.  The insurer might request additional document if necessary.

During the compensation payment, it shall be converted into TL over the Effective Selling Exchange Rate of Central Bank on the date of quarantine start received by the Hospital and deposited into the account of insured. (Bank costs to be born within the scope of Transfer /EFT shall be covered by the insured).

1. POLICY CANCELLATION

There is no cancellation of policy and no premium refunds. Policy premium shall be in cash and collected by being converted in TL over the Effective Seeling Exchange Rae of Central Bank.

1. RIGHT OF RECOURSE

In the event that the insurer makes payments contrary to the special and general conditions of the policy due to the incorrect and/or incomplete information of the insuree or the insurant, the insurer shall collect these payments by recourse to the insuree. If the insurer has made a payment that is not covered by the policy guarantee for any reason, it cannot be considered as a right earned by the insuree.

1. INFORMATION

Türkiye Sigorta A.Ş is authorized to provide and share information and/or documents by making examinations at the   Treasury, Health Insurance Information and Monitoring Center (SBGM), Turkey Insurance Association (Turkey Insurance, Reinsurance, and Pension Companies Association), all health institutions and organizations, insurance companies and Public Institutions within the framework of relevant legal regulations.

The insurer informs the insurant / insuree about the contract expiration date and renewal before the contract expires and if there is a renewal guarantee on the product, written or electronic notification to the insuree regarding the renewal guarantee and also, whether the contract is renewed or not.  The insurer shall make this information based on the up-to-date contact information contained in the company records.

However, in the event that at least one of these contact information is changed or misreported, the insurer shall be deemed to have fulfilled its obligation to inform unless immediately written notification is made to the insurer by the insuree/insurant.

In addition to the address information, it is obligatory that at least one of the family members who are insured in the policy and one of the cell phone or e-mail address of the insuree should be forwarded to the insurer in order to make the information.

In cases where there is a lack of contact information of family members, notification is made to the person with full knowledge of the policy and the information is considered to have been made to other family members in the policy.

1. INFORMATION SHARING AND INFORMATION SUPPLY

Türkiye Sigorta A.Ş is authorized to provide and share information and/or documents by making examinations at the Treasury, Health Insurance Information and Monitoring Center (SBGM), Turkey Insurance Association (Turkey Insurance, Reinsurance, and Pension Companies Association), all health institutions and organizations, insurance companies and Public Institutions within the framework of relevant legal regulations.

1. DECLARATION OF CONSENT

I give consent for my personal health data, insurance records and information and records about my health status to be shared with public authorities and cents, the nature of contracts with third parties and organizations should, service providers, who are resident in Turkey or abroad with companies, if needed, to be collected, processed, updated, periodically checked, to be kept in the database, processed and stored and obtained from the Insurance Information and Surveillance Center (SBGM), Social Security Institution, Ministry of Health, health institutions and organizations, existing and/or other health insurance companies, physicians and/or all public and private institutions and organizations determined by the relevant legislation and third parties in order to submit a health insurance offer, to make a health risk assessment, to fulfill the obligations under the insurance policy and to finalize compensation applications as the insuree/insurant.

Your personal data and special quality personal data that you have transmitted to us for the establishment and performance of this contract are processed under the necessary security measures by our company within the framework of the provisions of Law No. 6698 and the relevant regulations and transferred to the necessary authorities in accordance with the provisions of the legislation.  For detailed information and your rights, you can apply to www.turkiyesigorta.com.tr address.

Turkiye Sigorta A.S                                                                                         Insured

COVID 19 ACCOMMODATION SUPPORT INSURANCE INFORMATION AND CLARIFICATION FORM

This form has been prepared on the basis of the sample form prescribed by the Undersecretariat of Treasury of the Prime Ministry of Turkey and contains the general information. Therefore, please read carefully the specific and general terms of the product you purchase.

This form has been prepared in accordance with the regulation on informing the insuree in the insurance contracts published on 28/10/2007 in order to give general information about the rights, obligations, the subject matter of the contract, its operation and some important changes and developments, both during the negotiation of the insurance contract and during the continuation of the insurance contract.

1. INFORMATION ABOUT THE INSURER

1.The insurance agent who mediated the contract;

Trade name :

Address:

Tel & Fax no. :

2.The insurer providing the guarantee;

Trade Name: TÜRKİYE SİGORTA A.Ş.

Address: Büyükdere Cad. No: 110 Esentepe ŞİŞLİ / İSTANBUL

Tel & Fax number 0 850 202 20 20- (212) 3556464

1. WARNINGS

1.For more detailed information about insurance, please carefully review the general terms of Health Insurance and the specific terms of the policy to be issued by the insurer upon request.

2.In accordance with article 1431 of the Turkish Commercial Code, the liability of the insurer shall not begin unless the policy premium is paid. In accordance with article 1434 of the Turkish Commercial Code, the insurer shall terminate the insurance contract if the down payment of the policy is not paid. In the event that one of the installments is not paid in due time, the insuree is obliged to pay the premium debt within 10 days at the latest as of the date of notification made by the insurer. Otherwise, the policy will be terminated and the claims will not be met after the cancellation date.

4. After the contract is made, if the issues that may affect the risk change, the situation must be reported to the insurance company within eight days in accordance with Article 7 of the General Conditions of Health Insurance.
5. This insurance contract includes extra room accommodation in hotels which have Safe Tourism Certificate and where foreigners travelling from abroad to the Republic of Turkey stay within the borders of the Republic of Turkey, after all public pandemic hospitals report keeping them under surveillance at the hotel where they stay due to Covid-19 disease.

The certified hotels guarantee that they take all measures against the pandemic in all the segments they offer. Businesses with Safe Tourism Certificate were stated at https://tga.gov.tr/search-hotel-category.  Our Ministry of Tourism has mandated that all accommodation facilities with 50 rooms and above receive “Safe Tourism” certificate with its latest regulation.  Accommodation companies that are obliged to receive certificates will not be able to operate without certificates.

This policy is valid as of the beginning of the foreign tourist accommodation, provided that they stay in Safe Tourism certified hotels and any of the COVID-19 Tourist Protection insurances have been purchased.

The maximum compensation period to be paid during the policy shall be limited to 15 days and the total amount to be paid shall be limited to 15 days multiplied by the daily daily hotel accommodation fee for one person. Our product is arranged on the basis of compensation and the daily amount of compensation specified in the scope of the guarantee is paid to the insuree.

COVID-19 Accommodation Support Insurance Package is only valid for the 0-65 age range.

The information written on the policy is essential. The insurance coverage is valid only for the persons mentioned in the policy, and other persons may not benefit from the coverage.

1. GENERAL INFORMATION

1.POLICY VALIDITY PERIOD  , GUARANTEES and PREMIUMS

The insurance coverage starts with a accommodation at the hotel and ends with the end date of the accommodation. In case the insuree stays in quarantine within the period of accommodation is documented, the maximum amount of compensation will be paid even if the accommodation in the hotel is over. In a 7-day tour, if a surveillance decision is made on the 5th day,  13 days of compensation will be paid in case of an extra stay at the hotel for 15 days.

Premiums will be collected in advance by converting them to TL at the effective selling exchange rate of the central bank at the date of issue of the policy.

GUARANTEES

2.The guarantee is valid in case of a definitive diagnosis of Covid-19 within the insurance period and within the borders of Turkey.

3.The insurer may request medical examinations to assess the health risk of the insuree.

4.The insurance company has the right to request information and registration copies about the health background of the insuree from all doctors, health institutions and third parties who treated the insuree before and after the insurance period. Under the insuree's goodwill rules, if he does not agree to fulfill this, the insurer may go out of its way to not pay the compensation or cancel the agreement.

5. I give consent for my personal health data, insurance records and information and records about my health status to be shared with public authorities and cents, the nature of contracts with third parties and organizations should, service providers, who are resident in Turkey or abroad with companies, if needed, to be collected, processed, updated, periodically checked, to be kept in the database, processed and stored and obtained from the Insurance Information and Surveillance Center (SBGM), Social Security Institution, Ministry of Health, health institutions and organizations, existing and/or other health insurance companies, physicians and/or all public and private institutions and organizations determined by the relevant legislation and third parties in order to submit a health insurance offer, to make a health risk assessment, to fulfill the obligations under the insurance policy and to finalize compensation applications as the insured/insurant.

6.In addition to the general conditions of insurance, the parties have the right to make a special condition not to be contrary to the law, morality and not to the detriment of the insuree.

7. The maximum policy period for this product is limited to 15 days.
8. In order to reach you more easily when your identity, address, telephone and similar information is changed in our system, please report to bilgi@turkiyesigorta.com.tr or to our fax number (0212) 355 6464.

9.The special and general conditions of health insurance can be accessed at www.turkiyesigorta.com.tr.

1. EXCEPTIONS

This policy is a type of policy that covers hotel accommodation costs only if those who come to our country from abroad stay in the hotel extra due to Covid 19. Besides this scope, the insuree's medical expenses outside of Covid 19 within the borders of the Republic of Turkey are not covered.

The guarantee is valid in case of a definitive diagnosis of Covid-19 within the insurance period and within the borders of Turkey.

The policies taken after the date of entrance to Turkey shall not be valid.

1. MAKING COMPENSATION PAYMENTS

The reports to be given by the Public Pandemic Hospitals of the Republic of Turkey and quarantine documents for staying at the hotel - Passport Photocopy - Hotel Accommodation Documents and Hotel Accommodation Receipt are required.

During compensation payment, it shall be converted into TL over the Effective Selling Exchange Rate of Central Bank on the date of quarantine start received by the Hospital and deposited into the account of insured. (Bank costs to be born within the scope of Transfer /EFT shall be covered by the insured).

1. OTHER INFORMATION

The insurer is a member of the arbitration system.

The Insurance Arbitration Commission was established within the framework of Article 30 of Law No. 5684 for the settlement of disputes arising from insurance contracts between insurance providers or individuals benefiting from insurance contracts and insurance organizations that are members of the Insurance Arbitration System.

1. COMPLAINTS AND REQUESTS FOR INFORMATION
2. 1. All information requests and complaints related to insurance can be applied to the following addresses and phones.
3. The insuree has agreed that all information and communication regarding the insurance shall be made on the contact information ( including SMS sending ) he / she declared when the policy was issued.

3.If your policy or rejection letter does not reach you within 30 days of the application date, you can contact our customer service department at 0 850 202 20 20

I declare that I have filled out the insurance terms set out in this offer and disclosure form.

Title / Stamp /Signature of The Insuree

1. SUBJECT AND SCOPE OF INSURANCE

This insurance contract undertakes to fulfill the organization and coordination within the scope with the written payment limits and rates in the policy and the applications in its annex of expenses covered by Travel Insurance occurred during the travels of foreign national insurance holders to the Republic of Turkey who reside outside the borders of the Republic of Turkey.

It is essential to call assistance operators at 0212 371 07 33 in travel products, assistance services and emergency situations.

For people aged 65 and over, disease-related expenses are not covered, and only accidental expenses are covered within the framework of the special and general conditions of the policy.

• 50% additional premium for people aged between the ages of 65-70
• 100% additional premium for people aged between the ages of 71-75
• 300% additional premium for people aged between the ages of 76-80

People aged 81 and over are not covered by insurance.

The information written on the policy is essential. Insurance coverage is valid only for the persons specified in the policy, and other people cannot benefit from the coverage.

The person who will benefit from the insurance under travel insurance must be located outside the borders of Turkey at the time of the policy, otherwise, the policy will be invalid.

If two or more travel policies containing the same guarantees are purchased, they are evaluated within the limits and rates of the policy with a high limit.

1. DEFINITIONS

The words, definitions, phrases and abbreviations used in the text of this Insurance Contract have the meanings specified in their equivalents. (The definitions below are general definitions and the policy scope is limited to the coverage specified on the policy.)

Emergency:

These are situations that occur as a result of a sudden illness, accident or injury that are not covered and endanger the life of the insured in cases where it is not intervened within 24 hours at the emergency service of the hospital. Cases that may occur other than those listed below by reference to the World Health Organization and the "Health Service Tariff" are not considered in the definition of "Emergency". (Treatments after the patient's condition stabilizes are not within the scope of emergency.)

Acute Abdominal,

Acute Hypertensive Attack,

Acute Massive Hemorrhages,

Acute Myocardial Infarction (Heart Attack) and severe rhythm disorders,

Asthma Crisis and Acute Respiratory Failure,

Severe allergy, anaphylactic shock,

Freezing,

Electric shock,

Eye injuries,

Meningitis, Encephalitis, Brain Abscess

Renal Colic,

Heat / Sun stroke,

Drowning In Water,

Any condition that causes loss of consciousness,

Traffic accident,

Fracture-dislocation and limb ruptures caused by trauma,

2nd and 3rd Degree Burn,

High fever (over 39.5)

Oral ingestion of substances that have impaired vital functions at the time of the incident or have a high probability of impairing in the future, poisoning caused by contact of chemical substances with the skin or inhalation of toxic gases (Chemical substance and Food poisoning).

Diabetic-uremic coma

Sudden strokes

Policy:

It is a document signed by the insurer and given to the insured/insurant, showing the rights and obligations of the insured and the insurer arising from the insurance contract.

Health Institution:

These are private or public outpatient/inpatient services licensed and regularly checked by the competent authorities of the relevant country.

Diseases Existing Before Insurance Commencement:

Even if it has never been treated, these are chronic diseases, known or unknown to the insured, and/or acute diseases that develop on a chronic basis and their complications, which require surgery or medical consultancy and/or are ongoing health issues that exist at the time of application and/or the start date of the insurance. 

Travel Health Insurance General Conditions:

These are the  General Conditions of Travel Health Insurance determined by the Republic of Turkey's Prime Ministry Undersecretariat of Treasury.

Company:

Türkiye Sigorta A.Ş.

Disease:

It is the deterioration in the physical or mental functions of the insured that will require medical intervention or medical investigation.

Chronic Disease:

It is a disease that tends to progress slowly from the beginning, which recurs periodically or causes continuous health problems.

Accident:

It is the exposure of the insured to a material malfunction against the will of the insured due to the effect of a sudden and external event within the insurance period provided that they are covered by the insurance. It is a sudden event that causes bodily injury or illnesses that can be proven by medical examinations that occur due to an external factor beyond the control of the insured.

Injury:

It is a health problem that caused by sudden and external effects such as an accident and requires medical research or treatment from a health institution or physician.

Assistant Company:

This company may transfer the services related to the guarantees included in the overseas travel health insurance to the assistant persons/companies by the insurer through service purchase contracts when necessary.

Permanent Residence:

The address of the insured person's residence in Turkey specified in the policy.

Doctor / Medical Doctor:

A person who has been officially awarded the medical doctor title / certificate within the framework of the laws valid in the Geographical Area where the health service is provided and / or is allowed to perform their profession within the borders of the Republic of Turkey by law.  Under these special conditions, the phrase Medical Doctor will be referred as DOCTOR.

Exemption:

This amount is the expenditure amount written in the policy that is not covered by the coverage/service provided by the insurance company and/or which the insured must participate for each incident.

Insured:

It is the person whose name is specified in the current insurance policy issued by the insurer and is covered by the insurance.

Insurant:

It is the real or legal person who is a party to the insurance contract with the insurer and owns the liabilities arising from insurance such as the payment of insurance premiums.

Family Relatives:

Father, mother, child, wife, brother, sister.

1. GEOGRAPHICAL SCOPE

This insurance contract, excluding Iran and North Korea countries in any case, ends in terms of the following:

• Travel Health Insurance policies within the borders of the Republic of Turkey,

The coverage begins when it is detected with a passport that our country has entered the borders within the term of the policy and ends with the exit from customs.

1. POLICY VALIDITY PERIOD

The validity period of the insurance, including the policy start and end dates specified on the policy,

• The validity period of the insurance begins when it is detected with a passport that the entrance to the borders of our country for travels to the Republic of Turkey is detected and ends when it is detected with a passport that the exit from the borders of our country is detected.

1. GUARANTEES

1. Medical Treatment Coverage Regarding Sudden Diseases and Illnesses

In the event that the insured suddenly becomes ill or injured during the travel within the coverage zone specified in the policy purchased, hospital, surgery and treatment costs are covered within the limits specified in the policy. The drugs used to stabilize the patient are covered, and the drug expenses to be taken with a prescription after discharge are not covered. Pre-existing and chronic diseases are not covered.

 In Travel Health policies, the insured can go to the nearest emergency medical center in order to get the approval of Türkiye Sigorta A.Ş and/or Assistant Company in case of failing to reach Türkiye Sigorta A.Ş and/or Assistant Company.  In this case, the insured is required to inform the information and status of the services he get as soon as possible. In case the insured does not report the service he gets, he is obliged to submit the original document showing the incident, the receipt-invoice, the result of the examination and a photocopy of the passport showing the entry-exit dates to the country, and all additional documents requested by the company.

Acute dental treatment expenses are 100 Euro in Standard Europe - Travel Health policies; and it is evaluated within the scope of Medical Treatment Coverage for Sudden Illnesses and diseases.

1. Travel or Transfer of the Insured to the Nearest Health Institution Where Treatment Can Be Provided

In case the insured suddenly becomes ill or injured within the scope of this policy, the transportation of the insured to the nearest health institution and/or center by the most appropriate transportation vehicle or from one health institution to another is covered by the coverage within the limits and payment rates specified in the policy.

The transfer of the patient from one medical center to another will be provided only if the medical center where the patient went first does not have the necessary equipment and medical team for the treatment to be performed. A medical report to be issued by the medical doctor is required for the transplant.

The Assistant Company's Medical Team and the treating physician will determine whether the health status of the insured is suitable to fly like a normal passenger or whether additional arrangements are necessary and the means of transport suitable for Bodily Harm or illness (scheduled flight, stretcher flight, air ambulance, etc.) in accordance with the written report of the doctor.

Only Türkiye Sigorta A.Ş and/or the medical team of the Assistant Company may decide on the air ambulance service and transport by air ambulance are only covered in the European continent for international Travel Health policies. 

Transport by air ambulance is not covered under this contract.

1. Transfer of the Insured to Residence Address after Discharge

In the event that the insured is discharged after the end of the treatment requiring an inpatient operation in a medical center due to an illness or injury covered by this policy, due to the decision by the doctor treating the insured that the insured cannot continue the journey and cannot use the means of transport used by the insured for the original travel to return to the residence address and if this situation is medically documented, within the limits specified in the policy, the transportation to the residence address by the scheduled vehicle type (plane, bus) is within the scope. One-way economy class flight tickets are covered by using the existing ticket if required.

1. Funeral Transfer of the Deceased Insured

In the event that the insured dies suddenly as a result of sickness or injury within the scope of this policy, the transfer of the corpse to the residence address is covered by the coverage within the limits specified in the policy.

In Overseas Travel Health Policies, coffin required for international medical conditions with burial rather than outside the borders of the Republic of Turkey for the transportation is covered within the limit specified in the policy. 

Funeral, morgue and burial costs are not covered in all Travel Health policies.

1. Loss or Damage of Luggage

If this coverage is included in the policy, and if the checked baggage is lost, stolen, or damaged on scheduled flights, if it is not found within the period specified by the Airline Company (minimum 21 days), it is covered by the coverage within the limits specified in the policy, with the condition of the airline's loss, damage or theft report. 

If a payment has been made to the insured in line with the compensation amount to be paid by the company, the compensation amount paid by the responsible airline company and the delayed baggage item, this amount will be determined by deducting the sum of the damage from the damage amount reported by the insured.

The insured is obliged to present the list of baggage contents, estimated price and date of purchase, and the indemnity payment document received from the airline company.

Baggage containing insufficient packaging, lacking labels, broken or spoiled products, baggage loss and damages that may occur during travels outside the airline, loss and damage to luggage that have not been checked-in during travel by air, and money, jewelry, credit cards, cash, mobile phones, cameras, laptops, cameras, travel checks, cash receipts, special documents, stamps and similar items are not covered by the coverage.

1. Drug Delivery Organization

In case this coverage is included in the policy, Türkiye Sigorta A.Ş and/or assistant company will organize the dispatch of medicines to the insured, which are urgently prescribed to the insured by the doctor concerned and cannot be found in the place where the insured is traveling.  Drug costs will be borne by the insured and shipping costs will be covered by Türkiye Sigorta A.Ş within the limits stated in the policy.

1. Travel of a Family Member for Treatment of Insured

If this coverage is included in the policy and when the insured is required to stay in the hospital for more than 5 days in case of illness or injury due to the reasons covered by the policy, travel of a family member determined by the insured to the location of the hospital is organized and economy class scheduled flight costs are covered.

1. Accommodation of a Family Member for the Treatment of the Insured

In case this coverage is included in the policy, in a situation where the insured is required to stay in the hospital for a period of more than 5 days due to the need for medical treatment as a result of emergency illness or injury covered by the policy, the presence of a family member determined by the insured as a companion in the hospital or staying in a 4 * / 3 * hotel (limited to a maximum of 4 consecutive days) is covered within the limits specified in the policy.

The mentioned expenses are limited to the accompanying person at the hospital within the limits specified in the policy, the night attendant fee (excluding extras), and the standard room and breakfast fee (excluding extras) for 4 * / 3 * hotel accommodation.

The hotel where the accommodation will be made is determined by the Assistant Company.

1. Forwarding Urgent Messages

In case this coverage is included in the policy, at the request of the insured, Türkiye Sigorta A.Ş will ensure that urgent or necessary messages regarding the matters covered by all the above articles are delivered.

1. Medical Consulting

If this coverage is included in the policy, the Assistant Company informs about the health problem faced by the Insured. All costs related to this coverage will be borne by the insured.

1. Delay Due To Overbooking

1. INSURED LIABILITY

1. In case of any claim, the Company's liability is subject to the condition that the insured claiming compensation or benefits complies with the terms of this Policy.

1. For the claim under this Policy, the insured;

• Takes all reasonable precautions to minimize the damage.
• Notifies the Company and/or Assistant Person / Company as soon as possible on the Travel Health Policies. In case the company cannot be reached in order to obtain the approval of the company, the insured may go to the nearest emergency health institution and/or center. In this case, the Insured delivers the information regarding the services he get and their status to the Company. The insured is obliged to present the original documents and receipts showing the incident to the Company.
• It provides all necessary information and documents (hospital report, prescriptions, medical examination reports, receipts, invoices, etc.) to provide the Company with full service.

1. The insured is nevertheless obliged to make a claim under the Social Insurance System in the Country of Permanent Residence or, if applicable, according to the special systems replacing these organizations or institutions and is obliged to repay the amounts entitled under this coverage to the Company.

1. In case of illness or injury, the insured shall exempt the doctors from the obligation to keep patient information confidential and shall authorize the company to provide all evidence and information. If necessary, the insured will be guaranteed free access to all medical documentation, including medical information prior to illness or injury, to the company's doctors.

1. The company's doctors must be able to examine the insured freely. If this is rejected by the insured, the Company will not be responsible for organizing the service and covering the costs.

1. GENERAL EXCEPTIONS

1. The Company will not be liable for any assistance after the end of the Policy period. If the illness or injury occurs during travel abroad within the policy period, the benefits provided will continue until the expiry of the policy period or until the insured's entry through the customs gate of the Permanent Residence Country (whichever is earlier) and the expenses incurred will not exceed the maximum coverage amount.
2. Business trips of persons who work manually, physically and continuously with machines will not be covered. Travels for touristic and educational purposes that people working in this way without operating in business matters will be covered by the coverage.
3. Those who work with intellectual and manual work in the work areas of the occupational groups listed in Article 2 and in areas deemed dangerous will be excluded from the coverage.
4. Policies cannot be issued to persons working as drivers in transport companies.
5. Türkiye Sigorta A.Ş will not be liable to provide services in any way, directly or indirectly, in cases that may occur in the following situations.

• Fraudulent and deliberate acts of the Insured or First Degree Family Member or any other person making a claim under this Policy,
• Any material / physical damage that may occur directly or indirectly during the provision of any service covered by this policy and not covered by the policy,
• Damages resulting from extraordinary events such as floods, earthquakes, volcanic eruptions, storms, lightning and meteor strikes,
• Terrorism, rebellion and uprisings,
• Operations of the armed forces or security forces or organizations,
• Events resulting from nuclear radio-activity, acute and chronic radiation diseases and complications,
• Luggage containing products that are not packed, do not have a label, that are broken or deteriorated,
• Diseases, or pathological conditions caused by the voluntary consumption of alcohol, drugs, toxic substances, drugs or medicinal products taken except for medical prescription,
• Congenital diseases (diseases that occur during pregnancy or caused by genetic factors),
• Conditions arising from pregnancy or delivery or their complications or termination of pregnancy voluntarily, (Provided that the insured pregnant woman is less than 38 years old and the 30th week of pregnancy has not been completed, medical measures to be taken directly to save the life of the mother and/or child as a result of an acute complication during pregnancy are covered), menstrual disorders, contraception practices,
• Rehabilitation treatments and physiotherapy, alternative and complementary medicine treatments (massage, homeopathy, acupuncture etc.)
• All kinds of aesthetic treatment, cosmetic applications and related disorders,
• Diseases requiring treatment or dentist assistance before the insurance date (This exception will not apply if the medical assistance is related to life saving, acute pain or compulsory medical intervention to prevent prolonged disability),
• Non-acute dental treatments (Regardless of whether they are acute or not, all dental expenses are excluded in Domestic Travel Health Policies),
• Prostheses, contact lenses, orthopedic materials or orthoses and bone joining materials, glasses, artificial organs,
• Providing additional comfort such as TV set, telephone, air conditioning, hairdresser, massage, beautician in the hospital,
• Treatment of a disease other than the disease that caused hospitalization,
• Travels for medical treatment,
• Medical counseling and treatment not related to illness or accident,
• The fact that this travel is prohibited by a qualified physician for medical reasons,
• Protective vaccines, prophylactic treatments and applications,
• Treatments applied by people other than physicians,
• Medical transport or repatriation due to an illness or accident that can be treated on site,
• Mental illnesses and injuries, physical illnesses, suicide and attempts,
• All diseases existing at the time of application and/or dating back to the insurance start date, even if they have never been treated, incurred costs of acute illness episodes and complications that develop on the chronic ground (including death due to illness, repatriation of the body and burial expenses for this reason),
• Chronic diseases and some special diseases (Sexually transmitted diseases, HIV infection, all kinds of malign diseases, TB, sarcoidosis, multiple sclerosis, epidemic diseases)
• Recurrence and complications of operations and treatments applied in the pre-insurance period,
• Examinations and treatments not related to a specific disease (screening tests, vaccination, control tests, viral markers, porter tests, etc.), check-up expenses and annual control mammographies, smear and PSA tests, etc. routine screenings,
• All alternative treatments and all kinds of expenses for cosmetic purposes (acupuncture, mesotherapy, magnetotherapy, neural therapy, chiropractic, anti aging, reiki, ayurveda etc.),
• Expenses arising from incorrect treatment from doctors and health institutions and complications resulting from surgery,
• Non-pharmaceutical supportive products, herbal medicines, food supplements that are used to meet the daily needs of the body and / or to protect and support general health, all medicinal substances that do not have WHO approval,
• Exercising the following sports: racing or motorcycle racing of any kind, hunting activities, scuba diving, sailing in international waters with sea vehicles not designed for public passenger transport, riding, mountaineering, shooting drills, boxing, wrestling sports of any kind, martial arts, parachuting, hot air ballooning, free fall, paragliding, and any sports or recreational activity known to be generally dangerous.
• Situations that occur as a result of the insured's participation in races, sports activities and preparation or training tests,
• Participating in races or tournaments organized by sports federations or similar organizations,
• Skiing, unless a surplus is paid,
• Aviating an aircraft and helicopters that are not authorized to carry passengers as a passenger or crew, motorcycle use,
• Injuries and illnesses caused by criminal acts or participating in a crime, bets,
• Rescue of people in mountains, sea, desert, canyon and caves,
• Physical injuries that the insured may suffer as a result of driving a vehicle without a driver's license or transferring it to a person without a driver's license,
• Loss or damage to baggage that has not been "checked-in" or has not been issued a baggage claim receipt and occurred outside of scheduled flight travels,
• Private nurse expenses,
• For people aged 65 and older, whether sudden or not, disease states are people aged 81 and over.

6. Only Türkiye Sigorta A.Ş and/or the medical team of the Assistant Company may decide on the air ambulance service and transport by air ambulance are only covered in the European continent for international Travel Health policies. Transport by air ambulance outside the European Continent and in Domestic Travel Health policies is not covered.
7. Türkiye Sigorta A.Ş will not be responsible for the following charges,
   • Unless Türkiye Sigorta A.Ş and/or Assistant Company does not give authorization in Travel Health Policies, any assistance activities and costs arranged by or on behalf of the insured. (In case the Company cannot be reached in order to obtain the approval of the Company, the Insured may go to the nearest emergency medical center. The insured is obliged to present the original documents and receipts showing the incident to the Company. If the insured does not act within the framework of the general conditions and exceptions, any expenses incurred for the emergency will not be reimbursed.)
   • Out of the geographical limits of the policy, the expenses incurred after the trip ends and after returning to the Insured Permanent Residence Country, to be valid for Overseas Travel Insurance,
8. If the necessary documents are not given for the guarantees that require report / document,
9. Demands arising from all kinds of defects, inadequacies and responsibilities of hotels and accommodation facilities of individuals and businesses providing transportation services, all kinds of entertainment places such as restaurants, cafes, bars, night clubs, amusement parks and similar entertainment centers, sports facilities,
10. All kinds of claims and payments that may occur due to the savings to be made by the public authority,

1. COMPENSATION PAYMENTS

Invoices for health expenditures are calculated in Turkish Lira  over the Turkish Central Bank Effective Sales Rate on the invoice date (if the currency of the relevant country  does not have a Turkish Central Bank equivalent, in Turkish Lira over the US currency equivalent cross rate) and paid within the limit and payment percentage specified in the policy.

Expenses other than health expenditures but covered by the policy are calculated in Turkish Lira   over the Effective Sales Rate of the Republic of Turkey Central Bank on the invoice date,  provided that the relevant documents are submitted (in case the relevant country currency does not have a Turkish Central Bank equivalent, it is in Turkish Lira over the US currency equivalent cross rate) are covered within the limit and payment percentage specified in the policy.

1. POLICY CANCELLATION

In case the insured requests cancellation at least 48 hours before the policy commencement date due to the non-realization of their travel;

• In the event of the death of the children, spouse, parents and siblings of the insured, provided that it is documented in writing by the doctor.
• If the insured is called as a witness from the court, the policy premium is refunded, provided that the copy of the call is submitted to the company and that the call date is after the date of purchase of the travel policy.

The policy cannot be transferred to another person.

1. RIGHT OF RECOURSE

In the event that the insurer makes a payment contrary to the special and general terms of the policy due to the wrong and / or incomplete information of the insured or the doctor, he collects these payments by recourse to the insured. The fact that the insurer made a payment for any reason that is not covered by the policy coverage cannot be considered as an acquired right by the insured.

1. INFORMATION

Türkiye Sigorta A.Ş is authorized to provide and share information and/or documents by making examinations before all health institutions and organizations, other insurance companies and Public Institutions and Organizations,   TR Prime Ministry Undersecretariat of Treasury, Health Insurance Information and Monitoring Center (SBGM), Turkey Insurance Association (Turkey Insurance, Reinsurance, and Pension Companies Association) within the framework of the relevant legal regulations including insurance legislation, insurance regulations, health legislation.

Before the end of the contract period, the insurer informs the insurant about the contract expiry date and the renewal, as well as the insurant / insured regarding whether the contract is renewed, and if there is a renewal guarantee on the product, he informs the insured in writing or electronically. While performing this notification, the insurer bases on the current contact information in the company records.

However, in the event that at least one of these contact information is changed or is transmitted incompletely / incorrectly, the insurer is deemed to have fulfilled its obligation to inform, unless the insurer immediately notifies the insurer in writing.

In addition to the address information in order to provide information, at least one of the family members insured in the relevant policy and one of the insured's mobile phone or e-mail address must be sent to the Insurer.

In cases where there is a lack of contact information of family members, the person whose information is complete in the policy is notified and the notification is deemed to have been made to other family members in the policy.

1. INFORMATION SHARING AND INFORMATION SUPPLY

Türkiye Sigorta A.Ş is authorized to provide and share information and/or documents by making examinations before all health institutions and organizations, other insurance companies and Public Institutions and Organizations, TR Prime Ministry Undersecretariat of Treasury, Health Insurance Information and Monitoring Center (SBGM), Turkey Insurance Association (Turkey Insurance, Reinsurance, and Pension Companies Association) within the framework of the relevant legal regulations including insurance legislation, insurance regulations, health legislation.

1. CONSENT STATEMENT

As the insured/insurant within the scope of the health insurance contract to be made with your company, in order to submit a health insurance offer, to make a health risk assessment, to fulfill the obligations under the insurance policy, and to finalize compensation applications, I give consent for my personal health data, insurance records, and information and records about my health status to be acquired, collected, processed, updated, periodically checked, kept in the database, processed and stored by the Insurance Information and Surveillance Center (SBGM), Social Security Institution, Ministry of Health, health institutions and organizations, existing and/or other health insurance companies, physicians and/or all public and private institutions and organizations determined by the relevant legislation and third parties and if needed, to be shared with relevant public institutions and organizations, people and organizations with 3rd contract, the service provider companies who are resident in Turkey or abroad due to the nature of the contract and the retention, storage and processing of my personal data by them.