Health Insurance - a basic level of general medical treatment

Health Insurance

Legal health insurance in Turkey, as in other countries in Europe, entitles you to a basic level of general medical treatment. Like everywhere else, people will need to pay much more for their health treatment in the future. The same will apply in Turkey as costs increase.

Therefore, many people take out additional insurance as a kind of guarantee for their future. With the additional private health insurance you can decide what amount of protection you want. 
In Turkey, up to the age of 64 every citizen can sign up for private health insurance. However, some companies may not cover pre-existing conditions without a medical report. This is quite usual here as it is everywhere in the world.


Advantages of Health Insurance

Even healthy people need health insurance. Having a health plan helps maintain – and may even improve – the health and wellness of you and your family. And it may help protect you financially in the event of an accident or illness.

Many health insurance plans also offer benefits, resources and tools to help you and your family get and stay healthy.

These may include coverage for annual check-ups and screenings, 24 hour nurse hotlines, discounts on exercise programs and alternative care treatments. Some plans offer online tools to help you estimate the cost of care and manage your claims. Some even offer smart phone apps for people on the go. Review your plan materials and take advantage of the tools and programs offered.

  • You are able to choose the doctor you want. You generally have the option of being treated by your own doctor. 
  • You will get comprehensive medical treatment. You have more control over when and where you will be treated. 
  • In most cases, it means shorter waiting times for elective surgery (compared to the public system)
  • Depending on your level of cover, helps pay for services not covered by Medicare such as ambulance, in addition to a number of non-hospital related services.
  • All regulations are similar to European insurances.

Supplemental Health Insurance

Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover. Some supplemental insurance plans will pay for out-of-pocket medical expenses, such as deductibles, copayments, and coinsurance. Other supplemental plans may provide you with a cash benefit paid out over a period of time or given to you in one lump sum. The cash can be used to cover lost wages, transportation related to your health condition, or used to pay for food, medication, and other unexpected expenses you have due to an illness or injury.

On closer examination, the guaranteed legal insurance does not cover all medical treatment. There are some exclusions, particularly for certain conditions. To fill any gaps, it is usually helpful to discuss this with your insurance company. Most companies will be able to find a suitable solution for you. Again, regulations are similar to Europe.

Property / Casualty Insurance

In insurance terms, property casualty insurance can also be called property liability insurance. Property/casualty is an insurance type which is a broad category of coverage against loss of property, damage or other liabilities. Casualty insurance includes car insurance, liability insurance, business insurance. Casualty insurance mainly protects a person or business against legal liability for losses caused by injury to other people or damage to the property of others. 

About every three seconds there is an accident. Two out of three accidents happen during leisure time. If there is an accident during leisure time, you are normally not insured and this can also lead to some problems. By taking out private casualty insurance you can be covered for this as well. If you take part in risky leisure activities, you should have insurance. But, as with all health insurance, it is up to you.


Life | Outdoors