Trust Your Health To Us Complementary Health Insurance

The Inpatient Treatment coverage includes surgical treatments requiring hospitalization and medical treatments lasting more than 24 hours, intensive care expenses, standard single private room, meals and room and board expenses of one companion, daily chemotherapy, radiotherapy, dialysis treatments and treatment planning, expenses related to control examinations after chemotherapy, radiotherapy and dialysis, and complications thereof, minor interventions on an inpatient basis, coronary angiography and procedures specified in the category of day treatments within the scope of SUT, subject to coverage limit and payment rate.

All surgical supplies that may be required within a policy period shall be paid within the annual limit specified in the policy. 
In order for the procedures included in Inpatient Treatments to be performed at Healthcare Providers in the Network, approval must be obtained from the Provision Center at least 48 hours in advance.

Medical examination, laboratory services, radiology, advanced diagnostic methods (MRI, CT, gastroscopy, colonoscopy, etc.) and physical therapy expenses incurred without hospitalization are covered subject to the limits and payment percentage specified in the policy.

Diagnostic methods and examinations without a doctor's examination are not covered.

In accordance with the rules of SSI, outpatient coverage cannot be used alone, and must be used in conjunction with a medical examination. Within a given policy period, outpatient treatment coverage can be used up to 8 times per year. Outpatient treatment coverage starts with a doctor's examination and the tests required to be performed after the examination (laboratory, radiology, endoscopic procedures, physical therapies, minor outpatient interventions) are considered as one use and deducted from the annual limit. (Since the procedures covered under the minor intervention coverage vary according to the SSI's payment procedure, some variance may arise with classification as outpatient or inpatient treatment).

• Trust Your Health to Us Complementary Health Insurance offers coverage for any medical treatment costs regarding the Insured's preexisting complaints and conditions as of the policy commencement date as well.
• Babies who have completed 15 days from the date of birth and persons under 81 years of age can be insured. Policies of people insured with this product before the 80th year of age can be renewed after the 81st year of age.
• Children older than 15 days but younger than (and including) 17 years of age can be insured on an individual basis, with premium surcharge. No premium surcharge shall apply if the child is insured alongside at least one parent.
• You can also enjoy tax deduction, with the receipt issued in consideration of premium payments.

- "Trust Your Health to Us" Complementary Health Insurance entails 3 distinct Network options, comprising Inpatient + Outpatient (8 visits) care. Inpatient care is covered at a rate of 100%, subject to the special and general terms of the policy. Outpatient care coverage, on the other hand, pays for 8 doctor visits per year, as well as associated costs (Roentgen / Physiotherapy / Analyses / Advanced Diagnosis Methods) under the policy. 

- The Policyholder can pay the policy premium in a lump sum in advance, or in installments. The terms and amounts applicable for payment shall be specified on the policy, with all premium payments being subjected to blocking on the credit card.

- The product cancellations shall be effected in accordance with the terms stipulated in detail in the Special Terms of the Policy, with reference to the length of time to have passed since the policy commencement date, and the total amount of claims paid.
Children older than 15 days but younger than (and including) 17 years of age can be insured on an individual basis, with premium surcharge. No premium surcharge shall apply if the child is insured alongside at least one parent.

There is a 6-month waiting period for all treatment expenses covered by the Inpatient Treatment scheme.

A Vaccination Card will be required for medical expenses claimed under the inpatient treatment coverage for persons diagnosed with Covid-19 (over 18 years of age). In this context, if persons diagnosed with Covid-19 (having been tested positive) have acted in accordance with the vaccination as well as potential treatment recommendations of the World Health Organization, the Ministry of Health and local governments, in the lack of any provision otherwise in their policies, Covid-19-related examination and medical testing and diagnosis expenses (excluding PCR, antibody tests, and card tests) and expenses for procedures requiring hospitalization will be considered within the policy coverage limits and participation rates, provided that they are incurred after the end of the 14 days period to follow policy commencement.

Inpatient treatment expenses of persons who have not acted in accordance with the vaccination and treatment recommendations of the World Health Organization, the Ministry of Health and local governments and who need inpatient treatment with a diagnosis of Covid-19, will not be paid in accordance with the Excluded Conditions provisions.

You can check the list of hospitals in the insurance network by selecting the “Trust Your Health to Us” product on the insurance network page.