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What is a Policy of Insurance?

When you're looking at insurance policies, it's important to understand what you are purchasing. The best way to do this is to read over the policy of insurance.

The policy of insurance lays out all the policy details you need to know and is the guide for what is covered and not covered under your policy. Because of all the information included, this document can get pretty long, so knowing what to read first and where to look can really help.

Important Parts of a Policy of Insurance

Schedule of Benefits

This section will list out the base policy benefits on your policy as well as the maximum amount of coverage available for each benefit. This is a great place to start when looking at a policy because it will tell you at a glance if the policy may have the coverage you are looking for.

Effective and Termination Dates

The start and end dates of your coverage are outlined in this section.

Definitions

The definition section of the policy of insurance outlines the meaning of these terms (and more) according to what they mean in relation to your health tourism complication assurance insurance policy.
When you're reading the policy of insurance for a Healthcare Tourism Complication Assurance Insurance policy, words that are capitalized, bolded or italicized are terms that have specific definitions within the definition section.

Benefits

This is the section of the policy of insurance you're probably most interested in. Most likely your main question is: what am I covered for? This section gives more insight to the base policy benefits. It lets you know what each benefit means, what you can claim for under that benefits, if there are any time frames you should be aware of and what events or losses we cover.

Exclusions

Also, it's important that you know what is not covered, as well. The general exclusions section will list the types of losses that are not covered under the policy. General exclusions are exclusions that pertain to all the benefits on the policy. If there are specific exclusions that only apply to one type of benefit, you would find those within that benefits section as well.

Payment of Claims

This section of your policy of insurance can be really helpful. If you need to file a claim with us, this section details what documentation is required. It will also tell you how and where to submit your documentation.

One of the most important features that distinguishes ComplicationInsure from other insurances is that when you need to use your policy, we manage the whole process for you, together with the healthcare provider from which you received your first treatment.
You don't have to deal with complex and difficult insurance procedures. 
As we always say, focus on one thing only. 
Get well

You'll receive a policy of insurance when you purchase a healthcare tourism complicaiton assurance insurance plan, but if you'd like to review it beforehand, you can access our  full library of documents.

If you have questions at any step along the way, we're here to help you sort it through. Our representatives are happy to help answer any questions you have!

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Akredite Kurum Ne Deme​k?

​Türkiye Cumhuriyeti Sağlık Bakanlığından; Uluslararası Sağlık Turizmi ilkeleri doğrultusunda hizmet garantisi sağladığına dair onay almış ve verdiği hizmetin standartlar düzeyinde devam ettirip ettirmediğinin düzenli olarak kontrol edildiği onaylı kurum demektir.
Hizmet alacağınız kurum akradite değil ise;
- Alacağınız hizmet kalitesini denetleyen hiçbir resmi kurum olmadığını göstermektedir.
- Tüm reklam ve satış teknikleri birer aldatmaca üzerine kurulu olabilir.
- Ulusal ve uluslararası hukukta hakkınızı ararken onaylı olmayan bir kurumu tercih ettiğiniz için tüm haklarınızda kayıp yaşayabilirsiniz.

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Inpatient Treatment Coverage

It secures the medical complications that develop after medical applications. Inpatient treatment coverage is valid in the following terms and conditions:
*  Patients should have the Healthcare Tourism Complication Coverage Insurance prior to having primary surgery/operation in Turkey,
* Primary surgery/operation should be undertaken in Turkey by a medical center accredited as “Medical Tourism Institution” by Republic of Turkey Ministry of Health,
* All the required documents and information regarding the primary and secondary surgery/operations as well as complications due to primary surgery/operation should be presented to Insurance Company, additional documents may be requested,
* Repetition surgery/operation should be undertaken in Turkey by a medical center accredited as “Medical Tourism Institution” by Republic of Turkey Ministry of Health in 6 months of time from the policy commencement day,
* Reimbursement will be made to the insured according to coverage limits for the treatments, specified in the each policy.
Any dissatisfaction arising from personal preferences are excluded in plastic surgeries and dental treatments.The complications that are only caused by specified procedures are covered by the insurance, any other complications occurring from another treatment are excluded from the coverage.The expenses related to complications that caused by the covered surgery/operation including revision/repetition surgery and intervention are covered. Rehabilitation/physical therapy expenses, which may or may not be required after the surgery/intervention are excluded from the coverage.Any tests and pharmaceuticals required for the covered medical procedure are also reimbursed under this coverage. Except for the diagnostic procedures required for the treatment of the complication and pre-operation tests, any other diagnostic procedures and tests unrelated to the surgery are excluded from the coverage.  

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Flight Ticket Coverage

In case of treatment of a complication developed as a result of a treatment applied in Turkey or revision of the surgery, the amount of the economy class flight ticket paid by the insured to come to Turkey from his/her country is paid with the limit and exemption specified in the policy. Air ticket coverage limit is different for some plans, check your certificate. Coverage is shown on the certificate and/or policy. The flight ticket guarantee is exempt from 100 EUR and the maximum guarantee amount that can be paid may vary on a plan basis, and the guarantee limit is specified in the certificate and policy.

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