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What is it?
Advantages
Scope of Insurance
Coverage
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Foreign Health Insurance
Foreign Katılım Health Insurance is offered to foreign nationals (non-Turkish citizens) who request a residence permit pursuant to the minimum conditions outlined in the Circular on Health Insurance to be taken out for Visa and Residence Permit Requests dated 10.05.2016 and numbered 16.
Please click here for the brochure of Foreign Health Insurance.
Advantages
- You can also benefit from non-contracted private hospitals.
- You get a tax advantage.
- You are under the assurance of interest-free insurance with Katılım Sağlık.
- You can benefit from unlimited and free land ambulance service.
- You receive 24/7 free Medical Consultancy Service with the assurance of Medline.
Scope of Insurance
- In contracted institutions, inpatient treatment expenses excluding artificial limbs are covered with no annual limit and a 0% contribution, while artificial limb coverage has an annual limit of 20,000 TRY. In non-contracted institutions, inpatient treatment expenses are evaluated with an annual limit of 150,000 TRY (TMA/TTB limit) and a 20% contribution.
- Outpatient treatment expenses are evaluated with an annual limit of 15,000 TRY and a 20% contribution margin in contracted institutions, and an annual limit of 15,000 TRY (TMA/TTB limit) and a 40% contribution margin in non-contracted institutions. Additionally, physical therapy coverage is limited to 15 sessions per year in both contracted and non-contracted institutions.
- The insurance period is 1 year.
- The premium varies by age.
- Foreign nationals between the ages of 0-69 who are permanent residents of the Republic of Turkey can benefit.
- Premium payments are made in cash from Albaraka Türk and Kuveyt Türk Participation Bank accounts or from all credit cards, and up to 9 installments from contracted credit cards.
In Katılım Emeklilik ve Hayat A.Ş., you will receive services in accordance with the Interest-Free Insurance Concept and the principles of Interest-Free Insurance. In all of our products, your funds are used in investment instruments that comply with the principles of interest-free insurance.
Please click here for General Conditions of Health Insurance.
Please click here for Health Insurance Special Conditions.
Coverage
| Coverage Content | Implementation ** | Annual Limit** | Insured Participation Rate (%) ** | Implementation *** | Annual Limit*** | Insured Participation Rate (%) *** |
|---|---|---|---|---|---|---|
| Physician Examination | Annual | 15000 TRY | 20 | Annual | 15.000TRY(TTB*1) | 40 |
| Medication Expenses | Annual | 15000 TRY | 20 | Annual | 15.000TRY(TTB*1) | 40 |
| Imaging Services | Annual | 15000 TRY | 20 | Annual | 15.000TRY(TTB*1) | 40 |
| Laboratory Services | Annual | 15000 TRY | 20 | Annual | 15.000TRY(TTB*1) | 40 |
| Modern Diagnosis Methods | Annual | 15000 TRY | 20 | Annual | 15.000TRY(TTB*1) | 40 |
| Auxiliary Medical Material | Annual | 15000 TRY | 20 | Annual | 15.000TRY(TTB*1) | 40 |
| Physiotherapy Coverage | Annual/ | 15 Sessions | 20 | Annual/ | 15 Sessions | 40 |
| Coverage Content | Implementation** | Annual Limit** | Insured Participation Rate (%)** | Implementation*** | Annual Limit*** | Insured Participation Rate (%)*** |
|---|---|---|---|---|---|---|
| Medical Hospitalization | Annual | Unlimited | 0 | Annual | 150.000TRY(TTB*1) | 20 |
| Surgical Hospitalization | Annual | Unlimited | 0 | Annual | 150.000TRY(TTB*1) | 20 |
| Surgeon | Annual | Unlimited | 0 | Annual | 150.000TRY(TTB*1) | 20 |
| Chemotherapy/Radiotherapy | Annual | Unlimited | 0 | Annual | 150.000TRY(TTB*1) | 20 |
| Dialysis | Annual | Unlimited | 0 | Annual | 150.000TRY(TTB*1) | 20 |
| Small Interventions | Annual | Unlimited | 0 | Annual | 150.000TRY(TTB*1) | 20 |
| Contracted Land Ambulance | Annual | Unlimited | 0 | Annual | 150.000TRY(TTB*1) | 20 |
| Oda/Yemek/Refakat (180 Gün) | Yıllık | Unlimited | 0 | Yıllık | 150.000TL(TTB*1) | 20 |
| Intensive Care (90 Days) | Annual | Unlimited | 0 | Annual | 150.000TRY(TTB*1) | 20 |
| Home Care (45 Days) | Annual | Unlimited | 0 | Annual | 150.000TRY(TTB*1) | 20 |
| Artificial Limb | Annual | 20.000 TRY | 0 | Annual | 150.000TRY(TTB*1) | 20 |
''**'' refers to Contracted Institutions.
''***'' refers to Non-Contracted Institutions.
*Regardless of whether the treatment is performed in the contracted or non-contracted institution, the physician’s fee for the procedures to be performed by the non-contracted physician (non-staff) shall be limited to 1 TMA (as specified in the Turkish Medical Association Minimum Fee Tariff) in any case. TMA: Turkish Medical Association
In an emergency, you are under the protection of Medline. You and your family members covered by your policy can call 444 12 12 in an emergency and take advantage of the 24/7 Land Ambulance w/Physician at no extra charge. Moreover, you can reach Medline physicians on the phone 24/7 and get free health consultations in all cases.
