Abroad Travel
Health Insurance

Abroad Travel Health Insurance

When you encounter any unexpected situation during your overseas travels, you will have the assurance you need with Abroad Travel Health Insurance of Katılım Emeklilik.

What does Abroad Travel Health Insurance provide?

It provides protection against health and other risks that they may encounter during journey of the persons, who are travelling abroad for work or holiday purposes by any means of transportation, under the conditions set forth by the policy.

What does Abroad Travel Health Insurance cover?

Medical treatment coverage
Emergency medical discharge and transfer due to injury or serious disease
Funeral transfer
Transfer costs after medical treatments
Extension of accommodation period due to injury or disease
Accommodation of one family member due to injury or treatment of a disease
Loss, damage and theft of the luggage
Cash advance
Delayed luggage (12 hours and more)
Delay due to double booking
Being late due to miss of connecting flight
Cancellation of the tour of the participant (due to mandatory reasons)
Refusal of visa
Information and organization services

Will there be a tax advantage?

If you are a wageworker; you can utilize the entire premium you paid for yourself, your spouse and young children for tax deduction, provided that such amount doesn’t exceed sum of gross annual minimum wage and 15% of monthly gross wage.

If you are a self-employer; you can utilize the entire premium you paid for yourself, your spouse and young children for tax deduction, provided that such amount doesn’t exceed sum of gross annual minimum wage and 15% of annual declared income.

How can I apply?

In order to benefit from Abroad Travel Health Insurance, all you need to do is to apply to nearest branch of Albaraka Türk or Kuveyt Türk Katılım Bankası, or one of the Katılım Emeklilik Agencies throughout the country.

How can I make the payments?

You can pay your participation premiums via your account in Kuveyt Türk Bank or with any of your credit cards.

Frequently Asked Questions

What is Travel Health Insurance?

This is a an insurance product with wide coverage that covers treatments and the problems of the insured person, who is travelling domestically or internationally as the case may be according to the properties of the product, may encounter during the journey.

Which coverage is included in the Travel Health Insurance?

The insurance includes the coverage stated in the policy regarding defraying the emergency treatment costs that you need in case of disease and/or accident, which are defined as emergency by World Health Organization. Moreover, the additional coverage stated in the policy provide assurance for different situations that you may encounter during your travel.

Who can utilize the Travel Health Insurance?

The insured should be between the age range of 18 to 65 (including) in order to utilize this insurance and should be residing in Turkey.
The insured between the age range of 66 to 74 (including) may be insured with 50% additional premium (sur-premium) and the insured between the age range of 75 to 85 (including) may be insured with 150% additional premium (sur-premium). However, medical expenses of the persons who are 66 years old and more are excluded from insurance cover, even if stated in the front page of the insurance policy.
Minor children can only be insured if informed to the insurance company with permission of their parents.

What is the validity term of the Travel Health Insurance?

In accordance with the provisions of Article 2 of General Conditions of Travel Health Insurance; “For international travels; term of the insurance commences at the moment that it is detected that the insured person left borders of our country and ends at the moment that it is detected that the insured person entered from borders of our country. For the travels from overseas; the insurance term commences at the moment that it is detected that the insured person entered from borders of our country, ends at the moment that it is detected that the insured person left borders of our country.”
For domestic travels; commencement and ending dates of the insurance are stated in the insurance policy.

Is there any out of coverage situations in travel health insurance policies like in other health policies?

You can reach General Conditions of Travel Health Insurances, General Exemptions from following link:
https://www.tsb.org.tr/seyahat-saglik-sigortasi.aspx?pageID=516

Can I cancel my Travel Health Insurance any time?

In case the person, who purchased travel health insurance, fails to travel, s/he may cancel the insurance policy and the paid insurance premium can be returned to her/him accordingly, provided that notice was given to the insurance company within maximum 24 hours as of the policy commencement date.

How the medical claims should be made for an inpatient?

For the medical claims that require hospitalization of the insured person; the Assistance company should be called by the insured person through the telephone numbers stated in the policy. All expenses shall be subject to prior approval of the Assistance Company; however, if the insured person is unable to make the notice, this is deemed as exception. In such case, the Assistance Company should be called as soon as possible.

How the Medical and Non-Medical Claims should be made for outpatient treatment?

For medical claims that doesn’t require hospitalization as inpatient such as physician examination, medicine or x-ray etc.; it is required for the insured person to incur such expenses directly and then when s/he returns to the residing country, s/he should make an application for repayment of the same expenses. For non-medical claims; the procedure shall be same with the claims for outpatient treatment.

Is assistance service included in Travel Health Insurance policies? What is the contract information of Assistance Company?

Assistance service is included in all Abroad travel health insurance policies.
Assistance Company: Remed Uluslararası Destek ve Danışmanlık Hizmet Ve Tic. A.Ş. In order to reach the Assistance Company, you can call + 90 212 371 07 27. E-mail: alarm@remed.com.tr
Please kindly prepare your policy number, which will be used as the reference number, during the call.

Which documents are needed for Claims for Treatment Costs?

Copy of the travel ticket
Copy of the ID card
Copy of the pages of the passport that contains identity information, entry and exit stamps of the holder.
The epicrisis/doctor report that contains the complaint, anamnesis/medical history, diagnosis, and the treatment as well as all test results and prescription
Original copies of the invoices of the payments for health institutions and payment receipts of the same
A copy of fully filled claim form

Moreover, if stated in the policy, you can get the necessary documents for Cancellation/Delay/Postpone of the Travel and/or Loss/Delay of Luggage claims from Assistance Company.

For general conditions of Travel Health Insurance, please click here.

SHARIAH CERTIFICATE