HEALTH TOURISM COMPLICATION INSURANCE

Health Tourism Complications Assurance Insurance. After the operation performed by foreign nationals who come to Turkey for health tourism purposes,
it guarantees the cases where revision or renewal
of the operation is required due to complications
that may arise from this operation. Any other complications that may occur during the operation or damages that may arise as a result of malpractice and
interventions and examinations that will be required due to additional diseases of
the insured are not covered. The policy is valid for 6 months from the start date.
This product covers the following complications: •
Dental Complication
• Eye Complication
• Hair Transplantation Complication
• Orthopedics, Gynecology, General Surgery, Aesthetic Complications
Cardiovascular Surgery Complication

Who Can Be Insured?

Age limit; Persons between the ages of 18-75.
The policy is produced with the passport number.

What is its Geographical Coverage?

This policy is valid only on the condition that the treatments for the complications of surgery/intervention and medical treatments performed in
Turkey after the policy start date are made within the borders of the Republic of Turkey.
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GUARANTEE DETAILS

INPATIENT TREATMENT GUARANTEE

The insured is paid for the treatments specified in the policy plans in line with the coverage limits and rates specified in the policy and certificate, within the scope of this coverage,
due to the medical complications that develop after surgery, intervention, medical applications in a health institution with a
Health Tourism Accreditation certificate within the borders of Turkey.
Dissatisfaction arising from personal taste in aesthetic surgeries and dental treatments is not covered by this policy.
The coverage is valid only for the surgery or intervention specified in the policy, and complications arising from a medical treatment or application
other than the relevant policy plan are not covered.
The costs for the treatment of the complication with revision surgery or intervention are covered,
and the rehabilitation and physical therapy expenses that may be required after the operation/intervention are not covered.
The examinations and medicines required for the medical procedure to be performed are also paid within the scope of this coverage. Diagnostic procedures other than the diagnosis and surgery required by the medical intervention and standard pre-op
examinations and drugs not related to surgery are not covered.
Additional examinations and follow-up tests that are planned/required for other health problems not related to surgery,
such as pre-and post-intervention support treatments (such as serum insertion, supportive drug treatments, blood sugar, and blood pressure regulation)
as well as the first surgery and revision surgery are not covered by this policy.

FLIGHT TICKET GUARANTEE

In case of treatment of a complication developed as a result of 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.

ACCOMMODATION GUARANTEE

In case of treatment of a complication developed as a result of treatment applied in Turkey or revision of the surgery,
the accommodation expenses that the insured has to make outside the health institution before and after the treatment in Turkey shall be limited to a maximum daily upper limit of 100 EUR
and the coverage limit specified in the policy or certificate in total.
paid under this guarantee. For accommodation expenses, 200 EUR/2 days in surgical plans and 100 EUR/1-day
accommodation expenses in other plans are within the scope of the exemption. Optional accommodation is not covered in cases where there is
no medical necessity. The accommodation requirement is determined by medical reports.

INTERVENTION GUARANTEE IN OWN COUNTRY

FLIGHT TICKET GUARANTEE In case of treatment of a complication developed as a result of 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. ACCOMMODATION GUARANTEE In case of treatment of a complication developed as a result of treatment applied in Turkey or revision of the surgery, the accommodation expenses that the insured has to make outside the health institution before and after the treatment in Turkey shall be limited to a maximum daily upper limit of 100 EUR and the coverage limit specified in the policy or certificate in total. paid under this guarantee. For accommodation expenses, 200 EUR/2 days in surgical plans and 100 EUR/1-day accommodation expenses in other plans are within the scope of the exemption. Optional accommodation is not covered in cases where there is no medical necessity. The accommodation requirement is determined by medical reports.

INTERVENTION GUARANTEE IN OWN COUNTRY

It can be taken as an optional elective. Minor interventions and medical treatments related to early complications such as discharge at the wound site, infection, etc. related to the medical intervention/surgery that the insured had after returning to their home country, and medical treatments that will not require them to come back, are covered within the limits specified in the policy and certificate. For the insured to be able to compensate for such expenses incurred in his own country, he must send the original medical report and invoice, and the bank account information (swift, IBAN) from which the payment can be made by mail. After the evaluation, the payment for the expenses covered by the guarantee is made to the insured bank account within the guarantee limits. In compensation payments, remittance swift costs are deducted from the coverage limits.

ACCOMPANYING EXPENSES GUARANTEE

It can only be taken as an optional elective in the Surgery and Cardiovascular Surgery plans. Relevant guarantees and limits are not valid for the first attempt/surgery to be performed in Turkey. When the policy coverage comes into effect during the secondary initiative to be applied to the insured, transportation and accommodation expenses for a companion who will come to Turkey with the insured are covered within the scope of reimbursement within the coverage limits and exemption specified in the policy and certificate. Accompanying expenses in the hospital bill that will occur during the stay in the hospital are not covered.

TRAVEL POLICY GUARANTEE

Included in all plans. Health, ambulance, medical consultancy, and funeral expenses specified in the certificate and policy are evaluated within the scope of coverage limits and travel health insurance special conditions.

PLAN DETAILS DENTAL PLAN

Complications that can be paid in the dental plan are the expenses after tooth extraction, surgical tooth extraction, root canal treatment, implant application, prosthetic tooth application, and periodontology applications. Orthodontic treatments are not covered. Problems such as disliking the color or shape of the prosthesis in the application of prosthetic teeth will not be considered complications and no compensation will be paid. Delayed bleeding in surgical tooth extraction, gingival infection, and remaining tooth fragments; In implant applications, complications such as the implant not being fully seated, moving, dislodging, and damaging the jawbone are covered by the coverage.

EYE PLAN

Complications related to refractive surgery such as excimer laser, LASIK surgery, cataract surgery, ptosis surgery, glaucoma surgery, and retinal detachment surgery in the eye plan are covered by the policy. In excimer laser surgeries, flap slippage, keratitis, epithelial walking under the flap, visual impairment of more than 0.75 degrees in the examination performed 60 days after the surgery; In cataract surgery; bleeding, perforation of the eye (perforation), rupture of the lens capsule, loss of transparency of the corneal layer, burns at the incision site, remaining parts of the cataract in the eye, infection, retinal detachment (detachment), edema in the yellow spot, uncomfortable and painful eye, droopy eyelid, glaucoma and/or double vision; visual impairment more than 1 degree in the examination performed 60 days after the operation, posterior capsule opacification; In ptosis surgery; recurrence of droopy eyelids, In retinal detachment surgery, recurrence of detachment, intraocular bleeding, cataract, and glaucoma formation; Complications such as conjunctival rupture, scleral flap damage, vitreous loss, loss of central visual field, decompression retinopathy, infection, bleb leakage, suprachoroidal hemorrhage, and uveitis are covered in glaucoma surgery.

HAIR TRANSPLANT PLAN

In the hair transplantation plan, complications that occur as a result of the insured / patient not following the recommendations of the treating physician (such as hair combing and brushing in the early period, non-compliance with the hair washing procedure, not performing the necessary care after hair transplantation) and the failure of the hair transplantation are excluded from the coverage. Despite all these recommendations being followed, treatments for the hair follicles not to take hold or the development of infection in the hair skin and hair transplantation are covered by the coverage. To pay the compensation request, it must be determined with a doctor’s report that the recommendations after hair transplantation have been followed. In the revision planting, sowing on the number of sowing made in the first attempt is out of the scope of the sowing coverage.

ORTHOPEDICS, GYNECOLOGIST, GENERAL SURGERY, AESTHETIC PLAN

In all surgical procedures, complications written in the information and consent form signed by the patient before the operation are guaranteed. (Except death) In aesthetic surgeries; Revision requests, because the surgery performed does not suit personal taste, will not be met. However, revisions that will occur as a result of unsuccessful surgery (such as nasal tip droop, curvature, nasal septum perforation in rhinoplasty, asymmetry, fall, implant perforation, and capsular contracture in rhinoplasty) are guaranteed. Botox applications are not covered by the policy.

CARDIOVASCULAR SURGERY PLAN

For the insured’s medical treatment, such as restenosis, stent slippage, which developed after an operation/intervention such as peripheral vascular surgery, varicose vein surgery, heart valve replacement, valvuloplasty, coronary artery bypass surgery, coronary stent application, large vessel replacement in a health institution in Turkey. Possible complications mentioned in the literature are covered. Demir Sağlık ve Hayat Sigorta A.Ş. may seek a second opinion from an independent expert, if necessary, in the evaluation of the insured’s claims. Demir Sağlık ve Hayat AŞ is the final decision maker for the payment of complication compensations. In all these cases that require surgical or medical intervention/application, even if there is a companion and if necessary, accommodation and other costs in the health institution of the accompanying person, as well as transportation, and hotel accommodation expenses are not paid. paid within limits.

COMPENSATION PAYMENT APPLICATIONS

Acceptable compensation amount in line with the guarantees held by the insured during the policy period; It is paid from the relevant collateral defined in the certificate, in line with the collateral limit and payment rate. Even if there is more than one complication within the scope of the same plan and the insured has to come to Turkey several times, the total compensation amount that can be paid cannot exceed the total coverage amount written on the policy. There is no provision and pre-approval in this policy. There is no indemnity coverage for death in this policy. The total amount of health expenditure incurred by the insured is paid to the insured’s credit card or bank account at the end of the 10-day review and evaluation period following the submission of the following documents and additional documents that may be required based on the plan. In claims for compensation in all plans, except that additional documents may be requested based on policy plans; an Authorization letter signed by the Insured for the Insurer to receive medical documents.

1- First operation report.

2- Declaration of the insured regarding the complication (when it started, what complaints have arisen…).

3- Medical report describing the treatment for the complication, and surgery report, if any.

4- Originals of invoices showing the health institution, hotel, and transportation expenses.

5- Copies of the stamp page showing the date of entry into Turkey and the first page showing the identity information of the passport are required.