What the policy pays for
- Doctor's consultations for a sudden illness or accident.
- Hospital stay and surgery when medically necessary.
- Ambulance transport.
- Medicines prescribed for the treatment.
- All of the above up to USD 35,000 in total for the policy period.
Evacuation, repatriation and 24-hour assistance
Beyond the hospital bill, the policy includes emergency medical evacuation and repatriation of remains. Medical evacuation must be approved by the insurer in advance, so the assistance team should be contacted before any transport is arranged.
The 24-hour assistance line, +90 216 681 75 45, is also useful when nothing is medically urgent: it gives medical advice, helps if you lose your passport or luggage and can provide translation when you need to explain your situation.
What is not covered
Your health history: pre-existing and congenital conditions, including flare-ups of a condition you already had before the trip.
Routine and planned care: routine check-ups, laboratory tests, X-rays and vaccinations; treatment a doctor did not find necessary; glasses, lenses and hearing aids; cosmetic surgery.
Specific conditions: pregnancy, birth and fertility treatment; mental and psychological disorders; conditions related to alcohol or drugs; self-inflicted injury.
Activities: dangerous sports such as racing, diving, mountaineering, parachuting, motorcycling and boxing; skiing unless it was added to the policy.
Large-scale events: war, terrorism, natural disasters, nuclear events and epidemics, including COVID-19.
How hospital bills are settled
There are two ways. The hospital can bill the insurer directly: show your passport and insurance certificate on admission and ask the hospital to contact the insurer, or call the assistance line so that they can arrange it.
Alternatively, you pay the hospital yourself and claim afterwards. In that case keep the original invoices, the payment receipts and the medical report describing the diagnosis and treatment, because the claim is assessed on these documents.
When cover starts and where it applies
Cover starts at 00:00 Türkiye time on the start date you choose and ends on the end date. There is no waiting period, so a policy that starts tomorrow covers an accident tomorrow. It does not cover an illness or injury that began before the start date.
The policy is valid only inside Türkiye. If your trip includes another country, you need separate cover for the days you spend there.