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Foreign Health Insurance

 %40 Varan İndirim Avantajı. En ucuz Yabancı Sağlık Sigortası. OFEN'de

YABANCI SAĞLIK SİGORTASI
Foreign Health Insurance
Frequently Asked Question for Foreign Health Insurance

  Yeni ikamet yasası ile birlikte oturum izni veya ikamet tezkeresi için başvuran yabancı uyrukluların genel sağlık sigortası yaptırmaları zorunlu hale getirildi. 11 Nisan 2014 yılında yürürlüğe giren yasa ile birlikte ikamet tezkeresine veya oturma iznine hangi süreyle başvurulduğuna bakılmaksızın 1 yıllık genel sağlık sigortası poliçesinin evraklarla birlikte sunulması gerekiyor.

  Burada en çok karışıklığa sebep olan konu ise yabancı sağlık sigortanın kapsamı. Kimi yerlerde Nefes Sağlık, İlk Yardım, Can Simidi gibi sadece acil durumları kapsayan poliçeler kabul edilirken kimi yerlerde sadece yatarak tedaviyi kapsayan poliçeler kabul edilmekte. Oysa ki sigortanın kapsamı hem yatarak hem ayakta tedaviyi karşılayacak şekilde olması lazımdır. Şu unutulmamalıdır ki yabancılar şubeleri sadece başvuruyu almakla yetkili olup onay makamı Göç İdaresi Başkanlığı olacaktır.


Why should I have the foreign health insurance?   
Foreign citizens who want to get a residence permit in Turkey have to have a foreign health insurance due to the new residence statute. This law went into operation in 11.04.2014 and regardless of the day of application to the residence permit foreign citizens has to present general health insurance for 1 year.   
I am a foreign citizen; do I need a health insurance for work permit?   
Yes, you need to have a health insurance in order to obtain work permit. Otherwise the police headquarters won’t supply the work permit.   
Do I have to obtain health insurance for short-term residence permit?   
You have to obtain health insurance for every kind of residence permit.  
I would receive education in Turkey for 3 years, do I need to obtain residence permit?
 
If you are a student you have to obtain health insurance in every year in order to reside in Turkey. You have to renew it during these 3 years.   
I would only stay in Turkey for 15 days; do I have to obtain health insurance?   
You have to obtain health insurance just in cases for residence permit. That would be helpful to obtain DOMESTIC travel insurance for sudden diseases and accidents during your stay in Turkey. If you have a insurance which is valid for sudden accidents and diseases you would not have to pay any extras at the hospitals.   
What is the duration of the health insurance for the foreign citizens who want to obtain a residence permit?   
Foreign citizens who want to obtain a residence permit have to obtain a health insurance for 1 year.   
Which hospitals are included with my health insurance?   
The conditions, which are written on your insurance policy, would be valid at the contractual health care provider of Sompo Japan Health Insurance Elite (for foreign citizens) in Turkish Republic. Foreign treatment spending is not included. Turkish Republic of Northern Cyprus accepted as abroad.   
How much I have to pay when I go to a negotiable hospital?   
At the negotiable hospitals inpatient treatment is unlimited and ambulatory treatment has limit for 2.000 TL.   
What is included with the inpatient treatment and ambulatory treatment?   
Inpatient treatment included; surgical and internal treatments, intensive care, chemotherapy, radiotherapy, dialysis, small surgical intervention, coronary arteriography. Standard single private room, meals and spending for 1 companion are met with assurance.
Ambulatory treatment included; medical examinations at clinics and health care organizations, prescriptive medications that are given by the doctor, consumables, laboratory testes for diagnosis, all endoscopic treatments, angiography (excluded cardiac and cerebral angiographies), MR angiography, radiographic examinations, nuclear medicine and algology applications, serum, plaster, medical dressing in order to the assurance limit at the insurance policy.   
Do I have to renew my health insurance in every year?   
In order to maintain residence permit you have to renew your health insurance in every year.   
Does sex (male/female) has an effect on the price of the health insurance?   
Prices are same for both sexes. Age range has an effect on the price range of health insurances.   
Do kids have same health insurance provisions with adults?   
Yes, it is same with the adults.   
Can my child take advantage of my foreign health insurance?   
Foreign health insurance is individual. You have to obtain a separate health insurance for your child.   
Can I make use of health insurance for regular vaccines for babies?   
No, it is excluded from the health insurance.   
Do maternity and birth included at the health insurance?   
Maternity, birth and baby expenditures are not included at the health insurance.  
Does my health insurance include physiotherapy?   
During your insurance year it includes inpatient and ambulatory physiotherapy, neurologic diseases, arm-hand-leg amputation, rehab that is for gaining back daily life activities (walking with and with out crutch, eating, drinking, wearing, going to toilet, climbing up stairs) that lost in any kind of surgical intervention, it also includes room, food and spending of the companion if it is inpatient recovery and it is accepted by the insurance company. All these spending would cover due to the limit at your health insurance policy. Rehab that is not included in the intense care would count, as physiotherapy and it would be met by your health insurance and it is limited with 10 sessions.   
Does my foreign health insurance include dental care?   
Teeth, gingiva, jawbones and any kind of examination and treatment in the maxillofacial surgery are excluded. However, if an accident would cause a dental problem; your health insurance would only include the treatment for the damage, which the accident caused. For that you need traffic accident report and judicial report. You need to have the operation in the following 90 days after the accident. This assurance is limited with 1.000 TL.   

Acute abdomen,
Acute massive bleeding,
Sudden paralysis,
Asthma attack and acute breathing problem,
Freezing, cold-stroke,
Electric shock,
Serious eye injury,
Heat stroke,
Serious working accident, break of a body part,
Heart attack, arrhythmia, hypertension (cases before the health insurance are not included),
Breakage at the upper and the lower extremity and at the back bone,
Falling from somewhere and something fall on you (in case of jeopardy of life),
Drowning in water,
Rape,
Car crashes,
Burnt (2nd degree and upper),
Intoxication,
39.5 degree and upper heath,
Sharp and cutting object injury,
Blackout situations (situations that are stated at the health insurance).   
I have a foreign health insurance, what is the assurance for radiotherapy, chemotherapy and dialysis?   
All these treatments are recovered by the limit at your health insurance. This limit is annual. Treatments after the end of the chemotherapy and radiotherapy do not included in this limit.   
Does my health insurance cover the medication cost?   
Medications that given you from your doctor after an ambulatory treatment and medications that are certificated by the Turkish Board of Health are covered with the limit at your health insurance.   
Do I have to pay an assurance only for inpatient treatment or for both inpatient and ambulatory treatment?   
The foreign health insurance that you bought for residence permit includes 2.000 TL ambulatory treatment and unlimited inpatient treatment.
 
Which benefits can be earned with a foreign health insurance?   
Unexpected illness or a sudden accident might cost you a lot of money. Things like laboratory analyses, doctor inspection, and medications are expensive spending and it might be hard to handle it. To avoid these costs you need to have foreign health insurance.   
My husband/wife is Turkish; do I have to obtain a foreign health insurance?   
If your husband/wife has an assurance from social security institution (SGK) you do not have to obtain a foreign health insurance. However if he/she does not have this you need to get a foreign health insurance in order to receive a residence permit in Turkey.   
My fiancée is Turkish; do I have to obtain a foreign health insurance?   
Even your fiancée has an assurance from social security institution you still have to obtain a foreign health insurance in order to receive a residence permit.  
Which foreign nationalities do not have to obtain a general health insurance?   
The ones who has a Turkish citizen wife/husband that has a assurance from social security institution do not have to obtain a health insurance.
Is my foreign health insurance valid at oversea?   
Foreign health insurance is only valid at Turkey, not ay oversea. The ones who want to go oversea could obtain a reduced travel health insurance.   
Which information is needed to apply a foreign health insurance?   
The one who wants this health insurance has to specify his/her height, weight, and current address in Turkey, phone number, passport information and the name of his/her father.   
I prefer to receive my health insurance from your company, how can I pay?   
You can pay with credit card, through money order or with cash.   
Can someone regulate the health insurance for my behalf?   
Yes she/he could hand in your information but at the delivery phase you need to be there in order to sign the documents.   
How can I receive my health insurance?  
You can receive your insurance form our offices or we can send it to you by cargo.


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Yasa gereği Türkiye’de ikamet izni almak için zorunlu kılınmış olan yabancı uyruklular için özel sağlık sigortasını iptal ettirmek mümkündür. Ancak bunun için aşağıdaki koşulların gerçekleşmesi gerekmektedir: - İkamet izin süresini kapsayan yeni bir özel sağlık sigortası sözleşmesinin şirkete ibrazında, - İkamet izninin iptalinde, - 5510 sayılı Sosyal Sigorta ve Genel Sağlık Sigortası Kanunu gereğince Genel Sağlık Sigortası kapsamına dahil olunduğunu gösteren belge bildiriminde ve ayrıca ülkeden çıkış tarihini gösteren gerekli belgelerin sigorta şirketine gönderilmesi gerekmektedir.

Hastane hizmetleri (ameliyat, ameliyathane, anestezi, ilaç, laboratuvar, radyoloji vb.)
Hastanede kalınan süre içerisinde oda, yatak, yemek ve refakatçi masrafları
Kornea, böbrek, pankreas, karaciğer, kalp, akciğer nakli
ESWL, Gama Knife giderleri
Koroner anjiyografi
Yatarak tedavi esnasında yapılan tüm tanı amaçlı biyokimya, mikrobiyoloji, patoloji tetkikleri, radyolojik inceleme ve görüntüleme
Ameliyat sonrası fizik tedavi
Sigortalının günlük yaşam faaliyetlerine yardımcı olan ve sosyal bakımdan destek olunması amacıyla evde yapılan tıbbi bakım hizmetleri
Kemoterapi, radyoterapi, diyaliz
Besin zehirlenmesi, alçı uygulaması, basit yanık tedavileri gibi 24 saatten kısa sureli tıbbi tedaviler (gözlem, müşahede)
Bir kaza veya hastalık sonucunda uzuv kaybı olması halinde suni uzuv giderleri
Yoğun bakım ünitelerindeki tedaviler
Trafik kazası sonucu meydana gelen diş ve burun ile ilgili tedaviler

Doktor muayene
Tanı amaçlı incelemeler
İlaç
Fizik tedavi
Tüm anlaşmalı sağlık kurumlarında yatarak tedavi giderleri limitsiz, anlaşmalı olmayan sağlık kurumlarında ise yıllık 20.000 TL limit ve %20 sigortalı katılım payı ile karşılanmaktadır. Ayakta tedavi giderleri ise yıllık 2.000 TL limit ve %40 sigortalı katılım payı ile karşılanır.

11 Nisan’da yürürlüğe giren yeni yönetmelik; “Yabancılar ve Uluslararası Koruma Kanunu” ile aile ikamet izni ve uzun dönem ikamet izni almak isteyen yabancılara, özel sağlık sigortası zorunlu oldu. Bundan böyle; aile ikamet izni ve uzun dönem ikamet izni almak isteyen yabancı uyruklu vatandaşlar sağlık sigortası bilgilerini de gerekli belgelere eklemek durumunda.

Foreign citizens who want to get a residence permit in Turkey have to have a foreign health insurance due to the new residence statute. This law went into operation in 11.04.2014 and regardless of the day of application to the residence permit foreign citizens has to present general health insurance for 1 year.

I am a foreign citizen; do I need a health insurance for work permit?

Yes, you need to have a health insurance in order to obtain work permit. Otherwise the police headquarters won’t supply the work permit.

Do I have to obtain health insurance for short-term residence permit?

You have to obtain health insurance for every kind of residence permit.

I would receive education in Turkey for 3 years, do I need to obtain residence permit?

If you are a student you have to obtain health insurance in every year in order to reside in Turkey. You have to renew it during these 3 years.

I would only stay in Turkey for 15 days; do I have to obtain health insurance?

You have to obtain health insurance just in cases for residence permit. That would be helpful to obtain DOMESTIC travel insurance for sudden diseases and accidents during your stay in Turkey. If you have a insurance which is valid for sudden accidents and diseases you would not have to pay any extras at the hospitals.

What is the duration of the health insurance for the foreign citizens who want to obtain a residence permit?

Foreign citizens who want to obtain a residence permit have to obtain a health insurance for 1 year.

Which hospitals are included with my health insurance?

The conditions, which are written on your insurance policy, would be valid at the contractual health care provider of Sompo Japan Health Insurance Elite (for foreign citizens) in Turkish Republic. Foreign treatment spending is not included. Turkish Republic of Northern Cyprus accepted as abroad.

How much I have to pay when I go to a negotiable hospital?

At the negotiable hospitals inpatient treatment is unlimited and ambulatory treatment has limit for 2.000 TL.

What is included with the inpatient treatment and ambulatory treatment?
Inpatient treatment included; surgical and internal treatments, intensive care, chemotherapy, radiotherapy, dialysis, small surgical intervention, coronary arteriography. Standard single private room, meals and spending for 1 companion are met with assurance.
Ambulatory treatment included; medical examinations at clinics and health care organizations, prescriptive medications that are given by the doctor, consumables, laboratory testes for diagnosis, all endoscopic treatments, angiography (excluded cardiac and cerebral angiographies), MR angiography, radiographic examinations, nuclear medicine and algology applications, serum, plaster, medical dressing in order to the assurance limit at the insurance policy.

Do I have to renew my health insurance in every year?

In order to maintain residence permit you have to renew your health insurance in every year.

Does sex (male/female) has an effect on the price of the health insurance?

Prices are same for both sexes. Age range has an effect on the price range of health insurances.

Do kids have same health insurance provisions with adults?

Yes, it is same with the adults.

Can my child take advantage of my foreign health insurance?

Foreign health insurance is individual. You have to obtain a separate health insurance for your child.

Can I make use of health insurance for regular vaccines for babies?

No, it is excluded from the health insurance.

Do maternity and birth included at the health insurance?

Maternity, birth and baby expenditures are not included at the health insurance.

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