Health Tourism Complication Insurance Plans
Flight Ticket Coverage
The price of economy class flight ticket, paid by the insured for treatment of complication, arising as a result of a treatment, applied to insured in Turkey, or revision of surgery, is reimbursed subject to limit and exclusions in the policy. There is Flight ticket coverage in orthopaedics, gynaecology, general surgery, aesthetics, heart surgery and Organ Transplant plans. Coverage is indicated on certificate and/or policy. In plans with flight ticket, ticket price has an exception of USD 500 and covers tickets up to USD 1000.
Accommodation expenses, paid by the insured for treatment of complication, arising as a result of a treatment, applied to insured in Turkey, or revision of surgery, before and after the treatment in Turkey, outside of healthcare institution, are reimbursed under this coverage, at a maximum of USD 100 per day and a maximum of USD 500. For accommodation expenses, accommodation for the first 5 days is subject to exception and coverage is applied for accommodation after 5 days. Optional accommodation without medical necessity, is excluded from coverage. Necessity of accommodation is determined by a physician report.
This policy does not include hospital daily indemnification, daily care pay and daily disability pay.
From the proposal, given to you and your certificate and your Policy Special conditions following preparation of your policy, read and control your coverages.
Treatments to be made in the dental plan are 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, remaining tooth fragment; In implant applications, complications such as the implant not being fully seated, moving, dislodged, and damaging the jawbone is within the scope of coverage.
In the eye plan, refractive surgery such as excimer laser, Lasik, cataract surgery, ptosis surgery, glaucoma surgery, retinal detachment surgery is 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 drooping eyelids,
In retinal detachment surgery, recurrence of detachment, bleeding into the eye, eye perforation, 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, failure to take care after hair transplantation) and the failure of the hair transplantation are excluded from the coverage.
Despite all these recommendations being followed, treatments to prevent the transplanted hair follicles from growing or the development of infection in the scalp and hair transplant are covered by the coverage. In order to pay the compensation request, it must be determined with a doctor's report that the recommendations after hair transplantation have been followed.
Orthopedics, Gynecology, General Surgery, Aesthetics, Cardiac Surgery Plan
In all surgical procedures, complications written in the information and consent form signed by the patient before the operation are covered. (Except death)
In aesthetic surgeries; Revision requests due to the fact that the surgery performed does not suit personal taste will not be met. However, revisions that will occur as a result of unsuccessful surgery are guaranteed. (Nasal drooping, curvature, nasal septum perforation in rhinoplasty; asymmetry, fall, implant perforation and capsular contracture in rhinoplasty; skin infection, subcutaneous hemorrhage, long-lasting muscle paralysis in botox applications; etc.)
Organ Transplant Plan
In organ transplants, the cases where the transplant process needs to be repeated as a result of the rejection of the transplanted organ are covered. In this case, donor-related expenses and tests for organ compatibility are not covered. Only the expenses of the patient / insured person who will be transplanted in the health institution and transportation and accommodation expenses are paid within the coverage limits.
The Insurance company may seek a second opinion from an independent expert, if necessary, in the evaluation of the insured's claims for compensation. The Insurance company 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, the accommodation and other costs of the accompanying person, as well as transportation and hotel accommodation expenses, are not paid.