What are the diseases and conditions covered by Hayata Devam Insurance Coverage?
If an insured person suffers from a condition or disease mentioned below, he/she will receive compensation for the amount specified in the policy:
- Renal failure
- Transplantation (heart, liver, lung, pancreas)
- Multiple Sclerosis (MS)
- Burn (3rd degree)
- Hearing loss
- Cardiac valve surgery
- Aortic surgery
- Limb loss
- Heart attack
In addition, the “Advantageous Dental Package” and “Dietician Consulting Service” are also provided to customers who purchase this product.
You can benefit from a free or discounted first session of a Dietician Consulting Service, and call the Aksigorta Service Centre at 444 27 27 for more information.
Does Hayata Devam Insurance have an age limitation?
To begin coverage with this insurance, you must be 18 – 60 years of age, and can then renew your insurance for a period of one year at a time, until the age of 70.
Is any prior examination requested?
The insured person or the insurer fills in a written declaration form that the insured had no complaints, and was not diagnosed or being treated for any of the 12 conditions and diseases covered by the policy during application. This declaration is essential, and no other preliminary examination, etc, is requested. The person who will be insured should not have previously been diagnosed, complained of, or treated for any of the conditions and diseases covered by the policy.
Are there any waiting periods for Hayata Devam Insurance Cover?
Cover will begin after 90 days following the commencement date of the policy. In case that the policy is renewed uninterruptedly, the 90 day waiting period is not applied again following renewal. The insured person can use the Advantageous Dental Package without waiting 90 days from the commencement date of insurance.
The insured person may benefit from the following services free of charge, once a year, at contracted clinics or dentists within the period of their policy;
- Tooth extraction examination
- Scaling of lower and upper teeth (Détartrage )
- Dental x-ray film (Periapical)
Therefore, the insured person benefits from a service worth about 150-200TL, free of charge. All dental services received from contracted clinics and dentists are priced based on the Turkish Dental Association base rate tariff, making dental treatment very affordable with TDA base rates*
*You can view the price list from the Turkish Dental Association website, www.tdb.org.tr .
Where can I access the list of contracted clinics or dentists that I may use for Advantageous Dental Package?
If you call the Aksigorta Service Centre on 444 27 27, and inform them whereabouts you want to receive the dental service (by indicating province, district), then information of the closest contracted clinic or dentist can be provided, and an appointment is made on your behalf.
Is there a tax advantage to having Hayata Devam Insurance?
If the insured person is a wageworker or a taxpayer, he/she can deduct the paid premiums of Hayata Devam Insurance from their tax base, in accordance with Income Tax Law.