Critical Illnesses

What is the Personalized Critical Illness Insurance?

Personalized Critical Illness Insurance is an insurance product that provides financial protection against life-threatening illnesses that require long, complex, and costly treatment processes. It offers various plan and coverage options for a total of 19 different critical illnesses, including the most common ones such as heart attack, stroke, and cancer. This insurance helps you maintain your standard of living when faced with serious health challenges and provides strong, flexible financial protection against unexpected high expenses.

Why Should You Get Personalized Critical Illness Insurance?

Serious illnesses create not only a physical and emotional burden, but also a financially challenging and uncertain period. Critical Illness Insurance provides protection against high treatment, care, and additional living expenses you may encounter throughout this process.

Here are the key reasons to consider this insurance:

• It secures you against high treatment and care expenses.
• It helps you stay financially stable if your illness affects your ability to work.
• It ensures you can continue supporting your family’s essential needs.
• It offers strong financial support during difficult times, allowing you to focus on your recovery.
• It protects your financial sustainability in cases of long-term treatment, care needs, or loss of income.
• It helps safeguard your future against life’s uncertainties. With Personalized Critical Illness Insurance, you can take proactive measures against potential risks and focus solely on your health during challenging times.

Personalized Critical Illness Insurance Plans

Personalized Critical Illness Insurance offers a variety of plan options tailored to different needs. Each package has a different coverage limit and includes a varying number of illnesses. This allows you to choose the option that best fits your budget and level of risk.

*In Critical Illness Insurance, premiums vary depending on the coverage amount you choose, your age, and your health history.

**Critical Illness Insurance can be purchased up to age 55. Existing policies can be renewed until age 69.

CLAIMS PROCEDURES

If the insured person is diagnosed with any of the Critical Illnesses specified in the Policy Special Conditions, the insured or their relatives must follow the steps below:

• In the event that a critical illness covered under the policy occurs, medical reports issued by a fully equipped hospital or healthcare institution must be submitted to the Insurer within sixty (60) days from the diagnosis date of the covered illness, the date of surgery for coronary artery disease requiring open-chest bypass surgery, or the date of organ transplantation.
• The insured is required to provide the Insurer with all medical reports and other documents obtained from the doctor, hospital, or healthcare institution regarding the diagnosis of the critical illness.
• For the assessment of the claim, the Insurer may request additional information or documents from the insured if deemed necessary. The Insurer has the right to conduct further medical investigations, request any relevant information, reports, and documents from the diagnosing physician, healthcare institution, or other parties, require the insured to be examined by a referral doctor, and/or seek an opinion from the Medical Advisory Firm contracted by the Insurer.
• If multiple covered illnesses are diagnosed at the same time, or if the same illness is diagnosed in different organs, the payment will be limited to the sum insured, and no duplicate payment will be made.

During claim payment, any unpaid premiums of the Personalized Critical Illness Insurance will be deducted from the payable benefit.

For the insurance benefit to be paid to the beneficiaries, the Insurer must be notified immediately of the insured’s death and the following documents must be provided as proof:

• All medical documents and records related to the insured’s examinations and treatments
• Death certificate or burial permit
• Certified and stamped population registry extract issued by the Civil Registry Office
• Certificate of inheritance (veraset ilanı) and, if applicable, any other documents proving beneficiary rights

For claims related to incurable mental illnesses, the insured or policyholder must declare and provide documentation proving that no diagnosis, suspicion, or indication related to the condition existed for at least two (2) years prior to the policy start date.

GET MORE INFORMATION

*Click here to view the product’s general and special terms and conditions.