Article
Complementary health insurance is a type of insurance that complements the health services provided by the government and covers the medical expenses in private hospitals. In Turkey, it is offered to insured individuals in addition to the health services they receive from state hospitals, aiming to reduce the high treatment fees in private hospitals.
This insurance provides comprehensive coverage to cover the insured individual's medical expenses, thus alleviating the financial burden that may arise during the treatment process. It also offers significant security by enabling individuals to receive higher quality and faster health services in private hospitals. The insured individual will face lower costs while receiving health services not only in state hospitals but also in private hospitals.
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WHAT DOES COMPLEMENTARY HEALTH INSURANCE COVER?
Complementary health insurance covers the medical expenses that the insured individual will incur in private hospitals due to illness or accident. This type of insurance covers the difference in costs that are not covered by the SGK in state hospitals.
The coverage includes hospital admission fees, doctor consultations, surgical expenses, tests and analyses, medication expenses, physical therapy, and psychological support, among other health services. Moreover, the insured individual can carry out treatment processes in private hospitals at much lower costs. The insurance can be valid not only for emergencies but also for planned treatments and check-up consultations.
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WHO SHOULD GET COMPLEMENTARY HEALTH INSURANCE?
Complementary health insurance is ideal for those who want to avoid high treatment costs in private hospitals. Individuals who wish to benefit from private healthcare services may have to pay the difference between the amount covered by the state in private hospital services. Complementary health insurance helps individuals obtain healthcare services at more affordable prices by covering this difference.
Moreover, it offers significant security for anyone who wants to be insured, regardless of age. Especially elderly individuals, who may require frequent healthcare, will find complementary health insurance to be a significant advantage. Getting insurance at a younger age can make the insurance premiums more affordable and provide additional security for future health expenses.
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WHAT ARE THE ADVANTAGES OF COMPLEMENTARY HEALTH INSURANCE?
Reduces Costs
Complementary health insurance offers insured individuals more affordable prices for high-cost treatments in private hospitals. This way, the insured individual receives higher quality services while also alleviating their financial burden.
Easy Access to Healthcare Services
Insurance companies working with private hospitals and clinics provide insured individuals with faster opportunities for examinations and treatments. Quick intervention is also ensured in emergencies.
Comprehensive Coverage
Complementary health insurance offers a wide range of healthcare services in both state and private hospitals, addressing most of the insured's healthcare needs. When the insured individual encounters any health problem, they will have extensive coverage.
Wide Network
With an agreement with many healthcare institutions across Turkey, complementary health insurance ensures that insured individuals can easily access the hospitals of their choice. This increases hospital choice freedom and accessibility.
Psychological and Physical Support
Complementary health insurance also covers additional healthcare services such as psychotherapy and physical therapy, improving individuals' physical and psychological health. This provides significant advantages, especially for individuals undergoing long-term treatment processes.
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WHAT TO CONSIDER WHEN GETTING COMPLEMENTARY HEALTH INSURANCE?
When selecting complementary health insurance, it is very important to examine the policy coverage in detail. Factors such as the content of the policies offered by the insurance company, which hospitals are covered, and what healthcare services are provided play a significant role in the decision-making process.
Additionally, the insured individual's age, current health status, and special healthcare needs should also be considered. Some insurance companies offer additional coverage and services, providing broader protection. Whether the insurance policy offers additional advantages is another factor to consider. Researching which insurance company is more reliable and evaluating the quality of their customer service can also be effective in the decision-making process. Moreover, obtaining detailed information about the premiums and when the insurance coverage is valid is crucial to avoid making the wrong choice.
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HOW MUCH DOES COMPLEMENTARY HEALTH INSURANCE COST?
The cost of complementary health insurance varies depending on many factors. The insured individual's age, insurance coverage, additional coverage offered by the insurance company, the individual's health history, and the preferred hospital network are important factors affecting the insurance premium.
Generally, insurance prices are lower for younger individuals, while premiums may increase as age advances. Moreover, more comprehensive policies typically have higher premiums. However, to select the best insurance plan that suits your budget, it is necessary to compare the offers from different insurance companies and analyze the policy coverage in detail. The prices offered by insurance companies can be adjusted according to the insured individual's preferences. Additionally, long-term insurance policy choices provide better access to healthcare services at more affordable prices.
For information on complementary health insurance prices, to determine the most suitable insurance policy for you, and to receive detailed consultancy, you can contact Fulya Duru Sigorta.
Fulya Duru Insurance : Your Partner in Insurance in Bodrum Since 1989