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Private Health Insurance

Private Health Insurance covers treatment costs such as emergency care, doctor visits, medications, diagnostic tests, hospital stays, and surgical operations in the event of unexpected illnesses or accidents that you or your loved ones may experience.

In addition to the Inpatient and Outpatient Treatment plans offered under the policy, it also allows you to benefit from early diagnosis services such as Check-Up, Mammography, and PSA free of charge.

No matter which city you live in, enjoy the peace of mind of protecting your health and future with our alternative plans tailored to your needs.

 

Private Health Insurance Advantage: If you are looking for basic coverage that secures your inpatient treatment expenses against unexpected illnesses and accidents, you can choose our PHI Advantage plan.

Private Health Insurance Extra: If you want your inpatient treatment costs to be covered and also want coverage for advanced diagnostic procedures (such as MRI, PET, and colonoscopy), you can protect your health with the PHI Extra plan.

Limited Private Health Insurance: If you are looking for comprehensive health coverage, you can choose our Limited PHI plan, which covers both inpatient and outpatient treatment expenses — with coverage within policy limits for outpatient treatments, and unlimited coverage for inpatient treatments.

Unlimited Private Health Insurance: If you are looking for unlimited health coverage, you can choose our Unlimited PHI plan, which covers both inpatient and outpatient treatment expenses without any limits.

Your coverage is determined by the benefits included in your policy. Therefore, we recommend reviewing your policy coverage in detail.

 

In Inpatient Treatments

In all contracted health institutions, inpatient treatment expenses are covered 100% with no limits. (If the Contracted Institution Network is selected as “A Network,” a 10% policyholder co-payment will apply for inpatient treatment coverage at American Medical Group and Acıbadem Medical Group.)
In non-contracted health institutions, inpatient treatment expenses are covered with a 30% policyholder co-payment, and the physician’s fee is covered up to twice the minimum tariff rate set by the Turkish Medical Association without limit.

 

For Outpatient Treatments:

If you have an unlimited package, outpatient treatment expenses in all contracted health institutions are covered without limit, subject to a 20% policyholder co-payment.
If you have a limited package, outpatient treatment expenses in all contracted health institutions are covered up to the limit specified in your policy, with a 20% policyholder co-payment.

 

Advantages

Control Mammography / Control PSA: All female policyholders aged 40 and over can benefit from the “Control Mammography” service, one of the most effective methods for the early diagnosis of breast cancer. All male policyholders aged 40 and over can benefit from the PSA service, one of the key diagnostic methods for prostate cancer. These services are offered once a year at the contracted health institutions designated by our company.
Check-Up: Policyholders aged 18 and over can benefit from an annual check-up at health institutions contracted with our company.
Türkiye Baby: Newborn babies whose birth expenses are covered by our company benefit from lifetime renewal assurance and are insured as a “Türkiye Baby” from the date of birth.

Private Health Insurance offers four different contracted institution network options: A+ Network, A Network, B Network, and C Network.You can view the list of our contracted health institutions here.

A+ Network: Valid at all PHI contracted institutions.

A Network: Valid at all PHI contracted institutions. A 10% policyholder co-payment applies for inpatient treatment coverage at American Medical Group and Acıbadem Medical Group.

B Network: Not valid at American Medical Group.

C Network: Not valid at American Medical Group and Acıbadem Medical Group.

To receive a New Business Group Health Insurance quote, a minimum of 20 employees/personnel is required. For requests involving fewer than 20 employees/personnel, a Personal Health Insurance quote will be provided. For renewals, Group Health Insurance policies can be issued for groups with at least 10 employees/personnel and a total of at least 20 insured persons, including dependents, subject to risk assessment.

You can purchase your insurance through our nearest branch.

Private Health Insurance is provided by Türkiye Sigorta A.Ş.

You can find detailed information about the general terms and conditions here.