Policy insures the insured against the results of any accidents, which may be incurred during the validity of the insurance coverage.

Personal Accident Insurance policies covers the following risks:

  • Death
  • Permanent Disablement
  • Medical Treatment
  • Daily Indemnity

Policy insures the insured against the results of any accidents, which may be incurred during the validity of the insurance coverage. The term “accident” means a sudden and external incident resulting in injury or death of the insured, which is beyond his own will. The following events are considered to be accidents:

  • the inhalation of gases which arise suddenly and unexpectedly,
  • burns, strain, sprain or tearing of muscles and nerves as a result of a sudden movement,
  • toxication caused by snake or insect bites or
  • contracting rabies, as the result of a bite.

Death Benefit
If an accident covered causes death of the insured immediately or within one year of the date of the accident, the sum insured will be paid to the beneficiaries.

Permanent Disablement Benefit
If an accident covered causes permanent disability of the insured immediately or within two years of the date of the accident, the permanent disability sum insured will be paid to the insured following the end of the medical treatment and the final determination of permanence of the disability, in accordance with the schedule of benefits in the Turkish Personal Accident Insurance Generel Terms.

Medical Treatment Benefit
The insurer will pay doctor fees and medicines, radiography, bathing, massage, hospital and other necessary medical treatment expenses (excluding transport and transfer costs) incurred within one year after the date of accident, up to the accident medical expenses sum insured set forth in the policy provided that accidental medical treatment expenses are also covered by the policy. If treatment costs are covered by other insurance contracts, such costs will primarily be covered on this insurance.

Daily Indemnity
If the insured becomes temporarily unable to work because of the accident, the daily indemnity specified in the policy will be paid. The amount of the daily indemnity may be paid for 200 days in case of temporary deprivation of work.

Additional Benefits
If agreed between the parties the following events can also be included in the coverage with an additional premium:
Use of motorcycles or motorised bicycles, open sea fishing, battues, wild animal, e.g. wild board, hunting, high mountain hunting, mountain and hill climbing, all sports performed on snow or ice (skiing, skating, hockey and bobsled etc.), javelin throw, show jumping, polo, rugby, fencing, weight lifting, wrestling, boxing, basketball, football and sailing as well as heavy and dangerous gymnastics moves and professional sports moves, any sports competitions and races and endurance races, flying on aircraft except as a fare-paying passenger, earthquake, flood, volcano eruption and landslide and crackdowns by competent authorities due to or to prevent or minimize the effects of terrorist actions or sabotage, excluding participation in terrorism or sabotage acts.

Education Abroad Insurance

All of the below indicated coverages are valid outside Turkey in Europe or other countries of the World (depending on the alternative chosen) for the events happened during the travel for which the insurance policy has been purchased. The coverage becomes effective upon exit from Turkish customs and automatically expires upon entry to Turkish customs notwithstanding expiry of the policy period.

Maximum amount of coverage is limited with 30.000 or 50.000 Euros according to the alternative which has been chosen, for medical treatment expenses due to any illness or bodily injury of the insured, his/her transportation to medical treatment facilities, his/her transportation back to his/her Usual Place of Residence after being discharged from the hospital and transportation of the corpse if the insured dies during travel. Services shall be provided for the coverages other than the above indicated ones, within the limits and in line with the explanations given in the brief table.

A deductible in the amount of 75 Euros shall be applied for any illness or bodily injury of the insured, his/her transportation to medical treatment facilities, his/her transportation back to his/her Usual Place of Residence after being discharged from the hospital and transportation of the corpse if the insured dies during travel covers. When the insured would like to take benefit of the services included within the scope of the policy, the first 75 Euros of the concerned cost shall be assumed by the insured himself/herself and any cost exceeding this amount shall be paid by the Company within the limits specified under the policy.

Depending on the insurance period alternative selected and the premium paid, the period for benefiting from the covers provided under the insurance will be 1 week/2 weeks/3 weeks/1 month/2 months/3 months/6 months/9 months/12 months.

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