Covid-19 Health Insurance

COVID-19 Protection Plan is a health insurance and provides coverage for inpatient medical treatment expenses at epidemic hospitals due to COVID-19 infection. Coverage is valid only with in Republic of Turkey.

COVID-19 Protection Plan provides Inpatient Medical Treatment Expenses and Repatriation of Remains due to COVID-19 Infection.

The Epidemic Hospital is a compatible hospital with the epidemic hospitals criteria of Republic of Turkey Ministry of Health.

COVID-19 Protection Plan provides coverage if diagnosis of the insured COVID-19 Infection occurs after the insured’s entry from the customs of Turkish Republic.

COVID-19 Protection Plan provides coverage up to 30 days in line with the insured’s travel period.

There is no applicable waiting period on COVID-19 Protection Plan.

In case the insured inpatient medical treatment, related with a covered event within the policy period, continues after the policy expiration date, the inpatient medical treatment expenses up to 10 days as of the policy ending date are covered within policy total limit.

Anyone who is ranging in age from 6 months (excluded) to 65 (included) with foreign nationality stated on the policy, whose permanent residence is located out of the borders of the Turkish Republic. Citizens of the Republic of Turkey are not covered.

• Inpatient medical treatments due to COVID-19 at public or private epidemic hospitals within Republic of Turkey are covered by COVID-19 Protection Plan.
• If the epidemic hospital is a preferred medical organization of Gulf Sigorta, Gulf Insurance Medical Processing Center should be called during the admission to the epidemic hospital. Gulf Insurance Medical Processing
• Center will evaluate the compliance of the inpatient medical treatment invoices to be issued in accordance with the policy terms and provide provision to the epidemic hospital.
• If the epidemic hospital a non-preferred medical organization claim payment will be made to the insured on reimbursement basis within the below stated limitations
• Treatments/surgery procedures that are defined under Turkish Medical Association tariff are limited to 2 times of Turkish Medical Association rates.
• Treatments/ surgery procedures that are not defined under Turkish Medical Association Tariff are limited with the average cost of the equivalent hospital.
• Updated list of preferred medical organizations can be reached from the web address www.gulfsigorta.com.tr on the “Preferred Services” item located under the “Claim Services” title or by calling 444 1 244 Gulf Sigorta Medical Provision Center. Insurer keeps the right to revise the preferred medical organizations

You are suggested to read the Turkish Health Insurance General Conditions and policy terms. Exclusions are stated on Section G of the policy Special Terms and Conditions and Article 2 of Health Insurance General Conditions.