Complementary Health Insurance

When you want to be treated and examined in a private hospital, the Complementary Health Insurance covers the costs collected from you in private health institutions contracted with the Social Security Institution (SGK). In this way, when you go to a private hospital with SGK agreement for the services covered by the policy, you can be treated and examined comfortably without paying any additional fees!

Complementary Health Insurance is a type of health insurance that fits your budget. When you want to be treated and examined in a private hospital, the Complementary Health Insurance covers the additional costs above the amount paid by SGK in private health institutions contracted with the Social Security Institution (SGK).

In our Complementary Health Insurance product; Health expenses related to global, regional or country-wide epidemic diseases announced by the World Health Organization or the Ministry of Health are covered within the policy coverages, limits, payment percentages and application principles, provided that the symptoms or complaints related to the disease appear 30 days after being covered by the insurance. In Covid-19, all our insured people who have taken out a new policy or transferred from another company will be able to benefit from our service exceptionally within the scope of the policy, without waiting period..

Complementary Health Insurance is an insurance that covers the expenses related to the health of you and your family. Therefore, before you take out your insurance, you should pay attention to:

• You must enter your personal information exactly as it is written in your identity information.
• You should make sure that you tick the general / special conditions of your policy, Information Form, Open Consent Statement, Illumination Form and Distance Sales Agreement before buying and receiving an Online Complementary Health Insurance offer.
• You should examine the coverage of Sompo Complementary Health Insurance and know that a past illness is not covered.
• You should choose your package according to whether you want to cover only Inpatient treatment costs or both Inpatient and Outpatient treatment costs.
• While purchasing the Complementary Insurance, if you want to make installments on your credit card at the payment stage, be sure to select the installment option and select the number of installments you want to purchase.

Within the scope of the coverage and general conditions of the Complementary Health Insurance offered by Sompo Insurance at special prices:

• Inpatient Treatment Coverage: (100% and unlimited)
• Surgery and internal hospitalizations
• Intensive care
• Chemotherapy
• Radiotherapy
• Dialysis
• minor intervention
• Coronary angiography
• Standard single private room, meal and companion expenses
• Physical therapy (after surgery)
• Home Care (within the limits specified in the policy)
• Artificial Limb (within the limits specified in the policy)
• Auxiliary Medical Equipment (within the limits specified in the policy)
• Outpatient Treatment Coverage: (10 Pieces Limited)
• Doctor examination
• Lab
• Radiology
• Advanced diagnostic methods
• Physiotheraphy
• Comprehensive treatment and examination opportunities such as.

After purchasing your policy, you can view your supplemental health insurance policy details and perform your insurance transactions instantly, anytime, via Internet Insurance or Sompo Mobilo.

If you are undecided about choosing Private Health Insurance or Complementary Health Insurance, you can decide according to your needs with the following criteria:

• While taking out Private Health Insurance, it is generally not required to have social security.
• While some of your expenses are covered by Private Health Insurance, you may have to pay the rest. In the Complementary Health Insurance, you do not have to pay any additional fees within the scope of the coverage and the policy limit.
• When Private Health Insurance coverage is extended, there is a chance to be used abroad, but complementary health insurance can only be used in Turkey. Therefore, if you are looking for international health insurance, it would be more appropriate to choose private health insurance.
• Complementary Health Insurance is one of the health insurances with the most affordable price, Private Health Insurance remains higher priced compared to this insurance.
• You pay a contribution in Private Health Insurance. For example, while your insurance covers 80% of your treatment costs, you may have to pay around 20%. Complementary Health Insurance covers 100% of your treatment costs, you only need to pay 15 TL contribution.

Complementary Health Insurance is a type of optional health insurance. When you want to expand the scope of general health insurance, receive treatment at the quality of a private hospital and be treated with a distinguished staff of doctors who are experts in their fields, you can have your complementary health insurance at very affordable prices.

It is very fast and easy to purchase your Complementary Health Insurance completely online with the assurance of Sompo Insurance. You can get your policy offer online within seconds by filling out the form at the top of our TSS product page. After viewing your TSS offer, you can purchase your policy in installments and with special discounts from the one-click payment page. You can view and download your complementary health insurance policy with one click. You can follow up your health insurance policy, which is prepared with wide coverage specific to you, at any time via internet insurance or our Sompo Mobilo customer application.

Need support when purchasing online? You can call our Sompo Insurance Call Center at 0850 250 81 81 and get 24/7 Support or you can get online help from Live Support whenever you want.

• It is very advantageous to buy your Complementary Health Insurance online now.
• You can benefit from special discounts and campaigns.
• You can benefit from special discounts and campaigns.
• You can get all kinds of help from our Sompo Insurance Health Advisory line at 0850 250 0 757, which you can reach 24/7 at any time.
• You can follow your policies and offers and perform many transactions from the Sompo Mobilo application as you wish.

While you protect your future by taking out insurance, Sompo Insurance protects your credit card and you! No purchase is made without your knowledge and approval at Sompo Insurance, where payments are made with 3D Secure, one of the most reliable online payment methods. “What is 3D Secure” or “What does 3D Secure mean?” If you have any questions, we will answer them immediately. After entering your credit card information at the purchasing stage, you complete the secure payment process by entering the confirmation code sent to your phone number registered in your bank, on the payment screen. Thanks to the 3D Secure Payment system, you can make your insurance transactions over the internet without any question marks in your mind. You can get detailed information by contacting my Call Center regarding your questions about secure payment.

• When should I renew my health insurance? or "How will the Complementary Health Insurance renewal process be?" are among the most frequently asked questions.
• You can learn about your renewal offer from your agent at least 15 days before your policy expiration date.
• It is very important to renew your policy within the renewal period so that you do not lose the discounts and opportunities offered for you, and you do not miss out on the opportunity of renewal assurance.

Your Complementary Health Insurance is valid throughout Turkey within the scope of the contracted institution network you have chosen in your policy.

You can purchase your health insurance product in installments with contracted credit cards. When purchasing a Complementary Health Insurance in installments, you do not pay any interest. While purchasing your Complementary Health Insurance, you can benefit from installment options within the framework of your bank's installment procedures.

You can learn about the situations that may be out of coverage in your health insurance from the Policy Special Conditions, which you can view with your policy. The situations that may not be covered by your health insurance are as follows:

• Sickness and/or any accidental injuries of the insured during the insurance period due to the following situations are excluded from the coverage.
• War or warlike operations, revolutions, rebellions, uprisings and internal turmoil arising from them,
• committing a crime or attempting to commit a crime,
• Except in the case of saving persons and goods in danger, the insured's actions that will deliberately expose himself to a serious danger,
• Use of drugs such as marijuana, heroin,
• Nuclear risks or the use of nuclear, biological and chemical weapons or all kinds of attacks and sabotage that will cause the release of nuclear, biological and chemical materials,
• All damages that may occur as a result of biological and/or chemical contamination, contamination or poisoning as a result of terrorist acts specified in the Anti-Terrorism Law No. 3713 and sabotage arising from these acts or as a result of interventions made by authorized bodies in order to prevent these acts and reduce their effects.
• In case of illness or injury that may occur due to the insured's attempt to commit suicide,
• Other non-guarantee situations to be regulated in the policy special conditions.

Click here to view the General Conditions of Health Insurance.

Complementary Health Insurance is a health insurance with renewal guarantee. Renewal assurance; After the insured receives this assurance, apart from the declaration and notification obligations defined in the General Conditions of Health Insurance, the insurer does not make a risk assessment according to the changing health conditions of the insurer, does not receive additional premium for illness, does not define a waiting period or exemption for certain diseases, and the insured's current limit. It does not make any changes in premium, exemption and participation share.

Some of the most frequently asked questions when asking for TSS offer prices are “How much is the Complementary Health Insurance” or “Why is the Complementary Health Insurance fee high?” can happen. The price of the Complementary Health Insurance, which is made against many risks you may encounter with your health, is determined according to various criteria. You can get the most suitable supplemental health insurance offer for you within 30 seconds, together with criteria such as your age, city of residence, the plan you have chosen, and the network of contracted institutions.

When you go to a health institution in our contracted institution network, you must share your TR ID number with the officials, make your appointment and register, and then inform the officer that you have a Sompo Insurance Complementary Health Insurance policy. The contracted institution officer starts your provisioning process after checking your SGK liability.

When you go to a health institution in our contracted institution network, you must share your TR ID number with the officials, make your appointment and register, and then inform the officer that you have a Sompo Insurance Complementary Health Insurance policy. The contracted institution officer starts your provisioning process after checking your SGK liability.

• Your current health condition and the condition you want to be treated or examined should not be covered by SSI and/or not covered by the policy.
• The health institution must be within our contracted hospital network that you choose in the policy. Click to access the current list of contracted organizations.
• The physician you prefer must be in the network of contracted institutions with your insurance company and with SGK.
• If you are preparing to enter a planned examination / treatment process, you must inform us as far in advance as possible.

As required by the SGK practice, referral to another branch is considered as a 2nd action (case) in the current practice, so it costs you the annual inspection right.

Complementary Health Insurance does not cover birth costs. In addition, with the Sompo Insurance TSS Birth Package and TSS Birth + Routine Examination Package plans specially prepared for you, you can secure your birth expenses within the framework of the general and special conditions of the policy. You can also get these plans together with Inpatient or Inpatient + Outpatient Treatment plans..

Click here for detailed information about the Complementary Health Birth Package Insurance.

You can take advantage of our Health Advisory Line at 0850 250 0 757, which offers 24/7 Support for our health products, including the Complementary Health Insurance, or the support form or online chat option on our website, and you can get support at any time.