Welcome,

You can find below, information about covid-19 travel health insurance that will secure you on your trip to Turkey.

If you send us your information along with the plan you choose, your policy will be sent to your e-mail address as soon as possible. 

You can make payments when you have your policy.

We wish you a good holiday in advance.

Enjoy the sun and sea.
Insurance Team

COVID-19 PROTECTION PLAN

PREMİUM AND COVERAGE TABLE FOR CUSTOMERS (PER PERSON) 7 MONTH – 65 YEARS OLD
COVERAGES LIMITS
Linked to COVID-19 Infection
– Inpatient Treatment Costs 7.000 EUR 10.000 EUR
– Extension of the length of stay due o Covid 19 1.000 EUR 1.200 EUR
– Ticket cancellation 300 EUR 300 EUR
– Transfer of the insured’s funeral 1.000 EUR 1.000 EUR
NUMBER OF DAYS PREMİUM
1-8 14 EUR 25 EUR
9-15 27 EUR 45 EUR
16-21 42 EUR 65 EUR
22-30 58 EUR 85 EUR
PREMİUM AND COVERAGE TABLE FOR CUSTOMERS (PER PERSON) 66 – 70 YEARS OLD
COVERAGES LIMITS
Linked to COVID-19 Infection
– Inpatient Treatment Costs 7.500 EUR 10.000 EUR
– Extension of the length of stay due o Covid 19 1.000 EUR 1.000 EUR
– Ticket cancellation  300 EUR 300 EUR
– Transfer of the insured’s funeral 7.500 EUR 10.000 EUR
NUMBER OF DAYS PREMIUM
1-8 45 EUR 60 EUR
9-15 87 EUR 105 EUR
16-30 180 EUR 210 EUR

The policy is regulated within the scope of Health Insurance General Conditions and Policy Special Conditions. The policyholder is covered by insurance during his tourist travels within the Turkish Republic.

 

Inpatient Treatment Costs due to COVID-19 Infection: Costs of inpatient treatment due to COVID-19 infection diagnosed after the insured’s entry through customs gates of the Republic of Turkey.

 

Transfer of the insured’s funeral: In the event of the death of the insured during inpatient treatment for COVID-19 infection, the cost of returning the repatriation of remain to permanent residence.

 

Extension of the length of stay due o Covid 19: Expenses for hotel accommodation and meals, which arise as a result of the prolongation of the insured’s travel due to the detection of COVID-19 epidemic infection and quarantine during the travel of the insured within the borders of the Republic of Turkey.

 

Ticket Cancellation Due to COVID 19: During the policy coverage period on travel journey with in the Republic of Turkey, if the insured is treated and / or quarantined due to being diagnosed with COVID-19 epidemic infection according to the molecular biological test result for SARS-CoV-2 (PCR) and doctor report and relatively, if insured’s travel journey is extended and return flight ticket  is cancelled, one-way ‘economic’ class ticket fee will be paid by the insurer up to coverage limit stated on the policy for the insured’s return to permanent residence by deducting the recoverable part of the paid return flight ticket price.

It is not valid for the citizens of the Republic of Turkey and the citizens of the countries subject to International Trade Control and Economic Sanctions.

COVID 19 TRAVEL INSURANCE APPLICATION FORM

    CHOOSE YOUR PLAN

    COVID 19 TRAVEL INSURANCE CONDITIONS

    SECTION E: BENEFITS

    This coverage is provided based on the Health Insurance General Conditions with the General Exceptions stated on SECTION G-2.

    Inpatient Medical Treatment Expenses due to COVID-19 Infection: Inpatient medical treatment expenses, due to diagnosis of the insured COVID-19 Infection after the insured’s entry from the customs of Turkish Republic, at a compatible hospital with the epidemic hospitals criteria of Republic of Turkey Ministry of Health is covered based on the Health Insurance General Conditions and with the exceptions stated on the policy special terms SECTION G.

    Covered inpatient medical treatment expenses pertaining to operation room, surgeon, anesthetist, assistant, doctor costs, necessary materials including blood and blood plasma, oxygen, anesthesia, cost of medication and consumables rendered necessary by a doctor, electrocardiographs, radiographs, MRI, all diagnostic laboratory tests and patient care services costs will be paid within total limit specified in the policy. Ongoing and / or planned medical treatment expenses after the completion of inpatient medical treatment of the insured is not considered within the scope of the policy. Details of indemnity payments related with the emergency medical treatments at non preferred medical organization are stated on SECTION J.

    Indemnity limitation of the treatment expenses exceeding policy period: 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.

    Repatriation of Remains

    In case the insured dies during the inpatient treatment due to COVID-19 infection, reasonable and customary expenses up to the Repatriation of Remains expenses coverage limit relating to return of the corpse to the country or city of deceased’s residence shall be paid by Insurer.

    The following expenses are included:

    • The cost of a coffin
    • Transportation expenses to the country or city of deceased’s residence

    COVID 19 Hotel Convalescence on Quarantine:

    During the policy coverage period on travel journey with in the Republic of Turkey, if the insured is diagnosed with COVID-19 epidemic infection according to the molecular biological test result for SARS-CoV-2 (PCR) and doctor consultation, and become unable to continue, interrupts or extends the travel journey due to quarantine, hotel accommodation and meal expenses occurred in the Republic of Turkey will be covered within the policy limits. This

    benefit covers the expenses of the insured for 14 days following the diagnosis of COVID-19 epidemic infection within the limit stated on the policy. The fact that the insured’s quarantine is medically necessary must be documented by the

    competent doctor or by the competent authorities with a report. Doctor’s report shall also indicate the transmission time of the COVID-19. Diagnosis or existence of related symptoms of COVID-10 epidemic infection on the insured prior to entry from the customs of the Republic of Turkey, undocumented expenses, personal expenses are excluded from the policy coverage.

    Ticket Cancellation Due to COVID-19:

    During the policy coverage period on travel journey with in the Republic of Turkey, if the insured is treated and / or quarantined due to being diagnosed with COVID-19 epidemic infection according to the molecular biological test result for SARS-CoV-2 (PCR) and doctor report and relatively, if insured’s travel journey is extended and return flight ticket is

    cancelled, one-way ‘economic’ class ticket fee will be paid by the insurer up to coverage limit stated on the policy for the insured’s return to permanent residence by deducting the recoverable part of the paid return flight ticket price.

    Ticket cancellation terms of transportation firm and/or travel agency shall be considered while making payment within coverage limits and amount out of or above the rate that is necessary to be paid by travel company and/or travel agency shall be paid within maximum coverage limit written on the policy. In order to benefit from the coverage, the current and purchased return ticket information must be shared with the insurer by the insured.

    SECTION F: WAITING PERIODS

    Waiting period is not applied

    SECTION G: EXCLUSIONS

    Following cases are also excluded in addition to Article 2 of Health Insurance General Conditions per Referring Health Insurance General Conditions Article 2 item h;

    – Medical Expenses costs related with any other conditions and their direct / indirect consequences and continuity, except COVID-19 Infection which is defined as a part of the coverage.

    – Test, analysis and imaging expenses for the diagnosis of COVID-19 Infection subject to the inpatient medical treatment of the insured,

    – Even for a covered event, any medical treatment expenses incurred in health institutions, hospitals which is not compatible with the epidemic hospitals criteria of Republic of Turkey Ministry of Health.

    – All kinds of outpatient expenses,

    – Any COVID-19 Infection related disorders diagnosed before the policy inception date or outside of the Republic of Turkey,

    – Any event that is not covered as per Health Insurance General Conditions.

    – Any medical treatments due to a fault of the physician and/or medical facility.

    – Being intentionally infected with this disease

    – If treatments, analysis and procedures that can be run without hospitalization by endangering the insured’s health, accepted by an unbiased doctor, is run with hospitalization and unnecessary expenses related to diagnosis and treatments that are not related to a specific complaint and / or disease and are not related to the complaint.

    – Sickness or injury due to attempted suicide.

    – Any kind of mental disease, psychological and neurological disorder including psychosis and neurosis.

    – Chronic alcoholism, drug or substance addiction and any disorder that may occur after the use of these substances

    – Birth related disorders (congenital diseases, birth anomalies, birth disorders).

    – Treatments of alzheimer, parkinson, epilepsy diseases and antipsychotic, anxiolytic, anticonvulsant and all  psychotropic drugs related to treatments of these diseases.

    – Any treatment and diagnosis expenses related to AIDS as defined by the World Health Organization (WHO).

    – Vendor expenses during organ or blood transplantation.

    – Officially declared epidemics excluding COVID-19 and epidemics initiated by malicious intentions.

    – Medical treatment expenses related with a covered event within the policy period which would continue 10 days after the policy ending date.

    SECTION H: COVERAGE TERRITORY

    This insurance coverage shall be effective only within the borders of Republic of Turkey.

    SECTION I: COMMON PROVISIONS

    Contract: This contract has been issued on the basis of the insured’s declaration and imposes the obligation to provide true declaration upon the policyholder. Setting out the rights and liabilities of both parties; i.e., the insurer and the policyholder, this contract consists of the policy and amendments thereto. All types of losses and damages that might be caused by the insured’s / policyholder’s failure to make true declaration either during execution of this contract or during the life of the policy or after occurrence of any loss may be reflected to the insured / the policyholder in accordance with the relevant provisions of Turkish Commercial Code and General Conditions.

    Reasonable Care and Assistance: The insured is obliged to take all reasonable precautions to abstain from any loss or damage or decrease it as much as possible and try to recover the loss. In addition, insured have to assist the insurer for a reasonable request regarding the entry into force or protection of the subrogation rights that insurer may be authorized, or execution or examination of a request.

    Loss Occurrence:

    1. a) Please receive the list of necessary information and documentation for claiming an indemnity under this policy from your insurer after issuance of the policy or at the time of loss following relevant notice.
    2. b) Upon happening of the loss, please apply to the insurer through address and telephone details indicated on the front page together with necessary information and documentation as soon as possible.
    3. c) Please act in line with the instructions given by the insurer in the course of claim process.

    Competent Court: If the lawsuit is filed on the opposition of the insurer due to the disputes arising from this insurance contract competent court shall be the court located in the place of the insurer’s headquarters within the borders of Turkish Republic or the insurance agency’s residence; if the lawsuit is filed by the insurer competent count shall be the court which is in charge of insurance lawsuits and located in the place of insured’s residency.

    Medical Examination: During the period of claim handling and at reasonable intervals, the insurer shall be entitled to demand additional evidence at the insurer’s cost, to request the insured to undergo medical examination (examinations), and to have autopsy performed in case of death unless such autopsy is forbidden by laws.

    Premium being due and payable: If any claim made under this policy is payable, the amount of premium past due and within the grace period on this policy shall become due and payable and it shall be deducted from the amount of indemnity to be paid.

    Amendments: Any matter set out in this policy can be changed or amended only by those who hold the authority to sign for and on behalf of the insurer. This policy, together with any amendment and the documents enclosed herewith, constitutes the entire insurance contract. Any amendment to this policy shall not become valid and effective unless the same is approved by the insurer and such approval is supplemented to the policy.

    Fraudulent and/or Falsified and/or Misleading Claims: If the claim is fraudulent, falsified or misleading in nature or if the claim is made by the insured, policyholder or any other person acting for or on their behalf or with the authorization of the insured or policyholder by way of fraudulent, falsified or misleading means or instrument(s), then the insurer shall not be liable to make any payment under this policy in connection with such claim.

    Claim rights: According with the article 1420 of the Turkish Commercial Code, all types of claims arising out of this insurance contract shall be forfeited within two years by claim’s due date and insurer’s rights under the article 1482 of the Turkish Commercial Code remaining reserved, all claims related with the insurance indemnity and benefit shall be forfeited within 6 (six) years by the risk occurrence.

    International Trade Controls and Economic Sanctions: No (re)insurer shall be deemed to provide cover and no (re)insurer shall be liable to pay any claim or any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose that (re)insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the United States of America. This policy will not cover any loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, Sudan, North Korea, or the Crimea region.

    Arbitration: Insured is a member to arbitration system as per insurance legislation; detailed information is available on www.sigortatahkim.org. Data Disclosure: Insurer transfers and receives necessary personal information belonging to

    its policyholders with several governmental and professional organizations and authorities, notably with Insurance Information and Supervision Center, as per applicable legislation.

    Parity Clause: All premium, deductibles and indemnity payments are made in Turkish Lira with the Turkish Central Bank Selling Rate of Exchange. In case the insurer asks for information or action from the insured, participant, insured’s representative as per Article 1412 of the Turkish Commercial Code no 6102, any misleading or incorrect information to be provided by these persons shall be deemed as a violence of the insured’s or a participant’s duty to give information, which is regulated by laws, and in such case, the insurer’s rights under Article 1435 and the subsequent articles of the Turkish Commercial Code no 6102 shall remain reserved.

    The documents which indicate scope of all coverage items, general conditions, special conditions, clauses, exceptions, and the things to do in case of a loss, and which are inseparable part of this document have been received by the proposer / insured / policyholder as attached to this form. All reasonable costs and expenses to be incurred by the policyholder / insurer in good faith in order to determine the scope of risk, indemnity and the duty to pay shall be notified to the insurer in advance and the documents evidencing such costs and expenses shall be communicated to the insurer so that such costs and expenses are predictable by the insurer. The insurer reserves its right to ask for further information from the insured in addition to the declarations made in the proposal from until execution of the insurance contract. If the policyholder fails to inform the insurer about any change that has occurred from the date of

    proposal until its approval by the insurer and that may potentially affect the insurer’s decision to enter into insurance contract or the terms and conditions thereto, the policyholder shall be deemed to have violated its duty to give information, and the insurer’s rights that are exercisable against the policyholder under applicable laws shall remain

    reserved.

    SECTION J: INDEMNITY PAYMENT

    Indemnity payments will be deducted from the total limit per benefit. Any expenses exceeding total limit will not be covered. Claims amount that will be paid to the insured in case of inpatient medical treatment occurs at a non-preferred medical organization as per the policy limits are as below:

    1. Treatments/surgery procedures that are defined under Turkish Medical Association tariff are limited to 2 times of Turkish Medical Association rates.
    2. Treatments/ surgery procedures that are not defined under Turkish Medical Association Tariff are limited with the average cost of the equivalent hospital.

    If the insurer investigates any claim due to exclusions stated on the policy which is issued within and subject to the terms of Health Insurance General Terms and policy special conditions, even if provision has been provided to hospital, insurer will recede the paid amount to insured or legal inheritors. Information and documents that may be asked for by the insurer: Within the scope of the claim file created for a loss covered by this policy, the insurer, whenever it deems necessary, may ask for all types of medical/financial information and documentation pertaining to the insured on behalf of the insured; in this respect, prior consent of the insured is deemed to be automatically obtained by this policy.

    Notice of Claim: Upon the occurrence of a loss, a written notice of claim must be made to the insurer. With respect to any late notice of claim due to force majeure events, the insurer shall be entitled to reduce the indemnity in line with the increase of loss caused by late notice.

    Time of Indemnity Payment: All indemnities and benefits payable hereunder shall be paid within the periods in line with regulation after all necessary evidences of loss have been submitted and accepted by the insurer. Reasonable expenses to be made in good faith by the insurer / insured / beneficiary will be notified to the insurer without delay, and documents related to the expenses incurred for the payment of claim will be sent to the insurer.

    SECTION K: AUTOMATIC RENEWAL

    Coverage of this policy will terminate per SECTION L CANCELLATION OF THE INSURANCE CONTRACT item. It is non-renewable. This policy does not provide renewal guarantee.

    SECTION L: CANCELLATION OF THE INSURANCE CONTRACT/TERMINATION

    1- This policy shall be automatically terminated, by reserving the insurer’s other rights arising from the law regarding the termination of the contract, in respect certain insured as a result of the following events, whichever happens earlier:

    – Upon death of such insured

    – Where paid indemnities reach Per Person Total Limit stated on the policy,

    – By the insured’s exit from the customs of Turkish Republic.

    2- If the total of the premium is not paid at the due date, the policy cover and insurer liability will not commence and the insurer may terminate the contract within three months, unless payment is made. If the policyholder is notified twice within the policy period, the insurer may terminate the policy to effect a provision at the end of the insurance period. The insurer’s other rights under the Turkish Code of Obligations shall remain reserved for the default of the policyholder.

    3- The insurance policy is void if the policyholder’s intention is accrued in case of failure or violation of disclosure by the policyholder. If the policyholder had no intention, insurer may terminate the contract within 1 month from the date of awareness of the breach of this duty or may request an additional premium.

    4- As insurer become aware of an aggravation of the current conditions or risk occurrence within the policy term or existence of events that can be considered as a risk aggravation for the policy, insurer may terminate the contract within a month by this date or may request an additional premium. If the additional premium is not accepted within the day, the contract is deemed to have been terminated.

    5- In case of any request for termination of the policy in accordance with the policy provisions by the policyholder, or termination of the policy or deemed to be terminated by the insurer, the amount of premium that the insurer has become entitled to collect for the period that has passed beginning from the policy inception date shall be calculated on a daily basis; and if the amount of premium paid by the policyholder is greater than the amount entitled by the insurer, the difference shall be refunded to the policyholder.

    6- if there is an indemnity payment is more than the amount of premium that the insurer has become entitled to collect on a daily basis for the period that has passed beginning from the policy inception date.

    TRANSFERS

    Policy cannot be transferred from other insurance companies

    PREMIUM DEFINING

    Policy premium is defined based on the benefit amounts and coverage period. In cases where insurance premiums are paid by credit card, the insurer’s liability shall commence with the date on which the policy first premium deposit is withdrawn from the insured’s credit card.

    Insurance and Private Pension Regulatory and Supervisory Authority affiliated to the Ministry of Treasury and Finance (sdkbilgi@hmb.gov.tr.)

     

    Agency

    Commercial Name : BEYAZ SİG.ARA.HİZ.LTD.ŞTİ.

    Register No            : 96032

    Registered Office   : DEMİRCİKARA MH BURHANETTİN ONAT CADDESİ ARITÜRK SİTESİ A BLOK NO 89 DR

    3 MURATPAŞA ANTALYA 34

    Place of registry     : ANTALYA

    Contact details tel  : 242 3214929 – 242 3226797

    Disclosure Letter On Processing And Protection Of Personal Data:

    The personal data which are given by our Customers who have made contact with Head Office, Regional Offices,

    insurance intermediaries, call center, assistance service providers or who transacts on electronic environment, are processed, recorded, stored, protected and updated in the scope of the personal data processing conditions and purposes stated in the Article 5 and 6 of KVKK in order to make risk analysis, fulfill the obligations stated in the contracts or legislations, answering your questions and complaints, using in a possible legal dispute, establishment or performance of the contract, compliance with a legal obligation to which İnsurance comany is subject, and protecting of any right of İnsurance company such as reducing the costs, efficient use of the sources, reviewing the quality of service, by taking reasonable measures, without harming your fundamental rights and freedom. Moreover, the personal data shall be transferred to the support service companies, regulatory and supervisory authorities, related professional organizations, business partners, finance institutions, the consultancy firms whose provide services on the law, tax etc. Moreover, the personal data made public by you as you participated in contests and social media, is processed in the scope of KVKK. Your personal data, besides the above mentioned ones, may be processed in order to offer all kinds of products and services special for you related to the products and services you purchased and communicate with you and to be used for promotions, offering product/services, marketing and campaign and developing convenient products for you, working on customer satisfaction, working on existing or new product, marketing survey, and determining target customer. Internet movements within the website are recorded so that people who visit the website of our company can display customized content and engage in online advertising activities (such as cookies by technical means) sothat they can make their visits appropriately for their visit purposes. Detailed explanations about these activities of our company are included in the Privacy Policy texts on our website. In accordance with Article 11 of KVKK, everybody, her/his personal data processed, can make some request for subjects stated herein below by applying to İnsurance company:

    – Learn whether or not her/his personal data have been processed;

    – Request information for processing if her/his data have been processed;

    – Learn the purpose of processing of the personal data and whether data are used in accordance with the purpose;

    – Learn third parties in the country or abroad to whom personal data have been transferred;

    – Rectification request in case personal data are processed incompletely or inaccurately and informing request third person about rectification action.

    – In case of ceasing the reasons personal data processed for, request of deletion, destruction and

    anonymization of Personal Data and request of informing of third person personal data transmitted about rectification action.

    – Object to occurrence of any result that is to her/his detriment by means of analysis of personal data exclusively through automated systems;

    – Compensation request for the claims arisen as a result of unlawful processing of personal data. Your Personal Data will be processed in any case as long as the above legitimate purposes are not eliminated, taking into account the mandatory terms and sectoral practices.

    As stated in the “Personal Data Protection and Processing Policy” on our company’s website, in accordance with

    Article 12 of the KVKK, our Company takes all necessary technical and administrative measures to ensure the security level, to prevent the illegal processing of personal data, illegal access to personal data, and to provide the protection of personal data.

    DISCLOSURE LETTER

    Issued in two copies, this letter has been prepared based on the Regulation as to Informing in Insurance Agreements that has come into effect being issued at Official Gazette no. 31039 and dated 14.02.2020 with the purpose of giving general purpose information on some important matters as to insurance agreement to be made to the policy owner and other persons to benefit from the insurance.

    A.INFORMATION AS THE INSURER

    – Of the insurance agent acting as intermediary for the contract;

    Agency Title          : BEYAZ SİG.ARA.HİZ.LTD.ŞTİ.

    Register No           : 242

    Registered Office  : DEMİRCİKARA MH BURHANETTİN ONAT CADDESİ ARITÜRK SİTESİ A BLOK

    NO 89 DR 3 MURATPAŞA ANTALYA 34

    Place of Registry   : ANTALYA

    Contact Details      : Tel:242 242-Fax:242 3226797

    1. WARNINGS

    – This policy is issued based on the Health Insurance General Conditions with the General Exceptions stated on SECTION G-2. In order to get further information about the insurance, please read General Conditions of Health Insurance and the matters contained in relevant clauses carefully.

    – In order to avoid future conflicts, please kindly request invoice during your premium payments (upfront or in installments)

    – Please avoid providing the insurer with incomplete or incorrect information during execution of the contract, in the course of policy period or upon happening of the risk. In the contrary case, policy might be deemed to be terminated or indemnity payment period may extend or insured may come up against non-payment or short-payment of indemnity.

    – All sorts of losses that happened before policy commencement date and consequential damages arising from them are out of the scope of the coverage.

    – By signing related documents, policy holder & insured authorizes, with risk evaluation and claim handling purposes, receiving medical information, policy information and other information from Insurance Information and Supervision Center, Social Security Institution, Health Ministry, health institutions and insurance companies and transferring related information to (SBGM) Insurance Information and Supervision Center, Insurance companies and with authorized parties by related regulations.

    The personal data which are given by our Customers who have made contact with Head Office, Regional Offices,

    insurance intermediaries, call center, assistance service providers or who transacts on electronic environment, are processed, recorded, stored, protected and updated in the scope of the personal data processing conditions and purposes stated in the Article 5 and 6 of KVKK in order to make risk analysis, fulfill the obligations stated in the contracts or legislations, answering your questions and complaints, using in a possible legal dispute, establishment or performance of the contract, compliance with a legal obligation to which İnsurance company is subject, and protecting of any right of İnsurance company such as reducing the costs, efficient use of the sources, reviewing the quality of service, by taking reasonable measures, without harming your fundamental rights and freedom. Moreover, the personal data shall be transferred to the support service companies, regulatory and supervisory authorities, related professional organizations, business partners, finance institutions, the consultancy firms whose provide services on the law, tax etc. Moreover, the personal data made public by you as you participated in contests and social media, is processed in the scope of KVKK. Your personal data, besides the above mentioned ones, may be processed in order to offer all kinds of products and services special for you related to the products and services you purchased and communicate with you and to be used for promotions, offering product/services, marketing and campaign and developing convenient products for you, working on customer satisfaction, working on existing or new product, marketing survey, and determining target customer.Internet movements within the website are recorded so that people who visit the website of our company can display customized content and engage in online advertising activities (such as cookies by technical means) so that they can make their visits appropriately for their visit purposes. Detailed explanations about these activities of our company are included in the Privacy Policy texts on our website. In accordance with Article 11 of KVKK, everybody, her/his personal data processed, can make some request for subjects stated herein below by applying to İnsurance company:

    – Learn whether or not her/his personal data have been processed;

    – Request information for processing if her/his data have been processed;

    – Learn the purpose of processing of the personal data and whether data are used in accordancewith the purpose;

    – Learn third parties in the country or abroad to whom personal data have been transferred;

    – Rectification request in case personal data are processed incompletely or inaccurately and informing request third person about rectification action.

    – In case of ceasing the reasons personal data processed for, request of deletion, destruction and anonymization of Personal Data and request of informing of third person personal data transmitted about rectification action.

    – Object to occurrence of any result that is to her/his detriment by means of analysis of personal data exclusively through automated systems;

    – Compensation request for the claims arisen as a result of unlawful processing of personal data. Your Personal Data will be processed in any case as long as the above legitimate purposes are not eliminated, taking into account the mandatory terms and sectoral practices.

    1. GENERAL INFORMATION

    – Only listed below coverages are provided within limits stated in the policy as the content of the cover is defined on Health Insurance General Conditions (article 1).

    Inpatient Medical Treatment Expenses due to COVID-19 Infection: Inpatient medical treatment expenses, due to diagnosis of the insured COVID-19 Infection after the insured’s entry from the customs of Turkish Republic, at a compatible hospital with the epidemic hospitals criteria of Republic of Turkey Ministry of Health is covered based on the Health Insurance GeneralConditions and with the exceptions stated on the policy special terms SECTION G.

    Indemnity limitation of the treatment expenses exceeding policy period: 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.

    Repatriation of Remains: In case the insured dies during the inpatient treatment due to COVID- 19 infection, reasonable and customary expenses up to the Repatriation of Remains expenses coverage limit relating to return of the corpse to the country or city of deceased’s residence shall be paid by Insurer.

    COVID 19 Hotel Convalescence on Quarantine: During the policy coverage period on travel journey with in the Republic of Turkey, if the insured is diagnosed with COVID-19 epidemic infection according to the molecular biological test result for SARS-CoV-2 (PCR) and doctor consultation, and become unable to continue, interrupts or extends the travel journey due to quarantine, hotel accommodation and meal expenses occurred in the Republic of Turkey will be covered within the policy limits. This benefit covers the expenses of the insured for 14 days following the diagnosis of COVID-19 epidemic infection within the limit stated on the policy. The fact that the insured’s quarantine is medically necessary must be documented by the competent doctor or by the competent authorities with a report. Doctor’s report shall also indicate the transmission time of the COVID-19. Diagnosis or existence of related symptoms of COVID-10 epidemic infection on the insured prior to entry from the customs of the Republic of Turkey, undocumented expenses, personal expenses are excluded from the policy coverage.

    Ticket Cancellation Due to COVID-19: During the policy coverage period on travel journey with in the Republic of Turkey, if the insured is treated and / or quarantined due to being diagnosed with COVID-19 epidemic infection according to the molecular biological test result for SARS-CoV-2 (PCR) and doctor report and relatively, if insured’s travel journey is extendedand return flight ticket is cancelled, one-way ‘economic’ class ticket fee will be paid by the

    insurer up to coverage limit stated on the policy for the insured’s return to permanent residence by deducting the recoverable part of the paid return flight ticket price.

    – The parties have the right to agree on special conditions in addition to general conditions of the insurance provided that they do not violate applicable laws or ethical values and that they are not advantageous to the insured.

    1. RISK OCCURENCE

    – Please receive the list of necessary information and documentation for indemnity application from the insurer after issuance of the policy or at the time of loss following relevant notice.

    – Upon happening of the risk, please notify the insurer without delay through address and telephone details indicated on the front page. Insurer will guide you with the required information and documentation.

    – Please act in line with the instructions given by the insurer in the course of notice process.

    – Upon happening of the risk, the insurer will pay indemnity pursuant to general and special conditions of the policy.

    1. LIMITS

    – The limit is the amount which is indicated in the policy and refers to maximum amount of coverage that the insurer undertakes to pay upon occurring of the risk.

    1. INDEMNITY PAYMENT RULES

    – Indemnity payments will be deducted from the total limit per benefit. Any expenses exceeding total limit will not be covered.

    – Upon happening of the risk, the indemnity shall be paid after being calculated over the sum indicated in the policy and according to relevant reports.

    – Within the periods regulated by law and general conditions from the complete delivery of all necessary information and documentation to the insurer, all necessary investigations shall be conducted and the indemnity-related procedure shall be completed by the insurer.

    SECTION B: DEFINITIONS

    Insurance Medical Processing Center: is a processing center that evaluates the compliance of the inpatient medical treatment invoices the be issued in accordance with the scope and definitions described in SECTION E.

    Preferred Medical Organization: is the hospitals, clinic and private doctor clinics having agreement with İnsurance Company in order to provide service to insureds. Insured keeps the right to revise the preferred medical

    organizations. Unnecessary medical treatments: treatments that do not require inpatient treatments however

    the insured is hospitalized in the medical facility as an inpatient. Hospital: Refers to a medical institution which is recognized by medical legislation, and which:

    (a) has a valid license for medical services (if it is necessary as per applicable legislation),

    (b) has the primary function of treating and curing injured or diseased people,

    (c) has a staff consisting of one or multiple doctors who is/are permanently and physically available in its facilities,

    (d) provides 24 hours nursing services and has at least one certified-qualified nurse who is permanently available in its facilities,

    (e) has organized diagnosis and surgical intervention possibilities either within its own facilities or in any other facility contracted with the hospital on the basis of previouslyexecuted agreements,

    (f) does not act as a clinic, nursing or rehabilitation center for old persons, old-age home, convalescent center or any other similar organization, which fall outside the scope of its primary function.

    Permanent Residence/Home: The city abroad where insured is permanently residing at the date of issue of the policy, or where insured are temporarily residing for a period of more than three months.

    Insurer: Refers to recognized Insurance Company who has already registered and obtained a valid operating license in the country where this insurance policy has been issued.

    Insurance Policy: Refers to the document which states the policy terms and conditions and has been issued as per relevant provisions of the Turkish Commercial Code in accordance with the insurer’s insurance contract.

    Policyholder: Refers to the person who has applied for this insurance policy, whose application has been accepted by the insurer, who has the duty of paying premium, and who acts in favor of the insured within the compass of the coverage under this insurance policy.

    Insured: Refers to the person(s), aged from 6 months to 65, whose nationality is stated on the policy, whose permanent residence is located out of the borders of the Turkish Republic, who has applied for insurance policy, and as a result, in favor of whom, the insurance policy has been issued and whose name(s) appear on this insurance policy. Citizens of the Republic of Turkey are not covered.

    Age: means the official age, as calculated on the basis of such date of birth as indicated in the official documents such as identification card, passport, etc. regardless of the date of birth provided on the application form or claim form.

    Total Limit: per benefit maximum amount that has been defined by the insurer based on the policy specific and general conditions. Indemnity payments in the same policy period will reduce the total limit per benefit. Any expenses exceeding total limit will not be covered.

    Abroad: shall be defined to mean the geographical zone outside the borders of the Republic of Turkey and which starts and ends with custom stations of the Republic of Turkey.

    SECTION C: COVERAGE PERIOD

    The insurance coverage shall commence on the inception date stated on the policy or by the insured’s entry from the customs of Turkish Republic whichever is later: and expires on the ending date stated on the policy or or by the insured’s exit from the customs of Turkish Republic whichever is earlier.

    SECTION D: ELIGIBILITY

    Anyone who is ranging in age from 6 months (excluded) to 65 (included), and who does not have any condition that may prohibit his/her from taking out this policy, as indicated in the declaration presented while making policy application eligible to apply for taking out this policy.