HOW CAN I BENEFIT FROM FOREIGN HEALTH INSURANCE?

admin·16/08/2022·Guide, Health·23 min·

COVERAGE OF FOREIGN HEALTH INSURANCE (*) Contracted […]

HOW CAN I BENEFIT FROM FOREIGN HEALTH INSURANCE?

COVERAGE OF FOREIGN HEALTH INSURANCE

(*) Contracted and Non-Contracted Institution limits are common annual limits.
Chemotherapy/Radiotherapy/Dialysis coverage is limited to 10.000 TL per year. This limit is the common annual limit as the contracted and non-contracted institution limit. It is covered within the scope of inpatient treatment coverage.
Artificial Limb coverage is limited to an annual limit of 5,000 TL. This limit is the common annual limit as the contracted and non-contracted institution limit. It is covered within the scope of inpatient treatment coverage.
Dental coverage as a result of a traffic accident is limited to an annual limit of 1,500 TL. This limit is the common annual limit as the contracted and non-contracted institution limit. It is covered within the scope of outpatient treatment coverage.
Ambulance coverage is limited to 500 TL once a year. This limit is the common annual limit as the contracted and non-contracted institution limit. It is covered within the scope of inpatient treatment coverage.
Auxiliary Medical Equipment coverage is limited to an annual limit of 2,000 TL. This limit is the common annual limit as the contracted and non-contracted institution limit. It is covered within the scope of outpatient treatment coverage.
Guarantees abroad are void. K.K.T.C is considered abroad.

It is of great importance that your contact information is complete and correct so that we can meet your demands and needs, and provide you with fast service in compensation and all other insurance processes. Please check the information on your policy and contact your customer representative / agency in case of inconsistency in the information you have declared.

This policy covers the minimum coverage structure specified in the Circular on Private Health Insurances for Visa and Residence Requests dated 16/06/2021 and numbered 2021/8.

This policy has been prepared in accordance with the printed and attached general conditions, special conditions and the offer and statement of the insured. The premium must be paid in full upon delivery of the policy, at the latest, as soon as the policy is made. If the premium is not paid in full, even if the policy is delivered, the liability of the insurer does not begin and if it is not paid by the end of the day it is delivered, the insurant will default.

Illnesses that existed before the policy start date (all health expenses related to undeclared complaints, even if they have been declared or not diagnosed yet) and all diseases specified in the policy as exceptions, out of coverage are not covered even if the waiting period has expired. In case of an undeclared disease detection during the policy period, an exception may be applied to the policy, additional premiums may be received or the policy may be cancelled.

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TURKISH NIPPON SİGORTA MY HEALTH IS YOUR INSURANCE POLICY

Product Code : 908 Start Date Policy/ Renewal Number : 104065147 / 0 End Date
Addendum No: 0 Duration
Agency Code/Title: 20094 / ÖZSER NEO SİGORTA BROKERASYON A.Ş.

: 21/01/2022 : 21/01/2023 : 365 Days

Lung/Respiratory Diseases, Intestinal Diseases, Nose, Head Sinus, Concha Diseases, Skin and/or Lymph Gland Diseases, Joint Diseases (such as Knee, Hip, Shoulder), Eye Diseases, Benign Cyst, Mass/Tumor, Blood Diseases, Endocrine System Disease (such as Hormone Disorders), Muscle and Bone Diseases (including Fractures/Dislocations), Breast Diseases
Prostate and Testicular Disease, Uterine and Ovarian Disease, Nervous System, Brain/Cerebral Vascular Diseases, Blood Pressure Disease

Varicose Anorectal Diseases (such as Haemorrhoids, Fistula), Kidney and Urinary Tract Diseases, Growth and Development Retardation, Congenital, Hereditary Diseases, Hernias (such as Inguinal, Belly), All Types of Cancer, Malignant Mass/Tumor, Cardiovascular Disease
Ear and Balance System Diseases, Liver, Bile, Pancreas and Spleen Diseases, Diabetes, Insulin Resistance, Glucose Metabolism Disorder, Spinal Diseases (Neck, Back and Waist), Psychiatric Disease, Rheumatic Disease, Esophagus, Stomach and Duodenum Diseases, Thyroid and Parathyroid Gland Diseases and all kinds of diseases other than these diseases, have you been treated for an accident, have you had an operation, have you been hospitalized and do you still have an ongoing treatment or an examination result that you expect?

The Insured/Insurant answered NO to the question.

IMPORTANT NOTE

1- Health expenses incurred in the American Group Hospital and Polyclinics, Acıbadem/International Health Group, Florence Nightingale Health Group, LIV Hospital, Memorial Health Group and Anadolu Health Center health institutions are not covered by this policy and are not covered in any way.
2- The duration of hospitalization within the insurance period is limited to 180 days per term. Intensive care stays are limited to 90 days and are deducted from 180 days, which is the total length of stay.
3- Expenses of health services (including emergencies) performed outside the Network preferred in the policy are covered within the scope of the Non-Contracted Health Institution coverage limit and payment percentage specified in the policy.
4- Health expenses incurred by Doctors who do not accept the terms of the agreement; It is determined by the Health Service Tariff and is limited to the minimum wage on the date of the event, and is covered within the scope of the Non-Contracted Health Institution coverage limit and payment percentage specified in the policy.
5- All contracted health institutions of this product, Türk Nippon Sigorta A.Ş. The website is detailed at www.turknippon.com.tr, updated regularly and announced for informational purposes. You can contact your Customer Representative / Agency for detailed information.
6- Unless otherwise preferred, the policy is for 1 year. In policies issued for more than one year, each year between the policy start date and end date is considered a period. Coverage limits and payment percentages specified in the above coverage table will be applied separately for each period. Each year between the policy start and end dates is counted as 1 policy period and the coverages specified in the coverage table are valid for each policy period separately.
7- There is no Lifetime Renewal Warranty on this product.
8- In the event that the waiting periods specified in the special condition are completed after all treatments and complications related to the diseases that fall into the waiting period specified in the special condition, outpatient treatment and inpatient treatment other than the first doctor’s examination, are included in the insurance coverage (red area / except for emergencies) are covered by the coverage.
9- This copy of the policy is an internet copy, and in case of any inconsistency between this copy and the phrases in the Company copy, the Company records will be taken as the basis.
10- The policy may be terminated upon presentation of a new health insurance policy covering the residence permit period to the company, cancellation of the residence permit or upon presentation of a document showing that you are included in the scope of the General Health Insurance pursuant to the Social Insurance and General Health Insurance Law No. 5510.

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With this QR code, you can confirm the validity of your policy. You can use this qr code to check and confirm your policy information.

TURKISH NIPPON SİGORTA MY HEALTH IS YOUR INSURANCE POLICY

Product Code : 908 Start Date Policy/ Renewal Number : 104065147 / 0 End Date
Addendum No: 0 Duration
Agency Code/Title: 20094 / ÖZSER NEO SİGORTA BROKERASYON A.Ş.

: 21/01/2022 : 21/01/2023 : 365 Days

11- Information Form, KVKK Clarification Text and special conditions of the product are also included in the offer/policy annex. Do not forget to fill out the health insurance application form.

This policy was issued on 21/01/2022 at 17:07:42 in ISTANBUL.

MY HEALTH IS YOU (Foreign Health Insurance) HEALTH INFORMATION FORM

This text, which is prepared in at least two copies, is intended to provide general information on some important issues related to the insurance contract to be made to those who want to become a party to the policies and will benefit from the insurance, in accordance with the Regulation on Information in Insurance Contracts published in the Official Gazette dated 14.02.2020. prepared.

This text, even if signed/approved by the parties, does not in any way mean an offer or contract unless it is subject to a separate offer and/or terminated by an insurance contract between the parties.

A. INFORMATION ABOUT THE INSURER

The insurance agency mediating the contract;

Agency Code/Title Address

Phone Number Tax Office Tax Number Plate Number

B. WARNINGS

Insurance contracts are private health insurance that must be made in short-term residence permit applications in accordance with the Law on Foreigners and International Protection. It covers the risks that occur after the policy start date, within the period in which the insurance contract is in effect, within the scope of the guarantees specified in the policy, Turkish Commercial Code (“TCC”), General Conditions and Special Conditions of the Policy. In order to have more detailed information about the insurance, carefully read the Health Insurance General Conditions, Health Insurance Special Conditions and your contract/policy to be given by the Insurer as an annex to the policy.
Unless otherwise agreed in writing by the insurer, foreign nationals residing within the borders of the Republic of Turkey during the period the policy is in effect are accepted to the insurance. Those who apply for a residence permit are deemed to be resident in Turkey. Turkish citizens cannot be insured under this product.
Health Application Forms, Policy Special Conditions, General Conditions and our company’s risk assessment rules will be evaluated. After the risk assessment, the right to change the first offer premiums, to apply sickness exemption and/or additional sickness premium, or to reject the application is reserved. If the payment is made at the application stage, this payment will be considered as a prepayment, and if the application is accepted by the company and the policy is issued, it will be considered as a premium payment, and if the policy is not accepted, it will be refunded.

: 20094 / ÖZSER NEO SİGORTA BROKERLIK A.Ş.
: TURGUT ÖZAL MH 68. SK OTOPORT AVM SHOPPING CENTER. BUILDING NO 46/247 E.5 HIGHWAY

UZERI ESENYURT MUNICIPALITY ESENYURT ISTANBUL TURKEY : 212-4230033
: 34294
: 6210514317
: 142

The Insurer providing the guarantee
Trade Name: TÜRK NIPPON SİGORTA A.Ş.
Address : Mahir İz Cad. No: 24 Altunizade -Üsküdar 34662 Istanbul Telephone No: 0 216 554 11 00
Fax Number: 0 212 310 69 19
E-Mail : [email protected] Türk Nippon Customer Service: 444 8 867
Field of Activity: Insurance Transactions

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9. 10.

11.

In case of detection of malicious acts such as people not covered by insurance benefiting from coverage or family insured having their health expenses documents issued on behalf of other policyholders, the Insurer has the right to withdraw the health expenses payments made under the coverage and cancel the policy without refunding the premium.

The policy can be renewed before the expiry of the insurance period, with the mutual agreement of the policyholder and the Insurer, and with the conditions specified in the “Renewal of the Policy” article of the Special Conditions. In case the insurer makes automatic renewal, the policies are issued on the maturity date at the latest, and unless otherwise notified in writing by the insurer before the maturity date, the payment method in the previous policy period will be valid for the renewal.

Before the contract is concluded, it is necessary to give correct answers to the questions asked by the insurer, to inform all known and necessary issues, to avoid giving incomplete and incorrect information, to inform the insurer about the changing situations during the continuation of the contract, and to inform the insurer immediately when the risk occurs. In case of breach of this obligation, the right of the insurer to reject the offer, to withdraw from the contract if the contract has been concluded, to terminate the contract, to continue the contract by receiving additional sickness premium, to increase premium or to apply sickness exemption is reserved. If the obligation to inform is not duly fulfilled, the compensation payment period may be extended, and the situation of receiving or not receiving the compensation may occur. For information, please review the Article of Non-Fulfillment of the Declaration Obligation of the Special Conditions.

Türk Nippon Insurance, insurance legislation, regulations related to insurance, health legislation, including but not limited to the Law on the Protection of Personal Data, within the framework of the legal regulations of the Republic of Turkey. By examining before the Prime Ministry Undersecretariat of Treasury, Health Insurance Information and Monitoring Center (SBGM), Insurance Association of Turkey (Association of Insurance, Reinsurance and Pension Companies of Turkey), all health institutions and organizations, other insurance companies and Public Institutions and Organizations, information

TURKISH NIPPON SİGORTA MY HEALTH IS YOUR INSURANCE POLICY

Product Code : 908 Start Date Policy/ Renewal Number : 104065147 / 0 End Date
Addendum No: 0 Duration
Agency Code/Title: 20094 / ÖZSER NEO SİGORTA BROKERASYON A.Ş.

: 21/01/2022 : 21/01/2023 : 365 Days

In order to be able to inform the Insured/Insured, in addition to the address information, at least one of the insured persons in the relevant policy and one of the insured’s mobile phone or e-mail address must be sent.
The entire insurance premium or, for payments made in installments, the first installment of the premium must be paid upon delivery of the policy. If the entire premium or down payment is not paid, the liability of the Insurer does not begin, even if the policy is delivered. If the first installment or the premium, which must be paid in full, is not paid on time, the insurer may withdraw from the contract within three months as long as the payment is not made. This period starts with promise. If any of the following premiums are not paid on time, the Insurer warns the policyholder to fulfill its debt by giving it a period of 10 days, otherwise the contract will be deemed terminated at the end of the period. If the debt is not paid at the end of this period, the insurance contract is terminated. Other rights of the insurer arising from the Turkish Code of Obligations due to the default of the policyholder are reserved. If two warnings have been sent to the policyholder within an insurance period, the insurer may terminate the contract with effect at the end of the insurance period. In cases where it is decided to pay the insurance premium in installments, all of the premiums related to the indemnity or price to be paid become due when the risk occurs.
Don’t forget to get a proof of payment for your premium payments (in cash or in installments) in order to avoid future conflicts.

7. In order to be able to cancel, the cancellation statement prepared by the insurant and containing the signature and current date, together with the following conditions, must be delivered to the insurer. Upon the cancellation request, the premium that the company does not deserve is refunded in accordance with Article 13 of the Special Conditions, titled “Expiration Principles of the Insurance Agreement”.

· · ·

· ·

When a new private health insurance contract covering the residence permit period is submitted to the insurance company,

In the cancellation of the residence permit,

On submission of a document showing that they are included in the scope of the General Health Insurance pursuant to the Social Insurance and General Health Insurance Law No. 5510,

Required documents showing the date of departure from the country,
In case of death, the necessary documents should be sent to the insurance company.

Original of the Policy Page 4 of 30

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TURKISH NIPPON SİGORTA MY HEALTH IS YOUR INSURANCE POLICY

: 21/01/2022 : 21/01/2023 : 365 Days

In order to be able to make risk assessments and finalize compensation applications by signing the relevant documents, individuals who will be or will be covered by insurance, receive health information, insurance records and other information from the Insurance Information and Monitoring Center (SBGM), Social Security Institution, Ministry of Health, health institutions and organizations and It is deemed to have consented to be obtained from insurance companies and to share the information and records in question with the SBGM, insurance companies and authorities authorized in the relevant legislation.

12. The Insurance Company will be able to apply an additional premium to the premium of the policy for the new period, in case the policy is renewed, by looking at the Compensation Paid / Net Premium Ratio of the expired policy.

13. Türk Nippon Insurance has the right to change the contracted health institutions. Our current contracted health institutions specific to products are available at www.turknippon.com for information purposes.

14. Approval from the Provision Center must be obtained at least 48 hours before inpatient treatments can be performed in Contracted Health Institutions.

Within the scope of the Health Insurance Policy, only foreign nationals residing within the borders of the Republic of Turkey during the period the policy is in effect are accepted to the insurance, unless otherwise agreed in writing by the Insurer. Those who apply for a residence permit are deemed to be resident in Turkey. Turkish citizens cannot be insured under this product.
With this insurance, the coverages specified in the Health Insurance Package requested and approved by the Insured/Insured are provided. Babies who have completed 15 days as of the date of birth and persons under 65 years of age can be insured.
The age of the insured is found by subtracting the insured’s birth year from the start year of the insurance policy. Unless otherwise stated in the policy, only the nuclear family can be included in the same policy. Nuclear family; consists of mother, father and/or single (under 25 years old) children/adoptions.
Premiums are determined within the framework of criteria such as the age, gender, residence addresses of the insured, product coverage, and changes made in the Health Service Tariff. The insurer updates the Tariff Premium periodically, taking into account the general performance of the portfolio and each risk profile, health inflation, and other general economic changes in the country. The Insurer reserves the right to make reasonable changes in discount and/or additional premium rates and criteria as of renewal periods.

Product Code : 908 Start Date Policy/ Renewal Number : 104065147 / 0 End Date
Addendum No: 0 Duration
Agency Code/Title: 20094 / ÖZSER NEO SİGORTA BROKERASYON A.Ş.

and/or is authorized to provide and share documents.

C. GENERAL INFORMATION

1. You Have My Health Health Insurance policy is a private health insurance that is required only for short-term residence permit applications in accordance with the Law on Foreigners and International Protection, and the insured’s expenses will be covered within the policy’s special conditions. Our Company’s Health is You Health Insurance will be valid in Contracted Health Institutions and Non-Contracted Health Institutions. Contracted Institution and Non-Contracted Institution limits are also specified in the policy.

6. Additional premiums in Uninterrupted Individual Renewal policies are given in accordance with the following conditions. It is calculated by taking into account the “Compensation”/”Health Net Premium” (T/P) Ratio in the policy period of the insured.

After the policy is renewed, if the indemnity payments to be made for the previous policy period increase the premium of the renewed policy by changing the compensation / health net premium ratio of the insured, the Insurer shall request the difference premium to be incurred from the policyholder with an addendum or has the right to deduct the difference premium amount to be accrued from the compensation amount. .

7. For non-coverage cases, refer to the cases specified in the Health Insurance Special Conditions and General Conditions. Even if it is declared, the situations that are out of coverage are not covered by the policy. Changes to the Insurer “Out of Coverage”

can do.

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With this QR code, you can confirm the validity of your policy. You can use this qr code to check and confirm your policy information.

TURKISH NIPPON SİGORTA MY HEALTH IS YOUR INSURANCE POLICY

Product Code : 908 Start Date Policy/ Renewal Number : 104065147 / 0 End Date
Addendum No: 0 Duration
Agency Code/Title: 20094 / ÖZSER NEO SİGORTA BROKERASYON A.Ş.

: 21/01/2022 : 21/01/2023 : 365 Days

8. All treatments and complications related to the diseases listed below, except for the first doctor’s examination, are covered by the insurance, provided that the following waiting periods are completed (except for the red area in triage / emergency situations) after the health expenses related to outpatient and inpatient treatment are included in the insurance coverage.

The waiting periods for policies that are issued one after the other on the same date without interruption, policies with auto-renewal during the residence permit period, policies renewed from the same insurance company with an uninterrupted start from the maturity date, and new policies issued with the same insurance company, the date of the first contract. As of this date, it only applies to the first contract.
Waiting times for this product; Half of the policy period for outpatient treatment coverage, and policy for inpatient treatment coverage

about three quarters of the time. The policy period can be preferred as 1 or 2 years.

Diseases existing before the policy start date (all health expenses related to undeclared complaints, even if they have been declared or not diagnosed yet) and all diseases specified in the policy as exceptions, out of coverage are not covered even if the waiting period has expired.

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· All kinds of hernia, (umbilical, inguinal, stomach, spine, lumbar hernia, neck hernia etc.),
· Anorectal diseases (hemorrhoids, fissure, fistula, sphincterotomy, pilonidal sinus, perianal abscess and Bartholin’s abscess/cyst,
· Diseases of the uterus, cervix, ovary and tuba (ovarian cysts, fibroids, endometriosis, etc.),
· Middle ear inflammation, eardrum surgery and tube insertion, hearing surgery (tympanoplasty, stapedectomy),
· Cataract, glaucoma and retinal diseases etc.),
· Joint and ligament diseases (cartilage, synovial and ligamentous lesions, coxarthrosis, shoulder, elbow, ankle, knee,

meniscus, hip joint etc.),

· All rheumatological and autoimmune diseases, (multiple sclerosis, SLE,(Lupus)
· Sarcoidosis diagnosis and treatment expenses,
· Breast diseases,
· Tonsils, adenoid diseases and nasal polyps, sinusitis and cranial sinus diseases,
· Thyroid gland, parathyroid gland diseases and goiter,
· Diseases of spine and disc (spine and intervertebral disc diseases),
· Gallbladder, gallstones and biliary tract diseases,
· Diseases of the pancreas and spleen except as a result of accident,
· Urinary system diseases (kidney, ureter, bladder, urethra, urinary tract diseases and ESWL, dialysis related health

expenses),

· Liver diseases, (Cirrhosis, hydatid cyst etc.),
· As a result of stress incontinence, cystorectocele, prolapse uteri and deformation of female reproductive organs

all kinds of health expenditures to be incurred,

· Prostate gland diseases (including TUR),
· Trigger finger, entrapment neuropathies, carpal tunnel syndrome,
· All kinds of chronic diseases (hypertension, COPD, diabetes mellitus etc.),
· Cardiovascular system diseases, (coronary by-pass, angiography, angioplasty, aneurysm, heart valve and pacemaker,
· All kinds of varicose veins, venous insufficiency
· Stomach and esophagus diseases (gastritis, ulcer, gastroesophageal reflux etc.), small and large intestine diseases, GIS

Bleeding, disorders related to diverticulum,

· All kinds of organ failures, organ transplant diagnosis and treatment expenses,
· All endoscopic and interventional-invasive diagnostic procedures, (ERCP, laparoscopic, arthroscopic, etc. procedures.),
· Any kind of mass, lesion (tumor, lipoma, wart, verrue, nevus, polyp, nodule, etc.), cyst (hygroma, ganglia, skin, subcutaneous,

kidney, vaginal etc.)

· All kinds of cancer treatment (chemotherapy, radiotherapy, immunotherapy and other expenses)
· Neurological diseases

Original of the Policy Page 6 of 30

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With this QR code, you can confirm the validity of your policy. You can use this qr code to check and confirm your policy information.

TURKISH NIPPON SİGORTA MY HEALTH IS YOUR INSURANCE POLICY

Product Code : 908 Start Date Policy/ Renewal Number : 104065147 / 0 End Date
Addendum No: 0 Duration
Agency Code/Title: 20094 / ÖZSER NEO SİGORTA BROKERASYON A.Ş.

Red Area: Conditions that are life-threatening and require a rapid aggressive approach and urgent simultaneous evaluation and treatment. In these cases, the patient is taken to the red area without waiting. In addition, they are life-threatening conditions that need to be evaluated and treated within 10 minutes.

Emergency:
The situations defined as “Emergency” and defined by the World Health Organization (WHO) are as follows.

· Drowning in water
· Rape
· Falling from height
· Serious work accidents, limb amputations
· Electric shock
· Frostbite, frostbite
· Heat stroke
· Serious burns
· Serious eye injuries
· Poisonings
· Anaphylactic shock
· Fractures of the spine and lower – upper extremities
· Heart attack, hypertension attacks (occurring after the insurance start date) · Acute respiratory problems
· All kinds of organic defects that cause unconsciousness
· Sudden paralysis
· Severe general condition disorder
· High fever (39.5°C and above)
· Diabetic and uremic coma
Dialysis disease accompanied by poor general condition
· Acute abdomen
· Acute massive hemorrhages
· Meningitis (inflammation of the membranes surrounding the brain)
· Renal colic

9. No transfer of rights is made in the transition from this product to another health product or from another health product to this product.

· Elevation of the uvula

: 21/01/2022 : 21/01/2023 : 365 Days

10. Poliçenin iptal olması veya sigortalının poliçeden çıkması durumunda, Sigortacı’ nın sigortalıya verdiği taahhütleri son bulur. İptal işlemi için aşağıdaki koşulların sağlanmış olması halinde, sigorta ettiren tarafından düzenlenen ve içeriğinde imza, güncel tarih bulunan iptal beyanının sigortacıya ulaştırılması gerekmektedir.

• • •

•

İkamet izin süresini kapsayan yeni bir özel sağlık sigortası sözleşmesinin şirkete ibrazında,

İkamet izninin iptalinde,

5510 sayılı Sosyal sigorta ve Genel Sağlık sigortası Kanunu gereğince Genel Sağlık Sigortası kapsamına dahil olunduğunu gösterir belge ibrazında,

Ülkeden çıkış tarihini gösterir gerekli belgelerin iletilmesi halinde,

•
Bu koşulların sağlanması halinde İptal talepleri değerlendirmeye alınır.

Vefat halinde,

11. Aksi taraflarca kararlaştırılmadığı sürece sigorta poliçe süresi 1 yıldır. Bu üründe Ömür Boyu Yenileme Garantisi bulunmamaktadır. Sigorta, poliçede başlama ve sona erme tarihleri olarak yazılan günlerde, aksi kararlaştırılmadıkça, Türkiye saati ile öğlen saat 12.00’de başlar ve öğlen saat 12.00’de sona erer. Yenilemeye ilişkin sigortacının, risk değerlendirmesi yapma ve poliçeyi yenileyip

Poliçenin Aslıdır Sayfa 7 / 30

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TÜRK NİPPON SİGORTA SAĞLIĞIM SİZDE SİGORTA POLİÇESİ

Ürün Kodu : 908 Başlangıç Tarihi Poliçe/ Yenileme No : 104065147 / 0 Bitiş Tarihi
Zeyil No : 0 Süre
Acente Kod/Ünvan : 20094 / ÖZSER NEO SİGORTA BROKERLİĞİ A.Ş.

: 21/01/2022 : 21/01/2023 : 365 Gün

yenilememe hakkı saklı kalmak kaydı ile tarafların anlaşması ve Özel Şartlar’daki belirtilen koşulların varlığı halinde sigorta poliçesi aksi taraflarca kararlaştırılmadığı sürece 1 yıl süre ile yenilenebilir. Yenilemenin en geç önceki poliçenin bitiş tarihinde yapılması gereklidir. Aksi durumda Sigortacı’nın, yeni poliçe tanzim edilene kadar geçen sürede oluşan riskleri teminat altına almama hakkı saklıdır.

Sigortalının, hastalık sonucu çalışamaması nedeniyle elde edemediği kazançlar için günlük iş görememe ve sigortalı, bakıma ihtiyaç duyar duruma geldiği takdirde, bakım nedeniyle doğan giderler veya gündelik bakım parasının karşılanmasına yönelik sair giderler için poliçede teminat bulunmamaktadır.
Tarafların, sigorta genel şartlarına ek olarak, kanuna ve sigortalı aleyhine olmamak üzere özel şart kararlaştırabilme hakkı vardır.

D. TEMİNATLAR