Insurance in Turkey: cost, tips for choosing and reviews

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Over the past long years, travel to Turkey has become popular among Russians. As practice shows, unpleasant situations associated with poor he alth can occur during a vacation, and a tourist can also get a banal injury. In this situation, the tourist must use pre-arranged insurance. Let us consider further the main features of the policy and the nuances that should be considered.

Do I need to buy insurance?

Many tourists who are planning their trip to Turkey are concerned about the question of whether it is necessary to buy insurance. Practice shows that novice travelers prefer to refuse such an opportunity, and experienced tourists make it without fail. What is it connected with? As they themselves note in their reviews, first of all, with the fact that insurance provides a whole range of opportunities and additional guarantees of assistance in the event of an insured event.

Persons who plan to stay within the country for moreyear, it is necessary to draw up this document without fail - such a requirement has been established since 2012.

Why do you need insurance

The main value of he alth insurance in Turkey is that the presence of this document for citizens and persons staying in the country for a long period, allows you to eliminate possible disturbances in the he alth care system of the state. Also, this document provides free access to medical services in various fields, the provision of which may be required by guests of the country during their entire stay on its territory. In other words, Russians who have taken care of obtaining insurance in Turkey in advance can afford to contact the country's medical institution at any time in order to undergo an examination and receive the necessary assistance. Medical services to such citizens are provided completely free of charge, since the cost of the policy fully covers them.

For whom insurance is mandatory

Who needs insurance in Turkey? Among such persons, in addition to citizens of the country, are those who plan their stay in the territory of the state for 12 months or more, as well as migrants who have arrived in the country for the purpose of employment. Persons who are on a business trip or to develop their own business also require an insurance policy.

Special attention in the country is drawn to those who arrived to marry a citizenTurkey, as well as those who have issued a residence permit in the country - they are also required to obtain insurance that allows them to use the full range of medical services.

What does it cover

It should be noted that insurance in Turkey covers a fairly wide range of cases, but not all situations requiring medical intervention.

Insurance, which is issued by tourists before traveling to Turkey, is able to cover all types of services that are provided in public hospitals in the country's cities. So, tourists can apply with it even for the treatment of chronic diseases. Moreover, its cost includes all medicines prescribed by the doctor. However, all of the above rules apply only to those tourists who take out state insurance. In the event that a traveler purchases a policy from a private company, as Russians often do before flying into the country, you should first consult with an agent regarding the terms of the document. As practice shows, such documents do not cover the costs associated with the treatment of chronic, venereal diseases, as well as injuries that were received as a result of participation in mass events. So, if the disease belongs to the indicated categories, then you will most likely have to pay for its treatment yourself.

Best insurance companies

Currently, there are a large number of insurance companies on the market that can offer tourists to take out insurance in Turkey. In reviews of their work,left by tourists, there is a certain list of companies that can offer the most reliable guarantees, and also have been on the market for quite a long time. Of these, Ankara Sigorta, which has been operating since 1936, is recognized as the most popular. Reviews of this company say that its big plus is the ability to provide insurance that covers almost all pharmaceutical expenses within the country. This is due to the fact that Ankara Sigorta is actively cooperating with most of the companies that exist in the Turkish market.

Acıbadem Sigorta, according to tourists from Russia, is a company that allows you to cover all medical expenses for people staying in Turkey. But that's not all. It turns out that the policy can be tracked online, which is very convenient. Acıbadem Sigorta is not the largest company, however, according to the Russians, it is very reliable.

When choosing an organization where you can purchase insurance for traveling to Turkey, many travelers recommend paying attention to the "Reliable Company" company. This organization inspires confidence in that it has been operating on the market for a long time (since 1960) and fully fulfills all its obligations to customers. It has more than 1,000 branches throughout the state, which in itself speaks of the level of organization.

The advantage of all listed companies is also that they all have a fairly wide coverage area, which means that there is a wide range of services, the cost of which is covered by the policy, andboth public and private clinics in Turkey.

About package insurance

Considering the topic of insurance in Turkey, you need to pay attention to their separate group - package offers. These offers are usually included in the cost of the tour and are offered to travelers under the guise of a mandatory element.

Reviews about this type of insurance say that they are far from the best option, as they cover the minimum number of insured events. So, the number of insured events provided for by them never includes injuries received during outdoor activities. In other words, if a tourist fails to slide down the slide in the water park and as a result gets injured, the payment for her treatment will not be covered by insurance - the traveler will have to pay from their own funds.

Medical care for package insurance, according to tourists, is of poor quality. In the comments left by tourists, it is often said that the provision of the necessary assistance to its owners is rather slow, and that confirmation from the insurance company is required for any action on the part of doctors, which, as a rule, comes after a long time.

For kids

Do I need insurance for a child in Turkey? It should be noted that its registration is not mandatory, however, if there is a desire, tourists can take care ofthe he alth of your baby in this exotic country. In the reviews of tourists about different types of policies, it is said that the best insurance option in Turkey for a child can be purchased from Euro-Center Holding (ERV). It should be noted that the policy from this company offers its customers the greatest number of options that are useful for tourists in this country. By the way, among its main elements there is no franchise. Tourists consider its cost to be a big plus of this insurance - it does not exceed that established for an adult, which is not found in the offers of other companies.

This insurance is also suitable for pregnant women, as the list of insured events covered by it includes complications that may accompany this condition.

Additional options

Insurances of the most reliable companies include not only coverage of he alth problems, but also some other options that you should pay attention to. These may include cases of loss of luggage, as well as non-departure. In addition, when studying the terms of the insurance policy, you should definitely clarify whether it covers the costs associated with accidents that occurred during active sports - in decent companies, this item is included in the policy automatically.

Cost

The price of an insurance policy may vary depending on various factors. So, among them it is necessary first of all to highlight the breadth of the list of insurancecases covered by it, as well as the duration of the policy. Moreover, the price of insurance in Turkey is affected by the gender and age of the tourist.

As practice shows, the average cost of a policy for young men is about 7000, and for women - 6200 rubles. If we consider older travelers, then the cost of their he alth insurance is about 15,000 rubles for men and the same for women.

Insurance nuances

It should be noted that there are certain nuances that must be taken into account when purchasing a policy and using it. So, experienced tourists are not advised to enter into an agreement with an insurance company if the total amount of coverage for it is less than $ 50,000. Practice shows that most prestigious companies do not make deals with a smaller amount.

In the event that, upon the occurrence of an insured event, alcohol in the blood of a tourist is found, the repayment of expenses at the expense of the policy is not provided - these are the rules.

Which insurance to choose in Turkey? Experienced tourists do not recommend using those offers, the terms of which provide for reimbursement of expenses after the traveler returns to Russia - only scammers work this way.

How to act in the event of an insured event

If insurance is issued for a trip to Turkey, the tourist must clarify the conditions for its use and the procedure for covering expenses. So, with the onset of an event covered by the UK, the vacationer must contact the assistance company and reporthappened. After that, the company must send a response indicating the hospital to which they should go. Next, the tourist must go to the indicated clinic for treatment. Payment for services provided by doctors should not be charged. In the event of any disputable situations, the tourist needs to contact the staff of the UK to clarify the issues of interest.