Göndereceğiniz her bir SMS, Avea ve Turkcell aboneleri için 0,50 kr.; Vodafone aboneleri için 0,40 kr. olarak ücretlendirilecektir. Ücretlendirmeye KDV ve ÖİV dahildir. Operatörün SMS ücretinde değişiklik yapma hakkı saklıdır.

Group Critical Illness Insurance

Suffering a critical illness is a hard period both psychologically and materially. You may provide insurance coverage for your employees against material difficulties they may face during such a period and you may have them feel your support at all times.

Group Critical Illness Insurance is our product which provides payment of the benefit set forth in the policy, in case one of your employees for whom you provide insurance, suffers one of the illnesses within the scope of insurance coverage.
Features
You may provide Group Critical Illness Insurance coverage for your employees, who are at the age of 18 and above and are healthy. (*)

(*) Upper limit of age varies depending on the number of your employees. If the number of your employees ​is between 10 and 39, the maximum age limit shall be 59; if the number of employees is 40 and above, the maximum age shall be 64.

The term of insurance coverage is 1 year and it may be renewed each year to the extent that the condition of being healthy is met.

Group Critical Illness Insurance includes coverage for critical illnesses and death.

You may determine the benefit amount, depending on your expectations and preferences at the commencement date of insurance.

Illnesses within the scope of insurance coverage shall vary according to the package you prefer.

To obtain information relating to packages, please contact us​.

If a person suffers from one of the illnesses or has an operation within the scope of insurance coverage, we shall make payment in the amount of critical illness benefit you shall determine at the commencement of insurance.

In the event of death during the term of insurance, we shall make payment in the amount of death benefit you shall determine at the commencement of insurance.

If a person suffers a critical illness during the term of insurance and is paid the critical illness benefit; when death occurs, then we shall pay the difference between the death and critical illness benefits.

There is an exemption period of 3 months after the beginning of insurance. Illnesses that occur within first 3 months period after beginning of the insurance and the health problems occurring as ordinary consequence of such illnesses shall be considered as out of the scope of insurance coverage. Exemption period shall not be applied for illnesses suffered as a result of an accident.

Your employees shall be entitled to benefit if they stay alive during the survival period you select at the commencement date of insurance, after they start to suffer an illness. Survival period may be selected as 60 days or 28 days. You may also select to have no survival period in the policy. In this case, the employee shall be entitled to benefit immediately.

Medical situations existing prior to the commencement date of insurance; illnesses and operations that occur as a result of illness existing prior to the commencement date of insurance; cases where the existence of clinical symptoms of illnesses within the scope of insurance coverage, are known by the insured before the commencement date of insurance shall be considered as out of the scope of insurance coverage.

In the event that more than one illnesses within the scope of insurance coverage occurs,, payment shall be made only for once and for the first illness.

Treatment costs are not within the scope of insurance coverage.

Advantages

Tax advantage:

For detailed information regarding tax advantage and applications thereof in life insurances, please contact us.
Payments
You may pay your premiums by annually, semi-annually, quarterly or monthly payments. We may offer different payment options for your group agreement.

​You may designate the payment amount in TRY or as indexed to US Dollars or Euro. Premiums are calculated on the same currency to your benefit. Payments shall be collected in TRY, based on the foreign exchange purchase rate of the Central Bank of the Republic of Turkey on the payment date.

Currency determined at the beginning of insurance may not be changed subsequently.