1- Subject and Scope of Insurance
During the insurance period, the health expenditures of the insured and / or the diagnosis and treatment of the policyholder / disease and / or accident occurred in contracted health institutions in case of illness and / or accident, as specified in the policy; The General Conditions of Health Insurance, which are stated in the policy subject to the policy, shall be subject to the Private Health Insurance Regulations and the collateral table prepared in accordance with the application principles of the health institutions in accordance with these special conditions, subject to the guarantee, limit, payment percentage and exceptions specified in the policy.
This policy covers the minimum collateral structure set out in the Circular on Private Health Insurances to be Requested on Residence Permits dated 06.06.2014 and numbered 9.

* General Conditions of Health Insurance
Article 1- The insurer shall provide the insurers with the necessary expenses for their treatment in case of illness and / or any accidental injuries, if any, and the daily damages, if any, under the special conditions, if any, up to the amounts in the policy.

* Non-Coverage Substances
Article 2 – In case of the following conditions, the insured’s sicknesses and / or any accidental injuries are covered by the insurance period.

a) War, war or war, revolution, rebellion, uprising and internal conflicts arising from them,
b) attempting to commit a crime or attempted
c) To make the actions of the insured to expose him / herself to even a serious danger, except to save the persons and goods in danger,
d) Use of drugs such as cannabis, heroin,
e) Nuclear hazards or use of nuclear, biological and chemical weapons, or any attack or sabotage which may lead to the release of nuclear, biological and chemical substances,
f) All damages caused by biological and / or chemical contamination, contamination or poisoning that occur as a result of the acts of terrorism specified in the Anti-Terror Law No. 3713 and the sabotage resulting from such acts or as a result of the interventions by the competent authorities to prevent these actions and to reduce their effects.
g) With the sicknesses or injuries which may occur due to the attempted suicide of the insured person,
h) Other non-collateral provisions to be regulated under special policy conditions.

* Rather the Contract or the remaining out of Collateral

Article 3 – In the absence of contract, insured persons are not covered by the insurance policy and / or any accidental injuries due to the following conditions:

a) Earthquake, flood, volcano eruption and landslide.
(b) The acts of terrorism and sabotage as provided for in the Anti-Terror Law no. 3713, with the exception of the damage referred to in Article 2 (f);

* Geographical Limit of Insurance
Article 4- The geographical limits of the insurance shall be specified in the policy

Obligation of Insurance Agent to Make a Contract
Article 6- The insurer shall accept this insurance on the basis of a written declaration on the policy and its annexes unless the bidder or the tenderer has submitted a proposal. The policyholder / insured is obliged to give the correct answer to the questions asked in the supplementary documents and the complementary documents and to declare what is known from the matters that are the subject of the risk and which will be effective at the discretion of the risk. Where the policyholder / insured’s statement is unrealistic or incomplete;

a) If the policyholder / insured has cash, the insurer may withdraw from the contract within one month from the date of learning of the situation and the insured shall not pay the compensation to the insured. In case of withdrawal, the insurer is entitled to a premium.
b) If the policyholder of the policyholder / insured is not found, the insurer shall terminate the contract within one month from the date of learning of the status or shall keep the contract in force by taking the premium difference. If the policyholder / insured notifies within 8 days of not accepting the requested premium difference, the contract will be terminated. The notice of termination made by the insurer on the basis of a letter of guarantee or by a notary public shall be effective at 12.00 hours on the fifth working day following the date of notification of the policyholder / insured. The premium of the period until the date of termination is calculated on the basis of the day and the surplus is returned.
c) The right to demand the difference of rescission, termination or premium shall be reduced if not used.
d) Risk of failure of the policyholder / insured:
1- Before the insurer learns the situation or,

2- During the period of the notice of the insurer’s notice of cancellation or

3- If this notice occurs within the deadline for the notice, the insurer shall make a discount in the ratio of the accrued premium and the premium to be accrued.

Insurance Obligation
Article 7– In case the bidder does not have a proposal after the contract has been made, the policyholder is obliged to notify the insurer within 8 days at the latest if the terms declared in the policy and its annexes change. Within 8 days, if the Insurer, from the date of learning of the change, requires that this amendment not be made to the contract or more severe conditions;

1- terminates the contract or,

2- The contract shall be kept in force by requesting the difference of premium. If the policyholder declares that he does not accept the desired premium difference within 8 days, the contract will be terminated. The notice of termination made by the insurer by registered letter or by a notary public shall be effective on the fifth working day at 12.00 hours following the date of the notification of the policyholder. The date until the date of termination is calculated on the basis of the day and the surplus is returned. The right to request termination or premium difference is reduced. If the insurer who learns the change does not terminate the contract within eight days or if he / she acts in a way that he / she agrees to continue the same insurance contract as collecting the insurance premium, the right to demand termination or premium difference shall be reduced.

Payment of Insurance Premium, Initiation of Insurance Liability and Default of Insurance
Article 8- If the premium is to be paid in installments, the payment shall be paid as soon as the payment is made and the payment of the policy shall be made at the latest. Unless otherwise agreed, the liability of the insurer shall not be commenced even if the policy is paid, unless the premium or down payment is paid, and this issue shall be written on the front side of the policy. If the policyholder is to pay the insurance premium or the premium in installments by default, the default is in default unless the insurance policy is paid until the end of the day of delivery, and the insurance contract shall be terminated without any notice if the premium debt is not paid within 30 days following the date of default. In cases where it is agreed that the insurer’s liability will begin with the delivery of the policy, even though the premium has not been paid, the responsibility of the insurer continues for the first 15 days of this one month period. If it is decided to pay the premium in installments, the results of the payment of the installments on the exact payment time, amount and the due date shall be written on the policy or the policyholder shall be notified in writing with the policy. The policyholder shall be in default if he does not pay any of the premium installments stated on the policy or notified in writing by the end of the due date. If the policyholder fails to pay the premium debt within 15 days of the date of default, the insurance cover shall be stopped. If the premium debt is paid within the period of the cessation of the guarantee, provided that the risk is not realized, the guarantee shall resume from where it was placed. In case the premium debt is not paid within 15 days from the date of the loss of the insurance cover, the insurance contract shall be terminated without any obligation. Provided that the risk is written on the front side of the policy, the amount of the premium installments that have not yet been due to the amount of compensation that the insurer is obliged to pay will become due. In the event that the insurance contract is deemed to be terminated in accordance with this article, the surplus will be returned to the policyholder on the basis of the premium day corresponding to the period in which the insurer is responsible.

* Obligations of the Insured in the event of Risk
Article 9-
A) Notification of the occurrence of the risk: – The policyholder / insured is obliged to inform the insurer in writing within eight days from the date they learned that the risk has occurred or in any case they are informed. – The policyholder / insured is obliged to notify the accident or location of the accident or the location, date and reasons of the notification and also to send it to the insurer by taking a report from the treating physician showing the condition of the accident or disease and its possible consequences.
B) Initiation of treatment and taking the necessary precautions: Following the accident or disease, it is imperative to start treatment immediately, to take the necessary precautions for the wounded or the patient’s recovery. The insurer shall always have the right to examine the victim or the patient and to check his / her health, and it is obligatory to perform such inspections and controls. It is also essential to follow the recommendations that directly affect the accident or disease consequences to be made by the insurer’s physician about the recovery of the victim or patient.
The obligations set out in paragraphs (A) and (B) above; a) The rights arising from the policy shall be void if not fulfilled. b) The insurer shall not be responsible for the aggravating part if it is not carried out as a result of defect and therefore the accident and disease results become more severe.
C) Delivery of the required documents The originals of the documents showing the costs of examination, treatment, medicine and hospital which must be paid as a result of insurance or insurance accident or illness, or those who will not invite suspicion are obliged to submit to the treating physician or hospital annex to the notification and treatment forms to be filled.

Fixing Costs
Article 10- This insurance provides the insurances and the expenses incurred by the policyholder with daily compensation due to the realization of the risks that are guaranteed, up to the limits written in the policy. The insurer does not meet the requests for expenses in the following cases.

a) the costs that should not be made due to the work and the requests exceeding the reasonable amount, based on a special agreement,
b) Claims for claims contrary to the special requirements of the insurance shall be determined if the parties cannot comply with the amount of the expenses, if any, the amount of the costs to be determined by the professional bodies of the physicians, if not, from the experts, and by the so-called arbitrators, subject to the following provisions. a) If the two parties do not agree in the selection of the sole arbitrator-expert according to paragraph (b), each of the parties shall appoint his / her arbitrator-expert and shall inform the other party by a notary public. The parties shall determine the arbitrator-experts within seven days of their appointment and, before proceeding with the examination, select a third arbitrator-expert witness. The third arbitrator-expert is authorized to make decisions only within the scope of being within the limits and to be within the scope of the disputes of the parties. The third arbitrator may give the decision of the expert as a separate report or in the form of a report with other arbitrators. Referee-expert reports are also notified to the parties at the same time.
c) If either party does not appoint the arbitrator-expert within 15 days of the notification made by the other party, or if the arbitrator-experts of the party do not agree within seven days for the selection of the third arbitrator-expert, the arbitrator-expert or the third arbitrator-expert shall be
upon the request of the President of the court authorized to look at the trade cases at the treatment place, shall be selected among the impartial and expert persons.
d) Both parties have the right to request that the third arbitrator-expert be selected from outside the place where the insurer or the insured is resident or treated, whether elected by the party arbitrators or the chairman of the competent court, and this request must be fulfilled.
e) If the Referee-Expert is killed, dismissed or refused, the new Judge-Expert shall be replaced by the same procedure and shall be resumed. The death of the insured shall not terminate the duty of the appointed arbitrator. The objection to the arbitrator-experts due to the absence of specialization shall be deemed to be an objection if they are not made within seven days of the date of learning.
f) Arbitrators – experts, evidence of the amount of evidence they will see necessary for the determination; they may request records and documents and review the treatment site.
g) The decisions of the arbitrator-expert or arbitrator-expert, or the third arbitrator-expert, on the amount of the costs shall be final, binding the parties. The insurer cannot be asked for indemnity and cannot be sued for the insurer without relying on a referee-expert decision. The arbitrator-expert and his decisions can only be appealed if the decisions are clearly understood to be significantly different from the actual situation, and their cancellation may be requested within a week from the date of notification of the report, from the court authorized to view trade cases at the treatment site.
h) Unless the parties agree on the amount of compensation, the receivable shall be due with the decision of the arbitrator-expert and the time-out shall not commence the processing of the final report before the date of notification to the parties. In fact, two-year period between the appointment of arbitrators and experts and the period of notice in Article 1292 of the Turkish Commercial Code should be passed.
(i) The Parties shall pay the fees and expenses of their arbitrators. The fees and expenses of the third arbitrator shall be paid by the parties in half.
i) The determination of the cost amount does not affect the terms and conditions and provisions set forth in this policy and legislation regarding the risks, insurance fees, beginning of insurance value, right lowering and rights reduction reasons.

The Results of Compensation and the Right of Succession of the Insurer
Article 11 – The insurer shall replace the insured by the amount paid by the third party for the treatment expenses incurred.
Joint Insurance
Article 12- If the costs of treatment are provided by more than one insurer, these costs shall be shared between the insurers in proportion to their coverage.

Hidden Secrets
Article 13- If the costs of treatment are provided by more than one insurer, these costs shall be shared between the insurers in proportion to their coverage.

Notification and Notification
Article 14- If the costs of treatment are provided by more than one insurer, these costs shall be shared between the insurers in proportion to their coverage.

Authorized court
Article 15- In the cases to be filed against the insurance company due to the disputes arising from this policy, the competent court is the court in charge of looking at the commercial cases of the place of residence of the defendant in the case where the insurance company has the domicile of the insurance company center or the agency that mediated the insurance contract or the damages occur.

Time out
Article 16- All claims arising from the insurance contract are subject to a two-year statute of limitations.

Special conditions
Article 16- All claims arising from the insurance contract are subject to a two-year statute of limitations.

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