How is Private Health Insurance Made? What's Covered?
When it comes to health, it is too vital to be neglected. Our health can be endangered unexpectedly or as a result of an accident. With private health insurance, you can be treated under better conditions and receive services from contracted institutions.
What Does Private Health Insurance Mean?
Private health insurance; It is a type of insurance that guarantees the health services you can benefit from within the scope of the agreement and covers the expenses of the health service that requires diagnosis and treatment for problems that may arise as a result of an unexpected illness or accident.
You can get services under better conditions in hospitals determined by private health insurance, which can be made optionally. When it comes to health, we all want to be treated in hospitals with the best doctors and the best equipment, as it is an area that cannot be neglected.
Private Health Insurance Coverage, Advantages and Application Principles
If we consider the fact that health problems can arise all of a sudden, private health insurance, which is a way to secure our tomorrow, alleviates not only our health but also the additional financial burden that may occur.
That is, when you want to have an MRI in institutions contracted with insurance, you can make an appointment weeks later. In such cases, in order not to take risks, we prefer to apply to private hospitals that do not have a queue problem and we have to pay an additional fee for the procedures we have done here. However, considering the fee paid for private health insurance, it allows us to benefit from it with a lower budget than the extra costs that may arise as a result of the health service we may need to receive during the year.
What Does Inpatient Treatment Cover?
- Inpatient treatments in which no surgical intervention (surgery) is required or required
- Limb and reconstructive prostheses within the limit
- Medical materials to be used during surgery (platinum, pacemaker, etc.)
- Dental treatment expenses incurred after a traffic accident
- Intensive care expenses
- Overseas treatment coverage
- Examination and examination expenses after chemotherapy and radiotherapy procedures
- Ambulance service
- Treatment plan given for home care
- Physical therapy applications after surgery
- Rehabilitation
- Pregnancy and maternity benefit
What is Outpatient Treatment? What's included?
Outpatient treatment; It includes interventions that do not require a 24-hour or more stay in the health institution you apply for treatment in case of any disease. The services covered by outpatient treatment are as follows:
- Examination, diagnosis and treatment to be performed by the doctor in line with your complaint
- Medication(s) to be used in the treatment recommended after the diagnosis of your disease
- Assay and X-ray required by the doctor for diagnosis
- Use of modern diagnostic devices such as MR, Tomogrophy and Scintigraphy
- It includes expenses that may arise with the physical therapy process.
Except for the services specified within the scope of outpatient and inpatient treatment, depending on the breadth of the policy; Options such as dental package, eye examination, dietician and check-up are among the health services that can be used under private health insurance.
Alternative Health Insurance Option: Complementary Health Insurance
Another type of coverage used within the scope of health insurances is complementary health insurance and should not be confused with private health insurance. Complementary health insurance; It is a type of insurance that can be preferred to prevent insured individuals from worrying about additional costs that may arise during the diagnosis, examination and treatment processes to be made in institutions contracted with the Social Security Institution (SSI). For example, IVF treatment, which is a very costly treatment method today, can be covered by complementary health insurance and the treatment cost that will arise will be covered with a much lower budget.
What is the Price of Private Health Insurance? How to Determine? (2022)
There is a price range that varies from person to person regarding private health insurance premiums. We can say that the premium fees requested for private health insurance in 2021 have changed in 2022. The premium you will have to pay will vary in the context of coverage such as the age, health status, gender and content of the policy of the person to whom the insurance will be taken.
As we mentioned in the article, services such as VIP Check-up, dental treatments cause the premium fee to be paid to change. For this reason, it is not possible to say an exact figure about the private health insurance fee for 2022 due to these variables.
How Can I Get Private Health Insurance?
If you want our competent consultants to offer you a quote to get private health insurance, you can leave your contact information on our Get a Quote page or you can get information and service by visiting our agency at the nearest point.
