If you are wondering what this insurance is for or how it may benefit you, it is the first health insurance specifically designed for international patients coming to Turkey for medical tourism. It covers the expenses of potential complications that may occur after surgery.

With this policy, in the event that a revision surgery is required due to complications, both foreign patients and Turkish citizens living abroad are officially secured.

Moreover, thanks to our partnership with Demir Health and Life Insurance Co., you no longer need to worry about unexpected costs that may arise from complications. We provide a solid guarantee for your safety against possible risks following limb lengthening surgery.

• Inpatient Treatment Guarantee
  If a complication occurs after surgery, the costs of the revision surgery, diagnostic examinations, and necessary medicines are included in the insurance coverage.
• Plane Ticket Guarantee
  If the patient needs to return to Turkey due to a complication after going back to their home country, the economy class plane ticket is covered by the insurance.
• Treatment in the Patient’s Own Country Guarantee
  If a complication occurs after the patient returns to their country but treatment does not necessarily need to be performed in Turkey, the costs of medical treatment in the patient’s home country are covered.
  
• Voyage Policy Guarantee
  In addition to transportation expenses, the policy also covers necessary medical consultancy and ambulance transportation.
• Companion’s Expenses Guarantee
  If a companion accompanies the patient when coming to Turkey, the accommodation and transportation expenses of the companion are also included in the guarantee.
• Accommodation Guarantee
  In case of a complication after surgery, the patient’s accommodation expenses (excluding hospital stay) are included in the coverage, within the policy limits.

In addition to the guarantees mentioned above, the insurance company also covers the patient’s legal protection if required. Should the patient need legal consultancy during their stay in Turkey, the costs will be covered under the policy.

Similarly, if the patient’s passport is lost or stolen, passport renewal and the preparation of required documents are also included in the coverage.

The Health Tourism Insurance Policy for limb lengthening patients is priced at $500.

The exemptions and maximum limits of the limb lengthening insurance are presented in detail in the table below.

According to the insurance policy, the patient covers expenses up to the exemption limit, and any amount exceeding this limit is covered by the insurance company.

For example, let’s assume you experienced a complication after returning to your country, but your local doctors could not treat it, and you had to come back to Turkey for treatment. If your 1-week accommodation cost was 1200 TL, which is below the exemption limit when converted, then the patient would be responsible for covering this expense.

However, if the expenses fell between the exemption and the maximum limit, the first 200 Euros would be paid by the patient, and the remaining amount would be covered by the insurance company.

1. The expenses of the medicines that are not related to limb-lengthening surgery; rehabilitation, and the physical therapy that the patient might need after the surgery (Stem Cell Therapy, Hydrotherapy, Fractional Laser Treatment, and Electrotherapy are considered to be additional treatments, therefore, they are not covered by the insurance company. If any of these treatments are needed by the patient, the patient should cover their expenses themselves. If the patient has bought our accommodation package, hydrotherapy is covered by us as one of our additional services. You can reach detailed information about our accommodation package here.)
2. Supportive care to surgery (IV drip, supportive medicines for the regulation of blood sugar or blood pressure levels, etc.) and additional examinations that are not related to the surgery
3. If it is decided with the medical report that the patient’s rest in accommodation is arbitrary, the accommodation expenses
4. If there is one, the companion’s accommodation expenses during the hospital stay

The things that are listed above are not included in the policy coverage.

When the decision is being made for whether the complication will be covered by the insurance company or not, all the necessary documents should have been sent to the insurance company by the patient and for 10 days, the company evaluates whether it will be covered or not. You can read about this process in more detail in the Frequently Asked Questions part.

You can reach more detailed information in the FAQs part or by contacting our patient consultant.

1. For how long the policy is valid?
   The policy becomes effective once the patient’s documents are submitted to the insurance company and remains valid for 6 months. It covers complications occurring from the 7th day after surgery until the end of the 6th month.
2. Who can benefit from the policy?
   Patients between the ages of 5 and 75 are eligible.
3. How is the policy prepared for the individuals?
   The policy is issued based on the patient’s passport number.
4. How is it decided whether the expenses of the complication will be covered by the insurance company or not?
   All invoices and the medical report prepared by the doctor about the complication are submitted to the insurance company. The company evaluates the documents within 10 days. If the expenses fall between the exemption and maximum limits and the complication is deemed valid, the amount is transferred to the patient’s credit card or bank account.
5. Does the patient have to wait for the decision of the insurance company to get treated?
   No. Patients can proceed with treatment without waiting. Initially, they cover the expenses themselves, and later, if the insurance company approves the complication as covered, the same amount will be reimbursed to their credit card or bank account.
6. What kind of complications a limb-lengthening surgery patient might encounter?
   Although rare, patients may face minor issues such as pin loosening or more serious conditions like non-bone union. Our doctor is highly experienced and successful in both limb lengthening procedures and complication treatments.
7. Which documents should the patient give for the guarantee request?
   – Request letter signed by the policyholder
   – Initial surgery report
   – Consent form signed by the patient regarding complications
   – Patient’s written statement about the complication (onset, problems experienced, etc.)
   – Medical reports about the complication treatment and, if applicable, the revision surgery report
   – Original invoices for medical institutions, hotel, and transportation
   – Plane ticket showing destination and travel date
   – Photocopies of the passport (first page and entry stamp page for Turkey)
   – Policy number
8. Can the policy get canceled by the patient’s request and the insurance payment can be received back?
   Yes, if requested by the patient. However, cancellation is only possible if no medical treatment has been received in Turkey between the policy start date and the cancellation request.
9. How is the payment done when the patient gets treated in their country, how is the payment of the expenses sent to the patient?
   The medical report of the patient, the receipts, and the bank account information of the patient (Swift, IBAN) should be sent to the insurance company through the mail. The insurance company evaluates the documents in 10 days and if it provides the conditions, the company sends the payment to the patient’s bank account.

The patient must send their medical report, invoices, and bank account details (Swift, IBAN) to the insurance company by mail. The company reviews the documents within 10 days and, if valid, transfers the payment to the patient’s bank account.

All submitted documents must be notary-certified and translated into English, and both the originals and translations must be posted.