Outraze

Member
Medical Insurance
Can anyone advise where I can go or who to contact regarding Medical Insurance,I cant get holiday Insurance as that requires a UK address so looking for someone local .any advice gratefuly recieved
 

zozatky

Member
Medical Insurance
Do you realy need it age has a big facter here in getting decent Sigorta. I find registering with the local Goverment Hastane will pay dividens if you want more info in private PM
 

carolmon

Member
Medical Insurance
hi
i'd like to know more about registering with the local hastane, I'm in Bodrum each summer and have privater travel insurance but would like more info on the local hospitals in Bodrum.
 

zozatky

Member
Medical Insurance
hi
i'd like to know more about registering with the local hastane, I'm in Bodrum each summer and have privater travel insurance but would like more info on the local hospitals in Bodrum.
You only need to pop into the nearest Hastani to were you stay normaly a fee of tl 15 is good .They give you a form to fill in most Hastanis will have someone to help. now days most of them cover just about all main problems you might come across and are not quite bupa but on pare with the NHS but dont expect privace as its not normal here in Turkey.
 

Outraze

Member
Medical Insurance
Thank you for the good advice ,so basicaly then all I need to do is go to the Kusadasi Hospital and register with them by the sound of things,am I right in thinking that ?
 

Ms Who

aka Kym Ciftci
Medical Insurance
Sorry but I just cant agree about the local devlet hospitals. I would choose private every time insurance or no insurance.

It was the devlet Murat took me to 2 Christmases ago after a night of throwing up. I had food poisoning from chicken. The Devlet took one look at me and said 'English, Alcohol'. I ended up at one of the private clinics here after that and spent 8 hours there being flushed through!

Funny enough, last Saturday, lucky me, I managed to contract food poisoning again from Chicken!. For some mad reason Murat again takes me to the Devlet. We explain all about Salmonella and they give me an injection in the bum and start to write out a perscription telling me to go home. This time, Murat screws up the paper and chucks it at them and we end up at the little private clinic, who again, hook me up to a drip an start flushing me through with Antibiotics!

Been horizontal all week up until yesteday!

For most things, I use BSK, they are associated with Medline who do some excellent cover packages and of course, WIT members get discounted prices at BSK. Ive got the details of Medline costs somewhere so if you are interested pm me and ill email you with it. You can get BUPA here in Turkey, they did ask me to broker this for them a year or so ago but the prices are soooo expensive, I really dont think its affordable for people that live here.
 

babsgood

Deemon in disguise
Medical Insurance
using the local state hospital is not free so if you needed medical treatment it would cost although not as much as private,also when my husband used it recently he was asked to provide his Ikamet (residency permit) I'm not sure if that gets treatment at a lower rate than would be charged to tourists or not it could just be that they wanted ID in which case your passport would suffice.

My husband needed specialist medical care and that was very very expensive and so I would suggest that if you can get private insurance then you should. The local hospitals are fine for broken bones, minor accidents, medical tests etc but anything else will cost you big bucks
 

zozatky

Member
Medical Insurance
Thank you for the good advice ,so basicaly then all I need to do is go to the Kusadasi Hospital and register with them by the sound of things,am I right in thinking that ?

Thats all you need to do Muppet proof. And if by chance hope you dont have to call an Ambulance make shure you say Devlet Hastani otherwise they take you to the Private one. You will find at the Devlet its vey cheap for 99% off their Help & tests also a very good A&E. The Dolmus also will get you there .

Sorry to disagre about the devlets I say horses for courses some good some bad same in UK But from Experiance I personaly found the Kusadasi Hastani very Competant indeed
 
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Ms Who

aka Kym Ciftci
Medical Insurance
No Problem disagreeing Zozatky, everyone is entitled to their point of view. My comments are about Didim Devlet Hastane, however, I do belive it was the Kusadasi Hastane that Anne was taken to (the woman that went missing a while ago). She has broken her ankle and after being taken to Didim, they sent her onto Kusadasi. It was here they 'repaired' her leg and after around 10 days discharged her. A couple of days after that WIT got involved and she was taken to BSK because she was in Agony. The leg was still broken and there was a dirty great big hole in it. Up until last week she was still in BSK where they were putting her right. She is looking into suing Kusadasi hospital.
 
Medical Insurance
Another option is to join the Turkish health system - there have been many posts on TLF on this in the past year or so. From last October the law changed which allowed foreigners holding Residency Permits to pay into the Bag Kur part of the SGK (Turkish Social Security). Its an option for those who cant get private medical cover (for such reasons as age or previous illnesses etc). Costs are around 220TL a month for a married couple, include treatments at develet hospitals and most private hospitals (for a supplement depending on operation etc, heart by-pass for example) and also 80% reduction on drug prices at eczanes on production of prescription issued by your local clinic doctor.
 

ted j

Member
Medical Insurance
Hi Villabaris1. When you say 80% reduction on drug prices, does that include any medication you have to take everyday(Kath's diabetic) and has to take a lot of pills per day. And can you get a "repeat prescription" from your local clinic? Ted.
 

saffie

Saffie
Medical Insurance
Does anyone have any idea how much it costs per month for a single person over 55( I'm 21 really but only in my head!!!) to get this state insurance cover?

At the moment I have just a basic accident and emergency cover with Yapi kredi because the cost of full cover was astronomical for me on my limited budget. The yapi kredi cover has served me well so far,but am not getting any younger and it's something that does concern me.
 
Medical Insurance
Hi Villabaris1. When you say 80% reduction on drug prices, does that include any medication you have to take everyday(Kath's diabetic) and has to take a lot of pills per day. And can you get a "repeat prescription" from your local clinic? Ted.
It includes all types of medication including heart, blood pressure, painkillers etc etc that have to be taken daily. However it is only given out in 10-day blocks so you do have to call at the clinic every 10 days. However at 80% reduction its a small price to pay! I am told that you can get a 3-month prescription through a hospital doctors report but have not looked into that personally.
 

Ms Who

aka Kym Ciftci
Medical Insurance
Below is the medline information translated in English. I tried to upload it as an attachment but it was too large. I will contact them tomorrow and find out which is the best point of contact for English speaking enquires and let you know.

STANDART PLUS BASIC One Person 225 YTL
Additional Person 175 YTL
PRODCUT CONTENT:
 MEDICAL COUNSELLING
Regardless of the time, you can get medical counselling thru phone by dialing (0212) 444 12 12 of Alarm Center. Emergency situation or not, Medline member is informed and guided about his/her health problem by the Alarm Center doctors. Within this service, doctors don’t advise any medicine and prepare any prescription.

 EMERGENCY MEDICAL SERVICES (within 32 parametres)
• 24/7 ambulances with doctor
At Medline Alarm Center, when our doctor gets a call, first he/she tries to learn the clinical condition of the patient then guides the relative about what to do. Medline teams can treat any emergency situations like; the emergency situation that is not life threthening or emergency situation that needs resustation or a situation that needs advance life support. While reaching to the patient, they build connection among the ambulance, the hospital that they are going, the realitive and/or the patient’s doctor. Following the evaluation of patient’s condition, decision will be made to treating the patient, to treat at his/her place and/or taking him/her to the hospital. Emergency Health Services, is being provided vwith over 400 contracted company in almost whole Turkey (70 cities) and with its own teams in İstanbul, Ankara and Izmir.
• Emergency Medicine and Used Materials
Medicines and materials used during the operation.

 ADVANTAGES IN HEALTH INSTITUTIONS
Standard Plus membership provides special opportunities within whole Turkey with its modern, trusted and quality services with contracted companies. Opportunities at health institutions service provides 5% to 69% dicounts at; Hospitals, Policlinics, Diagnosis Centers and Rehabilitation Centers, Pharmacies, Optics.

 EMERGENCY TREATMENT INSURANCE ( within 27 parametres )
The payment of;
• Inner and Operational expenses
• Hospital room and meal expenses
• Emergency care expenses
• Refakatçi expenses
within limits and policy’s content to the member, if the emergency situation has been counted in 27 emergency parametres.

Persons who has A2 drivers licence and driving motorcycle for transportation or persons who has sporting activities for hobby (like; football at special fields, riding horses at weekends etc.) can also benefit from the insurance if anything emergency happens.


Emergency Operation Insurance: If an emergency condition (specified with 27 parametres) occurs and if an operational treatment and/or banking is needed; operational treatment and/or operation room, operator, anesthetist, assistance, narcosis medicines and the materials used
Emergency Inner Banking Insurance: If an emergency condition (specified with 27 parametres) occurs and if there is no need to banking; consultation and doctor fees of operational and orthopedic treatments, oxigen, anesthesis, cast, stitching, orthopedic supports which should be used thru the doctor’s guidance, bandage, wrapping etc. expenses, x-ray, lab tests, patient care services expenses
Room and Meal Insurance: If an emergency condition (specified with 27 parametres) occurs, payment for the room and meal been done for each day that the member stays in the hospital Intensive Care: If an emergency condition (specified with 27 parametres) occurs, payment for each day stayed in intensive care would be paid
Escort: Room and meal expenses of below 14 years of age is being paid due to doctor’s approval. Room and meal expenses of above 14 years of age is being paid due to insurance company’s approval.

CONDITIONS NOT INCLUDED IN THE INSURANCE
 Suicide attempt
 Decompression (plunger) sickness
 Acut Psychotic conditions
 Migren
 New born comas
 Already started birth activities
 Conditions out of 27 parametres
 Expenses of sicknesses that has been happened before the membership
 Amounts exeeds the negotiated conditions with the contracted companies
 All expenses related to HIV
 Suicide and attempt to suicide
 Expenses occured because of alcohol and drug usage
 Transverse conditions to Insurance Regulations and Health Insurance general circumstances

 PERSONAL ACCIDENT INSURANCE
If your life is at risk or going to have a permanent disablement as a result of an unexpected and sudden accident, it is a special insurance tol essen yours or your relatives financial problems.
The maximum limit with Personal Accident Insurance is; 7.000.-YTL to the insured member (According to the content of Personal Accident Insurance general and specific terms) It is under the conditions of; death after an accident and/or a permanent disablement.


STANDART PLUS One Person 275 YTL
Additional Person 195 YTL
PRODUCT CONTENT:

 MEDICAL COUNSELLING
Regardless of the time, you can get medical counselling thru phone by dialing (0212) 444 12 12 of Alarm Center. Emergency situation or not, Medline member is informed and guided about his/her health problem by the Alarm Center doctors. Within this service, doctors don’t advise any medicine and prepare any prescription.

 EMERGENCY MEDICAL SERVICES (within 32 parametres)
• 24/7 ambulances with doctor
At Medline Alarm Center, when our doctor gets a call, first he/she tries to learn the clinical condition of the patient then guides the relative about what to do. Medline teams can treat any emergency situations like; the emergency situation that is not life threthening or emergency situation that needs resustation or a situation that needs advance life support. While reaching to the patient, they build connection among the ambulance, the hospital that they are going, the realitive and/or the patient’s doctor. Following the evaluation of patient’s condition, decision will be made to treating the patient, to treat at his/her place and/or taking him/her to the hospital. Emergency Health Services, is being provided vwith over 400 contracted company in almost whole Turkey (70 cities) and with its own teams in İstanbul, Ankara and Izmir.
• Emergency Medicine and Used Materials
Medicines and materials used during the operation.

 ADVANTAGES IN HEALTH INSTITUTIONS
Standard Plus membership provides special opportunities within whole Turkey with its modern, trusted and quality services with contracted companies. Opportunities at health institutions service provides 5% to 69% dicounts at; Hospitals, Policlinics, Diagnosis Centers and Rehabilitation Centers, Pharmacies, Optics.

 EMERGENCY TREATMENT INSURANCE ( within 27 parametres )
The payment of;
• Inner and Operational expenses
• Hospital room and meal expenses
• Emergency care expenses
• Refakatçi expenses
within limits and policy’s content to the member, if the emergency situation has been counted in 27 emergency parametres.

Persons who has A2 drivers licence and driving motorcycle for transportation or persons who has sporting activities for hobby (like; football at special fields, riding horses at weekends etc.) can also benefit from the insurance if anything emergency happens.


Emergency Operation Insurance: If an emergency condition (specified with 27 parametres) occurs and if an operational treatment and/or banking is needed; operational treatment and/or operation room, operator, anesthetist, assistance, narcosis medicines and the materials used
Emergency Inner Banking Insurance: If an emergency condition (specified with 27 parametres) occurs and if there is no need to banking; consultation and doctor fees of operational and orthopedic treatments, oxigen, anesthesis, cast, stitching, orthopedic supports which should be used thru the doctor’s guidance, bandage, wrapping etc. expenses, x-ray, lab tests, patient care services expenses
Room and Meal Insurance: If an emergency condition (specified with 27 parametres) occurs, payment for the room and meal been done for each day that the member stays in the hospital Intensive Care: If an emergency condition (specified with 27 parametres) occurs, payment for each day stayed in intensive care would be paid
Escort: Room and meal expenses of below 14 years of age is being paid due to doctor’s approval. Room and meal expenses of above 14 years of age is being paid due to insurance company’s approval.

CONDITIONS NOT INCLUDED IN THE INSURANCE
 Suicide attempt
 Decompression (plunger) sickness
 Acut Psychotic conditions (disorders)
 Migren
 New born comas
 Already started birth activities
 Conditions out of 27 parametres
 Expenses of sicknesses that has been happened before the membership
 Amounts exeeds the negotiated conditions with the contracted companies
 All expenses related to HIV
 Suicide and attempt to suicide
 Expenses occured because of alcohol and drug usage
 Transverse conditions to Insurance Regulations and Health Insurance general circumstances

 PERSONAL ACCIDENT INSURANCE
If your life is at risk or going to have a permanent disablement as a result of an unexpected and sudden accident, it is a special insurance tol essen yours or your relatives financial problems.
The maximum limit with Personal Accident Insurance is; 15.000.-YTL to the insured member (According to the content of Personal Accident Insurance general and specific terms) It is under the conditions of; death after an accident and/or a permanent disablement.

EMERGENCY PARAMETRES INCLUDED IN THE INSURANCE

1. Drowning
2. Traffic Accidents
3. Terror, Sabotage, Gunshot, To be stabbed, Fight, etc.
4. Rape
5. Fall from a high place
6. Severe occupational accidents, Extremity loss
7. Electric injury
8. Cold injury
9. Heat stroke
10. Severe burns
11. Severe eye injuries
12. Poisoning
13. Severe allergic reactions, Anaphylactic reactions
14. Vertebra and lower extremity fractures
15. Myocardial infarction and Arrhythmias, Hypertensive crises
16. Acute attacks of asthma, Acute Pulmonary Disorders
17. Unconsciousness
18. Sudden strokes
19. Severe disturbances at general health status
20. High body temperature, above 39,5°C
21. Diabetic and uremic coma
22. Dialysis sickness associated with disturbances at general health status
23. Acute abdomen
24. Acute massive bleeding
25. Meningitis, Encephalitis, Brain Abscess
26. Renal Colic
27. Headaches associated with unconsciousness
 

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