Supplementary health insurance covers all health needs 100%, from surgery expenses to doctor visits, from laboratory procedures to imaging procedures. If you are wondering what supplementary health insurance covers and what opportunities it offers you; you can fill out the form below and examine the scope of all insurance companies in detail on a single screen.
What Does Supplementary Health Insurance Cover?
Supplementary health insurance covers the costs of health services covered by inpatient and outpatient coverage. With supplementary health insurance, you only pay a 15 TL co-payment to the hospital if you receive inpatient or outpatient treatment. All remaining costs are covered 100% by your insurance company.
What is Inpatient Treatment Coverage and What Does It Cover?
It is the coverage that covers hospitalization and treatment expenses as well as emergency expenses in cases that require hospitalization for not less than 24 hours. Supplementary health insurance covers all health services you may need such as surgery, pre- and post-operative examinations, post-operative physical therapy and rehabilitation, intensive care, home care, medical supplies, chemotherapy, dialysis, artificial limbs and ambulance.
What is Outpatient Treatment Coverage and What Does It Cover?
This is the coverage used in cases that do not exceed 24 hours and do not require hospitalization. Expenses related to doctor’s examination, x-ray, MRI, endoscopy, laboratory tests and advanced diagnostic methods are covered within the scope of outpatient treatment.
You can also review detailed information about the scope of insurance companies that provide supplementary health insurance on our ” Insurance Companies ” page. Here are some companies whose coverage you can review on our Insurance Companies page:
- Allianz Supplementary Health Insurance Coverage Scope
- Axa Supplementary Health Insurance Coverage Scope
- Türkiye Supplementary Health Insurance Coverage Scope
What is Birth Coverage and What Does It Cover?
Birth coverage; In addition to inpatient and outpatient treatment coverage, it is included in the policy scope by paying an extra premium. Pregnancy and birth expenses are covered under this coverage. We recommend that you read our content below for detailed information about supplementary health insurance birth coverage.
- What is Maternity Insurance?
- Supplementary Health Insurance Maternity Package
- Can I Get Maternity Insurance While Pregnant?
- Maternity Insurance Waiting Periods
What are Free Additional Coverages and What Do They Cover?
These are additional health services that vary from insurance company to insurance company and are offered to the insured to increase the standard of the complementary health policy. You do not need to pay an extra fee to add additional coverage to the policy.
Within the scope of complementary health insurance, you can benefit from services that will provide you with additional benefits such as 24/7 medical consultancy line, online doctor, ambulance, check-up, dietician, psychologist and dental care package .
Who can get Supplementary Health Insurance?
Anyone between the ages of 0-80 who is a member of the Social Security Institution can have supplementary health insurance. The prerequisite for having supplementary health insurance is that the Social Security Institution is active. If your Social Security Institution is not active or does not exist, you can get supplementary health insurance by paying the premiums of your general health insurance yourself. In addition;
- Parents who are not SSI active can obtain supplementary health insurance for their children under the age of 18.
- People who have private health insurance can also get supplementary health insurance.
- Foreign nationals who are not Turkish citizens cannot have supplementary health insurance.
Frequently Asked Questions About Supplemental Health Insurance Coverage
We have compiled frequently asked questions about TSS coverage for you.
Does Supplemental Health Insurance Cover Surgery?
Supplementary health insurance covers surgery expenses without any limit. The most important criterion here is that the disease requiring surgery is not related to a disease that existed before the policy start date. In addition, the surgery must be within the scope of the Social Security Institution; surgery for a disease with a Health Implementation Circular (SUT) code is covered by the insurance.
Does Supplemental Health Insurance Cover MRI?
MRI is also included in the scope of supplementary health insurance. If the relevant physician deems it necessary and requests an MRI to diagnose the disease, supplementary health insurance will cover the MRI scan within the scope of outpatient treatment coverage.
Does Supplemental Health Insurance Cover Endoscopy?
Supplementary health insurance covers endoscopy services. TSS inpatient treatment insurance covers endoscopy and colonoscopy examinations. Endoscopy can usually be performed 3 months after the policy start date.
Does TSS Cover Physical Therapy?
Physical therapy is included in the scope of full-scope health insurance. Supplementary health insurance includes physical therapy expenses in the insurance, thus, physical therapy opportunity arises at private hospitals that have an agreement with TSS without paying any fee.
Does Supplementary Health Insurance Cover Check-ups?
Supplementary health insurance does not cover check-up services because this service is not included in the main coverage of the insurance. Check-up coverage is offered as a “gift” within the free additional coverage, provided that it is provided once a year.
Does Supplemental Health Insurance Cover Dietitians?
Supplementary health insurance does not cover dietitian expenses under the policy. Some insurance companies give dietitian visits to their insureds as a gift.
Does Supplemental Health Insurance Cover Nose Surgery?
Considering the general conditions of complementary health insurance; turbinate diseases and nasal valve insufficiency and all kinds of rhinoplasty are not covered. There are private health insurances that cover rhinoplasty. You can find detailed information here.
Does Supplementary Health Insurance Cover Psychologist?
Let’s answer the question “Does supplementary health insurance provide psychologist support?” immediately: Supplementary health insurance does not cover psychologist expenses. However, some insurance companies add psychological counseling service additional coverage to the policy scope.
Does Supplementary Health Insurance Provide Psychiatric Support?
Examination of psychiatric and psychological disorders, neuropsychiatric tests, examinations and treatments are all outside the scope of complementary insurance. In addition, the harm done to oneself by the person while mentally unstable or not is also outside the scope.
Can Psychiatry and Psychologist Sessions Be Covered by Supplementary Health Insurance?
In supplementary health insurance, one of the situations that are not covered by the policy is psychiatry and psychologist sessions. In addition; the damages that the person causes to himself/herself, whether he/she is mentally unstable or not, are not covered by the insurance. Injuries that occur after drinking and driving, alcohol poisoning, and the use of addictive substances such as heroin, morphine, and narcotics are not covered by the policy.
Does Supplemental Health Insurance Cover Hearing Tests?
Hearing test costs are not covered under supplementary health insurance.
Does Supplemental Health Insurance Cover Private Vaccinations?
Within the scope of supplementary health insurance; childhood vaccinations and no other special vaccination costs are covered. However, the costs of some vaccinations are covered under private health insurance . You can get an offer or read our content titled ” Private Health Insurance Vaccination Coverage ” to get information about private health insurance vaccination coverage .
Does Supplementary Health Insurance Cover Medicines? Can Prescription Medicines Be Purchased?
Supplementary health insurance does not cover medication costs. Medications prescribed by a doctor can be obtained from pharmacies free of charge or with a price difference under the Social Security Institution.
Is Supplementary Health Insurance Valid in State Hospitals?
Supplementary health insurance is not valid in state institutions and organizations. Supplementary health insurance pays the remaining difference fee from the SSI directly to the hospital in a private hospital. In short, supplementary health insurance coverage is not valid in state hospitals.
Does Supplemental Health Insurance Cover Allergy Testing?
Generally speaking, supplementary health insurance does not cover allergy testing. However, under special conditions, allergy testing may be included in the scope in some cases. This may vary depending on the special conditions of the policy.
Is Supplementary Health Insurance Valid for Private Examinations?
Supplementary health insurance is valid in places that have an agreement with SGK, private examinations are not covered. In order to benefit from supplementary health insurance rights, first the hospital and then the doctor must have an agreement with SGK.
Does Supplementary Health Insurance Cover Vitiligo?
Supplementary health insurance does not cover vitiligo. In other words, treatments resulting from vitiligo are not covered under TSS.
Does Supplementary Health Insurance Cover Vaccination Fees?
Supplementary health insurance does not cover vaccination costs. The costs of childhood and adult vaccinations are covered by private health insurance.
Does Supplemental Health Insurance Cover Hemorrhoid Surgery?
Whether or not hemorrhoid surgery, also known as piles, is covered under TSS depends on certain factors. If the disease occurred after the start date of the complementary health insurance, the expenses are covered by the insurance within the limits specified in the policy. However, if it is a disease that has been previously examined and diagnosed, it will not be considered under insurance coverage.
Does Supplemental Health Insurance Cover Biopsy?
Biopsy expenses are covered under the inpatient treatment coverage of supplementary health insurance. Before having a biopsy, be sure to get approval from your insurance company as to whether your expenses will be covered. Because if your condition that is the subject of the biopsy dates back to before the policy start date, your expenses may not be covered.
Are Occupational Diseases and Work Accidents Included in the Policy?
Occupational diseases and work accidents are covered if they occur after the supplementary health insurance start date.
Does Supplementary Health Insurance Cover Treatments Abroad?
Supplementary health insurance does not cover treatments you receive abroad. Just like the Social Security Institution, supplementary health insurance is only valid within the borders of Türkiye. As of the policy start date, your domestic treatment expenses are covered by supplementary health insurance.
What is not covered by supplementary health insurance?
Supplementary health insurance does not include any expenses that are not covered by the Social Security Institution. You can examine the answer to the question “What is not covered by supplementary health insurance?” in detail here .
Stay healthy.