MANDATORY COMPLICATION INSURANCE
The legal responsibility for occupational accidents that may occur in the workplace is on the employer. Employer Liability Insurance covers the compensations that can be claimed from the employer by the workers or their beneficiaries, who are bound to the employer by a service contract and subject to the Social Insurance Law, and the compensation claims above and beyond the benefits provided by the Social Insurance Institution.
Mandatory Complication Insurance provides coverage against the risk of complications that may arise following surgical operations performed on foreign insured individuals receiving treatment in Türkiye. The policy is issued solely for foreign nationals and is valid within the borders of the Republic of Türkiye (excluding the T.R.N.C.).
Under the policy, complication-related coverages are valid for a period of 180 days starting from the policy inception date; cases requiring revision surgery or repetition of the operation are covered. However, early complications that occur within the first 10 days following the insured’s discharge from the hospital are excluded from coverage.
Aesthetic and Plastic Medical Procedures:
Post-abdominoplasty infection, scarring, numbness
Post-breast augmentation (Mammoplasty) capsular formation, contracture, asymmetry, sagging, nipple sensory disorder
Post-eyelid aesthetics (Blepharoplasty) hematoma, chemosis, cicatricial ectropion
Post-otoplasty stiff ear, hematoma, infection
Post-rhinoplasty drooping nasal tip, persistent curvature, nasal septum perforation
Mandatory Complication Insurance is valid only within the borders of the Republic of Türkiye. (The T.R.N.C. is not included within the scope.)
Complication-Related Coverages
Inpatient Treatment
Accommodation Expenses (up to 10 days)
Transfer Coverage
Companion Expenses
Treatment in the Home Country Coverage (if selected)
Personal Accident-Related Coverages
Accidental Death
Accidental Permanent Disability
Travel Health-Related Coverages
Emergency Medical Treatment Expenses
Emergency / Post-Discharge Medical Transportation
Repatriation of Mortal Remains to the Country of Permanent Residence
Personal Liability
Legal Expenses (as advance payment)
Bail Bond Payment (as advance payment)
GULF Insurance Assistance Services
Any health problems and all complications that may arise outside the scope of the covered procedure
All expenses related to the initial medical procedure
Any complications arising before the insured leaves their home country or after they return to their home country
Failure to comply with the doctor’s recommendations and the inability to document such compliance with a report issued by the physician who performed the medical procedure
Dissatisfaction arising from personal preference, and expenses related to its correction or revision procedures performed at the request of the insured
Complications related to any medical treatment or procedure performed other than the covered procedure
Any prior surgery / procedure related to the organ subject to the covered procedure, performed before the policy inception date
Early complications presenting symptoms within 10 days following the insured’s discharge from the hospital
Any expenses that may arise as a result of the insured being misinformed by the healthcare institution or physician
Aesthetic and Plastic Procedures are excluded, except for planned, private, and emergency cases
Expenses incurred for corrective treatment that is not medically necessary
Bleeding and uterine rupture arising in connection with vaginal enlargement procedures
