For Women, Critical Illness Insurance, beneficial against health expenses that may arise in the presence of a feminine critical disease, offers you lump sum compensation if any critical disease is diagnosed in you and helps you and your family maintains present living standards by providing an assurance.
Critical Illness Insurance for Women offers you financial support during the period in which you may experience material and moral difficulties due to a critical illness. Moreover, by means of the coverage provided against loss of life it ensures that your loved ones feel safe regardless of the circumstances.
What is Critical Illness Insurance for Women?
Within the scope of Critical Illness Insurance for Women, coverage is provided for critical diseases of women that are commonly seen and for the risk of death of any reason. In case of catching one of these diseases during the the insurance period, critical illness coverage (half of life loss coverage) is paid to the insurance holder. If an insuree who has received Critical Illness Insurance indemnity dies in the period until thablee maturity of the policy, the total of life loss coverage determined at the beginning of the insurance coverage is paid to her legal heirs.
Critical Illness Insurance is not a health insurance. Within the scope of this insurance you benefit from lump sum payment instead of being refunded as your health expenses are incurred.
Moreover, on the basis of the package you choose, you will also benefit from “Emergency Ambulance-Health Care Consultancy Service” and “Second Opinion Service” without any payment.
Why do I need to have Critical Illness Insurance for Women?
To be able to have the best treatment in case of a critical disease,
To prevent your savings achieved over many years being spent on treatment expenses,
To prevent any difficulties that your family may face due to high health expenses,
To be able to maintain your living standards in the period in which physical work might be very challenging for you,
To make sure that the financial status of your loved ones is not affected if you pass away as a result of a disease or due to any other reason.
What is covered under the product?
Life loss coverage
Critical disease coverage
What are the diseases covered under the product?
1- Leading Cancers in Women
Fallopian tube cancer
Vaginal /vulva cancer
2- Diagnosis of cell structure changes that may cause cervical and breast cancer in the patient:
Breast Carcinoma insitu
Cervical Carcinoma insitu
3- Systemic lupus erythematous (SLE)
4- Chronic and serious rheumatoid arthritis disease
5- Severe level of osteoporosis
6- Hysterectomy due to carcinoma in situ
How is the coverage amount determined?
Critical Illness and Life Loss coverage amounts are determined on the basis of the package that you will choose at the beginning of the insurance.
There are three packages formed on the basis of the coverage amount:
|Life Loss Coverage (TL)||Critical Illness Coverage (TL)|
|Eco Package ||20,000 ||10,000 |
|Classic Package||50,000 ||25,000 |
|Special Package||100,000 ||
How much is paid in case of a critical disease?
If you contract a critical disease, the critical illness coverage amount that you determined at the beginning of the insurance is paid.
How much is paid in case of life loss?
If a life loss occurs within the insurance period, the life loss coverage amount you determined within the scope of the package selected is paid to your loved ones. If you have received critical illness coverage within the insurance period due to a critical disease and then die the life loss coverage does not change and the amount determined at the beginning of the insurance for loss of life is paid to your loved ones.
Who can benefit from this insurance?
This insurance package can be purchased by every woman who is healthy and between the ages 18 to 50.
How long is the term of insurance coverage?
The term of insurance is 1 year.
What are the advantages/additional services?
In regards to payments that you make for yourself and/or your spouse and young children, you can benefit from 15% to 35% of tax deduction depending on the tax bracket that you are currently in. Please click here to obtain detailed information on tax deduction and applications.
Your policy is automatically renewed as long as you meet the renewal conditions.
Discounts at health care institutions under agreement:
If you face with any kind of health problem, you can apply to the health care institutions that we have an agreement with and benefit from discounted rates offered. Please click here to view the list of the health care institutions under agreement.
Free of charge emergency ambulance and health care consultancy service:
If you are covered under either the classic package or special package, you have the advantage of ambulance and health care consultancy service in case of an emergency. If a situation is not classified as an emergency you can benefit from ambulance services at a 20% discounted rate. Your first degree family also receives a 20% discount for the same services regardless of whether the situation is emergency or not. Please click here to view the list of the emergency situations.
Second Opinion Service:
Second opinion service has been designed to help you get an independent opinion from health care institutions that are considered to be the worldwide specialists in the area of the disease you are diagnosed with. This service, besides giving you the chance to compare two opinions regarding your disease also helps you reach the best decision on how to proceed with your disease. You have the advantage of this service only when your coverage is based on the Special Package.
Where can I buy this product?
Critical Illness Insurance for Women can be purchased from Isbank Internet Branch.
How much will I pay?
The amount of premium changes according to your age and the coverage you choose. It is automatically calculated when you buy the insurance from our internet branch.
The amount of premium for a 35 year old person is shown below.
|Monthly Premium |
|Yearly Premium |
|Eco Package ||9,34 TL||110,61 TL|
|Classic Package||23,36 TL||276,52 TL|
|Special Package||46,72 TL||553,05 TL|