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Private Health Insurance

Groupama Positive Private Health Insurance Plans protects your health and budget.

Advantages

Coverages

  • Inpatient Diagnosis and Treatment

    Groupama offers coverage for intensive care and inpatient treatment expenses for all necessary and other services, including physician, operating room, bed and food, companion, all types of medical equipment, medication, and treatment of illnesses and complications within the hospital admission and discharge period for all inpatient treatments with or without surgery.

  • Minor Procedures:

    Need to have a minor procedure? Not worries! We have it covered.

  • Room, food and companions:

    Groupama offers coverage for the room and food for each day of hospitalization as well as for the expenses related to the companion when it is medically necessary to have one in the room.

  • Intensive care:

    Groupama offers coverage for treatment expenses in the intensive care unit.

  • Outpatient Diagnosis and Treatment:

    Groupama offers coverage within the annual limits and limit reimbursement percentages stated in the policy for physician examination; medication and vaccination; all types of laboratory examinations, including X-ray; physiotherapy and rehabilitation; advanced diagnosis methods for outpatient diagnoses and treatments. The coverage also extends to advanced diagnosis methods and medical observation expenses for inpatients and outpatients.

  • Post-Hospital Outpatient Treatment:

    Groupama offers coverage for continuing post-hospital outpatient treatments within a certain period following discharge from hospital.

  • Artificial Limb and Prosthesis:

    Groupama offers coverage within the annual limits and limit reimbursement percentages stated in the current policy at the time of the incident for non-cosmetic finger, hand, arm and leg prostheses implanted to recover the functions of a limb that has lost functionality as a result of an accident or illness during the insurance period. Additionally, the coverage encompasses devices that are implanted into the body, including prosthesis expenses following breast cancer treatment, pacemakers, implantable cardiac defibrillators (ICD), cochlear implants, and in-vivo pumps used for pain. These are covered on the condition that they are proven necessary by a physician’s report. Treatments of illnesses included in the policy coverage require approval from an authorized physician.

  • Maternity:

    Coverage within the annual limits and limit reimbursement percentages stated in the policy for all inpatient treatment expenses (except expenses related to infants) with regard to normal birth, Cesarean section and pregnancy complications, are on the condition that treatment with regard to birth and/or pregnancy complications is done at the contracted healthcare institutions as included in our corporate website and as applicable in the Positive Private Health Insurance.

  • Home Care:

    Coverage is available for home nursing expenses if your physician deems necessary following a discharge from hospital. This is on the condition of physician request and approval by Groupama Sigorta.

  • Physician Examination:

    Groupama offers coverage for physician examination performed at a hospital, clinic, private clinic, or in emergencies, at home for a diagnosis and treatment due to an accident and/or illness.

  • Auxiliary Medical Equipment:

    Groupama offers coverage within the annual limits and limit reimbursement percentages stated in the policy for medical equipment for individual use. This includes braces, elastic bandages, orthopedic boots, arch support, corsets, compression socks, neck collars, knee braces, donut cushions, and hearing aids, which of which provide support to the body externally and are used only for medical purposes. It also extends to covering materials used in burn and scar treatment following an accident or illness during the insurance period. Auxiliary Medical Equipment Coverage is paid by deducting from the outpatient treatment coverage limit.

  • Incubator Coverage:

    Groupama offers coverage within the limits stated in the policy for newborn’s incubator treatment expenses. *Incubator Coverage is available for insureds who have earned the right for the Maternity Coverage upon completing one year in a policy with maternity coverage and insuring the newborn with a policy with maternity coverage within 15 day of the birth.

  • Domestic Emergency Assistance and Consulting:

    Groupama covers you for sudden life-threatening situations. Groupama offers coverage for Emergency Assistance Services* such as on-site response and hospital transfer. This service is available by calling the Emergency Assistance Hotline from within Turkish borders and within regions where the service can be provided.

  • Dental Package:

    The services described in the table below can be used without any fee or co-payment one time during the policy period. This occurs at a dental clinic or dentist after an appointment is made via the “Dental Package Hotline”. *Using these services will not affect the policy’s loss ratio and the expenses will be deducted from the policy limits.

  • VIP Check-Up:

    Groupama offers full coverage for health expenses for certain examinations at the health institutions under contract with us.

  • Check-Up PSA:

    We offer one free PSA screening service annually at the contracted healthcare institutions for male insureds aged 40 and over at the insurance start date.

  • Check-Up Mammography:

    Groupama offers coverage within the annual limit reimbursement percentage stated in the policy for one annual mammography examination, the most effective and successful early diagnosis method of breast cancer, at the contracted healthcare institutions for female insureds aged 40 and over at the insurance start date.

Plans

Groupama Positive Turquoise

Inpatient Treatment Coverage
  • 100 Percent Payment Inpatient Treatment
  • Free Biyearly VIP Check-Up
  • Post-Hospital Outpatient Treatment
  • Free Personal Accident Insurance (25,000 TL Coverage)
  • Overseas Treatment
  • Emergency Outpatient Treatment Coverage

Positive K+, K, K1, K2

No-Limit Inpatient and Limited Outpatient Treatment
  • 100 Percent Payment Inpatient Treatment
  • 80 Percent Payment Outpatient Treatment
  • 80 Percent Payment Maternity Coverage
  • Free VIP Check-Up Annually
  • Free Personal Accident Insurance (25,000 TL Coverage)
  • Overseas Coverage

Groupama Positive E

No-Limit Inpatient and No Limit Outpatient Treatment
  • 100 Percent Payment Inpatient Treatment
  • 80 Percent Payment Outpatient Treatment
  • 80 Percent Payment Maternity Coverage
  • Newborn Incubator Expenses Coverage
  • Free VIP Check-Up Annually
  • Free Personal Accident Insurance (25,000 TL Coverage)
  • Overseas Coverage*

Groupama Positive G

No-Limit Inpatient and No-Limit Outpatient Treatment
  • 100 Percent Payment Inpatient Treatment
  • 100 Percent Payment Outpatient Treatment
  • 100 Percent Payment Maternity Coverage
  • Newborn Incubator Expenses Coverage
  • Free VIP Check-Up Annually
  • Free Personal Accident Insurance (25,000 TL Coverage)
  • Overseas Coverage*

Groupama Positive F

No-Limit Inpatient and No-Limit Outpatient Treatment
  • 100 Percent Payment Inpatient Treatment
  • 80 Percent Payment Outpatient Treatment
  • Emergency Response Coverage
  • Free VIP Check-Up Annually
  • Free Personal Accident Insurance (25,000 TL Coverage)
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