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The Regulation covers the issues pertaining to the information and
offer, types of contracts, lifetime renewal guarantee, attendance certificate,
amendment of plan and transition operations, cancellation of the contract,
general dispositions with regard to the treatment having place subsequent
to the termination of the insurance period, tariff for the private health
insurance, obligation for employment an expert for the health related
issues and actuarial report, service purchase, information on health and
privacy of this information and other provisions pertaining to the work
principles of private health insurances and supplementary
and supportive private health products. Important provisions related
to each issue are discussed below.
Information and Offer.
Pursuant to Article 5 of the Regulation,
insurance companies established in Turkey or local branches of foreign
established insurance companies shall inform the persons requiring
private health insurance as to the subjects that may affect their decisions
to conclude an insurance contract. Insurance companies shall also help
the relevant persons during the negotiation and conclusion of the contract
to understand the technical issues related to the insurance system; provide
all information on the rights and obligations of the parties in writing or
verbally; and avoid any kind of misleading conduct on a
bona fide
basis.
Lifetime Renewal Guarantee.
According to Article 7 of the
Regulation, it is possible to renew private health insurance contracts with
the same plan. Where the insurance company
“provides a product with
a lifetime renewal guarantee, information and conditions related to the
lifetime renewal guarantee shall be determined pursuant to the conditions
of the first contract concluded”.
It should be noted that the information
and evaluation requirements must not subsequently be amended to the
detriment of the insured.
Insurance companies providing lifetime renewal guarantees for
insurance contracts shall consider the medical condition of the insured
during the term of the previous insurance contract while determining
indemnities and contributions for the new contract.
Moreover, insurance companies shall not attenuate the scope of the
indemnities due to the occurrence of diseases during the period following
the entry into force of the lifetime renewal guarantee; shall not amend