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Among these types, the most problematic coverage is health
expenditures. The victims remain uncertain from whom they will col-
lect their losses. This issue is regulated under i) Article 98 of the Law,
which was amended by Article 59 of Law numbered 6111, ii) the
Regulation on Principles and Procedures for Collection of Charges for
Health Services Provided to Those Involved in Traffıc Accidents
(“Regulation”), iii) and General Terms.
The Coverage of Health Expenditures
Pursuant to Article A.5/b of the General Terms (“A.5/b”), health
expenditures are a variety of charges for all health services required for
treatment of the third party/victim due to a traffic accident, including
costs for artificial organs. According to this Article, this contains all of
the expenditures, such as caretaking, or loss of work that arises from a
traffic accident, will be made from the beginning of the treatment, until
the victim provides a permanent disability report.
As it is seen from this regulation, all types of expenses incurred
until a permanent disability report is obtained are deemed as health
expenditures. We would like to state that, in this context, apart from the
Law and Regulation, expenses incurred regarding the inability to work
until the disability report is prepared, are regulated as health expendi-
tures.
The health expenses of the insured party (Operator of the Vehicle,
the “Operator”) are not covered by CTP.
Liability of SSI
Pursuant to Article 98/1 of the Law, “
Charges for all health ser-
vices required for treatment provided by university hospitals, and all
other official and private health institutions and entities (“Hospitals”),
due to traffic accidents shall be covered by the SSI as per the princi-
ples and procedures for the repayment determined for the general
health insurance (“GHI”) insurers regardless of whether or not the
victim has a social insurance”
.
Through this Regulation, in the event of a traffic accident that
occurs in Turkey, all of the health expenditures of the victims are cov-
ered by the SSI. In this case, the fact of whether or not the victim is
MISCELLANEOUS
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