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Liability of the Insurer Regarding the Coverage of Health
Expenditures
The liability of insurance companies and the Assurance Account
regarding the coverage of the health expenditures of the CTP policies
towards insured parties and right holders ends by transferring the
amount of premium determined as per the principles set forth in Article
5/2 of the Regulation to the SSI.
The Collection of Health Expenditures
The Hospitals treat victims of traffic accidents at no cost. It is suf-
ficient to provide a license plate number of one of the vehicles that has
been involved in the accident for the GHI owners, whereas it is suffi-
cient to provide any kind of proof regarding the accident for those vic-
tims who do not have GSI.
Health services rendered by the Hospitals who have contracts/pro-
tocols with the SSI shall be covered as per the provisions set forth in
the Health Application Notice (“HAN”). A system called “MEDULA”
is created for the collection of the charges of the Hospitals’ services.
With this system, all health service charges that are incurred, or are
continuing to be incurred due to traffic accidents, are recorded and
continued to be updated so that the history of costs follows the relevant
traffic accident. Through this system, the Hospitals collect the relevant
fees from the SSI. In addition, in accordance with the Circular of SSI
numbered 2015/5, the medicine expenses of the victims are covered by
SSI as well.
This data shall be forwarded to the Insurance Information and
Observation Centre (“TRAMER”) via electronic medium so that
repeating payments are avoided.
With regard to health service charges arising due to traffic acci-
dents that occur in Turkey in which vehicles bearing foreign license
plates are involved, the portion corresponding to the liability of the
Operator that bears a foreign license plate within the framework of the
Green Card Insurance shall be claimed by the Institution, from the
Bureau.
MISCELLANEOUS
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