3S Health Insurance System
3S Private Health Insurance
Life is certainly is full of beauty and opportunities! But the medical risks around can sometimes prevent us from enjoying these beautiful moments. To boot, they often crop up at the most inconvenient of times from a financial point of view. Wouldn’t it be great to ensure you and your loved ones have some security against these risks?
Thanks to the 3S Health Insurance System designed to meet any requirements and budget constraints, you can do away with any economic concerns you might have when it comes to medical problems, and protect yourself and your loved ones.
Visit our nearest agency and get 3S Health Insurance to start enjoying the security we offer.
You can contact our sales channels for detailed information.
*If health comes first, our wide network of medical institutions comes a close second.
Frequently Asked Questions
What is a health insurance policy?
Health insurances are those insurance products that make your life easier by providing assurance according to your chosen coverage against unexpected sudden health problems that can arise. You can get support from our nearest agency about any questions you may have with respect to health insurance coverage.
Can I choose my own plan/program?
What should I take into account when filling out the application form?
What is In-Patient Treatment Coverage and which treatment expenses does it cover?
The In-Patient Treatment Coverage provides assurances for hospital stays related to internal medicine and/or surgery, emergency medical cases that may be life-threatening for the Insured and small interventions, subject to the special and general terms of insurance, provided that such are required on a medical basis and are justified in detail by the doctor, in his or her report.
If the Insured receives in-patient treatment at a hospital the following costs shall be considered for coverage and paid for in accordance with the Special and General Terms of Insurance, in line with the coverage limit and contribution rates specified on the certificate;
- Daily room charges (up to the charges for a standard single-room)
- Food and attendant charges
- Doctor fees
- Medicines
- Operating room
- Surgeon
- Anaesthetist
- Nurse (up to standard nursing fees)
- Intensive care
- Expenses for any kind of consumables
- Chemotherapy
- Radiotherapy
- Dialysis
- Coronary angiography
- Kidney stone treatment (ESWL)
Physical therapy related to a condition within the scope of the coverage (having commenced during the hospital stay or within 3 months of it)
What is Out-Patient Treatment Coverage and which treatment expenses does it cover?
Out-Patient Treatment Coverage is not offered as a stand-alone option, but can be received alongside In-Patient Treatment Coverage.
It covers the following treatment expenses:
- Medical examination
- Prescribed medicine
- Diagnostic tests (radiology, laboratory, etc.)
- Modern diagnosis (MRI, BT, etc.)
- Physical therapy and rehabilitation
How are claims submitted under the insurance agreement reviewed and the payable figure established?
Exceptions Review: The claim will be reviewed with respect to the exclusions stated on the Insurance Agreement as well as the special exclusions, if any, introduced by the Insurer, to see if any such exclusion applies to the present case.
Service Level Review: The special exclusions, restrictions, limits, co-pay or minimum deductible limits applicable in the policy will be taken into consideration through this review.
Service type, Territory and Contracted Institution Review: The Insurer’s liability is based on the type of service, inherent emergency, territory and the type and contracted status of the service provider. The Plan/Program attached to the policy specifies all the countries where the coverage is valid and the borders of that coverage. The amount remaining once the co-payment and/or deductibles are taken from the expenses made for the medical services received from a specific provider in a given Territory, reflects the amount the Insurer is required to cover.
Overall Minimum Deductible Review: Any Overall Minimum Deductible amounts will be deducted from the Admissible Expenses identified through the previous reviews.
Overall Limit Review: Admissible Expenses identified through the previous reviews will be paid up to the overall limit.
How do I become entitled to lifelong renewal guarantee?
What is the waiting period?
What is an exclusion?
How can I make premium payments?
Can the Insurance Holder take leave for military service?
Will the treatments received at a non-contracted institution be covered?
What is the pre-authorization process for in-patient treatment procedures?
In all hospital admittances for which a pre-authorization has been received, the Insurer’s renewed authorization will be required on the 11th day, to enable the coverage of the relevant expenses incurred after the 10th day.
How long will it take to issue reimbursement for my claims?
World of Privileges
Receive services at our contracted clinics, without any contribution payments, subject to your limits!
If you visit one of our over 600 contracted doctors specialized in their relevant fields, you can get medical examination services without co-payment, subject to your policy limits.
You can check the current list of our contracted doctors by clicking here.
* You can review the general and special terms of your policy and your coverage table to see if this privilege is included in your policy or not.
Insurance without contribution fee requirement for blood analyses and imaging procedures!
With just a single phone call you can receive the services of Biruni Laboratories, Gelişim Medical Laboratories, Medilab and Synevo at your home/workplace for any blood analyses requested by your doctor, without paying co-payment and subject to your policy limits. You can also keep your claims use rates under control thanks to our affordable rate deals.
For appointments with Biruni Laboratories: 444 18 64
For appointments with Medilab: 444 29 75
For appointments with Gelişim Medical Laboratories: 0 216 349 51 51 – 0 212 231 49 67
For Synevo Laboratory: 444 6 522 (Istanbul) – 0 232 422 38 25 (İzmir) – 0 312 386 30 71 Ext: 4501 (Ankara)
* This service is offered in Istanbul, Ankara and İzmir provinces.
* Imaging services are provided by Medilab only.
** Appointments can be made six days a week (excluding Sundays) between 08:30-18:30 on a weekday or 08:30-14:00 on a Saturday.
*** Calls should be made 24 hours in advance and an appointment should be received to make use of the service.
**** You can review the general and special terms of your policy and your coverage table to see if the privilege is included in your policy or not.
Ambulance Service
MAPFRE SİGORTA Medical Claims Processing Center is at your service 7 days a week, 24 hours a day. All you have to do is call 0 850 755 0 755 – 0 from anywhere in Turkey.
This service arranges the dispatch of an ambulance and/or doctor’s visit at home in case of emergencies. In non-urgent cases, we provide the insured with Medical Counsel services, offering important recommendations.
Emergency: These are cases requiring emergency medical intervention within the first 24 hours following a sudden illness, accident, injury, or similar incidents, where life and/or medical integrity would be considered at risk in case of failure to provide urgent medical intervention or the patient’s referral to another medical provider.
* You can review the general and special terms of your policy and your coverage table to see if this privilege is included in your policy or not.
Nursing at Home Service
MAPFRE GENEL SİGORTA’s Nursing at Home Service is offered to patients requiring treatment in their own home. The service covers the provision of affordable medical services by trained and experienced medical staff at the residence or location of the patient or his or her family.
Nursing at Home Services cover a wide range of solutions from the provision of nursing care at home, to medical device or bed rental, and even to respiratory treatments at home.
The following services and advantages are offered within the framework of Nursing at Home Services:
• Home doctor
• Home nurse
• Home rehabilitation
• Medical device at home
• Intensive care at home
• Medical training at home
After the Medical Claims Processing Center approves the necessity of treatment and care at home we cover any expenses that may arise and we also offer the option to make the necessary arrangements.
* You can review the general and special terms of your policy and your coverage table to see if this privilege is included in your policy or not.
Check-Up Service
The Customer Services Department makes extensive check-up arrangements, taking into account risks which vary with age and gender, at institutions specified by MAPFRE GENEL SİGORTA.
* You can review the general and special terms of your policy and your coverage table to see if this privilege is included in your policy or not.
Newborn Nursing Service
* You can review the general and special terms of your policy and your coverage table to see if this privilege is included in your policy or not.
Relevant Documents
Information and documents you may need with respect to the product you are interested in are provided below. Should you have any questions, you can get even more detailed information by contacting our nearest agency.
General Terms of Health Insurance
Special Terms of 3S Health Insurance
Special Terms of 3S Group Health Insurance
Informatıon Form For 3S Health Insurance
Informatıon Form For 3S Group Health Insurance