Product Coverages

Disability from Illness

Product ID: turkey:HMAL
Coverage Title: Disability from Illness
Coverage Description: This coverage means a permanent disability, which prevents the insured from engaging in any job or profession, from doing any work in return for wage or profit for one hundred and eighty (180) days from the date of illness, and does not have the possibility of medical recovery at the end of the 180-day period. In the event that the insured is permanently disabled due to any illness, the amount specified in the policy is paid on the condition that the disability rate is 60% or more in the disability health report to be obtained from the state or university hospital. Congenital diseases, AIDS and its complications, diseases that started before insurance, check-up, aesthetic / cosmetic surgeries, birth and complications, mental / nervous diseases are excluded from this coverage.

Accident Medical Costs

Product ID: turkey:KTED
Coverage Title: Personal Accident
Coverage Description: It refers to the coverage that includes the treatment expenses of the insured due to an injury caused by an accident or within thirty (30) days from the date of the accident. Within the scope of this coverage, all reasonable and necessary medical expenses related to the accident are paid within one year from the date of the accident, not exceeding the annual coverage amount, if any.

Death Coverage

Product ID: turkey:VEF
Coverage Title: Death Coverage
Coverage Description: It is the guarantee paid to the beneficiary (the person benefiting from the insurance) in case the insured dies within the insurance period. In terms of death guarantee; Deaths due to air travels other than passenger, suicide, during war or due to exposure to AIDS, nuclear, biological or chemical substances are not covered by this coverage. (For all details, you can review the general conditions of life insurance on our metlife.com.tr website.)

Critical Illness

Product ID: turkey:TH13
Coverage Title: Critical Illness
Coverage Description: Critical Diseases Coverage (Cancer): The insured must have a medical diagnosis of cancer or surgical intervention or medical treatment within the scope of this disease. In this case, the insurance fee is paid to the insured, if not alive, to the beneficiary, provided that the conditions specified in the policy specific conditions are met and surviving 28 days following the diagnosis or surgical / medical intervention. Critical diseases coverage starts after the 90-day waiting period (exemption). Cancer: Malignant tumor that can be defined as the uncontrolled growth and spread of malignant cells and the invasion and destruction of normal tissue at the same time. This diagnosis should be supported by histological evidence of the presence of the malignancy and confirmed by an oncologist. Surgery, radiotherapy or chemotherapy should be required for cancer treatment. The following cancers are excluded: All tumors that are non-histologically malignant, pre-malignant, borderline malignant, low malignant potential or non-invasive, including but not limited to: Breast Carcinoma-In Situ, Cervical Dysplasia CIN-1, CIN-2, and CIN-3; Any lesion defined as carcinoma in-situ (Tis) or Ta in the AJCC Seventh TNM Classification; Any melanoma with a thickness less than or equal to 1.0 mm and defined as T1aN0M0 in the AJCC Seventh TNM Classification; All types of prostate cancer, except if histologically classified as Gleason score greater than 6 or progressed to at least T2N0M0 class in AJCC Seventh TNM Classification; Any papillary thyroid cancer with a diameter smaller than 1 cm and histologically defined as T1N0M0 in AJCC Seventh TNM Classification; Non-invasive papillary bladder cancer, histologically classified as TaN0M0 or lower in the AJCC Seventh TNM Classification; Chronic Lymphocytic Leukemia under RAI Stage 3; All tumors in case of HIV infection.

Accidental Death

Product ID: turkey:KVEF
Coverage Title: Accidental Death
Coverage Description: It means the death of the insured immediately as a result of an accident that occurred within the insurance period or within one year at the latest from the date of the accident. In this case, the right holders are paid the amount specified in the policy.

Fractures and Burns Coverage

Product ID: turkey:KYT
Coverage Title: Fractures and Burns Coverage
Coverage Description: If the injury as a result of the accident causes the insured to be exposed to any of the special fractures or burns shown in the table in the policy special conditions within 180 (one hundred and eighty) days from the date of the accident, the Company will pay the Insurance Amount for the relevant Broken or Burn to the policy specific will pay at the rates specified in the terms. The maximum amount that can be paid to the insured in any policy year will not exceed 100% of the insurance amount. In case of burn compensation claims, the percentage of body surface affected will be determined using the Nine System Rule. Only Grade 3 burns are covered. In the event of a claim for compensation for a fracture in which Osteoporosis or other bone disease was first diagnosed, the Company will subsequently not accept any other claim for any fracture related to the insured

Life Events Coverage

Product ID: turkey:PZTF
Coverage Title: Life Events Coverage
Coverage Description: It is the guarantee paid to the Insured in a single time in cases of Marriage, Moving, Birth or Graduation within the scope of the policy. Life events coverage covers the events described below and a one-time payment of 250 TL is made on a policy year basis. The exemption period is not applied in policy renewals. Exceptional situations where the coverage is out of scope are stated in 3.1. • Marriage: marriage made in the presence of officials according to the Civil Code and other relevant legislation in force in the Republic of Turkey represents. In order to qualify for marriage coverage, the Exemption Period, which must pass from the policy start date to the official marriage date, is 180 days. • Birth: Republic of Turkey Population Administration refers to the birth can be proven according to the records. In order to benefit from maternity coverage, the officially married spouse of the Insured or the Insured must not be pregnant during the insurance participation. In order to qualify for birth cover, the Exemption Period, which must pass from the policy start date to the date of birth, is 300 days. • Transport: Public or privately owned institutions an on-site depending on the service contract employees due to the official appointed by the insured runs the task, without any change in the employer, the Republic of Turkey represents a move to a different city within the boundaries. In order to be entitled to move cover, the Exemption Period that must pass from the policy start date to the move date is 180 days. • Graduation: Insured or the Insured in force in the Republic of Turkey in its population represents a child to graduate from institutions under the Higher Education Act (must be at least 4 years of university graduates are sought). The insured person or one of the children of the insured can benefit from the graduation cover. In order to qualify for graduation coverage, the Exemption Period that must pass from the policy start date to the graduation date is 180 days. Life Events Coverage Exceptions: Marriage: Marriage Guarantee claims arising from the following situations are excluded from insurance coverage: • Marriage status that occurred within the exemption period • Situations where it cannot be proven to be a formal marriage • Having received a security payment due to life events within the policy period Birth: Birth Guarantee claims arising from the following situations are excluded from insurance coverage: • Birth status within the exemption period • In cases where the insured cannot be proven to be the parent of the baby born and / or the child is not in the population of the Insured • Having received a security payment due to life events within the policy period Movement: Movement Bond claims arising from the following situations are excluded from insurance coverage: • Movement status within the exemption period • Claiming of moving costs incurred before the policy commencement date • Situations where shipping procedures cannot be proven • Situations in which it cannot be proven to be moved due to the appointment of the insured • Having received a security payment due to life events within the policy period Graduation: Graduation Guarantee requests arising from the following situations are excluded from insurance coverage: • Graduation status within the exemption period • Situations where the parent of the graduated child cannot be proven to be insured and / or the child is not in the population of the Insured • Graduation status before policy start date • Situations where graduation cannot be proven • The situation that the school of graduation is not in the definition of a 4-year school under the coverage and in accordance with the applicable laws. • Having received a security payment due to life events within the policy period

Unemployment/Critical Illness

Product ID: turkey:ISZ1
Coverage Title: Unemployment/Critical Illness
Coverage Description: a) Involuntary Unemployment: It is the guarantee paid to the insured in the event of involuntary unemployment of the employees with payroll in an employment relationship as insured under SGK or Private Pension Fund, excluding civil servants. To benefit from this coverage, the following conditions must be met: - Work depends on Turkey Employment Agency - Having worked with the same employer for at least 180 consecutive days retrospectively - Unemployment has occurred at least 90 days after the policy commencement date - Not being employed within the first 30 days of waiting period after the date of unemployment Compensation payment starts two months after the date of unemployment. The monthly loan installment for the loan debt is paid as compensation for a maximum of six months during unemployment. The compensation payment can be made in a maximum of 12 months installments for two cases of involuntary unemployment during the insurance period. In case of two unemployment, at least 180 days must have elapsed between the last installment paid for the first unemployment and the second unemployment date. b) Critical Illnesses (7 illnesses): The insured who are outside the scope of the above mentioned Involuntary Unemployment coverage benefit from this coverage. Payroll employees, except civil servants, cannot benefit from this coverage. It guarantees the medical diagnosis of the insured for the diseases listed in the table below or to undergo surgical intervention within the scope of these diseases. In this case, the fulfillment of the conditions specified in the policy special conditions and the follow-up of the diagnosis or surgical intervention are paid to the insured. Diseases covered by the coverage: "Cancer, Disease Stroke, Major Organ / Bone Marrow Transplants, First Heart Attack - Myocardial Infarction, Stroke (Loss of Limb Use), Coronary Artery Bypass Surgery, Renal Failure (Advanced Stage Kidney Disease)" Critical diseases coverage starts after the 90-day waiting period (exemption) from the policy commencement date. Illnesses existing at the beginning of the policy or caught within the first 90 days are not covered.

Weekly Accident Disability Income

Product ID: turkey:HKMGT
Coverage Title: Weekly Accident Disability Income
Coverage Description: The insured will benefit from this coverage in case of temporary injury immediately or within 90 (ninety) days from the date of the accident as a result of an accident within the insurance period. It is paid for a maximum of 104 (one hundred four) weeks as long as the temporary disability continues. If the insured is over 70 (seventy) years of age before disability, the payment period is limited to a maximum of 200 (two hundred) days. The amount subject to payment is calculated on a daily basis. Only employees under the Social Security Institution can benefit from this coverage. Those under the age of 18 (eighteen) cannot benefit from this coverage.

Unemployment/ Daily Hospital Coverage

Product ID: turkey:ISZK
Coverage Title: Unemployment/ Daily Hospital Coverage
Coverage Description: It is the guarantee paid to the insured in case of involuntary unemployment of employees who are insured under SGK or Private Pension Fund in an employment relationship. To benefit from this coverage, the following conditions must be met: - Work depends on Turkey Employment Agency - Having worked with the same employer for at least 180 consecutive days retrospectively - Unemployment has occurred at least 90 days after the policy commencement date - Not being employed within the first 30 days of waiting period after the date of unemployment Compensation payment starts two months after the date of unemployment. It is paid as compensation for a maximum of four months during unemployment. This indemnity payment can be made with a maximum of 8 monthly installments for two cases of involuntary unemployment during the insurance period. In case of two unemployment, at least 180 days must have elapsed between the last installment paid for the first unemployment and the second unemployment date. In line with the Monthly Compensation Amount package, payment is made provided that it does not exceed 50% of the monthly gross salary declared to SGK.

Disability from Accidental Causes

Product ID: turkey:KMAL
Coverage Title: Disability from Accidental Causes
Coverage Description: It means that the insured becomes permanently disabled immediately or within two years from the date of the accident as a result of an accident occurring within the insurance period. Permanent disability coverage is paid to the insured according to the permanent disability rate stated in the general conditions of personal accident insurance.

Weekly Inpatient Treatment

Product ID: turkey:HAFHA
Coverage Title: Weekly Inpatient Treatment
Coverage Description: If the insured receives inpatient treatment in a hospital under the supervision and supervision of a doctor, due to an injury or illness caused by an accident, the coverage amount is paid for each week of hospital stay for a maximum of fifty-two (52) weeks. The amount subject to payment is calculated on a daily basis. Congenital diseases, AIDS and its complications, diseases that started before insurance, check-up, aesthetic / cosmetic surgeries, birth and complications, mental / nervous diseases are excluded from this coverage.

Exemption from Premium

Product ID: turkey:PM
Coverage Title: Exemption from Premium
Coverage Description: From the moment the insured parent is exposed to the risk of death as a result of an accident or full permanent disability as a result of an accident, the insurer will pay the premiums for the existing policy and renewed policies, depending on the policy special conditions. With the activation of this coverage, no collateral, plan or payment change will be made in the policy. This coverage is valid for the continuity of the insured child's permanent disability, accident treatment expenses and assistance service-Life Support Plan coverage.

Unemployment/Temporary Unemployment

Product ID: turkey:ISZ
Coverage Title: Unemployment/Temporary Unemployment
Coverage Description: a) Involuntary Unemployment: It is the guarantee paid to the insured in case of involuntary unemployment of employees who are insured under SGK or Private Pension Fund in an employment relationship. To benefit from this coverage, the following conditions must be met: - Turkey work depending on the Employment Agency, - Having worked with the same employer for at least 180 consecutive days, - Unemployment has occurred at least 30 days after the policy commencement date, - Not being employed within the first 30 days of waiting period after the date of unemployment. Compensation payment starts two months after the date of unemployment. It is paid as compensation for a maximum of seven months during unemployment. In case of two unemployment, at least 180 days must have elapsed between the last installment paid for the first unemployment and the second unemployment date. b) Temporary Incapacity due to Accident or Illness: It is the coverage paid to the insured in the event that self-employed employees or civil servants are temporarily unable to work as a result of an accident or illness. To benefit from this coverage, the following conditions must be met: - This risk has occurred at least 30 days after the policy commencement date, - Continuing incapacity for work after the waiting period of the first 30 days after the risk occurs. Compensation payment starts after the waiting period. As long as the incapacity continues uninterrupted, it is paid as compensation for a maximum of seven months. This indemnity payment can be made with a maximum of 7-month installments for two incapacity cases during the insurance period. In the event of two possible incapacity to work, at least 180 days must have elapsed between the last installment paid for the first incapacity to work and the second incapacity date.

Disability from Accidental Causes

Product ID: turkey:KMALC
Coverage Title: Disability from Accidental Causes
Coverage Description: It refers to the permanent disability of the insured as a result of an accident or within two years from the date of the accident. Permanent disability coverage is paid to the insured according to the indemnity percentages stated in the general conditions of personal accident insurance.