SME Personal Accident Insurance

Why is the SME Personal Accident Insurance?

Like everyone, we want to live the way that we planned. Unfortunately, we encounter with unexpected situations. With the SME Personal Accident Insurance, you can have guarantee for accidental dearh, accidental disability and treatment expenses, so you can continue your life without interuption to your enjoyment.

Who is Eligible?

All Akbank SME and commercial customers aged 18 to 65 may benefit from the SME Personal Accident Insurance.

What is the term of SME Personal Accident Insurance?

The term of the policy is one year with automatic renewal.

What are the benefits?

Accidental Death
Accidental Permanent Disability Additional Benefit (Full&Partially)
Accidental Treatment Expenses Benefit

Package	Accidental Death	Accidental Permanent Disability Additional Benefit	Accidental Treatment Expenses Benefit
1st Package	TRY 50.000	TRY 50.000	TRY 2.500
2nd Package	TRY 75.000	TRY 75.000	TRY 3.750
3nd Package	TRY 100.000	TRY 100.000	TRY 5.000
4nd Package	TRY 150.000	TRY 150.000	TRY 7.500

How much is the premium ?

The amount of premium depends on the package.

Supplementary Benefit

Our customers, who insured themselves and their beloved ones under SME Personal Accident Insurance, can have the free supplemental Health Plan benefit with details described below! Alongside these supplemental benefits covering all of our insured, our insured who takes the 2nd Package shall Be entitled to the supplemental Check-up benefit as well.

The scope of the Health Supplemental Benefit the owners of SME Personal Accident Insurance can use

Dental Plan: Dental examination, scaling (lower and upper jaw), single tooth region x-ray and local anesthesia at contracted clinics and dentist practices shall be provided once a year free of charge. Furthermore, all dental services shall be provided at the base fee the tariff of Turkish Dental Association for the current year.
Health Plan: Discount at a rate of 5%-40% shall be provided for the services provided at approximately 600 contracted clinics and hospitals.
Eye-Ear Plan: Discount at a rate of 5%-40% shall be granted for the services provided at approximately 500 points comprising contracted physicians, clinics and hospitals.
Pharmacy Plan: Discount at a rate of 2%-20% for the medicines and cosmetics at approximately 1,000 contracted pharmacies and 25% to 45% at 80 optical centers.

Scope of the supplemental check-up benefit that can be used by the owners of SME Personal Accident Insurance

Medical Assessment: Assessment of the results by a physician
Single-Sided Chest X-Ray: Screening test of the lungs, hearth and adjacent organs.
ECG: Detection and monitoring of coronary diseases and hearth rhythm disorders
Complete Blood Count (18 Parameters): Examination and monitoring of blood diseases and diseases of the other tissue and organs
Full Urine Test: Examination of kidney, bladder and urinary tract diseases
Sedimentation: Non-specific diagnosis test of particularly infections and rheumatic diseases
Fasting Blood Glucose: Diabetes Diagnosis Test
Total cholesterol: Risk Assessment test of coronary diseases

For information regarding any plan and for appointment you can call AvivaSA Advantageous Health Services Line on 0 212 978 14 65.

House Maintenance Package

Combi Maintenance & Air Conditioner Maintenance & Carpet Washing Services

Combi Maintenance:

Combi Maintenance service shall be valid for 1 (once) a year free of charge and for only 1 (one) combi which is available in the residence address of the insured. Combi Maintenance service shall be valid for residence type condensing and non-condensing devices. In the case where more than one combi is available in the address of the insured, free of charge maintenance service shall be provided for one combi and if maintenance service is requested for also the second combi, the service shall be provided with discount. Scope of Combi Maintenance Package:

Trouble shooting
Cleaning of the dusts accumulating within the device upon dismantling the cover
Fan control
Exchanger control
Control of electrical leakage

Air Conditioner Maintenance:

Air Conditioner Maintenance service shall be valid for 1 (once) a year free of charge and for only 1 (one) air conditioner which is available in the residence address of the insured. Air Conditioner Maintenance service shall be valid for mobile, wall type, free-standing air conditioners. In the case where more than one air conditioner is available in the address of the insured, free of charge maintenance service shall be provided for one air conditioner and if maintenance service is requested for also the second air conditioner, the service shall be provided with discount. Scope of Air Conditioner Maintenance Package:

Trouble shooting
Control of electrical leakage
Measurement of gas pressure
Internal unit filter cleaning
Internal and external unit plastic box cleaning

Combi and Air Conditioner Maintenance - Exceptions:

Maintenance service shall not be provided for non-operating, broken, disassembled, malfunctioned devices or devices with inappropriate physical conditions. In the course of maintenance process, if malfunctions are detected by the service office, maintenance service shall not be continued due to reasons such as to avoid intensification of the malfunctions. In the case where the insured approves, the service officer shall provide the maintenance fee subsequent to execution of the repair of the malfunction on the basis of discounted prices. In the case where the insured desires to have the malfunction repaired by a different service, the service officer shall leave the address of the insured without executing the maintenance process. In this case, right of the Insured to benefit from the maintenance service on a different date and subsequent to repair of the malfunction, shall be reserved.
Maintenance service shall not be provided for devices at the age of 10 and more.

Combi and Air Conditioner Maintenance - Additional Information:

Combi and Air Conditioner Maintenance service shall only be provided in the residential address of the insured. In the case where the insured desires to benefit from these services in a different address, the service shall be organized with discount for the other address.
During the appointment request, questions such as whether the device has a current malfunction or not, its brand, operating time, whether it is under the warranty of the manufacturing company or not, shall be asked by AvivaSa Service Line officers.
In the case where additional transactions are required in the course of maintenance, pursuant to the approval of the insured, the service officer shall provide services with prices discounted up to 30%.
Combi and Air Conditioner Maintenance service shall be provided upon opening of cover unit of the device. For this reason, with respect to the devices within the scope of the warranty, maintenance services shall not be recommended due to the reason that the manufacturer warranty of the device will be outside the scope of the warranty. In the case where the insured desires to benefit from the maintenance service despite this information, service shall be provided upon his/her written approval.
Under normal conditions, the incoming service requests shall be fulfilled at the latest in 10 (ten) business days. The service period may vary due to extraordinary conditions, periodical workload and etc. reasons.

Carpet Washing:

Free washing service shall be valid for machine-made carpets.
The insured shall be entitled to receive free washing services once per year for carpets up to 6 square meters. With respect to carpets over 6 square meters, discounts between 5%-%30 shall be provided.
Free and discounted carpet washing services shall be valid for the carpets which are available in the residential address of the insured.
In the course of appointment request, the type of the carpet and its square meters shall be asked by AvivaSa Service Line officers.
Incoming service requests shall be fulfilled at the latest in 10 business days.

In order to receive information and appointment concerning Combi Maintenance, Air Conditioner Maintenance and Carpet Washing, please call AvivaSa Service Line from 0850 252 02 31.

Supplementary Benefit for Child Package

Child Health Consultancy

The parents may benefit from doctor consultancy services on the phone with respect to the subjects which they wonder regarding child health. *

*Within the scope of Child Health Consultancy Services, medicines shall not be recommended, prescriptions shall not be issued and comments (if available) shall not be made concerning the medicines or prescriptions. The provided consultancy services shall not be in the form of examination, diagnosis and treatment but in the form information services aimed at opinion formation and proper customer guidance. The consultancy services shall not substitute medical consultation. In cases of medical urgency, the consultancy services shall only consist of providing the relevant advice and proper guidance to emergency services.

In order to benefit from Child Health Consultancy services, please click immediately.

Pedagogue / Psychologist Consultancy

Introductory sessions with contracted pedagogues and psychologists shall be provided for free. In the case where it is desired to continue the sessions, it will be possible to benefit from discount advantages up to 30%. Within the scope of consultancy services; overcoming problems such as;

Examination anxiety, lack of concentration,
Distractibility, lack of self-confidence
Failures in school
All other subjects within the scope of psychology (Divorce process, precluding sibling jealousy, emotional and behavioral problems, crying spells, sleeping problems/ sleeping habits, thumbsucking, lying, twitches - obsessions, etc.) shall be included.

In order to benefit from Pedagogue / Psychologist Consultancy services, please click immediately.

Training Coaching

Within the scope of training coaching rendered on the phone, detailed information regarding the special school alternatives for the customer within the limits of his/her budget shall be provided. It covers all age groups until university.

In order to benefit from Training Coaching services, please click immediately.

Career Coaching

Career coaching introductory sessions for 7-12 classes, graduate students preparing for university examinations and universities shall be provided for free and other sessions shall be provided with 15% discounts. This service shall be provided on the basis of 5-session packages. In the case where face to face sessions are requested, the service shall only be provided in Istanbul province. The Career Coaching service to be received on the phone shall comprise one session and whole Turkey shall be within the scope of the service. Within the scope of the service, support regarding the below stated subjects may be received:

Preference consultancy
CV completion support
How to prepare for the business meetings, how would the dress selections be?
Enabling the student to make preferences in accordance with his/her interests and abilities
Tactics for exam preparation

In order to benefit from Career Coaching services, please click immediately.

Discounted Social Activities, Foreign Education

Discounts up to 30% shall be provided for art schools, sport schools, workshops.

In order to benefit from Discounted Social Activities, Foreign Education services, please click immediately.

Discounted Etude Centers, Language Courses, Stationeries, Publishing Houses, Summer-Winter Camps

Discounts up to 30% shall be provided in the contracted institutions.

In order to benefit from Discounted Etude Center, Language Course, Stationery, Publishing House, Summer-Winter Camp services, please click immediately.

In order to receive information and appointment concerning the supplementary benefits, please call AvivaSa Child Package Supplementary Benefits Line from 0850 252 02 31.

*Stated reimbursements and premium returns and payment of life "guarantee compensation"

**AvivaSA Emeklilik ve Hayat A.Ş. shall be entitled to amend or fully terminate the scope of "Discounts and Advantages" which are provided by it. In the case where the scope of "Discounts and Advantages" are amended or fully terminated, notification shall be made via the communication channel to be determined by AvivaSA Emeklilik ve Hayat A.Ş.

***Within the scope of Child Health Consultancy Services, medicines shall not be recommended, prescriptions shall not be issued and comments (if available) shall not be made concerning the medicines or prescriptions. The provided consultancy services shall not be in the form of examination, diagnosis and treatment but in the form information services aimed at opinion formation and proper customer guidance. The consultancy services shall not substitute medical consultation. In cases of medical urgency, the consultancy services shall only consist of providing the relevant advice and proper guidance to emergency services.

How do I get Insured?

SOCIAL MEDIA ACCOUNTS