What Is Personal Accident Insurance?

What Is Personal Accident Insurance?

The Personal Accident Insurance assures you and your loved ones against contingences and it stands by you in difficult periods by virtue of its coverage and indemnity amounts.

Like the expression which is known by all of us: Accidents happen without warning. However, it is possible to take our precautions against the bad scenarios. Instead of constantly worrying, by virtue of an easy step which can be taken today, your personal accident insurance policy provides financial support to you and your loved ones through the indemnity paid by it in the situations such as death, disability and treatment expenses which occur subsequent to the accident and you will never be wrapped up in the accidents.

Which constituents are comprised by the personal accident insurance, what are the indemnities and coverages included in the personal accident insurance?


Accidental Death Indemnity
This coverage constitutes the coverage which is provided against the risk of death of the insured in consequence of an accident which occurs suddenly, externally and beyond the will of the insured as from the commencement date of the policy and during the policy period.

Additional Coverage With Regard to Permanent Disability In Consequence of an Accident
This coverage constitutes the coverage which is provided against the risk of permanent disability which is caused immediately or within two years as from the accident date in terms of the insured by an accident which occurs suddenly, externally and beyond the will of the insured within the insurance period*
* The Additional Coverage With Regard to Permanent Disability In Consequence of an Accident shall be paid in cases of disability whose maximum amounts are determined in the contract in tabular form indicating the indemnity percentages which are stated in the Personal Accident Insurance General Conditions subsequent to completion of the medical treatment and determination of the permanent disability in a definite manner.
 

Coverage for Treatment Costs Due to an Accident
This coverage constitutes the coverage which indemnifies the doctor fee and medicine, radiography, bathing, massage, hospital expenses and other treatment expenses (excluding the transfer expenses) which will arise within one year in consequence of a an accident which occurs suddenly, externally and beyond the will of the insured as from the commencement date of the policy and during the policy period*.
*With respect to this coverage, the relevant payments shall be made within the maximum limits stated in the policy provided that they will be certificated by invoice and medical report.
 

Tax Advantage

By means of deducting the premiums paid by you with regard to the Personal Accident Insurance from the income tax assessment at the specified amount, you will be able to benefit from the tax advantage up to 15%. In order to receive more detailed information regarding the tax advantage, you can examine our web page named the Life Insurance Tax Advantage.

By means of deducting the premiums paid by you with regard to the Personal Accident Insurance from the income tax assessment at the specified amount, you will be able to benefit from the tax advantage up to 15%. In order to receive more detailed information regarding the tax advantage, you can examine our web page named the Life Insurance Tax Advantage.

Our customers of Take Care of Yourself Personal Accident Insurance, Akbank Personal Accident Insurance, Express Personal Accident Insurance and Advantage Plus Personal Accident Insurancewill take advantage without charge of the additional benefits of Advantageous Health Package, Child Package, Housing Package and Check-up pursuant to the scope of the package owned by them.

Scope of the Additional Benefit of “Advantageous Health Package”

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 the rate of 5%-40% shall be provided for the services provided at approximately 600 contracted clinics and hospitals.

Eye-Ear Plan:  Discount at the rate of 5%-40% shall be granted for the services provided at approximately 500 points comprising contracted physicians, clinics and hospitals.

Pharmacy Plan:  This plan provides the 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 Additional Benefit of “Home Care Package”

Services With Respect to Combi Maintenance & Air Conditioner Maintenance & Carpet Washing

Combi Maintenance
The Combi Maintenance service shall be valid free of charge for 1 (one) time per year and it shall only be applicable for 1 (one) combi which is available in the residence address of the insured. The Combi Maintenance service shall be applicable for the residence type condensing and non-condensing devices. In the case where more than one combis are available in the address of the insured, the free maintenance service shall be provided for one combi and in the case where the maintenance service is also requested for the other combi, the relevant service shall be provided with discount.
Scope of the Combi Maintenance Package:
● Trouble shooting
● Cleaning of the dusts which accumulate in the device upon dismantling of the cover
● Fan control
● Exchanger control
● Electrical leakage control

 
Air Conditioner Maintenance
The Air Conditioner Maintenance service shall be valid free of charge for 1 (one) time per year and it shall only be applicable for 1 (one) air conditioner which is available in the residence address of the insured. The Air Conditioner Maintenance service shall be valid for mobile, wall type and free-standing air conditioners. In the case where more than one air conditioners are available in the address of the insured, the free maintenance service shall be provided for one air conditioner and in the case where the maintenance service is also requested for the other air conditioner, the relevant service shall be provided with discount.
Scope of the Air Conditioner Maintenance Package:
● Trouble shooting
● Electrical leakage control
● Measurement of gas pressure
● Cleaning of internal unit filter
● Cleaning of plastic boxes in the internal and external unit

 

Exceptions With Respect to the Combi and Air Conditioner Maintenance:
● The maintenance service shall not be provided to the nonoperating, broken, disassembled, malfunctioned devices or to the devices whose physical conditions are not appropriate.
● In the case where the service official determines a malfunction in the course of the maintenance operation, the maintenance operation shall not be continued in order to avoid the intensification of malfunction, etc. reasons.
● If approved by the insured, the service official shall provide the maintenance service subsequent to executing the repair operation with respect to the malfunction on the basis of discounted prices.
● In the case where the insured wishes to have the repair operation with respect to the malfunction be conducted by another service, the service official shall leave the address of the insured without executing the maintenance operation. In this case, the right of the Insured with respect to benefiting from the maintenance service on a different date and subsequent to repair of the malfunction shall be reserved.
● The maintenance service shall not be provided to the devices at the age of 10 and above.

  Additional Information With Respect to the Combi and Air Conditioner Maintenance:
The Combi and Air Conditioner maintenance service shall only be provided in the residential address of the insured. In the case where the insured wishes to benefit from these services in a different address, the service with respect to other address shall be organized in a discounted manner..
In the course of the appointment request, whether the device has a malfunction or not, the brand, operating period of the device and whether it is under the warranty of the producer or not, etc. questions shall be asked by the officials of the AvivaSA Service Line.
In the case where an additional operation becomes necessary during the maintenance, the service official shall provide the relevant service at the prices discounted up to 30% pursuant to the approval of the insured.
The Combi and Air Conditioner Maintenance service shall be provided upon opening of the cover unit of the device. Therefore, the provision of the maintenance service is not recommended in terms of the devices under warranty for the reason that the maintenance operation excludes the device from the scope of the warranty. In the case where the insured wishes to benefit from the maintenance service despite this information, the relevant service shall be provided if the insured gives his/her written letter of consent.
In normal conditions, the received service requests are satisfied within maximum 10 (ten) business days. The specified service period can vary due to the extraordinary conditions, periodical work load density, etc. reasons.
Carpet Washing:
● The free carpet washing service shall be valid for the machine carpets.
● The insured shall be entitled to receive free washing service with regard to the carpets up to 6 square meters once per year. With respect to the carpets over 6 square meters, discounts at the rate of 5%-30% are provided.
● The 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 the appointment request, the type and square meters of the carpet shall be asked by the officials of the AvivaSA Service Line.
● The received service requests are satisfied within maximum 10 business days.

In order to obtain information and make appointments regarding the Combi Maintenance, Air Conditioner Maintenance and Carpet Washing services, you may call the AvivaSA Service Line at 0850 252 02 31.
 

Scope of the Additional Benefit of “Check-up”

Physician 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

* The coverage amount shall be as much as the Coverage Amount which is stated in the policy within the framework of the Personal Accident Insurance General Conditions.

Scope of the Additional Benefit of “Child Package”

Child Health Consultancy: You may benefit from the consultancy service of a doctor by telephone with regard to the matters that are wandered by you concerning the child heath.

*Within the context of the Child Health Consultancy Service, no medicines shall be advised and no prescriptions shall be issued and no comments shall be made with respect to the current medicines or prescriptions if available. The provided consultancy service is not in the nature of examination, diagnosis or treatment and this service only constitutes an information provision service which is aimed at formation of an opinion and canalizing the client accurately. The consultancy service shall not replace the medical consultation service. In case of medical emergencies, the consultancy service shall only consist of the provision of urgent advice regarding the emergency situation and canalization of the client to the emergency medical services.

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

Pedagogue / Psychologist Consultancy: You may benefit free of charge from the introductory session before the contracted pedagogues and psychologists. You may benefit from the discounts up to 30% if you continue the sessions.

  • Overcoming of the problems such as the examination fear, lack of concentration,
  • Distractibility, lack of self-confidence
  • Failure in school
  • All other matters which are comprised within the context of psychology (Divorce process, preclusion of child jealousy, emotional and behavioural problems, crying spells, sleep problems/sleeping habits, thumbsucking,

lying, twitches – obsessions, etc.) are within the relevant scope.

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

Training Coaching: You may benefit from the training coaching service which is provided by telephone to all age groups until the university period. You may receive information regarding the alternatives with respect to the schools to which you can send your child.

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

Career Coaching: Benefit from the introductory session of free career coaching service for your child who is preparing for the High School and University examinations.

* Other sessions are provided with 15% discounts and this service is provided through packages comprising 5 sessions. In the case where face to face sessions are requested, this service can only be provided in the province of Istanbul. The Career Coaching service which will be received by telephone consists of single session and entire Turkey is comprised within the scope of this service.

Within the scope of the service, support with regard to the below stated matters can be received:

  • Preference consultancy
  • CV completion request
  • How should we prepare for the job interviews and how would the clothing preference be made?
  • Determination of the inclination of the student and making choices pursuant to the area of interest and skills of the student
  • Exam preparation tactics

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

Discounted Social Activity, Foreign Education:  You may benefit from discounts up to 30% with respect to the art, sports, summer-winter schools and workshops.

In order to benefit from the Discounted Social Activity and Foreign Education services, please click immediately.

Discounted Study Centers, Language Course, Stationery, Publishing House, Summer-Winter camps: You may benefit from the discount up to 30% in the contracted institutions.

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

In order to obtain information and make appointments regarding the additional benefits, you may call the AvivaSA Child Package Additional Benefits Line at 0850 252 02 31.

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