With the privilege of DMAX HEALTH, Complication Insurance valid all over the world.

FAQ Health Tourism Complication Insurance

What is health tourism complication insurance?

Health Tourism Complication Insurance protects you from any increased costs that can occur after your surgery. This could be something as simple as a complication arising post-op.

When it comes to Health Tourism Complication Insurance it isn’t just about financial protection. You may find yourself needing assistance or medical-related guidance. This could be to arrange additional medical treatment, monitor your wellbeing whilst under hospital care or to come back to your surgeon for a follow up consultation if required and signed off by a doctor. Standard travel insurance policies are unlikely to cover planned medical treatment abroad.

How does Health Tourism Complication Insurance work?

Health Tourism Complication Insurance is there to reimburse you for issues related to your surgery abroad, based on the cover you selected when you purchased your policy.

There are several things that are important to note about health tourism complication insurance:

  • Health Tourism Complication Insurance is designed to cover unforeseen circumstances. This means anything that was known or ‘deemed within your control’ is automatically excluded from cover. For example, if you take out health tourism complication insurance for your holiday after a travel ban has been announced as a result of COVID-19, and needed to cancel your trip because the travel ban is still in place, your cancellation costs would not be covered by the insurer.
  • Health Tourism Complication Insurance does not cover everything. Every policy is different, with its own cover levels and conditions. Checking the policy cover before you purchase is important, and ensures that the policy meets your expectations. You’ll also know your cover rights and what kind of reimbursement you are entitled to.
  • You need to take out Health Tourism Complication Insurance as soon as your surgery is booked the time frame of cover is for the period of the surgery trip itself and claims may be made within the first 180 days after the date of the surgical procedure. The maximum duration of this policy is 180 days after the policy start date.
  • This Health Tourism Complication Insurance is valid for people between the ages of 18 and 65.
  • The death coverage in this policy relates to burial costs and repatriation.
  • To begin a claim you must provide evidence from your doctor/surgeon that you have had a complication arising from the surgical procedure for which this policy was taken out. The options are then to return to Turkey to your surgeon for additional medical intervention or where approved by the insurer you may contract for medical care in your country of residence up to a maximum amount of 7500 USD once your claim has been approved by your insurer.
  • Please refer to your policy documents to ensure you have met all your obligations when making a claim under the policy to prevent you voiding the policy.

Why do you need Health Tourism Complication Insurance?

Although Health Tourism Complication Insurance isn’t mandatory, it is still an essential part of any trip abroad for a medical procedure. Whilst we hope everything runs smoothly when you do go abroad for surgery, that is not always the reality, so it is important to have protection in place should anything arise.

What is the Health Tourism Complication Insurance cover?

It is a single trip policy.

Whilst price is an obvious factor that could influence your purchase, it is important that you look at more than just that and ensure that you protect yourself in case an issue was to arise after your surgery. We have kept the price competitive to allow our clients to protect themselves when travelling for surgery.

When is best to purchase Health Tourism Complication Insurance?

You should purchase Health Tourism Complication Insurance as soon as your surgery appointment is confirmed and your deposit paid. It’s not uncommon for people to leave it until the last minute (we get it – it’s not always a fun purchase to make), however protecting you and your finances for your trip is essential.

When is Health Tourism Complication Insurance necessary?

Health Tourism Complication Insurance is an essential accessory to your trip. Whether you are off on a short stay covering your surgery and the recommended stay time dictated by your surgeon post-op or have decided to include your surgery withing a longer stay with other holiday activities included, you still need to protect yourself and your trip. No one wants a financial loss, or to be stuck in a situation where they have no assistance and support. By taking out Health Tourism Complication Insurance you do not have to worry about any of that. It’s there to give you peace of mind should the worst happen.

How to make a claim under this policy?

The insurer may refuse to pay a claim or pay a lower indemnity if the insured has failed to comply with the following terms;

In the case of an accident or illness that results or may result in a claim the insured must notify the Assistant Services Manager as outlined in their policy documents.

In the case of an accident or illness the insured must take immediate action to get the support of a properly qualified medical doctor and must notify the Assistant Services Manager as outlined in their policy documents.  In the case of death the same procedure must be followed by the beneficiary of the insured.

The insured/beneficiary of the insured must authorise the medical advisor of the Assistant Services Manager to access all medical records, reports, notes and communications of the insured in relation to the claim.  The medical advisor should be allowed to examine the Insured/Beneficiary as deemed necessary by the Assistant Services Manager for the purpose of reviewing the claim.

A written notice of claim must be submitted to the Assistant Services Manager before any additional medical or surgery treatment is received or scheduled after any illness, complication arises covered by this policy.

Supporting documentation must be submitted by the Insured within 15 days of a request being made by the Assistant Services Manager.  Failure to do so will void the claim.