Complementary health insurance is a type of policy that allows you to receive health services in many areas such as examinations, tests, examinations and surgeries free of charge from SSIcontracted private hospitals. Complementary health insurance covers treatment costs that exceed SSI coverage premium limits and allows you to benefit from private hospitals without paying a difference fee. In this respect, we can say that it is a statesponsored health insurance that allows SSI beneficiaries to benefit from private hospitals at affordable prices.
If we give a more detailed answer to the question of what TSS is, as the name suggests, it is complementary, that is, it pays the health costs above the amount covered by the SSI in private hospitals. For example, if the examination fee is 1,000 TL in a private hospital contracted with the SSI, the SSI covers a certain percentage of this amount. Let’s say the SSI paid 300400 TL, leaving a difference of 500600 TL. The patient with SSI pays this amount from his/her own budget. Complementary health insurance covers this difference fee paid by the SSI patient and makes the examination free of charge. Those with TSS can access free examination services only by paying the 15 TL copayment fee per examination charged by the state.
Complementary health insurance is only valid in SSIcontracted hospitals and doctors. At the same time, the policy can be used in institutions contracted by the insurance company from which the TSS was purchased.
One of the Supplementary Health Insurance covers is the outpatient treatment coverage. According to the outpatient treatment coverage, medical expenses that are incurred and whose treatment lasts less than 24 hours are covered. Doctor examinations are covered under outpatient treatment. Complementary health insurance gives the right to use outpatient treatment in areas such as eye examinations, internal medicine and ear, nose and throat.
The other thing you need to know is that outpatient coverage can only be purchased in addition to inpatient coverage. In other words, you cannot buy outpatient coverage alone, you must also buy inpatient coverage. You can also check our related article to find out what outpatient treatment is.
We can list the medical expenses to be covered under the outpatient treatment coverage as follows:
There is no daily limit to benefit from health services included in the outpatient coverage. However, you may have to pay an additional fee for more than 810 examinations per year. Of course, it should be noted that this limit may vary depending on the insurance companies and the policy coverage you have issued.
In case you need to be hospitalized for 24 hours or more, inpatient treatment coverage covers the costs of hospitalization and treatment. The medical expenses you can cover with this coverage are as follows:
You can include inpatient treatment coverage alone in your Complementary Health Insurance policies. Moreover, if you wish, you can also add outpatient treatment coverage to your policy.
As with any insurance policy, you can include additional coverage such as dental insurance, psychological treatments, checkups and dieticians in your TSS policy in line with your needs.
If you are considering external health insurance, you may be torn between complementary or private health insurance. In order to save you from this indecision, we have compiled the differences between private and complementary health insurance for you:
increase the coverage of private health insurance and get health insurance that is also valid abroad.
In general, the most important factors affecting the price of insurance are coverage and coverage limits. The same applies to health insurance. In this case, insurance companies offer different additional coverage and services to their customers. You have to pay extra for each service and coverage added to the policy. In addition, the prices of the insurance offer vary according to the width of the contracted hospital network.
