Personalized 2-in-1 Health Insurance
Private Health Insurance and complementary Health Insurance combined in a single policy!
Personalized Health Insurance and complementary Health Insurance are now brought together in one comprehensive policy. For outpatient treatments, you can benefit from complementary Health Insurance, while for inpatient treatment needs, you can access services through the Private Health Insurance medical network.
Choose the most suitable option for your needs and budget from 18 different plans, and enjoy the privilege of protecting your health with confidence while receiving high-quality healthcare services at advantageous prices under the assurance of Bupa Acıbadem Sigorta
If you want to protect your health while considering both coverage and budget, the Personalized 2-in-1 Health Insurance is designed just for you.
- You can create the most suitable policy for yourself by choosing from 18 different plans tailored to various needs and budgets.
- For outpatient treatments, you can benefit from the extensive medical service network of Complementary Health Insurance.
- For outpatient care, you may choose between 4 or 10 outpatient treatment options.
- For inpatient treatment needs, you can benefit from the comprehensive hospital and physician network offered by Private Health Insurance.
- For inpatient treatments, you can evaluate the option that suits you best among limited or unlimited coverage alternatives.
With Bupa Acıbadem Sigorta’s pioneering experience in health insurance, enjoy easy access to high-quality healthcare, protect your budget with advantageous pricing, benefit from additional services, and secure your health comprehensively and with confidence.
Why Choose the Personalized 2-in-1 Health Insurance?
- If you receive healthcare services from contracted private medical providers for your health needs,
- If you would like to benefit from the advantages of private health insurance with payments that fit your budget,
- If you want to ensure that you and your loved ones can access high-standard healthcare whenever you need it,
- If you prefer to purchase your policy from an insurance company specialized in health insurance,
Now is the perfect time to get the “Personalized 2-in-1 Health Insurance” from Bupa Acıbadem Sigorta.
Where Is the Personalized 2-in-1 Private Health Insurance Valid?
Bupa Acıbadem Sigorta offers 18 different plans for this product, tailored to your needs. The scope of medical services and the provider network may vary depending on the selected plan, allowing you to choose the option that best suits you.
Bireysel T1 Plus:This plan provides the widest medical service network, including SSI-contracted private healthcare providers across all medical branches. The network includes Yeditepe University Healthcare Group, Istanbul Medipol Hospital, Medipol Mega Hospital, and Medipol Acıbadem Regional Hospital.
Bireysel T1:This is a complementary health insurance medical network that includes SSI-contracted private healthcare providers across all branches, including Acıbadem Ankara Hospital, Acıbadem Eskişehir Hospital, and Acıbadem Kent Medical Center Bayraklı.
Bireysel T2:This plan offers a more limited medical service network compared to T1, including SSI-contracted private healthcare providers across all medical branches.
Bireysel A3:This is a private health insurance medical network that includes contracted institutions such as Acıbadem, Memorial, American Bodrum, and FNG, along with other contracted healthcare providers.
Additional Benefits Offered by the Personalized 2-in-1 Health Insurance
- senCard Membership ProgramWith your Personalized 2-in-1 Health Insurance policy, you can become a senCard member and benefit from exclusive discounts and services offered within the senCard network. You may also receive special discounts at contracted institutions for healthcare expenses that fall outside your coverage.
- senCard Discounts:You can benefit from discounts at contracted healthcare providers for medical expenses not covered under your policy.
- Insurance for Children Under 18: Children under the age of 18 can be insured individually without requiring a parent to be insured, provided that the policyholder is aged 18 or over.
- senCard Dental:You can benefit from special discounted pricing at senCard Dental clinics.
- Bupa Baby: You can benefit from the “Bupa Baby” service for your newborn, subject to the applicable terms and conditions.
- Blua Digital Health: Access fast, easy, and online healthcare solutions through Blua digital health services.
- Extensive Provider Network: Receive fast and uninterrupted healthcare services through a wide network of contracted providers across Türkiye.
- Easy Access: Easily access all insurance and healthy living services at any time through the senCard Mobile App and Individual Online Services.
1. Who Can Purchase This Product?
2. What Healthcare Needs Does This Insurance Product Cover?
3. How Is It Different from Complementary or Private Health Insurance?
4. What Is the Advantage of This Insurance Product?
5. Which Services Such as Inpatient Treatment / Outpatient Treatment / Check-Up Are Included?
6. Is It Valid Abroad?
7. Can I cancel the policy whenever I want?
For the Bupa Acıbadem health insurance that best suits your needs
Get a Quote NowClick here to view the product’s special terms and conditions.
Pursuant to Article 63 of the Income Tax Law, provided that the insurance policy is issued by a pension or insurance company operating in Türkiye: 50% of the premiums paid for endowment life insurance policies covering the policyholder, their spouse, and dependent children may be deducted from the income tax base. The full amount of premiums paid for policies covering death, accident, health, illness, disability, unemployment, maternity, childbirth, and education may be deducted from the income tax base. The total amount of premiums eligible for tax deduction may not exceed 15% of the policyholder’s monthly gross income in the month of payment, nor may it exceed the annual gross minimum wage amount on a yearly basis. Premiums exceeding these limits cannot be deducted from the income tax base.
Example:
Mr. Murat earns a gross monthly salary of TRY 10,000 from his workplace. In addition, he has a health insurance policy for himself, his spouse, and his children, requiring a total monthly premium payment of TRY 250.
In this case, the tax advantage Mr. Murat will obtain will amount to TRY 87.50 per month and TRY 1,050 annually, as detailed in the calculation below.
| No Health Insurance | With Health Insurance | |
| Monthly Gross Salary | 10.000 TL | 10.000 TL |
| Maximum Premium Amount Deductible from Tax Base (Gross Salary × 15%) | 1.500 TL | 1.500 TL |
| Annual Limit | Annual gross minimum wage | Annual gross minimum wage |
| Monthly Health Insurance Premium | - | 250 TL |
| Social Security Employee Contribution (14%) | 10.000 X %14 = 1.400 TL | 10.000 X %14 = 1.400 TL |
| Unemployment Insurance Employee Contribution (1%) | 10.000 X %1 = 100 TL | 10.000 X %1 = 100 TL |
| Income Tax Base | 8.500 TL | 8.250 TL |
| Income Tax Payable* | 2.975 TL | 2.887,5 TL |
| Monthly Tax Saving | - | 87,50 TL |
| Annual Tax Saving | - | 87,50 X 12 ay = 1.050 TL |
*Tax brackets vary on a monthly basis depending on your cumulative taxable income. In this example, the tax bracket is assumed to be 35% for the given month, and the annual tax saving is calculated by multiplying the monthly tax saving by 12.
Contracted Healthcare Providers
At contracted private healthcare providers, medical services are delivered by staff physicians who are recognized as contracted by the Social Security Institution (SSI) and fall within the scope of General Health Insurance (GHI). For healthcare expenses covered by SSI at contracted rates, payment authorization is issued by the insurer in line with the benefit schedule. The insured is responsible only for the SSI co-payment and any amounts that fall outside the scope of coverage.
Non-Contracted Healthcare Providers
In cases where the insured applies to healthcare providers that are not contracted with the Social Security Institution (SSI) but are accepted by the insurer, the following documents must be submitted to the insurance company in order to enable an assessment of the healthcare expenses incurred by the insured:
- Private Health Insurance Patient Information Form (the relevant sections must be completed and signed by the insured, the physician, and the healthcare provider where treatment was received),
- A document approved by SSI showing the amount authorized by SSI for the indemnity payment made within the scope of GSS, along with a detailed breakdown (a detailed breakdown is not mandatory for medical material invoices),
- Original invoices for all healthcare expenses and detailed invoice breakdowns (on a per-procedure basis),
- Surgical report and/or discharge summary (epicrisis report) for inpatient treatments,
- Test results related to the diagnosis of the condition,
- Original paranasal sinus tomography of the insured prior to sinus surgery,
- Official reports and documents issued by judicial authorities for any forensic incidents (including traffic accidents), such as alcohol reports, accident scene investigation reports, forensic medical reports, traffic accident determination reports, etc.
