Burcu Pektaş

 INSURED/INSURANT INFORMATION NAME SURNAME/TITLE: YEKTA ÇANKAYA ADDRESS: UÇAK MAH. 43017 SK. 3 1 SEYHAN SEYHAN/ADANA TAX NO: ****- LOSS PAYEE SELLER REGISTER: RISK INFORMATION GEOGRAPHICAL EXTENT: TRAVEL- EUROPE (SCHENGEN) NUMBER OF PEOPLE:1 SAGMER NO:- ASSURANCES INSURANCE COST:NET PREMIUM (TL) MEDICAL TREATMENT30,- PREMIUM PAID TOTAL NET PREMIUM: 65,71 EXPENSE TAXES: 3.29 GROSS PREMIUM: 69,00 INSURANCE PREMIUM TERMS OF PAYMENT INSTALLMENTS DATE OF PAYMENT AMOUNT PAID DEPOSIT28/07/-ST INSTALLMENT28/08/-ND INSTALLMENT28/09/2017 23.00 PAYMENT OF THE DEPOSITS Responsibility of the insurer; the advance payment of the insurance premium is decided and the payment of the first installment of the whole of the premium is decided to be paid in installments. If the premium is agreed to be paid in full or in installments, the first installment will not be paid within 30 days from the start of the policy. This policy will automatically terminate after 30 days. The insurer will not pay any installments from the following premiums. The insurer may terminate the insurance contract by using the rights to default. In the event that the insurer exercises the right of termination, the premium for the return of the insurer's liability is calculated by the day-to-day basis. If the paid premium is over the premium that the insurer is entitled to, the exceeding portion is insured and returned. If the insured premium is less than the premium it deserves, the provisions of the law of obligations apply for the difference. SPECIAL CONDITIONS AND CLAUSES GUARANTEES LIMITS 1. Injury and illness caused by medical treatment. 30.000 EUR 2. Transfer of the insured caused by injury and illness 30.000 EUR 3. Returning to permanent residence after being discharged30.000 EUR 4. Transferee of the deceased30.000 EUR 5. Extension of stay abroad due to injury and illness 200 EUR (max 5 days) 6. Travel of one of the family members due to the treatment of the insuredUnlimited 7. Accommodation of one of the family members due to the treatment of the insured. 200 EUR (max 4 days) 8. Return trip after the death of one of the family members during the journey Unlimited 9. Return trip at due to damage to the house during the journey Unlimited 10. Finding of the baggage and delivering it to the insuredUnlimited 11. Scheduled baggage loss, damage of the baggage, stolen baggage350 EUR 12. Delayed baggage100 EUR 13. Bail of legal proceedings (As a loan) 5.000 EUR 14. Organization for delivering the medicinesUnlimited 15. Transmission of urgent messages Unlimited POLICY CONDITIONS: - GENERAL CONDITIONS OF TRAVEL INSURANCE - TRAVEL HEALTH SPECIAL CONDITIONS GEOGRAPHICAL EXTENT: TRAVEL- EUROPE (SCHENGEN) EMERGENCY HELP LINE:- -Emergency phone number Orient Insurance Inc. guarantees under the special conditions of the travel health insurance policy which prevail over the general conditions and the other special conditions included in the policy, with the provision of this "Travelling Europe (Schengen Countries)" insurance policy and the payment of the insurance premium, The travel insurance services that will be needed due to incidents during the trips to be made within “the Schengen Countries “of the policy stated in the policy will be covered within the limits specified in the policy and its annexes. SPECIAL CONDITIONS -The travel insurance claim will start within 15 days of the start of the due date specified in the policy if the traveler delays the trip. The coverage period is specified in the policy. The insured who travels during the event of damage shall present a copy of the passport bearing the stamp of the country of destination to be entered in order to prove that the date of return not occurred 15 days later than the end date stated in the policy. - Medical transfers and funeral transfers are covered in the total treatment limit. - The Insured list is attached. - All of the above mentioned guarantees are valid within the territory of the country which is specified during the travel in that mentioned geographical scope which causes the purchase of the policy. The duration of the insurance is determined by the passport when the insured is out of the country. The scope of this policy will lose its validity at the moment when it is determined that the end-of-travel or insurance has entered the territory of his/her country (whichever is shorter). -In any case of emergency that covered by Travel Health (SCHENGEN COUNTRIES) that is governed by this policy, before any personal initiative the insured will contact with his / her name and surname, the policy number and policy expiry, the address of his / her place of residence and telephone number by calling this telephone number-, 24 hours a day informing the problem that encountered and the type of aid requested. DEFINITION OF EMERGENCY: The insured's sudden illness or injury between the dates of validity of the policy. For the emergency medical reasons even if there is no preapproval, the insured or/and his/her first degree relative may go to the nearest medical center where may provide emergency services. In this case, the insurer must report the status and the information of the services he/she has received abroad within a maximum of 5 days in each case. -Payment of the premium: The entire collection of the policy will be made in Turkish Liras. If not; the collection of the premium will be converted into Turkish Liras which will be based on the T.C. Merkez Bankası foreign exchange buying rate from the bank that the insurer is working with. - The limits and scopes of the above-mentioned collaterals are subject to the specific conditions, provisions, principles of application and exemptions in the booklet of “The special conditions of travel health insurance” attached. - Other conditions and application guidelines are included in the booklet of “The special conditions of travel health insurance”. GENERAL CONDITIONS 1. In case of any demand, the liability of the company depends on the condition that the insurance claiming the compensation or benefit must comply with the conditions of this policy, 2. The claim made by the insured for this policy; a) Reasonable measures will be taken to minimize the damage. b) The company has to be called as soon as possible to notify the requests specifying the benefits. c) In order to render full provision of service to the company, necessary documents (Hospital report, prescriptions, medical audit reports, receipts, invoices, etc.) has to be provided voluntarily. d) No commitment, payment, offer or responsibility will be accepted. 3. The insured shall still have to claim rights according to the system of social insurance in the country of permanent residence or, in special cases; the special systems in which these organizations or institutions substitute. The insured shall be obliged to repay the amount entitled to the benefit under this guarantee to the company 4. Business trips of the persons that operating labor with machine by hand and body continuously will be out of the scope. In this way persons without any activity on business matters will be covered by touristic and educational travel arrangements. 5. Workplaces that belong to the occupational groups listed in the 4th article and employees who take office in dangerous areas will be excluded from coverage. (E.g. engineers and accountants who works on construction site or field) 6. The Company will not be held responsible if the company cannot fulfill any of the benefits specially provided in this policy due to act of God. 7. In case of illness or injury, the insured will exempt the treating doctor from the obligation to keep his / her patient information confidential and authorize him / her to provide all evidence and information to the company. If necessary, a free access will be guaranteed to the company's doctors for all medical documentation, including health information prior to the illness or injury of the insured. 8. Company doctors should be freely able to examine the insured. The company will not be responsible for organizing the service and for the expenses if this act rejected by the insured person. GENERAL EXCEPTIONS 1) The Company will not be responsible for any case of welfare after the end of the policy. The benefits will be provided if the event of the illness or injury occurs during a policy period on a travel abroad shall be maintained until the end of the policy period or until the entry into the customs gate of the insured’s permanent country of residence (whichever is earlier) and the expenses that may occur shall not exceed the maximum security deposit. 2) The Company will not be obliged to provide any services directly or indirectly in the following cases: - Fraudulent and intentional acts of the insured or first degree family member or any other person who is in the scope of this policy. - In the course of the provision of any service covered by this policy, any kind of material / physical damage which may arise directly or indirectly is not covered by the policy. - Damages resulting from extraordinary events such as floods, earthquakes, volcanic eruptions, thunderstorms, lightning and meteor falls. - Terrorism, rebellion and uprisings. - Operation of armed forces or security forces or organizations, war. - Nuclear radioactive event, acute and chronic radiation illnesses and complications. - Baggage containing insufficient packaging, unlabeled, broken or damaged products. - Diseases and pathological conditions resulting from voluntarily consumption of alcohol, drugs, toxic substances, narcotics or medicinal products taken without any medical prescription. - Congenital diseases (Diseases formed during pregnancy and genetic factors) - Complications during pregnancy and postnatal birth or termination of pregnancy , ( The costs of medical care to save the life of the mother and / or child directly are the consequences of an acute complication in pregnancy provided that the insured pregnant woman is under 38 years of age and the 30th week of pregnancy is incomplete.), Menstrual disorders, contraceptive practices. -Non acute dental treatments - Rehabilitation treatments and physiotherapy, alternative and complementary medical treatments (massage, homeopathy, acupuncture etc.) - Any kind of cosmetic surgery, applications and related disorders. - Diseases requiring dental treatment or care within six months prior to the insurance date (this exception will not apply if the medical aid relates to rescue, survival, acute pain or compulsory medical intervention intended to prevent long-term inadequacy) - Dental treatment costs over 60 Euros. - Prostheses, contact lenses, orthopedic materials and orthesis and other bone fusion materials, eyeglasses, artificial organs. - Providing extra comforts like TV set, telephone, air conditioning, hairdresser, massage, beauty specialist in the hospital. -Treatment of a disease apart from the disease that is the cause of hospitalization. - Travels aimed for medical treatment. - Medical consultation and treatment not related to any illness or accident. - Subject travel is forbidden for medical reasons by a licensed physician - Protective vaccines, treatments and applications for prophylactic purposes - Treatments applied by non-physicians -Medical transfer or return to your homeland due to an illness or accident that can be treated on-site. - Mental illnesses, psychological disorders and injuries, physical illnesses, suicide attempts related to those. - A medical condition or an acute crisis which has occurred between the validity dates of the policy whether diagnosed or not by a competent physician beforehand. - Chronic diseases and some special diseases (sexually transmitted diseases, HIV infection, malignant diseases, tuberculosis, sarcoidosis, multiple sclerosis, epidemics) - Doing of the following sports: any kind of car or motorcycle racing, hunting activities, underwater diving using artificial lungs, strolling in international waters by sea vehicles that not designed for public passenger transport, horse riding, mountaineering, shooting exercises, boxing, any kind of wrestling, martial arts, parachuting, hot air ballooning, skydiving, paragliding and all kinds of sportive and entertainment activities considered dangerous in general. -Conditions as a result of the insured‘s participation in races, sporting activities, attendance to preparation or training tests. -Participation to competitions and tournaments organized by sports federations or similar organizations - Skiing, unless a surcharge is paid for it, - To fly an aircraft or a helicopter that does not have an authority to carry passengers in the capacity of a passenger or a crew member, riding a motorcycle. - Wounds and illnesses, resulting in criminal activities, betting. - The rescue of people in mountains, seas, deserts, canyons and caves, - Insured’s physical injuries as a result of a vehicle being used without a driver's license or handing a vehicle over to a person without a driver's license. 3) Medical transport by air ambulance from countries outside Europe. 4) The company will not be responsible for the following costs: a) Any assistance service costs occurred and issued in the name of the insured or by the insured without any authorization from the company. (If the company cannot be reached in order to obtain the approval from, the insured may go to the emergency medical center closest to him. In this case, the insured must inform the company about the condition and status of the services he / she received within maximum of 24 hours. The insured is obliged to submit the original documents and receipts inferring the case to the company. If the insured does not act within the outlines of general conditions and exceptions, no expenses for the emergency will be refunded. b) The costs occurred outside the geographical boundaries of the policy aftermath the travel’s end and the return of the insured to his/her permanent residence. c) Any assistance service received in Turkey. b) Any necessary documents (reports or documents) that are not provided for the coverage. Total number of insured persons: 1 NAME/ SURNAME/ OCCUPATION/ DATE OF BIRTH / YEKTA ÇANKAYA ÖĞRENCİ 07/02/1994 KANUNI VARISLERI INSURED/INSURANT SIGNATURE ORIENT SIGORTA INC.