EXCLUSIONS: In addition to the Health Insurance General Provisions Article 2 the diseases and / or injuries due
to an accident of
the Policy Holder within the Insurance Period are out of the coverage for the below mentioned
situations and conditions that develop depending on these situations.
·
No indemnity will be paid
for the diagnosis and treatment of the existing diseases and existing disabilities of the Policy Holder before the commencement date of
the Insurance, the diagnosis and treatment of the congenital diseases and disabilities (being aware
or not) and the disorders that develop relatedly during the whole Insurance Period.
·
Diagnosis and
treatment of otosclerosis,
·
All
kinds of plastic surgeries except the conditions that an accident
necessitates which the Policy Holder can have from the Insurance Commencement Date on, gynaecomastia, gender reassignment surgeries and diagnosis and treatments with
aesthetical purposes, laser epilation,
laser and phototherapy applications related with all kinds
of skin diseases, treatment of varicose spider
veins (sclerosant varicosity treatment, endovenous laser
treatment,
·
Coronary Artery Calcium Score Test, Coronary VCT Angiography and all medical examinations that are specified under the Paragraph EBT (Electron Beam Tomography) in the Turkish Doctors' Union Minimum
Fee Tariff, CT Coronary Virtual Angiography and CT-based virtual colonoscopy and similar
expenses of the medical examinations with screening
purposes,
·
Eyeglasses-glasses-frame
for glasses, contact
lenses and lens
solutions , dental prosthesis and wheelchair expenses,
·
Expenses
for new methods and materials that are not widespread and / or are not proved to have
increased the success of
the treatment yet and are being applied
instead of the existing treatment
methods. Fee for Robot use and all kinds
of material expenses that are
used specific for
this method by the surgeries with Robotic Surgery Method (like Da
Vinci). Expenses for new biomedical engineering - genetic and biotechnology
based treatment and applications,
·
Expenses
of the diagnosis and
treatment of the psychiatric, psychological diseases, treatment expenses for the
psychosomatic diseases and expenses
of psychologist, pedagogue, social
service specialist etc. epilepsy,
·
Child care fees, healthy baby / child controls, expenses for premature, baby food, nappy, feeding bottle, pacifier, absorbing cotton, alcohol, eau de cologne,
thermometer, cold pack, hot
water bag, sweeteners,
·
The
doctors' examinations and laboratory / x-ray etc. applications with medical examination or protection purposes that
the Policy Holder undergoes without having any disease, the expenses that are made for the genetic screening due
to familial risk factors, costs of check-ups and vaccines (excluding influenza, hydrophobia,
tetanus and the routine vaccines of
the children between 0-6 years
that appear in the vaccine schedule
of Ministry of Health),
·
All
kinds of circumcision and their complications,
alternative medicine methods
(acupuncture, hypnosis, aromatherapy,
neural theraphy etc.),treatments
which scientific aspects has not been proved
yet, experimental treatments and
treatments that are not approved
by American Food
And Drug Administration (FDA) or medical
examinations and treatments that are assumed
to be still under experimental stage, obesity, applications
for weight gaining purposes
and expenses made in foot care centers, cures at thermal springs, massage expenses, dietitian, mud baths, weight loss
centers, gymnastics centers and all kinds
of expenses at similar places,
expenses for voice and speaking therapies,
·
Abortion
expenses that are made
without medical reasons, sterilization (tubal ligation, vasectomy etc.), implant contraceptives, infertility investigation
and treatment (ovulation procedure, HSG, adhesiolysis, tuboplasty etc.), miscarriage
investigation, impotence (erection dysfunctions) and / or all kinds of expenses made
for fertility treatments (in vitro
fertilization, microinjection etc.), expenses related with pseudopregnancy (psychological pregnancy), all kinds
of treatment regarding menopause,( pre-peri-post Menopause, Osteoporosis etc.
·
Laser and surgical intervention expenses for strabismus and refractive errors of the eyes
and all kinds
of diagnosis, medical
examinations and treatment expenses for amblyopia,
·
All
diseases that are related with AIDS, HPV, ARCS and HIV, diagnosis and treatment expenses for condyloma and veneral diseases,
·
Occupational
diseases that occur during
the building demolition, explosive material transportation, mine workings, harbour construction, working
with dynamite activities (asbestosis, pneumoconiosis, mercurial poisoning, silicosis etc.)
·
Accidents
and diseases that occur during performing duties as a police or
military institutions,
·
Domestic
and abroad accommodation expenses, food expenses apart from those of the hospital, telephone expenses etc., other expenses that are not necessary for the treatment,
·
Transportation
expenses except local
licenced ambulance,
·
Expenses
for organ and donor
by tissue transplantations, organ and
tissue expenses, the transportation expenses of
the organ and tissue,
·
All
expenses related
with collecting, transplantation and
handling of the umbilical cord blood and
stem cell,
·
All
kinds of expenses
that require more than 15
sessions of physical
therapy applications at out-patient and in-patient treatments within one insurance year,
·
The
expenses of diagnosis and treatment for all kinds
of diseases and
accidents arising from the alcohol and drug addiction of the Policy Holder, expenses
of diagnosis and
treatment belonging to all kinds
of diseases and
their complications arising from the
alcohol and drug addiction, treatment expenses for treating of smoking, alcohol etc. and
all kinds of drug addictions cessation, all kinds
of health expenses that arise from the accidents that are caused
by the Policy Holder during
unlicensed driving, get involved in a fight, the expenses related to the treatments that arise from the intentionally or unintentionally self-harm behaviour etc.,
·
Diseases and disablements during performing dangerous sportive activities (riding, driving,
mountain climbing, climbing, canoe,
rafting, diving, parachute jump, sky surfing, bungee jumping,
civil aviation - private flying, deltaplan, glider, balloon
etc.),
·
Diseases and disablements that will occur
during all kinds
of competitions and / or trainings as a professional or amateur sportsman,
·
The
treatment expenses about the accidents that arise from driving a motorcycle are accepted with the condition that the Policy Holder states
this in the application form and it is accepted by the Insurer and the related
additional premium is paid.
·
The
expenses for all kinds
of treatments, diagnosis and
treatments of pustule, acne, hair loss, sweating treatment, iontophoresis, botox applications,
treatment of isotretinoin and derivatives (roaccutane caps etc.), expenses for hair or dandruff shampoo, skin care cream,
skin soap, cosmetic products, thermophore, thermometer
etc.,
·
The
diagnosis and treatment expenses of geriatric and psychogeriatric, Alzheimer disease, Parkinson
·
Disablements
and its diagnosis and
treatment expenses that will be caused by
taking part at the worker strikes, lock-outs, civil
commotions, fights,
·
The
required diagnosis and
treatment expenses due to the disablements through travel with any kind of air vehicle except
flying as a ticketed
passenger at scheduled flights,
·
All
kinds of expenses
that arise from practicing as their results without a diagnosis / treatment program projected by a doctor,
·
The
diagnosis and treatment of all kinds of disease that causes snoring and sleep
- apnoea syndrome,
·
The
drug, vitamin and food supplement products that are imported
through the approval of Ministry of Agriculture and Rural Affairs and through the import permission of the Ministry of Health and do not possess
a drug licence,
·
Asthma,
Reactive Airway Disease, bronchial hyperreactivity and
the vaccine and test expenses of all kinds
of skin tests of
allergic diseases, hepatitis
markers,
·
The
expenses of septum deviation and its complications, the expenses of concha hypertrophy and its complications, hallux valgus diseases, pes planus, the expenses related with scoliosis, kyphosis, lordosis
except caused by an accident
that the Policy Holder may have
from the Insurance Commencement Date on,
·
The
diagnosis and treatment expenses of spermatocele, varicosele, cord cyst and epididymis cysts,
·
The
expenses belonging to the private nursing care services during
in-patient or out-patient treatment,
·
All
expenses except the coverage, limit and applications that are determined in the Policy and the conditions outside the scope that are
specified in the Policy Additional,
·
The
healthcare services
expenses which are provided by
the doctors whose area of
expertise are in contradiction with the Policy Holder's,
·
The
epidemics that are declared
publicly and quarantine,
·
The
funeral expenses in case of death (The morgue expenses, transportation of the corpse in case of dying after been hospitalized etc.),
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