Individual Insurances
Individual Insurances
Not a Cheap Policy, but the Right Policy
In individual insurance, the decision is often made only on price. However, the real difference between the two policies arises in the compensation paid at the time of damage: deductible, limit, underinsurance and exclusions.
We customize your housing, vehicle, health and travel coverage according to your needs; We explain in plain language what each item means. In case of damage, we follow the process on your behalf.
- Personal guarantee, limit and exemption setup
- The same team is with you in case of damage
The value of the policy is measured on the day of damage, not on the day it is signed.
Scope
Coverage Scope
home insurance
Fire, earthquake, flood, theft and glass breakage coverage for buildings and goods.
DASK (forced earthquake)
The guarantee within the scope of legal obligation and the optional earthquake structure built on it.
Health and complementary health
Access to the private hospital network; Comparison of inpatient and outpatient treatment coverage.
Personal accident and life
Accidental death and disability and credit-related life guarantees.
travel health
Medical expenses, baggage and cancellation coverage for visa applications and international travels.
Insurance and traffic
With loss of value, replacement vehicle, mini repair and international coverage options.
Key Risks
What We Watch in This Area
Renewal Gap
Coverage that is not renewed on time leaves all the risk on you, even after a gap of a few days.
Missing Price
If the housing and furniture cost is not updated, the compensation will decrease proportionally.
Unread Exceptions
Most of the rejection decisions are written in advance in the exclusion clauses of the policy.
How is it determined?
Headings That Determine the Right Policy
- Coverage — what the policy covers as well as what it excludes
- Limits: separately for building, property, treatment and liability
- Exemption and contribution fee; The equivalent of every choice that reduces the premium at the time of the claim
- Contracted institution network - hospital in health, service list in auto
- Renewal conditions and acquired rights
- Who will carry out the process in case of damage?
How We Work
Individual Coverage in Four Steps
Listening
We review your needs, budget and existing policies together.
To compare
We place coverage from multiple companies side by side for the same need.
policing
We organize the selected structure, deliver it and archive it on your behalf.
Damage
We follow the process on your behalf, from notification to payment, and report the results.
FAQ
Frequently Asked Questions
No. Traffic insurance is mandatory and covers the damage you cause to the other party; Insurance is optional and covers damage to your own vehicle.
No, it requires you to be a SSI member. It undertakes the difference fees not covered by SSI in contracted private hospitals; It is therefore significantly more suitable than a private health policy.
Not necessarily; However, in branches that carry vested rights, such as health, company changes may reset the waiting periods and lifetime renewal rights. We evaluate the renewal decision not only on the premium but also on the rights that will be lost.
The reconstruction cost of the same building is taken into account, not the market sales value. Calculation based on fair value, which includes land share, leads to underinsurance or unnecessary overinsurance in most policies.
Do You Have a Need in This Area?
Let's assess your risk together and build the coverage structure around your needs.