What is Lokman Hekim Emergency Health Insurance?

 

Lokman Hekim Emergency Health Insurance is a specialized health insurance product that covers medical expenses incurred due to illnesses and accidents defined as emergencies by the World Health Organization (WHO). This insurance is valid at all healthcare institutions approved by the Ministry of Health and offers fast and effective solutions in emergency situations.

Provides immediate medical intervention at contracted private hospitals during emergencies.

Covers emergency medical, surgical, and hospitalization expenses within policy limits.

Offers financial security with Accidental Death and Permanent Disability coverage.

Ensures rapid response with on-site emergency physician and ambulance support.

Lokman Hekim Emergency Health Insurance Coverage

24/7 Easy Line

Receive fast assistance for all your transactions by calling our 24/7 Easy Line at 0850 222 8 434.

Emergency Medical Services and Ground Ambulance

In accordance with the World Health Organization (WHO) emergency criteria, a ground ambulance or a physician is dispatched to the scene when needed, ensuring rapid and safe intervention.

Emergency Message Communication

In cases where medical teams directed by HDI Sigorta intervene, upon your request, mutual communication support is provided with your close contacts (family, friends, or colleagues) in your residential area regarding the emergency situation.

Valid Across Türkiye and the TRNC

This insurance provides coverage at all Ministry of Health–approved healthcare institutions, offering protection wherever you are in Türkiye or the Turkish Republic of Northern Cyprus.

Lokman Hekim Emergency Health Insurance is a private insurance product designed to cover medical treatment expenses incurred due to illnesses and accidents defined as emergencies, providing financial protection at all Ministry of Health–approved institutions.

Accidental Death Coverage

Permanent Disability Coverage

Daily Hospital Cash Benefit

Emergency Medical and Hospitalization Expenses Coverage

Emergency Health Services

What to Do When You Need to Use Your Lokman Hekim Emergency Health Insurance

1

In the event of a medical emergency requiring immediate attention, call 0850 222 8 434 (Easy Line), 112 Emergency, or go directly to the nearest healthcare facility.

2

Upon arrival, present your insurance policy or ID card and inform the healthcare provider that you are covered under Lokman Hekim Emergency Health Insurance.

3

All examinations, tests, treatments, and hospitalization procedures carried out within the emergency service are covered under your HDI Sigorta policy, within the defined coverage limits.

4

For any questions or additional assistance, you can contact the HDI Easy Line (0850 222 8 434) at any time, available 24/7.

Lokman Hekim Emergency Health Insurance in 6 Questions

What Is Lokman Hekim Emergency Health Insurance?

Lokman Hekim Emergency Health Insurance is a private health insurance product that covers medical expenses arising from illnesses or accidents defined as emergencies by the World Health Organization (WHO). It provides financial protection for treatments aimed at eliminating life-threatening conditions and is valid at Ministry of Health approved healthcare institutions.

What Does Lokman Hekim Emergency Health Insurance Cover?

This insurance covers medical expenses such as examinations, tests, interventions, surgical procedures, hospitalization, and emergency medical care arising from illnesses or accidents classified as emergencies by the WHO, provided that the incident occurs within 12 hours before hospital admission and the insured person applies to a healthcare institution within 12 hours after onset. Emergency ambulance services, physician support, and medical consultation are also included in the coverage.

Is Lokman Hekim Emergency Health Insurance Mandatory?

No. Lokman Hekim Emergency Health Insurance is an optional private insurance product. However, it offers effective and affordable protection against the high treatment costs often associated with emergency medical cases defined by the WHO.

How to Use Lokman Hekim Emergency Health Insurance?

In the event of a medical emergency, visit the nearest Ministry of Health–approved emergency service. After registration, your insurance authorization (pre-approval) will be processed, and once approved, your treatment will be covered within the limits of your policy. For information or assistance, you can reach our 24/7 Easy Line at 0850 222 8 434.

What Is Required to Obtain Lokman Hekim Emergency Health Insurance?

To purchase this insurance, you need valid Turkish ID information, contact details, and a health declaration. However, please note that applicants working in certain high-risk occupational groups are not eligible for this insurance product.

How to Obtain or Inquire About Lokman Hekim Emergency Health Insurance?

You can start your policy application or inquire about an existing one by calling 0850 222 8 434.

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