Emergency Stability Health Insurance – An Alternative to Health Insurance

Medical emergencies often come without warning, making it essential to have emergency medical insurance coverage. Azant Insurance Agency, in partnership with Zirve Sigorta, offers Emergency Stability Health Insurance in collaboration with Near East Hospitals in the TRNC. This policy is designed exclusively for emergency medical stabilization and does not cover ongoing or long-term medical conditions.

Available Insurance Packages

• Emergency Only: Coverage up to 50,000 TL – 3,650 TL
• Emergency Including Check-up: Coverage up to 50,000 TL – 11,900 TL (Available for ages 25 to 74)
• Emergency Only: Unlimited Coverage – 14,500 TL
• Emergency Including Check-up: Unlimited Coverage – 22,500 TL (Available for ages 25 to 74)

Important Coverage Details

This policy is valid only for Near East Hospitals in the TRNC. In a life-threatening emergency, you should seek immediate care from the closest hospital. However, if treated at a non-Near East hospital, your Near East coverage will be reduced by up to 25%.

For non-life-threatening emergencies, we recommend going directly to a Near East A&E department as your medical records will already be in their system, allowing for a faster and smoother process. If you choose another hospital, you must contact the 24-hour emergency number before accepting treatment to confirm coverage.

24/7 Emergency Contact Number

Emergency Number: 0548 824 0724 (not required if attending Near East Hospitals)

What to Do in an Emergency

If the emergency prevents you from making the call, ensure that you obtain a discharge letter from the doctor detailing all treatments, medications, admission and discharge dates, payments, and receipts. This documentation must state the symptoms, treatment received, and total cost. Keeping a fatura (receipt) and payment slip is also recommended.

Emergency Situations Covered by the Policy

• Acute myocardial infarction (heart attack)
• Sudden paralysis
• Accidents and injuries due to a sudden external event
• Appendicitis
• Brain abscess
• Serious occupational accidents
• Impact-related internal organ injury
• Diabetic and uremic coma
• Freezing/Frostbite
• Electric shock burns
• Encephalitis (brain inflammation)
• Epileptic crisis
• Serious animal bites requiring surgery
• Internal organ bleeding (except gynaecological hormonal bleeding due to miscarriage)
• Life-threatening poisonings
• Hypertension crisis
• Second and third-degree burns
• Meningitis
• Stomach perforation
• Renal colic (kidney stones)
• Nerve rupture
• Cold or heat stroke
• Acute respiratory problems caused by a foreign body in the airway
• Drowning
• Inhalation of toxic gases
• Serious eye burns from irritants
• Traffic accidents
• All trauma-related skin cuts requiring stitches
• Massive bleeding from trauma
• Sudden loss of consciousness due to trauma/accident
• All fractures and dislocations
• Limb amputations
• Severe allergic reactions caused by snake, scorpion, or spider stings
• High fever (38°C and above)
• Falling from height (except attempted suicide)
• Migraine-induced vomiting or headaches
• Rape

Important Notes

• Anyone between 0- and 74-years old living in the TRNC can purchase this insurance.
• Children (0-17 years) can only be insured if one parent is also insured.
• Check-ups are available only for individuals aged 25-74.
• A health declaration form must be completed before issuing the policy.
• The policy period is one year, and a new application must be completed annually.
• A 24/7 call center is available in English and Turkish.
• This insurance is valid only in the TRNC.
• Only the specific medical conditions listed in the policy are covered.
• This policy does not cover general health issues such as doctor visits, flu, or routine medical treatments.

Choosing the Right Hospital

For faster claim processing, we recommend attending one of the listed Near East Hospitals, as they are fully aware of the insurance product and can expedite payment resolutions. However, in an emergency where this is not possible, ensure that you obtain a detailed medical report, discharge summary, and payment receipts. It is important to understand that your policy will not cover all treatment costs at non-Near East hospitals.

For more information about this very affordable product, please contact us at Azant Insurance Agency on [email protected] or alternatively contact us direct on +90 533 855 53 23 during office working hours.

Some Helpfull Numbers:

POLICE EMERGENCY: 155

AMBULANCE EMERGENCY: 112

General 228 3411

Hospitals:

Girne 815 2125 Girne 815 2266/815 2254
Gazi Mağusa 366 5310 Lefkoşa 228 5441
Güzelyurt 714 2140 Gazi Mağusa 366 2876/366 5328
Lapta 821 8512 Güzelyurt 714 2125

FIRE EMERGENCIES 199

ELECTRICAL FAULTS 188

FOREST FIRE 177

Lefkoşa 225 3436
Girne 815 2111

Girne 815 2223
Kefkoşa 227 1259

Gazi Mağusa 366 5514
Gazi Mağusa 366 5389

Güzelyurt 714 2122
Güzelyurt 714 2200

WATER PROBLEMS

Lefkoşa 228 3315
Girne 815 2118
Gazi Mağusa 366 4481
Güzelyurt 714 3516

Protect your loved ones from lifes uncertainties