Insurance Guide
Articles on reading a policy, comparing covers and handling a claim.
Insurance GuideWhat Are the Types of Insurance in Türkiye?
Turkish law sorts insurance along two axes: the life and non-life groups, and compulsory versus voluntary lines. Product names do not map one to one onto that official split, so the class a policy rests on is a separate question worth asking.
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Insurance GuideHow Is an Insurance Premium Set?
The premium comes out of the insurer's actuarial calculation; an agency does not price it. This piece sets out who builds the tariff, which factors move it, and which part of the amount on your policy is tax rather than premium.
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Insurance GuideWhat Pushes an Insurance Premium Up in Türkiye?
A premium is the price of the risk an insurer carries. Claims history, the statutory step ladder, risk profile and the width of cover each move that price under rules set out in Turkish legislation.
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Insurance GuideHow Insurance Companies Actually Work
Insurance is the business of pooling losses no single household could absorb alone. This piece follows the premium through the pool, the reserves and the claim, and shows where a Turkish insurance agency stands in that chain.
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Insurance GuideHow to File a Claim With the Insurance Arbitration Commission
Disputes arising from a Turkish insurance contract have a route outside the courts: the Insurance Arbitration Commission. Access turns on one precondition and a set of statutory deadlines.
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Insurance GuideTurkish Insurance Glossary
Most of the vocabulary on a Turkish policy comes not from everyday language but from the Commercial Code and the general conditions of each line. This glossary gives every term with its source.
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LiabilityWhat Is Liability Insurance?
The liability class covers the insured's duty to compensate third parties, and the defence against unfounded claims. Who brings the claim decides which policy responds.
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Insurance GuideWhat Is a Premium Loading (Sürprim)?
Sürprim is the amount added to a standard-tariff premium because the risk is heavier than average. Turkish statutes usually call it a premium difference, and both the grounds for asking and the deadlines for answering are set out in law.
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HealthWhat Is Complementary Health Insurance in Türkiye?
A private health product that meets, within the policy scope and terms, the extra fees added on top of what Turkish social security pays, plus certain expenses social security does not cover at all.
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