New english leaflet will be available next week and I will post it as soon as its ready but the covers are as follows:-
1. Traffic Accident: Injury to organs or limbs due to an accident. Any traffic situation as long as no alcohol was involved will be covered.
2. Heart Attack: Necrosis, severe chest pain, blood pressure problems and shock as coronary arteries are incapable of transferring sufficient clean blood to the relevant areas due to an occlusion in the circulation system. The emergency situation – stability part will be covered.
3. Arrhythmias: Clinical conditions based on irregular pulses.
4. Hypertension Crises: Crises due to blood pressure so high as to risk function disorders in heart, brain or kidney. E.g. bee sting, pollen, etc.
5. Acute Respiratory Problems: Respiratory distress after contraction and depression of pulmonary air ways due to allergic reasons.
6. Life Threatening Injury: Serious tissue damage due to any traumatic (impact based) injury.
7. Life Threatening Fall: Serious traumatic (impact based) tissue damage suffered when one falls from a higher altitude to a lower one.
8. Life Threatening Occupational Accident: All kinds of tissue damage suffered when one works in one’s job provided it is not a high risk job.
9. Limb Dismemberment: Dismemberment of any limb from one’s body generally due to a trauma.
10. Electric Shock: Any damage (sometimes permanent) to one’s skin, subcutaneous parts, veins and tissues because of exposure to high electricity voltage.
11. Freezing, Frostbite: Any damage (sometimes permanent) to one’s skin, subcutaneous parts, veins and tissues because of exposure to excessive cold.
12. Burns, Heat Strokes: Any damage (sometimes permanent) to one’s skin, subcutaneous parts, veins and tissues because of exposure to excessive heat.
13. Traumatic Eye Burning: A serious ocular tissue damage.
14. Choking: All pathologies arising as respiratory tract is completely obstructed by fluid.
15. Life Threatening Poisoning: Life threatening poisoning by respiratory or digestive intake of substances with poisonous characteristics such as foods, drugs, heavy metals etc. or those substances which can become poisonous due to degradation.
16. Anaphylactic Conditions: Allergic conditions which shock a patient and are characterized by seriously low blood pressure and respiratory distress. Penicillin allergy, scorpion stings, snake bites, etc.
17. Bone Breaks or Fractures: Integrity loss and fracture of bones due to impacts, lack of calcium or bone tumor.
18. Lower Extremity Dislocations: Loss of skeletal system integrity due to dislocations.
19. Conditions Causing Loss of Consciousness: Any condition causing loss of consciousness such as epilepsy crises, sudden drop of blood pressure, severe migraine, change in blood sugar rate, etc. If you are diabetic, you must disclose this on the declaration and this will not be covered.
20. Sudden Paralyses: Loss of motion in 1, 2 or 4 limbs or dysfunction of organs normally moved voluntarily often due to vascular reasons.
21. Diabetic Coma: Unconscious states due to diabetes resulting in a necessity for artificial operation of bodily functions. This is covered as long as its declared on the forms.
22. Uremic Coma: Unconscious states due to a metabolic dysfunction of the blood urea or nitrogen resulting in a necessity for artificial operation of bodily functions.
23. Acute Massive Bleeding: Sudden and transient extreme bleeding such as bleeding of internal organs or limbs due to an accident or artery damage.
24. Meningitis, Encephalitis: Meningitis, encephalitis, brain abscess (cerebrum and cerebral cortex infections)
25. Newborn Comas: Unconscious states due to newborn diseases resulting in a necessity for artificial operation of bodily functions.
26. Fever above 39°C (in the axillary region): Increasing body temperature due to reactive struggle against infections of bacterial, viral or fungal reasons. Fever below this will not be covered.
27. Foreign Object in the Respiratory Tract: Presence, due to an accident or external factors, of a foreign object in one’s respiratory tract which obstructs breathing.
28. Foreign Object Likely to Obstruct the Digestive Tract: Presence, due to an accident or external factors, of a foreign object in one’s digestive tract which obstructs passage of foods.
29. Severe Eclampsia: The condition also known as toxemia of pregnancy, which is characterized by high blood pressure, protein loss and severe vomiting.
30. Perforations: Any internal organ perforation due to any reason.
31. Acute Abdominal Conditions: Acute appendicitis, gastric perforation, intestinal knot, intra-abdominal infection.
Please contact us at Esta Insurance in Karaoglanoglu for more details or you can call on 0392 444 3782. You can also email on
info@estainsurance.com.
Many Thanks,
The Esta Team.