HOT OFF THE PRESS !!! Emergency Stability Health Insurance

[Esta Group]

ESTA can now offer its clients a brand new policy that covers a whole range of injuries and medical conditions from car accidents, severe hypertension, heart attacks, organ failures, broken bones and a whole range of other medical disorders at the emergency stage and pays treatment up to the value of your policy until the stability stage is reached.

With your choice of 10,000, 25,000 or 50,000 TL of cover the price is only 130 TL, 250 TL or 380 TL. The policy is valid up to aged 70 and aged 60 – 64 should add 15% to the price and aged 65 – 70 should add 20% to the price. The application is simple and the policy can be live within a few hours.

Why not contact us to discuss how you may benefit from this brand new product.

ESTA,THE REAL İNSURANCE EXPERTS.

http://www.estainsurance.com
info@estainsurance.com
0392 444 3782

[laptatony]

What about cancer, is this covered?

[PoshinDevon]

Are these annual charges?

Thanks

[Marions]

Sounds o.K. but why can't anyone come up with insurance for over 70's - hubby will be 86 this year, to cover such things as mending broken bones et,cbut obviously excluding pre existing conditions.

Sadly, it is folk such as my husband who are faced with medical bills which drive them back to U.K.

Can't someone come up with something to help people such as he.,

I assume these are monthly fees, and again of course,l if it is a couple living off one pension, it may not be affordable to those under 70.

But great start!

When do we get Phase 2????

[ElectricianPete]

The Near East Bank do an accident policy for 40TL per year if under 65 or 80TL per year if over 65.
Good value for the cover up to about 10000 TL
Pete

[judyvin]

Please will you post a link to the policy details so we can see what is covered.

[Esta Group]

The Product unfortunately does not cover Cancer or long term illness. It is an emergency health product and is all about ensuring that you are stable but its not just a personal accident policy which is readily available on the island. Its a brand new product to the island and unfortunately the Reinsurance company only allow us to cover people up to their 70th year.

The premium is a yearly premium so a one off payment and it covers a wide spectrum of emergencies such as car accident, heart attack, Hypertension crisis, temperature above 39 degrees, broken bones, life threatening falls/injuries, meningitis, diabetic coma, and many more.

The product covers you in a number of private hospitals here in North Cyprus and also in Turkey.

For more information please email us on info@estainsurance.com or call us on 0392 444 3782.

The Esta Team.

[Esta Group]

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.

[laptatony]

Sounds good. Just for info the Near East Bank policy is more for accidents and is now 121tl per annum.
Be interesting to complete application and see if there are any exclusions based upon current health. Will call in to discuss and hopefully take out a policy.

[crofter]

Please can you tell us if you are able to offer a family package policy?

Thank you.

Sheila

[solic200]

Is there a period of time before the policy is active as some of these policies have a few months you have to pay before becoming active,so as to stop someone who is already unwell taking advantage of the policy the next day.

[gates]

were are you based

[Esta Group]

Hi there,

Unfortunately there is no family package available with this product as such, its an application per family member but children can only have the product if their family also have it and its only available from 2 years to 70.

With regards to a wait period, there is no wait period as such because this type of product is not for long term or ongoing illnesses, its emergency health/stability insurance so doesn't cover ongoing illnesses or sickness. Its only valid in the event something serious happens and you require immediate attention to make you stable. This product therefore is not going to cover an existing condition/illness that requires ongoing treatment.

We are based in Karaoglanoglu, next door to Design 74 Pottery shop and very near Hur Deniz restaurant. We also have an office in Alsancak near to Atakara Petrol Station. Just look out for the Esta Signs.

Feel free to call us anytime on 0392 444 3782 or email info@estainsurance.com if you have any questions.

Best regards,

The Esta Team.

[Will_iam]

Do you physically have to make a claim on the policy following treatment at a Hospital/Doctor or do you provide the policy number to the Hospital/Doctor at the time of treatment?

[Esta Group]

Hi there, I just wanted to reconfirm that the prices quoted are the prices per year for this Emergency Health Product as a few people have called the office asking if its a monthly fee.

With regards to claims, there is a 24 by 7 emergency telephone number with english, german and turkish speaking staff ready to take your calls and advise. Kolan British Hospital and Near East Hospital are already set up with direct payment from the Insurance Company so you provide your membership details and you call the emergency call centre and if its a valid claim then payment would be direct from the Insurance to the hospital.

Please do just remember that the product is emergency situations as detailed previously, not standard doctor visits.

If you require any further information do not hesitate to contact us on 0392 444 3782 or on info@estainsurance.com.

Best Regards,

The Esta Team.

[Will_iam]

Hi there, I just wanted to reconfirm that the prices quoted are the prices per year for this Emergency Health Product as a few people have called the office asking if its a monthly fee.

With regards to claims, there is a 24 by 7 emergency telephone number with english, german and turkish speaking staff ready to take your calls and advise. Kolan British Hospital and Near East Hospital are already set up with direct payment from the Insurance Company so you provide your membership details and you call the emergency call centre and if its a valid claim then payment would be direct from the Insurance to the hospital.

Please do just remember that the product is emergency situations as detailed previously, not standard doctor visits.

If you require any further information do not hesitate to contact us on 0392 444 3782 or on info@estainsurance.com.

Best Regards,

The Esta Team.

Thanks very much for clearing up that point.

[bornunderabadsign]

If you are involved in a car accident or suffer a heart attack etc are you not able to be treated at Girne or Lefkosa state hospitals free of charge?