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What is Group Surgery Insurance?
Group Surgery Insurance is a comprehensive life insurance designed to provide financial security for your employees against critical risks such as inpatient surgical procedures*, disability, or loss of life.
When your employees experience any of the conditions covered under the policy the designated coverage amount is paid out as a lump-sum benefit to the insured or their beneficiaries. This lump-sum payment offers vital financial support to cover additional post-surgery medical expenses, potential loss of income, or any immediate financial needs.
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Benefits for Your Company
While enhancing your employees' loyalty and sense of belonging, Group Surgery Insurance provides distinct advantages for your company:
- Delivers lump-sum financial support to your employees during unexpected life events such as inpatient surgeries, disability, or loss of life.
- Premium payments made on behalf of your employees can be deducted from corporate tax, allowing you to leverage a 25% tax advantage**.
- Your employees gain annual Check-up and Dental Care services***, as well as the prestigious United Health Global network.
- Strengthens your employer brand while boosting employee retention, loyalty, and workplace motivation.
*Causal or surgical procedures not covered by the policy include cosmetic surgery, childbirth, ophthalmology (eye) procedures, bariatric (obesity) surgery, appendectomy, and ENT (Ear, Nose, and Throat) operations. Outpatient surgical procedures that do not require hospitalization, as well as any surgeries related to pre-existing conditions diagnosed prior to the policy start date, are also excluded from the coverage.
**Corporate Tax Regulation: For Limited Liabilities (Ltd.) and Joint-Stock (A.Ş.) companies subject to corporate tax, premiums paid for employees on the payroll do not create an additional income tax burden, provided that these premiums are reflected in the employee's payroll and managed within the statutory limits for salaried workers. Under these conditions, a 25% corporate tax deduction is applicable to the paid premium amounts.
***Check-up & Dental Care: This policy grants one (1) complimentary check-up and dental care session per policy year at contracted private healthcare institutions.
****United Health Global Network: Policyholders and their relatives residing in, traveling to, or seeking medical treatment in the United States can benefit from up to a 50% discount across the "United Health Global" healthcare network. This includes comprehensive medical case management from start to finish. The process initiates once the patient's information is officially submitted in writing to IUC Ltd., the regional representative of Benefit Global. This coordination service is entirely free of charge; however, for discounted treatments, a 25% service fee calculated over the provided discount amount will be collected, and the remaining balance will be reimbursed to the patient.
*****Discount Validity: The promotional discount rate remains effective for the entire duration that the Group Surgery Insurance policy is active.
How to Apply?
You can submit your requests directly to GBEKurumsalUrunBasvuru@garantibbvaemeklilik.com.tr. Our team will get in touch with you as soon as possible to guide you through the process.
