Underwritten by Sompo Sigorta 
Yaşam Terapi (Life Therapy) is Sompo Sigorta's critical illness insurance. For unexpected illnesses with high treatment costs such as cancer, organ transplant or kidney failure, it pays a lump sum, set according to the plan you choose, towards the needs that arise during diagnosis, treatment and afterwards. It is available to Turkish citizens aged 18–60 and is not compulsory.
Health insurance pays hospital bills; critical illness insurance pays you an amount that is not tied to invoices. You can use it for needs such as lost income during treatment, transport, care or keeping family life running. We plan with you how it fits alongside your existing health policy.
What is covered?
- Cancer
- Heart valve surgery
- Aortic aneurysm
- Kidney failure
- Organ transplant (heart, liver, lung, pancreas)
- Multiple sclerosis (MS), Parkinson's disease and Alzheimer's disease
- Blindness and hearing loss
- Third-degree burns
- Loss of limbs
Optional add-on covers
- Second Opinion Service: a second opinion from a contracted specialist institution on a cancer diagnosis and treatment protocol, paid for by the policy
- Oncology Support Package: dietitian consultation, transport to hospital and psychologist consultation, 3 times each; activated once a cancer diagnosis qualifies for the benefit
What you should know
Yaşam Terapi Insurance is a Sompo Sigorta product, arranged through our agency. It comes with 4 cover plans; since the insurer does not publish the plan amounts on its website, we confirm cover and premium details for your age and chosen plan at the quotation stage.
A 90-day waiting period applies; after that there is no further waiting period. The policy ends once the benefit is paid, but the Second Opinion Service and the Oncology Support Package continue to be available.
No product-specific exclusion list is published; the Health Insurance General Conditions apply. Under the General Conditions, for example, war, revolution and rebellion; committing or attempting a crime; knowingly exposing oneself to serious danger; drug use; nuclear, biological and chemical risks; and attempted suicide are excluded. Unless otherwise agreed, earthquake, flood, volcanic eruption, landslide and terrorism are also excluded.
Frequently asked questions
No, it is optional. It can be seen as additional financial protection on top of your existing health insurance.
Turkish citizens aged 18–60.
Health insurance pays treatment costs. Yaşam Terapi pays a lump sum for covered illnesses that is not tied to invoices, supporting you with lost income and costs beyond treatment.
A 90-day waiting period applies, and illnesses arising within it are generally not paid. The exact conditions are in the policy terms, and we explain them in detail before you apply.
The information on this page is for general guidance and does not replace policy wording. Scope of cover, limits, deductibles and exclusions are determined by the general and special conditions of the insurer you choose.