Critical Illness Insurance

If you're diagnosed with a serious illness, we pay the amount you chose in one lump sum, so you can focus on treatment, not money.

Get a quote on WhatsApp 0850 303 28 66

Who is it for?

People with a family history of cancer, heart or vascular disease
Self-employed people worried about losing their income if they fall ill
People with loans or other long-term financial commitments
People who want to add a cash safety net alongside their existing health policy
People who are their family's sole breadwinner

What is Critical Illness Insurance and what does it do?

A serious diagnosis can bring life to a sudden halt. Treatment drags on, work gets disrupted and unexpected costs pile up. Critical Illness Insurance steps in right at that moment: if you're diagnosed with one of the illnesses covered by the policy, we pay the amount you chose at the start of the policy as a single cash lump sum.

This payment doesn't depend on receipts or invoices. You can use the money for treatment, to make up for lost income, to pay your loan instalments or to get a second opinion abroad. How you spend it is up to you.

The policy covers 16 critical illnesses, from cancer and heart attack to stroke and major organ transplant. Anyone aged 18 to 60 can apply for the first time, and as long as none of the covered illnesses occurs, you can renew your policy up to the age of 70.

When you take it out with Atom Sigorta

A single cash payment on diagnosis, no invoices needed
Freedom to use the money however you choose
A clear, easy-to-understand list of 16 critical illnesses
Works independently of your existing health policy
Renewable up to age 70, as long as no covered illness occurs
Healthy living services such as dietitian and psychological counselling

What's covered

What does the policy cover?

Depending on the package you choose, some or all of the cover below can be added to your policy.

Cancer

If you're diagnosed with cancer that meets the criteria defined in the policy, the amount you chose is paid in one lump sum. You can plan your treatment without worrying about cost.

Heart Attack (Myocardial Infarction)

A medically documented heart attack is covered. The payment eases the financial pressure while you're away from work recovering.

Stroke and Paralysis

Strokes and paralysis that leave permanent neurological damage are covered. It provides substantial cash support during lengthy rehabilitation.

Coronary Artery Bypass Surgery

Bypass surgery on the coronary arteries is covered. The payment process starts once the decision to operate is made.

Heart Valve Replacement Surgery

Surgery to replace a heart valve is covered. It gives you funds to use for costs before and after the operation.

Major Organ Transplant

Cover applies for a transplant of the organs defined in the policy. It can also be used for indirect costs throughout the transplant process.

Kidney Failure (End Stage)

End-stage kidney failure requiring regular dialysis or a transplant is covered. It lightens the financial load of long-term treatment.

Multiple Sclerosis (MS) and ALS

Diagnoses of Multiple Sclerosis and Amyotrophic Lateral Sclerosis are covered within the policy criteria. It provides funds early on for progressive conditions.

Brain Aneurysm and Aortic Surgery

Surgery for a brain aneurysm or on the aorta is covered. For these high-cost procedures, payment is made in a single lump sum.

Coma, Blindness and Loss of Limbs

Coma, permanent blindness and loss of an arm or leg, under the conditions defined in the policy, are covered. It helps you rebuild your daily life.

Major Burns and Aplastic Anaemia

Severe burns over a large area and a diagnosis of aplastic anaemia are covered. It meets your need for cash during long hospital stays.

Healthy Living Services

You can use support services such as dietitian and psychological counselling, eye screening, a dental package and a pharmacy savings plan. The policy is useful in everyday life too.

Cover, exclusions and limits vary with the package you choose and the policy's general and special terms. To work out the right set of cover for you, call us on 0850 303 28 66.

Frequently asked questions

Your questions about Critical Illness Insurance

If your question isn't on the list, give us a call. We'll keep explaining until it all makes sense.

No, it doesn't replace it; it sits alongside it. Health insurance pays for treatment costs, whereas Critical Illness Insurance pays cash directly to you on diagnosis. Together they give you much stronger protection.

Once one of the illnesses defined in the policy has been medically diagnosed and the required documents are complete, the amount you chose is paid in one lump sum. You don't need to provide receipts or invoices.

The policy covers 16 critical illnesses: cancer, heart attack, stroke, bypass surgery, heart valve surgery, organ transplant, kidney failure, MS, ALS, coma, blindness, loss of limbs, major burns, aplastic anaemia, brain aneurysm and aortic surgery.

Anyone aged 18 to 60 can apply for the policy for the first time. As long as none of the covered illnesses occurs, you can renew it up to the age of 70.

The policy has a waiting period, and diagnoses made during that period aren't covered. The length and conditions are clearly set out in the policy's special conditions; we'll go through them together before the policy is issued.

Yes. At the start of the policy, you choose from several cover amounts the one that suits your needs and budget. The premium changes in line with the amount you choose.

Once a payment is made for a covered illness, the cover has been used and the policy ends under its terms. That's why we recommend thinking about your long-term needs when choosing the cover amount.

Get a quote

Get a quote for Critical Illness Insurance

Send us a few details on WhatsApp. We'll compare the options from the insurers we work with and share them with you in the same chat.

Quicker by phone

0850 303 28 66 hakan@atomsigorta.com