Group Health Insurance

Cover your whole team with one policy: solid health protection for your employees and a valuable benefit for your organisation.

Get a quote on WhatsApp 0850 303 28 66

Who is it for?

Companies that want to offer their employees health cover as a benefit
HR teams aiming to attract and keep skilled people
Associations, chambers and professional bodies wanting to offer members group benefits
Employers wanting to put together a benefits package that includes family members
Organisations that want to keep healthcare costs within a predictable budget

What is Group Health Insurance and what does it do?

Group Health Insurance lets an organisation cover its employees under a single policy. Companies, associations, cooperatives and professional bodies can all benefit from this model.

Because everyone joins together, the terms are more favourable than individual policies, and we design the cover around your organisation's needs with you. You can opt for a simple plan covering inpatient treatment only, or a broad package including outpatient care, maternity, dental and health check-ups. If you like, your employees' spouses and children can be included too.

The organisation can pay the full premium, share it with employees, or simply act as the go-between. We take care of managing the policy and keeping track of people joining and leaving, so you can focus on your business.

When you take it out with Atom Sigorta

More favourable premium terms thanks to group membership
Flexible cover designed around your organisation's needs
Option to include employees' spouses and children
Policy managed from one place, with us tracking joiners and leavers
A strong benefit for attracting and keeping skilled people
A more economical complementary model for teams covered by SGK

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.

Inpatient Treatment

High-cost treatment such as surgery, hospital stays and intensive care forms the core of the cover. It's the essential element of every group policy.

Outpatient Treatment

Doctor's appointments, tests, imaging and physiotherapy are covered up to the limits set in the policy. It's the cover employees use most.

Surgery and Intensive Care

Operating theatre, surgeon, anaesthesia and intensive care costs are covered. If the unexpected happens, your employee isn't left with a financial burden.

Room, Meals and Companion

Room, meal and companion costs are covered during a hospital stay. Being able to have family close by is a real morale boost for employees.

Diagnostic Tests

Lab tests and advanced imaging are included. Diagnosis happens faster and time off work is shorter.

Medication

Prescribed medication is covered according to the plan's terms. This makes a clear difference for employees with ongoing treatment.

Maternity Cover

Depending on how the plan is designed, the costs of natural birth and caesarean section can be added. It's the most requested cover in organisations with a young workforce.

Health Check-ups

An annual check-up for your employees can be included in the plan. Regular screening helps catch illnesses at an early stage.

Dental Package

Basic dental care such as check-ups, X-rays, fillings and extractions can be included. It's cover people feel the benefit of straight away in everyday life.

Spouse and Children

Employees' spouses and children can be insured under the same policy. A benefit that includes the family makes people noticeably more loyal to the organisation.

Personal Accident Cover

Personal accident protection can be added to the policy for accident-related risks. It's especially recommended for organisations with field and operations teams.

Complementary Model Option

For employees registered with SGK (Türkiye's Social Security Institution), we can also set up the group policy as a complementary plan. This gives access to a wide hospital network on a more affordable budget.

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 Group Health Insurance

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

The minimum number of members depends on how the policy is designed and the structure you choose. Tell us how big your team is and we'll tell you clearly which models are suitable.

That's entirely up to the organisation. The employer can pay the full premium, share it with employees in an agreed proportion, or simply act as the go-between so employees can benefit from the group policy.

The leaver is removed from the policy. If they wish, we can look at converting their cover into an individual policy; we'll agree the terms together based on how the policy is set up.

Yes. Employees who join during the year are added to the policy for the remaining period. We track joiners and leavers and reconcile regularly with you.

This depends on the size of the group and how the policy is designed. For groups above a certain number of members, health declaration requirements can be relaxed; we'll look at your team's make-up and offer you the most suitable option.

The complementary model works alongside SGK and covers the extra charges at partner hospitals; its premium is lower. The private model is independent of SGK and offers more freedom and wider cover.

Yes. We prepare quotes based on your number of employees, their age spread, your sector and the level of cover you're looking for. We set several options side by side to make your decision easier.

Get a quote

Get a quote for Group Health 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