Overseas Travel Health Insurance

Cover that stays with you abroad against sudden illness, accidents, baggage problems and travel disruption, and is accepted for visa applications.

Get a quote on WhatsApp 0850 303 28 66

Who is it for?

Anyone applying for a Schengen visa, or a visa for another country that requires health insurance
People travelling abroad for a holiday, to visit family or for a short break
Professionals who travel abroad often for business trips, trade fairs and meetings
People planning activities such as skiing or diving who want to travel with extra cover
Families travelling with children or older relatives

What is Overseas Travel Health Insurance and what does it do?

Going abroad is exciting, but falling ill or having a minor accident in a foreign country is anything but. In many countries, a single trip to A&E can turn into a serious bill, and finding the right hospital somewhere you don't speak the language is a challenge in itself.

That's where Overseas Travel Health Insurance comes in. It covers your medical treatment costs if you fall ill or have an accident, and if necessary transfers you to a suitable healthcare facility or back home. From lost luggage to a stolen passport, and from delayed baggage to a trip you have to cancel, it's there for many of the things that can make travel difficult.

We set your policy day by day to match your trip, whether it's a weekend away or a long plan spread over a year. We get the document you need for your visa application to you on time, so you can concentrate on packing.

When you take it out with Atom Sigorta

Flexible terms from 1 day to 1 year to suit your trip
A policy that meets the visa requirements of Schengen and other countries that ask for health insurance
A flexible product that can also cover older travellers
Optional extras for activities such as skiing and snowboarding, and for epidemics
Your policy in digital form the same day; we handle the paperwork
Assistance in Turkish while you're abroad

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.

Emergency Medical Treatment

For sudden illness or accidents on holiday or on a business trip, consultation, test and medication costs are covered within your policy limits. This is the cover Schengen visa applications ask for.

Hospital Admission and Surgery

If you need to be admitted to hospital while abroad, hospital, theatre and anaesthesia costs are covered. The scope depends on your policy and the package you choose.

Emergency Dental Treatment

If you get severe toothache while travelling, emergency treatment to relieve the pain is covered up to the amount set out in the policy. Crowns and implants aren't included.

Medical Transfer and Ambulance

If the treatment you need isn't available where you are, the assistance team arranges your transfer to a properly equipped centre and the policy covers the cost.

Return to Türkiye After Discharge

If a doctor decides it isn't safe for you to fly home on a scheduled flight once treatment is over, a suitable return is arranged. If you need someone to accompany you, that's included in the arrangements too.

Repatriation of Remains

In the saddest of circumstances, the transfer of the insured person to Türkiye and the related official paperwork are taken care of, so the family doesn't have to deal with it alone abroad.

Lost, Stolen or Damaged Baggage

If the suitcase you checked in with the airline is lost, stolen or damaged during the flight, your loss is paid within policy limits.

Baggage Delay

If your suitcase doesn't arrive on the same plane as you, you're reimbursed for the clothes and toiletries you had to buy while waiting.

Flight Delay

If your scheduled flight is delayed for longer than the period stated in the policy, food, drink and other necessary spending while you wait at the airport is covered.

Lost Passport and Travel Documents

If your passport or ticket is lost or stolen, the fees you pay to replace it and the related travel costs are covered under the policy.

Emergency Messages

If something urgent happens abroad, a message is passed on to your family or workplace. When you can't get in touch, the assistance team bridges the gap.

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 Overseas Travel Health Insurance

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

If you're travelling to the Schengen area on a visa, yes. EU visa rules require a policy with at least €30,000 of cover, valid in all Schengen countries for your entire trip. Some other countries ask for a similar document with visa applications. It isn't compulsory for countries that don't require a visa, but given healthcare costs there, it makes a great deal of sense.

The policy starts on the travel start date you give us and ends after covering your return day as well. Visa applications require the policy to cover your whole trip, so it's important to give us exact dates.

Yes, in situations that can be documented, such as a visa refusal, a serious accident, the death of a close relative or a natural disaster, provided you apply before the policy start date. Send us the documents and we'll handle it.

Age limits, and any extra conditions for older travellers, vary by insurer and package. When preparing your quote, we look for options that suit your age group and pass them on to you.

This policy is for sudden and unexpected situations that arise while travelling. Planned treatment of conditions that existed before your trip isn't covered; if an emergency related to such a condition develops, emergency treatment is assessed in line with the policy terms.

Wherever possible, the assistance team directs you to a contracted facility and tries to arrange direct payment. If that isn't possible, you can pay yourself and claim a refund with invoices and medical reports.

Yes. Annual policies are available for frequent travellers. Tell us roughly how many trips you take and how long you usually stay, and we'll work out the right set-up together.

If your details are complete, the policy is issued the same day and sent to you digitally. You don't need to do anything else to have it ready for your visa appointment.

Get a quote

Get a quote for Overseas Travel 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