Insurance Policy Start Date: September 5, 2026 at 12 p.m.
Insurance Policy End Date: September 5, 2027 at 12 p.m.
Insurance Company : Bupa Acıbadem Sağlık ve Hayat Sigorta A.Ş
Insurance Broker : Bilsigorta Ve Reasürans Brokerlığı A.Ş.
Insurance Representative: saglik@bilsigorta.com.tr – 0 (530) 762 92 50
İrem Çele – iremcele@bilsigorta.com.tr – 0 (535) 205 68 47
A.1. GROUP HEALTH INSURANCE PLAN COVERAGE AND PREMIUMS
İhsan Doğramacı Bilkent University Group Health Insurance Plan covers the University employees and their spouses & children (up to and including the age of 23). The University subsidizes half of the premium, and the other half is automatically deducted from the employee’s salary monthly.
2026 – 2027
| Health Insurance Plan |
Employee Monthly Contribution Fee |
Explanation |
| Individual | 3,420 TL / per person | An individual health insurance plan covers only the employee. |
| Family | 6,840 TL / per person | A family health insurance plan covers the employee, his/her spouse and children. |
Children between the ages of 24-29 (including 29), who are single and continuing their education while living with their families can be covered by the same plan paying additional 5,950 TL /per person.
A.2. GROUP HEALTH INSURANCE PLAN PARTICIPATION AND TERMINATION
A.2.1. In the case that the employee conducts the application procedures within a month of his/her first working date in the University, the employee and his/her family members (under dependent status) will be covered by the insurance. In order to initiate the process, the employee should follow these steps.
A.2.2. If the employee has an individual health insurance policy (with Bupa Acıbadem Sigorta or another insurance company) prior to joining the company, they may apply for inclusion in the Bilkent Group Policy during the renewal period, i.e., within 30 days following the expiry date of their existing policy.
A.2.3. For employees who were previously insured under another group health insurance policy and subsequently join the Bilkent Group Policy, risk assessment is conducted only for conditions falling within the 1st-degree risk category (such as cancer, cardiovascular diseases, lung diseases, kidney diseases, diabetes, etc.). Any pre-existing conditions that date back to the period prior to the commencement of the policy will be excluded from coverage.
A.2.4. In case of a change in marital status, the employee should notify the HR Office within a month of this change and apply to transfer to either an individual or family coverage plan depending on the change.
A.2.5. An employee who has a newborn baby should conduct the application procedures within a month of birth to include the baby in the family coverage plan. In order to initiate the process, the employee should follow these steps.
A.2.6. In the case that the employee’s contract ends with the University, the group health insurance coverage plan is terminated on the same day. Notification regarding the employee’s resignation is given to the insurance company by the HR Office.
A.2.7. Except for the employee’s resignation and/or death, the group health insurance plan is not terminated during the term of the contract.
A.3. GROUP-SPECIFIC PRIVILEGES
A.3.1. Routine eye examinations are covered once a year, even if the insured person has an existing exclusion for eye-related conditions. When applying to the hospital, the insured person must indicate that they wish to use their annual eye examination entitlement under the Bilkent University Group Health Insurance Policy.
A.3.2. For insured persons over the age of 40, the following preventive screening services are available once a year at no additional cost, by appointment through the senCard Healthy Living Hotline at 0 850 203 86 09. For women: Mammography + Breast Ultrasound. For men: PSA + Free PSA. This benefit is valid only at healthcare providers where the appointment has been made through the specified telephone number.
A.3.3. For outpatient services provided at Bilkent Health Center and Türklab laboratories, the insured person’s co-payment will be 20%.
A.3.4. Wellness Package: All insured persons are entitled to a complimentary Comprehensive Dental Examination + Vitality Check + Dental Scaling (Détartrage) + Polishing service by calling the senCard Healthy Living Hotline at 0 850 203 86 09 and making an appointment. This benefit is valid only at healthcare providers where the appointment has been made through the specified telephone number.
A.3.5. Video Consultation: Online consultations are available across all medical specialties, including dietitians and psychologists, at no additional cost. This service is provided for consultation purposes only and does not include diagnosis, treatment, or prescription of medication.
A.3.6. Blua Prescription: Prescriptions issued by physicians consulted online may also be covered under the policy. Insured persons can make an appointment through the senCard application on their mobile phone or computer, connect with a specialist without visiting a hospital, and explain their medical concerns. Any prescribed medication can then be obtained from a pharmacy by presenting the prescription and paying the applicable co-payment.
A.4. WAITING PERIODS
A.4.1. For maternity coverage, a 3-month waiting period applies during the first policy period for pregnancy and family planning services (IUDs are excluded from coverage). The maternity benefit has an annual limit of 60,690 TL and is covered at 100%.
A.4.2. A 6-month waiting period applies to surgical procedures for individuals insured for the first time.
A.4.3. For our Group Health Insurance Policy, a diagnostic benefit with no co-payment has been added for this year. Under the no-co-payment diagnostic benefit, no co-payment is applied to outpatient treatment benefits at NW contracted healthcare providers. This provision applies to contracted physicians providing medical examinations.