Every patient who has surgery with us is covered by a complication insurance policy. We arrange it, we pay for it, and it covers treatment in Istanbul and in your home country for up to 12 months after surgery.
The question we hear most often from international patients is not about the operation. It is about what happens afterwards: “If something goes wrong once I am home, who looks after me and who pays?” This page answers that question plainly.
Why there is an insurance policy at all
Since 2025, Turkish regulations require complication insurance for every surgical procedure performed on an international patient in an operating room. We take that requirement seriously rather than treating it as paperwork. A policy is issued in your name before your surgery, the premium is paid by us, and you receive the policy document so that you know exactly what is covered before you travel.
The policy is issued by a licensed Turkish insurer with its own claims call center. The surgeon and the hospital are not the ones deciding whether a claim is paid; the insurer is. That independence is the point.
What the policy covers
Treatment of complications in Istanbul. If a complication related to your surgery needs treatment, the cost of that treatment, including a revision procedure, tests and medication during the stay, is covered up to the policy limit. For more extensive operations we raise the limit to 5,000 EUR.
Your return trip. If you need to come back to Istanbul for that treatment, the policy reimburses an economy flight and accommodation outside the hospital, within the limits stated in your certificate.
Treatment in your home country. Not every problem needs a flight. A wound that is slow to heal, a small infection, a stitch that needs attention: these are usually treated near you. For more extensive operations the policy includes home-country treatment, so you can see a doctor at home, pay the bill, and have it reimbursed within the policy limit. You do not have to choose between flying back and paying out of pocket.
Travel health cover. The same policy includes travel health insurance for your time in Turkey: illness unrelated to the surgery, emergency medical transport and medical advice by phone.
Duration. Cover starts on the day of surgery and runs for up to 12 months, depending on the plan issued for your operation. The exact period is printed on your certificate.
What the policy does not cover
We would rather you read this before surgery than discover it afterwards.
- A revision requested because you would prefer a different result. Insurance covers medical complications, not changes of preference. Our own revision policy is discussed with you at consultation.
- Complications of a problem that is not related to the surgery, for example an illness you already had.
- Physiotherapy or rehabilitation after a complication, and medication bought outside the hospital.
- Travel and accommodation for a companion.
- Problems that appear after the policy period has ended.
Complications are covered when they are among the risks listed in the informed consent you sign before surgery. This is one of the reasons our consent forms are long and specific, and why we go through them with you rather than handing them over to sign.
If something worries you after surgery
Write to us first, not to the insurer. Send a photo and a short description to +90 544 772 0772, at any hour. In most cases what you are seeing is normal healing, and we will tell you so the same day. If it needs treatment, we tell you whether to see a doctor near you or to come back, and our patient coordinator prepares the insurance claim file with you: the surgery report, the invoices and the forms the insurer asks for. You are not left to deal with an insurance company alone in a foreign language.
If you would like more extensive cover
Some patients want a higher limit or a longer period for their own peace of mind. Tell us before your surgery and we will arrange the most comprehensive policy the insurer offers for your operation. The cost of insurance is not a reason for anyone to travel with less cover than they are comfortable with.
Common questions
Will I see the policy before I travel? Yes. The policy and the certificate with your name, the coverage limits and the period are sent to you before surgery.
Do I pay anything for it? No. The premium is included in what we arrange for your stay.
Does the insurance replace the surgeon’s responsibility? No. Complication insurance covers the cost of treating a medical complication. It does not change the responsibility we carry for your care, and it does not change the fact that you can reach the surgical team directly at any stage.
Which policy applies to my operation? It depends on the extent of the surgery. The policy that applies to your plan is stated in the written treatment offer you receive from us before booking.
If you are planning surgery in Istanbul and want to know how your operation would be covered, send your photos and questions to +90 544 772 0772. They are reviewed the same day by the surgical team led by Dr. Mustafa Aydınol, not by a call center.
