Dear foreign health insurance customers ( yabancı sağlık sigortası ), today we will go through the basic types of insurances for you in this blog series. Together with this blog series, we plan to provide you with more detailed information about the basic types of insurance and resolve the question marks in your mind about this topic. If you are ready, let’s start our article with DASK Insurance commonly known as Mandatory Earthquake Insurance, which is the first type of insurance we will examine;
Mandatory Earthquake Insurance (DASK)
Mandatory Earthquake Insurance, which came to the fore with the Marmara Earthquake that occurred in our country, is a protective insurance for your residence from earthquakes and other earthquake-related disasters.
Due to Turkey's geological position, 98% of its population lives in earthquake zones. Earthquake insurance, which is made mandatory both for this reason and due to factors, such as Marmara Earthquake, includes fire, tsunami and ground shift due to earthquakes and and earthquakes. DASK, which covers the damages caused by these reasons within the limits set out in your policy, makes payments regardless of the partial/complete damage to your building.
The building sections guaranteed by compulsory earthquake insurance can be listed as follows:
- Main walls
- Common walls
- Garden walls
- Retaining walls
- Ceiling and floor
- Stairs
- Elevators
- Stairheads
- Corridors
- Roofs and
- Chimneys.
The necessary documents for Mandatory Earthquake Insurance (DASK) are as follows;
- First name, last name and phone number
- Your ID number
- Your open address
- Residence information
- Year of construction of your building
- Building style
- Total number of floors
- Damage status
- Gross area of your apartment
The policy prices for Mandatory Earthquake insurance do not differs between insurance companies. The policy costs of DASK insurance are set to be fixed for buildings.
Compulsory Earthquake Insurance, which must be done as mentioned in the name, does not cover the areas and belongings in your residence. If you want to cover the items contained in your home, residence insurance is needed at this point which we will explain in our article. The biggest difference between Residence Insurance and Compulsory Earthquake Insurance is that housing insurance is made on demand. Although optional, we recommend that our foreign health insurance customers (yabancı sağlık sigortası) buy both of these insurances.
Housing Insurance
Housing Insurance, also known as home insurance, is a type of insurance that protects your home and valuables inside your home. Unlike DASK Insurance, this insurance can cover many other situations, such as theft, along with natural disasters. For damages indicated in your policy, your damages will be covered within the limit contained in your policy.
Although the main guarantees in Housing Insurance are often the same, there may be a difference between additional guarantees and assurances between insurance companies. For this reason, we advise our foreign health insurance (yabancı sağlık sigortası) customers to make a detailed comparison between insurance companies before buying housing insurance and to choose the policy that best suits them.
In the event of any financial loss or damage, you can initiate the coverage request to ensure that your losses are covered by housing insurance by obtaining the documents that will be requested by the insurance company.
E-ikametsigorta.com is an online purchasing platform that offers foreign health insurance ( İkamet için yabancı sağlık sigortası ) services for residency. Please visit the home page of our website for our foreign health insurance services.
Best Regards
The E-İkamet Sigorta Team
Important Note; Make all your residency transactions yourself at https://e-ikamet.goc.gov.tr/, the official website of the Republic of Turkey. Avoid sharing your personal information with third parties and intermediaries.
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