Ancillary Benefits Definition
Before we talk about the definition of ancillary health insurance, let’s talk about ancillary benefits. Benefits are additional benefits that the employer offers to the employee in return for a certain service. Some ancillary benefits, such as ancillary insurance and social security, are mandated by law. Other ancillary benefits are left to the initiative of the employer. Examples of ancillary benefits include free breakfast and lunch, roadside assistance, private health insurance, childcare, gym membership, education and clothing assistance.
Today, many employers are aware of the importance of employee satisfaction. For this reason, companies create a wide support system to create a corporate culture and ensure the commitment of employees to this culture. In this support system, apart from the salaries, some rights are offered to make the lives of the employees easier. At this point, the concept of flexible ancillary benefits comes to the fore.
Ancillary Health Insurance
Ancillary health insurance; It covers unlimited inpatient treatments (including room / intensive care room, bed and meal expenses of the companion) and chemotherapy, radiotherapy and dialysis treatments regardless of whether they are outpatient or inpatient. Apart from these, ancillary health insurance:
- Unlimited 100% valid at contracted institutions.
- Inpatient treatments with or without surgery,
- Standard room / intensive care room, companion bed and meal expenses,
- Chemotherapy, radiotherapy, dialysis treatments,
- Day treatments (minor surgery expenses),
- Life-threatening emergency treatments,
- Terrorism-related expenses are capped at $50,000 per year.
- Home Care and Treatment at Contracted Institutions with an annual limit of $30,000 (up to 56 days) and 100% valid.
- Artificial Limb is 100% valid with an annual limit of $30,000.
- Medical Supplies are 100% valid with an annual limit of $5,000.
- Additional limit opportunity in non-agreement institutions
has such features.
Outpatient Treatment Coverage with Ancillary Health Insurance
Outpatient Treatment Coverage is also provided if the coverage of the ancillary health insurance policy is preferred. It can be selected 4 or 10 times a year in contracted health institutions, taking into account the expenses of the doctor’s examination, x-ray, laboratory tests and advanced diagnostic methods provided in cases where there is no inpatient treatment. The analysis, x-rays and examinations made within the examinations are included in the number of examinations.
- 100% valid for 4 or 10 units in Contracted Institutions.
- Medical examination,
- laboratory tests,
- Advanced diagnostic methods (MR, Tomography, Ultrasound, EKG and Bioxies),
- Physiotherapy and Rehabilitation (limit of 30 sessions in Contracted Institutions).
Birth Insurance Policy
Maternity Coverage is also provided if the coverage of the ancillary health insurance policy is preferred. Women aged 18 and over can benefit from maternity coverage. Expenses of all inpatient treatments related to normal delivery, cesarean section, delivery and pregnancy complications are covered by 100% of the birth coverage specified in the policy. Periodic doctor’s examinations related to pregnancy, TORCH before pregnancy and follow-up and examinations during pregnancy (TORCH, amniocentesis, NST, Down triple scan, etc.) can be used once.
- Normal birth,
- Cesarean section,
- Birth and pregnancy complications
- Periodic doctor examinations related to pregnancy,
- Examination during pregnancy.
- A 12-month waiting period is applied for pregnancy-related expenses within the scope of maternity coverage.
Newborn expenses of the baby are not covered by the birth coverage.
Ancillary Benefits For Employees
Benefits are additional benefits offered by companies and employers above the salary specified for employee performance. Some fringe benefits, such as social security and health insurance, are mandated by law, while others are voluntarily provided by the employer.
- Health insurance
- Unemployment insurance
- Medical Leave
- Workers Compensation
- Meal Fee
- Roadside Assistance
- Stock Options
- Disabled Insurance
- Paid Vacation
- Retirement Planning Services
- Life insurance
- Paid vacation
- Achievement Awards
- Fitness Training
- Employee Discounts
- Meal Plans
- Gift Certificates
- Company Vehicle
- Phone company
- Birthday Leave
- Extra Maternity Leaves for Mothers and Fathers
- Supply Aid
- Education Allowances