Emirgan Insurance for Families: Home, Health and Travel

Emirgan, with its green park and quiet streets on the Bosphorus, is a neighbourhood where families tend to stay for many years. When insurance comes up here, three topics usually lead: the home and what is inside it, the health of everyone from children to grandparents, and regular travel abroad. This page shows how a family in Emirgan, whether Turkish or newly arrived from abroad, can plan all three together.

The home: value that builds up over the years

In families who have lived in the same house for a long time, the value of the contents often grows without anyone noticing. A new kitchen, new appliances, a library, artwork or a musical instrument that never makes it onto the policy can leave you underinsured after a loss. At every renewal of your home insurance we suggest this check:

• Are the building and contents values current?
• Did you buy anything valuable in the past year?
• Has the home been renovated, or the plumbing replaced?
• Does the house stay empty for long periods during holidays or trips home?

DASK is compulsory for registered homes, but it does not cover contents; protecting your belongings against earthquake is done through the earthquake section of a home policy.

What does underinsurance mean?

If the sum on the policy is lower than the real value of what is insured, you are underinsured. In that case, even for a small loss, the insurer may reduce the payment in proportion to the gap between the insured sum and the real value, according to the policy terms. So the shortfall can come out of your pocket not only after a major loss but after a partial one too. Families who have renewed the same policy for years rarely notice this, which is exactly why the yearly check matters. Before signing a renewal, simply go through the values with us.

Family health: one policy does not fit everyone

People living under one roof have different health needs. For a family with young children, outpatient care and paediatrician visits matter; for older parents, inpatient treatment and a broad hospital network may come first. Complementary health insurance pays the extra fee at SGK-contracted private hospitals under the policy terms; private health insurance can offer wider options. Families who have moved to Türkiye should also keep in mind that residence permit applications usually require a valid health policy for each applicant. Thinking about each person separately and then building a shared plan works well. Details: health insurance.

Health cover when travelling abroad

Travel health insurance is required for Schengen visa applications. Beyond visas, an unexpected illness or accident abroad can mean heavy local medical bills. For families who travel several times a year, we look at your habits to decide whether a policy per trip or an annual policy makes more sense; see travel health insurance. When travelling with children, make sure every family member is named on the policy, since a document may be requested for each person at the visa stage. If you will be away for a long time, read the vacancy conditions in your home policy before you leave.

Meeting and quotes

From Emirgan you can visit our Maslak office or run the whole process by phone. For the home we need the title deed details; for health, dates of birth of family members; for travel, the destination and dates. We compare offers from several insurers in plain language. You will find the office at Maslak Mah. Atatürk Oto Sanayi Sitesi 1. Kısım, 40. Sokak No: 296, Sarıyer; we are there on weekdays from 09:00 to 18:00 and on Saturdays from 09:00 to 13:30. Call +90 530 375 89 61 or write on WhatsApp; English-speaking support is available.

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