Credit Life Insurance​

It is an insurance that pays the loan debt of Odeabank customers in case of any death event. With this insurance, loved ones are financially secured in the event of the customer's death. For policies issued against personal loans from Odeabank, in case of loss of life within the insurance period, the loan debt is settled. After the debt is settled, the remaining insurance indemnity amount, if any, is paid to the legal heirs or, if specified, to the beneficiary(ies) specified in the certificate. Four-Four Assistance service is provided free of charge with Credit Life Insurance. Dört Dörtlük Asistans is at the service of customers with medical consultancy, hospital transportation, medication referral and more when health services are needed.

From the age of 18, healthy people can benefit from this insurance. The upper limit of entry age varies according to the products.

Main Collateral

Farewell

This coverage is paid to the beneficiary in the event of death of the insured during the insurance period. This coverage does not cover death due to air travel other than as a passenger, suicide, death during war or death due to exposure to AIDS, nuclear, biological or chemical substances.

Additional Guarantees

Depending on the loan type, the following additional guarantees may be offered for some products.

Permanent Disability as a Result of an Accident

Permanent disability refers to the permanent disability of the insured immediately or within two years from the date of the accident as a result of an accident occurring during the insurance period. Permanent disability coverage is paid to the insured according to the permanent disability rate specified in the general terms and conditions of personal accident insurance.

Accident Treatment Expense

Accidental Medical Expenses Coverage provides comprehensive protection for medical expenses incurred in or out of hospital in the event of an accident.

Permanent Total Disability as a Result of Illness

In the event that the insured becomes permanently totally disabled due to any disease, the amount specified in the policy will be paid provided that the disability rate is 60% and above in the disability medical report to be obtained from a state or university hospital. Congenital diseases, AIDS and its complications, diseases that started before the insurance, check-ups, aesthetic/cosmetic surgeries, childbirth and its complications, mental/neural diseases are excluded from this coverage.

Employment Related Revolving Coverages: Involuntary Unemployment, Temporary Incapacity or Daily Hospital Indemnity coverages where the indemnity payment is made depending on the employment status of the Insured at the time of the risk.

• Involuntary Unemployment: Involuntary Unemployment coverage where compensation is paid depending on the employment status of the Insured at the time of the risk.
• Temporary Incapacity for Work: This refers to the compensation paid to compensate for loss of income in the event that the Insured is temporarily unable to work due to illness or accident.
• Daily Hospital Compensation: This is the coverage that covers the expenses incurred under the conditions specified in the policy in cases where it is medically necessary for the insured to receive inpatient treatment in a hospital as a result of an accident or illness.

Critical Illnesses

This coverage is a Critical Illness coverage that covers the payment of the sum insured when one of the 13 critical illnesses is diagnosed, depending on the policy conditions.

Additional Benefits

Dört Dörtlük Assistance

Dört Dörtlük Asistans offers free or discounted services 24 hours a day, 7 days a week within the scope of medical assistance, housing assistance, travel assistance and organization services.

Free or discounted Dört Dörtlük Assistance* services include medical assistance, including medical consultation, hospital transfer, medication referral and more; housing assistance, including information hotline, internal water and electrical wiring repair, locksmith dispatch and glass breakage, organization of sending a doctor, ambulance, nurse for care to the residence in case of emergency; travel assistance, which offers overseas services such as pre-travel service, document loss, bail / emergency advance payment; city guide service and organization services for your needs such as reservation, organization services and Business Line service.

To benefit from this assistance provided free of charge by MetLife, you can call the assistance company at 0216 528 10 00 or click here to make an appointment online.