How do you choose the right personal insurance product?

The most common mistake in personal insurance is buying a single product that leaves you under-protected, or overpaying thousands in premium for coverage you do not need. As Neolife Group, acting as your independent broker, we:

  • Analyse your risk profile and identify the coverage you genuinely need.
  • Compare multiple insurers and present the most competitive price.
  • Manage insurer communication at claim time and track your indemnity process.

Below you will find all products in the personal insurance ecosystem. Click through to each product page for a full breakdown.

Not to be confused with corporate products: The products on this page are for personal and family use. For corporate solutions (group health, fleet motor, engineering, energy) please visit the All Solutions page.

All personal insurance products

🏠

Home Insurance

Fire, internal water damage, theft, loss of rent and neighbour liability.

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🌍

DASK Earthquake Insurance

Compulsory earthquake insurance — legal protection for the main structure of your building.

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🚗

Comprehensive Motor Insurance

Voluntary motor insurance — protection against accident, theft, fire and natural disasters.

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🚦

Third-Party Liability Insurance

Compulsory motor liability — legal protection for damage caused to the other party.

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🏥

Private Health Insurance

Private hospital coverage independent of the state system; comprehensive individual health insurance.

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💊

Complementary Health Insurance

Supplementary insurance covering the co-payment gap at private hospitals for those with state coverage.

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🌐

Foreign Residents' Health Insurance

Health coverage for foreign nationals residing in Turkey.

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✈️

Travel Health Insurance

Emergency medical treatment cover for Schengen and international travel.

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❤️

Life Insurance

Long-term protection covering death from both accident and illness.

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🏦

Private Pension (BES)

Savings-based retirement planning with state contribution.

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⚡

Personal Accident Insurance

Death and disability compensation following an accident; core protection at a lower premium.

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Who is this for?

  • Homeowners and tenants: Home insurance and DASK earthquake insurance.
  • Vehicle owners: Comprehensive motor and compulsory third-party liability insurance.
  • Those seeking health coverage: Private health, complementary health, foreign residents' health, travel health.
  • Family protection: Life insurance and personal accident insurance.
  • Retirement planning: Private pension system (BES).

Frequently asked questions

What is the difference between personal and corporate insurance?
Personal insurance products are designed for individuals and families (home, motor, health, life). Corporate insurance covers products tailored for companies (group health, fleet motor, engineering, liability). Some products (life insurance) are suitable for both personal and corporate use.
Which insurance products make sense to buy together?
For the most comprehensive family protection: home insurance + DASK, comprehensive motor + third-party liability, life insurance + personal accident, and private health or complementary health. This combination covers the four core risk areas of life: property, vehicle, health, and income loss.
Which insurance is compulsory?
Third-party liability (motor) insurance is compulsory for all vehicle owners. DASK earthquake insurance is compulsory for registered residential property owners. All other personal insurance products are voluntary; however, widely used products such as comprehensive motor and health insurance are strongly recommended.
What is the difference between buying through an independent broker versus directly from an insurer?
An independent broker like Neolife Group is not tied to a single insurance company. We survey the market on your behalf, compare quotations, and support you throughout the claims process. When you buy through an insurer's own sales channel, you have access only to that company's products.