Does my Traffic Insurance provides compensation for the damage in my car?
Traffic Insurance provides compensation only for the damages caused to third parties, and does not compensate the damage of your own car. For that, you must get a casco insurance.
What happens if I forget to renew my Traffic Insurance policy at the end of the term?
As a vehicle owner, you are obliged to renew your Traffic Insurance policy as of the ending date of the agreement. As of the ending date of the agreement, for every 30 days that the agreement is not renewed, the premium for the next agreement is calculated by adding 5%, with a limitation of 50%. Additionally, in the case that the traffic police detects that your vehicle does not have a traffic insurance, the vehicle is disqualified from being used in traffic and a pecuniary fine is imposed.
What is Mandatory Traffic Insurance?
Traffic Insurance provides compensation for damages caused to third parties by a motor vehicle at fault. In additon to compensating pecinuary damages and treatment expenses regarding the accident, payment is made to persons who are deprived of the support of those who became permanently disabled or lost their lives in the accident. Deprivation compensation varies according to the age and income of the person who lost his/her life or became disabled.
How can I make my premium payments?
You can pay your premiums from your credit card or account, in lump-sum or in installments.
What is Private Pension System?
Private Pension System is a special pension system that enables you to securely build up savings and turn these savings into an investment. When you retire, you have to option to receive the savings you have built up through your investments in lump sum or as pension payments.
Private Pension System is a system that provides a second source of retirement income in addition to the social security system where funds are managed by expert private asset management companies. It is supported by the government through various tax advantages. It is not an alternative for the social security system but rather a complementary system. Enrollment in this system, unlike the social security institutions, is optional.
Bireysel Emeklilik Sistemin'de sunulan haklar nelerdir? - FAQ
Hakların Kullanımı
Bireysel emeklilik sözleşmesinde ve gruba bağlı bireysel emeklilik sözleşmesinde, sözleşmeden doğan haklar kural olarak katılımcı tarafından kullanılır. Bu sözleşmelerde, sistemden ayrılma ve emeklilik hakkı hariç diğer hakların katılımcı ad ve hesabına katkı payı ödeyen kişiler tarafından kullanılması kararlaştırılabilir.
İşveren grup emeklilik sözleşmesinde, fon dağılımı değişikliği, emeklilik planı değişikliği ve birikimin aktarımı hakları, sözleşmede belirlenen hak kazanma süresi sonuna kadar kural olarak sponsor kuruluş tarafından kullanılır. Emeklilik sözleşmesinde belirtilmesi koşuluyla, sponsor kuruluş, fon dağılımı değişikliği hakkının kullanımını katılımcıya devredebilir. Katılımcının kabul etmesi durumunda, bu fıkrada belirtilen haklar, hak kazanma süresi tamamlandıktan sonra da sponsor kuruluş tarafından kullanılabilir.
Fon Karması Değişikliği
Bireysel emeklilik hesabındaki birikimin ve ödenen katkı paylarının fonlar arasındaki dağılım oranlarını veya tutarlarını, bir yılda azami altı kez değiştirebilirsiniz. Bu yöndeki değişiklik talebinizi, yazılı olarak veya çağrı merkezimizden veya internet sitemizde bulunan Müşteri Girişi'ndeki güvenli sayfanızdan yapabilirsiniz.
How does the Private Pension System work?
In line with your risk and return preferences, you select a plan and investment strategy that best suits your needs among the pension plans that our company recommends or available for your preference. You can see an estimate for the savings amount that you will receive in your retirement based on the contribution amount that you are willing to pay. If you accept, you must fill out and sign the Enrollment Information Form and Offer Form. You receive the copies of the signed forms and an introductory guide. Your pension agreement goes into effect as of the 30th day following the date you have signed the offer form. If you wish you may change your pension plan up to 4 times a year, and the fund distribution of your contribution payments up to 6 times a year. After 1 year following the agreement, you can transfer your savings to another company without losing your rights. You can combine your private pension accounts opened at the same company or different companies.
Who can apply for the Private Pension System?
Anyone who is over the age of 18 and able to exercise his/her civil rights can apply for the Private Pension System.
Bireysel Emeklilik Sistemi'ne giriş süreci nasıl oluyor? - Sigorta ve Emeklilik - BES - FAQ
Bireysel Emeklilik sözleşmesi, şirket tarafından reddedilmediği takdirde, varsa blokaj süresinin tamamlanmasını müteakip, katkı payı olarak yapılan ilk ödemenin şirket hesaplarına nakden intikal ettiği tarihte yürürlüğe girer.
Teklifin şirket tarafından reddedilmesi halinde, verilen ödeme talimatları iptal ettirilir ve varsa yapılan tüm ödemeler hiçbir kesinti yapılmadan beş iş günü içinde ödeyene iade edilir.
How do I retire in the Private Pension System?
The participants become entitled for pension after making contribution payments for 10 years and completing the age of 56.
What is a Pension Agreement?
Pension Agreement is an agreement that regulates the principles regarding your enrollment in the Private Pension System, contribution payments and investing of these payments in funds, management of your savings in private pension accounts, deductions to be made, your exit from the system, your eligibility for pension, payments to be made to you and your beneficiaries, and other rights and obligations of the parties. The offer form and the enrollment information form are integral parts of the agreement.
What is a Pension Plan?
A Pension Plan contains the names of funds offered to our participants within the scope of the plan, minimum contribution payment amount, admission fee, administrative fee, fund management fee, relevant calculations and other technical principles regarding the execution of the pension agreement.
How do I select a Pension Plan?
You can fill out a Risk-Return Profile Form at our branches for us to determine your investment profile and recommend you the most suitable pension plan.
If you wish, you may select a different pension plan than the one you have been offered. You have the right to change the pension plan you have selected with another pension plan up to 4 times a year.