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Home Insurance

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Evim Saray Home Insurance

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Information on the Protection of Personal Data

Regarding the Personal Data Protection Law No. 6698 (“PDPL”) published in the Official Gazette dated 7 April 2016 and numbered 29677 in order to protect the fundamental rights and freedoms of individuals, the privacy of private life in particular, in the processing of personal data and to determine the obligations of natural and legal persons who process personal data; as Ray Sigorta A.Ş., a company registered at İstanbul Trade Registry Office with registration No. 297257 and residing at Cumhuriyet Mah. Haydar Aliyev Cad. No: 28 34457 Sarıyer /İstanbul (“Ray Sigorta”), in the capacity of Data Controller, we would like to inform you in accordance with Article 10 of the Law titled “Information Obligation of Data Controller.”

Ray Sigorta A.Ş. keeps the system infrastructure and internet contents at the most reliable level in order to protect the privacy of the personal information it receives from its customers and/or customer’s officials and/or shareholders and/or business partners.

For what purposes can your personal data be processed?

Ray Sigorta A.Ş. may collect identity information, contact information, insurance information, health information, health process information, health risk management information, claim information, and personal data and/or sensitive personal data in other categories permitted by the legislation (collectively, “personal data”) from Health Insurance Information and Supervision Center (SAGMER), the Ministry of Health, Social Security Institution (SSI), health institutions and organizations, insured candidates and insured persons. Your collected personal data may be processed for the following purposes:

  • Preparation of insurance offers, provision of insurance services,

  • Fulfillment of the requirements of your agreement and policy, the inclusion of spouse, children, and related persons in the policy,

  • Fulfillment of legal obligations in accordance with the legislation to which Ray Sigorta A.Ş. is subject,

  • Fulfillment of data storage, reporting and information obligations stipulated by the Undersecretariat of Treasury and other authorities,

  • Execution of reinsurance processes,

  • Making recourse requests to insurance companies and third parties and following up on these requests,

  • Execution of communication activities,

  • Detection of false damage notifications,

  • Sharing some data regarding the lawsuits (and/or arbitration files) and/or notices of claim with actuary companies and making damage assessments,

  • Providing support from companies that provide external services,

  • Providing services from insurance support service providers,

  • Carrying out risk analysis and management activities,

  • Payment of brokerage commissions,

  • Execution and performance of brokerage agreements,

  • Sending commercial electronic messages with your permission,

  • Creating and tracking visitor records separately for the website and physical space,

  • Performing personalization, targeting, and advertising activities on our website,

  • Performing the essential functions necessary for the operation of our website, analyzing our website, and improving its performance.

To whom and for what purpose do we transfer your personal data or sensitive personal data?

For the purposes and legal reasons stated in this information text,

Your personal data or sensitive personal data may be transferred to MASAK, regulatory and supervisory public institutions and organizations such as the Republic of Turkey, the Ministry of Treasury and Finance; insurance support service providers, intermediaries, other insurance companies, SAGMER, third parties from whom services are received domestically, program partner organizations with which we cooperate, other third parties, and reinsurers due to reinsurance transactions that are complementary to insurance activities in order to carry out our insurance activities; and our principal shareholder, direct/indirect shareholders, and group companies operating in the country in order to ensure the continuity of our business activities.

Method and Legal Reason of Collection of Personal Data

Your personal data may be collected verbally, in writing, or electronically by the General Directorate, third-party agencies we cooperate with, banks, brokers through different channels such as www.raysigorta.com.tr, our mobile application, and our call center at 444 4 729.

Your personal data collected through the methods mentioned above may be processed and transferred by obtaining explicit consent pursuant to the principles stipulated in article 4/2 of the PDPL or without obtaining explicit consent in case of the existence of the situations specified in the provisions of articles 5/2 and 6/3 of PDPL, as the case may be.

What are Your Rights as the Data Subject?

Pursuant to Article 11 of Personal Data Protection Law (PDPL), you have the right:

  • to learn whether your personal data are processed or not,

  • if processed, to request information regarding this procedure,

  • to learn the purpose of your data processing and whether such data are used for intended purposes,

  • to learn the third parties in the country or abroad to whom personal data have been transferred,

  • if personal data is processed incompletely or inaccurately, to request correction of the same and request for such correction to be informed to the third parties to whom the personal data is transferred,

  • to request deletion or destruction of personal data pursuant to article 7 of PDPL(*),

  • to request reporting of the operations carried out pursuant to sub-paragraphs (d) and (e) above to third parties to whom the personal data have been transferred,

  • to object to occurrence of any result that is to his/her detriment by means of the analysis of personal data exclusively through automated systems,

  • to request compensation for the damage arising from the unlawful processing of your personal data.

(*) We have legal liabilities to keep the documents related to the transactions carried out with you. If you prefer your personal data to be deleted or destructed, we will only be able to fulfill your request at the end of the period determined within the scope of legal liabilities.

If you need more information about your personal data, you can reach our Customer Services by calling 444 4 729 or using the contact form at www.raysigorta.com.tr.

Ray Sigorta A.Ş will finalize the claims in your applications as soon as possible, free of charge, but in any case, within a maximum of thirty days, depending on the nature of the claims. However, if the procedure requires any cost, Ray Sigorta A.Ş. will collect the fee specified in the tariff determined by Personal Data Protection Board. 

Sağlık Verilerin İşlenmesi Hakkında Muvafakatname

Ray Sigorta Anonim Şirketi (“Ray Sigorta”) tarafından işlenen kişisel verilerim ile ilgili olarak https://www.raysigorta.com.tr’de yer alan ‘‘Sağlık Sigortası Kişisel Verilerin İşlenmesi Hakkında Bilgilendirme Metni” tarafımca okunmuş ve açık rıza gereken haller konusunda detaylı bilgilendirme bu metin aracılığıyla tarafıma yapılmıştır.

Ray Sigorta tarafından özel sağlık sigortası, seyahat sağlık sigortası ve tamamlayıcı sağlık sigortası poliçelerinde, sigorta ürününün özelliği sebebiyle poliçe tekliflerinin oluşturulabilmesi, düzenlenen poliçeler ve tazminat ödemeleri kapsamında risk ölçümü yapılabilmesi, tazminat taleplerinin değerlendirilebilmesi, sigorta sözleşmesinden kaynaklanan hakların kullanılması ve yükümlülüklerin yerine getirilmesi, sigorta işlemleri kapsamındaki planlama ve istatistik çalışmalarının yapılması için özel nitelikli kişisel veri niteliğini haiz sağlık verilerimin ve sigortalı olmaları halinde velisi bulunduğum kişilere ait sağlık verilerin, faaliyetlerin sigorta mevzuatına ve sair mevzuata uygun yürütülmesi, mal / hizmet satış süreçlerinin yürütülmesi, iletişim faaliyetlerinin yürütülmesi, müşteri ilişkileri yönetimi süreçlerinin yürütülmesi amaçlarıyla sınırlı olarak işlenebileceği; talep edilmesi halinde Sigortacılık Kanunu, Türk Ticaret Kanunu, Türk Borçlar Kanunu, Türk Medeni Kanunu, Suç Gelirlerinin Aklanmasının Önlenmesi Hakkında Kanun ve ikincil mevzuattan kaynaklanan yükümlülüklere istinaden yargı mercilerine, MASAK, T.C. Hazine ve Maliye Bakanlığı Sigortacılık ve Özel Emeklilik Düzenleme ve Denetleme Kurumu (SEDDK), gibi düzenleyici ve denetleyici kamu kurum ve kuruluşlarına, sigortacılık faaliyetlerinin yürütülmesi için; sigorta destek hizmet sağlayıcılarına, aracılara, diğer sigorta şirketlerine, Sigortacılık Bilgi ve Gözetim Merkezi ve SAGMER'e, yurtiçinde bulunan hizmet alınan üçüncü kişilere ve diğer üçüncü kişilere, sigortacılık faaliyetinin tamamlayıcısı olan reasürans işlemleri sebebiyle reasürörlere, iş faaliyetlerinin sürekliliğinin sağlanması adına; sigortacının ana hissedarına, doğrudan/dolaylı hissedarlarına ve yurtiçinde faaliyet gösteren grup şirketlerine aktarılabileceği, rızamı her zaman ilgili bilgilendirme metninde belirtilen usuller aracılığıyla Ray Sigorta’ya başvurarak geri çekebileceğim ve rızama ilişkin hususlarda değişiklik yapabileceğim konusunda tarafıma bilgi verildi.

İşbu muvafakatname çerçevesinde, Ray Sigorta tarafından yapılan bilgilendirmeye dayanarak, sağlık verilerimin yukarıda sayılan amaçlarla sınırlı olarak işlenmesine Kişisel Verilerin Korunması Kanunu (“KVKK”) m. 11 kapsamındaki yasal haklarımı öğrendikten sonra özgür iradem ile açık rıza verdiğimi beyan ederim.

Elektronik Ticari İleti Kuralları ve Bilgilendirme Metni

Ray Sigorta Anonim Şirketi (“Ray Sigorta”) olarak 5809 sayılı Elektronik Haberleşme Kanunu, 6563 sayılı Elektronik Ticaretin Düzenlenmesi Hakkında Kanun ve 6698 sayılı Kişisel Verilerin Korunması Kanunu (“KVKK”) ve ilgili mevzuat kapsamında tarafınıza ticari elektronik ileti gönderilmesi ve kişisel verilerinizin işlenmesi, saklanması ve aktarılması ile ilgili sizlere bilgi vermek amacıyla işbu Elektronik Ticari İleti Kuralları ve Bilgilendirme Metni hazırlanmıştır.

Bu kapsamda, paylaşmış olduğunuz telefon ve e-posta gibi iletişim bilgileriniz, izin vermeniz halinde pazarlama iletişiminde kullanmak üzere; pazarlama faaliyetleri kapsamında iletişimin yürütülmesi, pazarlama süreçlerinin planlanması ve icrası, pazarlama analiz çalışmalarının yapılması; hizmet, tanıtım, duyuru, etkinlik, reklam, promosyon, vb. ticari elektronik iletilerin mobil uygulamalar, sosyal medya hesapları, SMS, e-posta dahil rıza vermiş olduğunuz kanallar üzerinden gönderilmesi amaçlarıyla 6563 sayılı Elektronik Ticaretin Düzenlenmesi Hakkında Kanunun altıncı maddesi gereğince ticari elektronik ileti onay şartına ve KVKK’nın beşinci maddesinin birinci fıkrası gereğince açık rıza hukuki sebebine dayanılarak işlenecektir.

Açık rızanızı dilediğiniz zaman geri alabilirsiniz, elektronik ticari ileti gönderilmesine ilişkin olarak vermiş olduğunuz onayı geri almanız durumunda açık rızanızı geri çektiğiniz kabul edilecektir.

Ray Sigorta tarafından kişisel verileriniz/verileriniz doğrudan veya veri işleyenleri aracılığıyla kullanılacak, belirtilen amaçların gerçekleştirilmesi doğrultusunda Ray Sigorta’nın iş ortakları ve tedarikçileri ile paylaşılacaktır.

KVKK’nın on birinci maddesinde sayılan haklarınıza ilişkin taleplerinizi “Veri Sorumlusuna Başvuru Usul ve Esasları Hakkında Tebliğ”e göre Kişisel Verilerin Korunması Hakkında Bilgilendirme Metni’nde belirtilen kanallardan iletebilirsiniz.

Home Insurance Products

The right choice for your home

Mandatory Earthquake Insurance (DASK)

With Mandatory Earthquake Insurance, financial losses that your building may suffer due to earthquakes and similar natural events are secured.

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Evime Deger Home Insurance

It assures your home and its contents against damages such as fire, flood, and theft. Both homeowners and tenants can benefit from the Evime Deger Home Insurance.

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Things to know when choosing insurance for your home

Difference between Mandatory Earthquake and Home Insurance

Mandatory DASK insurance covers the damages that will occur in your building due to the earthquake, and it is mandatory pursuant to the provisions of article 2 of Decree-Law on Compulsory Earthquake Insurance No. 587. On the other hand, Home Insurance protects your house and the belongings in your house against risks such as theft, fire, and flood and is taken out arbitrarily.

Purchasing Home Insurance as a Homeowner or Tenant

Home insurance can be purchased by both the homeowner and the tenant. When the homeowner purchases home insurance, s/he insures both his/her house and the belongings inside, while the tenant insures his/her own belongings in the house. Including the valuable items in the house, the policy will reduce your potential financial losses in a situation where the building and the valuable items are damaged.

Frequently Asked Questions

Evim Saray Home Insurance provides you with insurance against major expenses by protecting your home and the belongings in your home according to your preference from situations that may occur as a result of various risks such as fire, flood, earthquake, storm, internal water, and theft. Evim Saray Home Insurance, which also considers the services you may need in your home, makes your life easier by offering practical solutions. Thanks to your insurance coverage, services such as boiler-air conditioner annual maintenance, carpet washing, water-electrical installation works, glass repair, locksmith, and sending a healthcare professional to the home are no longer expenses that you need to worry.

It ensures that your home, which is your living space, and your belongings are safe against natural disasters and many problems. With home insurance, you can take precautions not only against the damage, but also against the costs that may arise from the damage.

DASK (Mandatory Earthquake Insurance), the square meter cost and payment limits of which are determined by the state, only covers the damages that occur in your building due to earthquake. With the earthquake coverage you will include in your home insurance, you can secure your home and belongings and provide coverage for your losses exceeding DASK limits. Home insurance provides coverage in case of damage to your furniture, white appliances, or electronic devices. In order to fully secure your home, you can choose to purchase Evim Saray Home Insurance as a complementary.

Yes, both tenants and homeowners can purchase Home Insurance. The only difference between being a homeowner or a tenant is that the tenants can have their belongings covered with Home Insurance against damages as a result of possible fire, earthquake, flood, theft, etc. In addition, you can benefit from various assistance services offered under your policy that will make your life easier.

Earthquake coverage in home insurance can be added to the policy according to your preference. In order to include earthquake coverage in your home insurance policy, you must have a DASK (Mandatory Earthquake Insurance) policy. If you have a DASK policy, in case of damages exceeding the DASK policy limits, you can protect your home against the damages that may occur during an earthquake, up to the limits specified within the scope of the earthquake coverage you added to your home insurance.

You should inform your insurance agent beforehand when you need to have home insurance issued for your new home. You may need to pay additional premiums or get a premium refund since the prices of home insurance are determined according to different criteria such as address, square meter, building type, building age, etc.

With the KMM coverage, regardless of whether you are a homeowner or a tenant, the damages that may occur to your neighbors' house and property due to the damages that may occur in the house you are in are covered. Coverage limit varies depending on being the homeowner or tenant, and the total building fire cost. Within the scope of KMM, the possible damages that may occur in your homeowner's house or your neighbor due to any fire in your home are covered by the insurance company within the limits specified in the policy. If your policy includes internal water coverage, damages that may occur in the neighbor as a result of malfunctions in your water installation can also be covered under the KMM coverage.

If you have neighbors liability coverage as a homeowner or tenant in your home insurance policy, damages arising from fire, smoke and water leakage are covered according to the limits specified in the policy.

In order to cover electronic goods such as televisions, music centers, computers, printers, cameras, white appliances, etc., you must have electronic device coverage in your policy. If the policy covers the equipment, your loss is covered subject to the terms specified in your policy. User errors are not covered by insurance.

In order to cover the glass damages such as mirrors fixed to the wall or furniture, glass shelves, shower cabin glasses, tables, aquarium glasses, glass surfaces of electric cookers, etc., including interior and exterior glass in your home, you must have glass breakage coverage in your policy. The loss incurred due to glass breakage is covered by the policy subject to the terms specified in your policy. In addition, within the scope of our home assistance services, you can benefit from our glass repair service within certain limits.

By adding valuable articles coverage to your policy, you can secure the cash and valuable documents inside the safe, and valuable items such as works of art, antiques and jewelry in your home, subject to the conditions and rates specified the policy.

In order to cover the financial losses that will occur in case your belongings in your house are stolen by trespassing by force or breaking or punching, you must have theft coverage in your policy.

If your policy includes the coverage and conditions for the damages caused by the guests accidentally, your claim payment will be made.

The home insurance premiums are calculated based on the address where your residence is located, the square meter of the residence, the age and structure of the building, which floor it is located, the security measures taken, and the limits selected for the coverage on the policy. In case you include the belongings in your house within the coverage of the home insurance, the calculation should be made by considering the re-purchase value of the belongings in today's conditions.

If a repair is made for a risk covered by your policy, you must file a claim and submit the original invoice for reimbursement of the damage cost. The notification of the damage must be made within a maximum of 10 days.

Our Agencies

Over 1600 Ray Sigorta agencies throughout Turkey are ready to deliver for your needs.

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Our Contracted Auto Services

Authorized and Private Services, Express Repair Centers (HOM), and Glass Repair Services, whose number is increasing day by day, are ready to serve you with a sense of high customer satisfaction.

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Our Contracted Healthcare Institutions

Turkey’s leading health institutions are ready to provide service for your health needs.

Find the nearest health institution

Ray Sigorta

Always with you at hard times

444 4 729

Call now 444 4 729

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