Types of Health Insurance in Türkiye

We will explore a range of types of health insurance in Turkey and how to provide health care to citizens and residents and we will learn about the advantages and challenges of these systems and how they have evolved to meet society's changing health needs.

What is meant by health insurance in Turkey?

Health insurance in Turkey is a comprehensive way to cover all risks and damages related to the health of individuals and insurance in Turkey includes covering the costs of examination and diagnosis of disease, treatment costs, and costs of preventive services from diseases.

The health insurance system in Turkey is built on the principle of social solidarity, to face emergencies and alleviate the burdens on the individual and society.

Insurance companies in Turkey provide health insurance services to citizens and foreigners, and specific fees are paid for that registration in health insurance is also a necessary condition for some categories of foreigners residing in the country to complete their transactions and benefit from health services.

These continuous efforts of the Turkish government in improving the health insurance system represent a valuable investment that shows concern for the health and well-being of the people, and recent developments in this field reflect the continuous efforts to improve the quality of health services and expand coverage to meet the growing needs of society.

What does the health insurance contract in Turkey consist of?

The health insurance contract in Turkey consists of two parties, where the first party represents the insurance company, while the second party is the beneficiary of the insurance and the insured, and a set of important information is specified and clarified in this contract, including the personal data of the second party and the amount deducted for providing insurance services, in addition to the costs covered by the insurance and the validity period of the contract.

It should be noted that health insurance is one of the conditions for obtaining residence in Turkey for some groups of foreigners residing in the country and health insurance is one of the important considerations that are taken into account in the procedures for obtaining residency, and it is considered a guarantee for the provision of health care for individuals during their stay in Turkey.

Thanks to the contracts between insurance companies and individuals, the insured can benefit from comprehensive coverage of health expenses, which gives them reassurance and protection in the event of various emergencies related to their health during their stay in this wonderful and distinguished country.

What are the types of health insurance in Turkey?

Here are the types of health insurance in Turkey:

Securing a travel visa to Turkey:

This document is essential for obtaining a travel visa to Turkey, as it is issued by the Turkish embassy in the capital of the country in which the traveler resides, or the Turkish consulate in the city from which he wishes to travel and the following documents are attached to the visa application:

1. A medical treatment certificate for 100 TL.
2. Securing transportation for patients.
3. Transportation insurance in the event of death (God forbid) while traveling.

This type of insurance can be obtained when traveling to Turkey or from Turkey to any European country and we must point out here that securing a travel visa to Turkey is not valid for obtaining Turkish residency, but only fulfills the purpose when the individual wishes to spend the visa period in Turkey and then return to his country.

Private health insurance in Turkey:

Private health insurance is one of the necessary conditions for obtaining residence in Turkey, and it is provided by private health insurance companies in the country this type of insurance varies from one company to another, as companies may offer two or more types of private health insurance.

Private health insurance in Turkey consists of several types:

1. Insurance for issuance or renewal of residency: This type of insurance is the simplest in terms of cost, duration of issuance, and required documents, in addition to the health coverage provided, and often, this insurance is used to attach application papers for obtaining residence in Turkey, and it does not cover the costs of treatment in government or private hospitals and it also does not provide significant incentives for medical treatments, examinations, medications and surgeries and foreigners residing in Turkey resort to this type of insurance because of its ease of issuance and the short time required to extract it, as it does not exceed only a few minutes, in addition to its low cost.
2. Comprehensive insurance for tests, medicine, and accidents: Some private companies in Turkey offer greater privileges for private health insurance and the resident obtains comprehensive insurance that allows him to obtain residency in Turkey, and he can also cover many analyses, examinations, and emergency accidents in government hospitals and we advise here to check which hospitals accept this health insurance before starting to issue it.
3. Comprehensive Insurance: Comprehensive insurance covers all aspects of treatment, including surgeries, however, this insurance is very expensive and is often unsuitable for those looking for comprehensive, advanced healthcare coverage.

Tips before obtaining health insurance in Turkey

1. Watch out for falling victim to swindlers and scammers who fake health insurance policies or use your data illegally, always check the validity and credibility of companies that provide insurance services.
2. Be wary of shell companies that lack a fixed address or official license, and avoid dealing with them and ensure that the chosen company is licensed and recognized by the competent authorities.
3. When requesting to obtain health insurance in Turkey, ask about the type of insurance required and make sure to select the correct type that suits your needs, as there are many types of health insurance.
4. Check the date of obtaining health insurance in Turkey to be compatible with the date of booking the interview appointment online, as the residence is granted according to the validity period of the health insurance and the validity of the passport.
5. If you want to obtain a residence permit in Turkey for two years, you must ensure that you obtain health insurance that covers this specific period. If you extract health insurance for only one year, you will be granted residency for one year only, not for two years.
6. In the event that you wish to cancel the health insurance after the issuance of your new or renewed residency, you must obtain another health insurance that covers the duration of your new residency, and cancellation of health insurance without replacing it with another insurance may affect the validity of your residence in Turkey.

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