Expats and Foreigners in Turkey Applying for a Healthcare Insurance

Purchase Foreign Health Insurance in Turkey as an Expat or Foreign National in order to obtain a Turkish Residence Permit (İkamet İzni).

As the world becomes increasingly interconnected, the allure of experiencing new cultures, traditions, and lifestyles has led many individuals to embark on the exciting journey of living and working abroad. One such destination that has captured the imagination of expatriates and foreigners alike is the enchanting country of Turkey.

With its rich history, vibrant culture, and strategic location straddling both Europe and Asia, it comes as no surprise that Turkey has emerged as a popular choice for ex-pats seeking to broaden their horizons. However, amidst the exhilaration of exploring new territories comes the essential responsibility of ensuring one's well-being and health.

Health Insurance in Turkey: What About Ex-Pats and Foreigners?

Navigating the complexities of applying for healthcare insurance in a foreign country can be daunting, particularly when confronted with unfamiliar regulations, language barriers, and diverse insurance options. Therefore, it becomes imperative for ex-pats and foreigners in Turkey to arm themselves with the necessary knowledge and resources to make informed decisions regarding securing their healthcare coverage.

In this comprehensive guide, we shall delve into the intricacies of applying for healthcare insurance in Turkey, shedding light on the various insurance schemes available, the eligibility criteria, and the crucial steps to safeguard one's health and well-being, all while embarking on this exhilarating Turkish sojourn.

Breaking Down the Different Types of Health Insurance in Turkey

There are different types of health insurance plans available in Turkey, and choosing the one best suited for your needs is essential. Let's take a look:

SGK State Insurance: This is the most common type of health insurance in Turkey and is mandatory for all Turkish citizens. However, it's not suitable for foreigners as it requires a valid Turkish ID number and residency in Turkey. SGK insurance is subsidised by the government and provides coverage for a wide range of medical services.

SSK Social Insurance: This type of insurance plan is designed for employees in Turkey and is mandatory for all Turkish companies to provide for their employees. It offers coverage for medical services, maternity leave, disability, and death benefits.

Self-Insure (Bag-kur): This insurance plan is for self-employed individuals and freelancers in Turkey. It covers medical services, maternity leave, disability, and death benefits.

Tourist Insurance: Tourist insurance is designed for foreigners visiting Turkey temporarily. It offers coverage for medical emergencies, accidents, and repatriation expenses.

Student Insurance: This insurance plan is designed for international students studying in Turkey. It provides coverage for medical emergencies, accidents, and repatriation expenses.

General Health Insurance: This type of insurance plan suits foreigners not qualifying for SGK or SSK insurance. It provides coverage for medical services, inpatient and outpatient hospital care, and emergency services.

Turkey Individual Health Insurance: This type of insurance plan is designed for individuals and families living in Turkey. It offers coverage for medical services, inpatient and outpatient hospital care, and emergency services.

Universal Health Insurance: This type of insurance plan is a new initiative in Turkey and provides coverage for all citizens and foreigners residing in Turkey. It offers a range of medical services, inpatient and outpatient hospital care, and emergency services.

How Do You Apply for Health Insurance in Turkey?

Whether you're a foreigner or an ex-pat living in Turkey, it's essential to have health insurance to cover any unexpected medical expenses. However, applying for health insurance in Turkey can seem like a daunting task, especially if you're not familiar with the language or the healthcare system. Here are some tips on how to apply for health insurance in Turkey.

1. Determine Your Eligibility

Before you start looking for an insurance plan, determine your eligibility based on your residency status, employment status, and other factors. Some types of health insurance plans are only available to Turkish citizens or those with a valid Turkish ID number, while others are open to foreigners and ex-pats living in Turkey.

2. Choose the Right Plan

Once you know your eligibility, the next step is to choose the right plan for your needs. There are different types of health insurance plans available in Turkey, ranging from state insurance to private insurance. Consider your budget, healthcare needs, and the level of coverage you require before selecting a plan.

3. Contact an Insurance Broker or Company

To apply for health insurance in Turkey, you can either contact an insurance broker or a health insurance company directly. An insurance broker can help you navigate the different plans available and provide you with quotes from various insurers. Alternatively, you can contact a health insurance company directly and inquire about their plans and premiums.

4. Provide the Necessary Documents

To apply for health insurance in Turkey, you'll need to provide several documents, including your passport, residency permit, and proof of income. Make sure you have all the necessary paperwork ready before you start the application process.

5. Pay the Premium

Once you've chosen a health insurance plan and provided the necessary documents, the next step is to pay the premium. The premium amount will vary depending on the plan you choose and your personal circumstances.

6. Wait for Your Insurance Card

After you've paid the premium, you'll need to wait for your insurance card to be issued. This can take a few days to a few weeks, depending on the insurer. Once you have your insurance card, you can visit a healthcare facility in Turkey and receive medical care.

The Bottom Line

Having the right health insurance coverage is essential for ex-pats living in Turkey. It fulfills the legal requirement for obtaining a residence permit and ensures that you and your family have access to quality healthcare services without incurring significant financial burdens.

By carefully assessing your needs, comparing different policies, and seeking expert advice, you can find the best health insurance plan to enjoy a healthy and stress-free life in Turkey.

If you are looking for a health insurance provider in Istanbul, look no further than Ikamet Sigortam. We are here to help you get the coverage you need and the peace of mind you deserve. Contact us today to learn more about our health insurance plans!