Understanding Your Health Insurance Options in Turkey

Health insurance is a valuable component of healthcare in any country, including Turkey.

Health insurance is a valuable component of healthcare in any country, including Turkey. The Turkish public health system is provided by the Social Security Institution (SGK), which is responsible for providing health insurance to people who are employed by Turkish employers or who are investing in the country through company registration.

The Turkish healthcare system has undergone significant improvements in recent years, with increased investment in healthcare infrastructure, medical technology, and training. The country also has a range of public and private hospitals, clinics, and centers providing a wide range of medical services.

Having health insurance in Turkey provides individuals with access to medical services, including medical treatment, hospitalization, prescription drugs, diagnostic tests, and rehabilitation services. Health insurance also provides financial protection against unexpected medical expenses, undeniably a significant burden on individuals and families.

This article will provide an overview of the various types of health insurance available in Turkey. Understanding the different options for health insurance in Turkey is crucial for individuals who want to ensure that they have access to quality healthcare when they need it.

General Health Insurance (GSS)

GSS is suitable for Turkish citizens and can only be used in Turkish public health centers. Those with Turkish citizenship or residency card can benefit from this insurance.

Self-Insurance (Bag-Kur)

Bag-kur, or self-insurance, is for those who have set up their own businesses in Turkey and are their own employer. To obtain this type of insurance, individuals must apply through private insurance companies.

SGK State Insurance

Those who have a work permit in Turkey or are employed by a Turkish employer with health insurance coverage, or those who plan to invest in Turkey through company registration, can benefit from SGK State Insurance.

SSK Social Insurance, also known as the Blue Card, is another Turkish government insurance that employers usually provide for their workers and employees. Those who are covered by social insurance also receive pension services along with medical assistance.

Student Insurance

Student Insurance is one of the most popular insurances in Turkey for those who come to Turkey to continue their studies. To obtain a student residence card from the Immigration Office, students must have health insurance. While students benefit from SGK government insurance for the first three months of their stay, they must have private insurance after three months to continue their health insurance coverage.

Private Health Insurance

Private health insurance is available to both Turkish citizens and legal residents. Private health insurance covers medical treatment, hospitalization, and prescription drugs, as well as some additional services that are not covered by SGK, such as cosmetic procedures. Private health insurance has different coverage options, and the cost varies based on the level of coverage.

Tourist Insurance

This type of insurance is suitable for foreign nationals who visit Turkey on a tourist visa for a short period. To stay as a tourist in Turkey, individuals must have tourist health insurance for short-term residence, which they can obtain through private insurance companies.

Yabanci Health Insurance

Also known as foreign health insurance — (YSS), is suitable for those with a Turkish residence card. There are various plans available with different services and prices, allowing individuals to choose the appropriate insurance plan.

Closing Thoughts

The primary health insurance in Turkey is SGK insurance, but there are other types available. It is worth noting that each type of insurance has its benefits and requirements, and understanding the options is essential for making informed decisions about healthcare.

If you need assistance with health insurance for expatriates in Turkey, rely on Ikamet Sigortam. A health insurance policy issued by Ikamet Sigorta is required for non-Turkish nationals who desire to lawfully live in Turkey and obtain a residence permit. Call us!