Essential Guide to Health Insurance in Turkey: Coverage, Benefits, and Options for Foreigners

Health insurance in Turkey is a mandatory requirement for anyone planning to reside, work, or study in the country. 

Whether you're a student, a working professional, or a retiree, securing appropriate health insurance coverage is essential for safeguarding your health and financial well-being while living in Turkey.
 

In this article, we will provide you with all the important information you need to understand about health insurance in Turkey, from the types of insurance available to the benefits and coverage options for foreigners.

Who Needs Health Insurance in Turkey?

If you wish to live in Turkey, obtaining health insurance is required as part of the residency process. 

Whether applying for a residence permit, work permit, or student visa, health insurance must be purchased to ensure you have access to healthcare services.
 

Foreigners under the age of 18 and those over 65 do not need to obtain health insurance to apply for or renew a residence permit, but all other foreign residents must secure appropriate coverage.

To apply for health insurance in Turkey, you will need the following:

A valid passport.

copy of your residence permit.

Your address of residence in Turkey.

A start date and duration for the insurance policy.

Types of Health Insurance in Turkey

The major types of health insurance in Turkey are General Health Insurance (GSS) and Private Health Insurance.
 

General Health Insurance (GSS)

Turkey|There are 19,6 million general health insurance holders in Turkey under General Health Insurance (GSS). 

GSS is available for Turkish citizens and also with work permit.

This insurance covers the most in health care and free medical services, vaccines prescriptions at a discount price as well as treatment at facilities of public healthcare. These benefits also extend to the insured person's immediate family members including their spouse, children and parents. 

It is an insurance sort of thing related to your health coverage in a huge way.

Private Health Insurance

Private health insurance in Turkey is typically used by foreigners applying for or renewing a residence permit. 

This type of insurance covers medical expenses for the period of stay but does not include the same level of coverage as GSS. It is, however, more affordable and easily obtained.

Comprehensive Insurance: For those seeking full medical coverage, including treatment, operations, and accidents, comprehensive private health insurance is available. Although more expensive, it covers most medical services in both public and private hospitals.

Example for Health insurance companies: Allianz

Does Private Health Insurance Cover Dental Services?

The basics are certainly included in it.

 Almost all healthcare insurance policies come with the advantage of basic dental services such as; review, cleanings and simple pulling teeth. 

But what is covered (beyond exams, X-rays and cleanings) can be different — dental surgery coverage might not even exist in your network; it pays to find out.

Health Insurance for Students in Turkey

International students studying in Turkey must obtain health insurance. 

It is a requirement for securing a student residence permit, and the insurance must be valid for at least one year. 

Many universities in Turkey offer health services on campus, providing students with access to medical exams and healthcare.

Family Healthcare Centers in Turkey

In addition to hospitals, Turkey offers family healthcare centers in every neighborhood. These centers provide free consultations to individuals who present a valid passport or residence permit. 

Though private clinics and hospitals also provide excellent healthcare, they do not accept health insurance. 

Patients will need to cover the cost of consultations and treatments at private clinics.

Benefits of Health Insurance in Turkey

1. Financial Protection Medical insurance provides financial protection to individuals and families from high medical expenses. 

Insurance allows you to avoid paying out-of-pocket whenever a visit from your doctor, hospital stay or any other medical service is needed.

2. Accessible Healthcare At the Lowest Cost We Can Call Health Insurance, which helps us to take care of our health at the lowest price. 

After all, even private health care is affordable with the right insurance policy and gives you access to great healthcare services in Turkey at relatively reasonable prices.
 

3. Medical Inflation Medical care services are also becoming more costly year over year due to inflation; therefore, it is advised you have insurance coverage. 

The cost of healthcare, including consultations with doctors or the purchasing price of medications can be offset partially by having insurance.

4. Lifestyle diseases are Quite common in today's world where many people are suffering from chronic lifestyle ailments like Diabetes, Heart Disease, and Obesity. 

These conditions also need to be treated appropriately and need lifelong medications as well as follow-up without gaps. 

Hopefully, you have coverage to serve as a financial cushion for these diseases!

Private Hospitals in Turkey

Turkey is home to an impressive system of private hospitals; some amongst the very best in the world. 

These hospitals are equipped with modern facilities and high-end medical technology to serve both Turkish citizens as well as international patients. 

Medical tourism services are also provided by a number of private hospitals that cater to patients from around the world who come for quality health care at low cost.

For more information about health services for foreigners and the Medical Tourism industry.   
Recommended Hospitals in Turkey:

Acibadem Hospital

Midipol Hospital

Liv Hospital 

American Hospital

Doctors in Turkey

Turkey is home to highly skilled doctors and medical professionals, many of whom have trained in Europe and the United States. 

Patients can find top-rated doctors across a variety of specialties, including cosmetic surgery, dentistry, orthopedics, and more. 

Several online platforms provide reviews and recommendations for the best doctors in Turkey.

Emergency Medical Services

In case of an emergency, Turkey offers free medical emergency numbers that operate 24/7. 

The national emergency number for healthcare is 112, and residents and visitors can call this number for medical emergencies or first aid. 

You can also call 184 for free health consultations.

Conclusion

Health insurance in Turkey is not only mandatory for residency but also essential for managing medical expenses and ensuring access to high-quality healthcare services. Whether you opt for General Health Insurance or Private Health Insurance, securing the right coverage will protect your health and finances while residing in Turkey.

If you're considering moving to Turkey, be sure to explore your health insurance options and select a policy that suits your needs.

For more information about health services and healthcare facilities in Turkey, check out our comprehensive blog on health care for foreigners.