Health coverage in Turkey

For several years, the Turkish health system has been undergoing a real transformation, and its modernisation and development have made Turkey one of the world's leading destinations for medical tourism. Thus, expatriates living in this country generally benefit from high-quality care, particularly in the private health sector.

Get a quote according to the length of your stay:

Health insurance for expats in Turkey

The health insurance system in Turkey
 

Managed by the Sosyal Guvenlik Kurumu (SGK), the universal health insurance system (Genel Sağlık Sigortası) provides for the full coverage of health expenses for nationals, and permanent foreign residents under certain conditions:

  • If they are employees of a Turkish company, civil servants, or self-employed.
  • If they fall into certain specific categories (modest household, refugees, etc.).
  • In other situations, if they wish to contribute voluntarily to the SGK

In all cases, in order to be covered, residents must no longer be covered by the social security system of their country of origin, and must have contributed to the SGK for at least 30 days during the 12 months preceding their request for care. 

The Turkish health system allows its insured persons to benefit from:

  • General practitioner or specialist consultations (in exchange for a small contribution from the insured)
  • Oral and dental care and orthodontic treatment for children under 18
  • Dental prostheses, covered at a rate of 20% for working people (the remaining cost cannot exceed 75% of the national minimum wage)
  • Medicines, generally covered up to 80%
  • Hospitalisation in the public sector, which is fully covered, and in the private sector under agreement, which is more limited

Private hospitals under agreement, having signed a contract with the SGK, generally charge premiums (except for emergencies), but these are capped. They cannot exceed +200% of the SGK reimbursement rate. Thus, for a procedure reimbursed at TRY 100 by the SGK, the hospital may not charge more than TRY 300 in total (TRY 200 remaining at the expense of the insured). In addition, each medical procedure requires a contribution of TRY 15, again not covered by the SGK.

As for hospitalisation in a non-approved clinic, it is excluded from the SGK's coverage basket (except in cases of vital emergency), and its rates can be 2 to 6 times higher than the maximum rates in the approved private sector.

How to choose health insurance in Turkey: local or international?
 

In order to supplement their reimbursements and limit their out-of-pocket expenses, residents in Turkey are therefore well advised to take out complementary health insurance.

Local private insurance companies offer policies, sometimes co-financed by certain employers, but their coverage is often limited to the establishments in their local network.

With an international health insurance plan, you benefit from more extensive coverage, which allows you to choose the establishment in which you will be treated, and which offers services adapted to your situation as an expatriate.

The cost of healthcare in Turkey

Liste exemple remboursements

PHYSIOTHERAPIST

A physiotherapy session will cost TRY 103.68 (€7)

APRIL International up to 7 €*

Out-of-pocket expenses 0€**

CARDIOLOGIST CONSULTATION

You'll pay TRY 139 (€9) for a cardiology consultation

APRIL International up to 9 €*

Out-of-pocket expenses 0€**

HOSPITALISATION - MATERNITE

Natural delivery without complications (excluding hospitalisation and related costs): TRY 3952 (€265)

APRIL International up to 265 €*

Out-of-pocket expenses 0€**

Disclaimer

Examples of average costs of care in the private health sector - APRIL International data 01/2022

 

* Example of reimbursement with MyHealth International - Comfort

** Example of the amount to be paid by the insured after reimbursement

Care in Turkey

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Care in Turkey
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Choosing hospitals
 

On the official website of the SGK, you will find all the hospitals in the country, classified by locality and according to their specialities. This site also allows you to calculate the additional fees of private hospitals under agreement.

Despite the major modernisation efforts made by the State over the last few years, some public and private hospitals still have a structural deficit in terms of equipment and staff. In addition, there is a strong disparity in medical supply between urban and rural areas: in order to benefit from care that meets international quality standards, transfer to establishments in large cities is recommended (Istanbul, Ankara, Adana, İzmir).

Titre phone establishment list
Health facilities

Titre phone display
Emergency numbers in Turkey

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Fire Department
Phone number
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Police
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Local Police in Rural Areas
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Emergency and medical assistance can be reached at 112

Services group
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Title
COVERAGE IN THE PRIVATE SECTOR
Description
Reimbursement of health expenses from the first euro/dollar, including in private hospitals
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Title
TRAVEL WITH PEACE OF MIND
Description
Coverage in Turkey, or in other countries when you travel
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Title
OPTICAL & DENTAL CARE
Description
Reimbursement of optical and dental care (option)
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Title
UNLIMITED TELEMEDICINE SERVICE
Description
A free medical telemedicine service available 24/7 anywhere in the world
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Title
MEDICAL TRANSPORT
Description
Repatriation assistance is included in your cover
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Title
DIRECT BILLING
Description
In the event of hospitalisation, you pay nothing out of pocket

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