Health insurance is a vital aspect of living and working in Turkey—whether you are a citizen, foreign national, expat, or tourist. Turkey offers a dual system comprised of public and private healthcare options, each regulated under Turkish insurance law. In this article, ER&GUN&ER Law Firm, a leading Turkish law firm, outlines how health insurance works in Turkey, including eligibility, benefits, types, and legal framework.
The Turkish Healthcare System
Turkey’s healthcare system includes both public (SGK) and private services. Public hospitals, university medical centers, and local health clinics form the backbone of the government-funded system, while private hospitals offer additional services for insured patients.
Citizens and registered residents typically access the Social Security Institution (SGK) insurance system. The government’s Health Information System enables centralized patient records and efficient healthcare delivery across the country.
Benefits of Health Insurance in Turkey
- Comprehensive Care: Covers hospital visits, surgeries, diagnostics, and medications
- Financial Protection: Reduces out-of-pocket medical expenses
- Chronic Disease Management: Ongoing coverage for regular checkups and medications
- Additional Options: Dental, optical, and travel health services in some private plans
Types of Health Insurance in Turkey
- SGK (Public Health Insurance): Provided by the government; mandatory for employees and some residents
- Private Health Insurance: Offers more comprehensive or faster service through private networks
- Green Card: For low-income Turkish citizens not covered by SGK
- Foreigner Health Insurance: Required for residency permits for foreign nationals
Health Insurance for Foreigners
Foreigners must obtain private health insurance when applying for a residence permit. After one year of residence, foreigners may also join SGK if they are employed or self-employed. Coverage varies by policy but typically includes hospital treatment, emergencies, and optional add-ons.
Legal Framework for Health Insurance
The Turkish healthcare and insurance sector is regulated by:
- Law No. 5510 on Social Insurance and General Health Insurance
- Law No. 5684 on Insurance
Private health insurers operate under the oversight of the Insurance and Private Pensions Regulation and Supervision Agency (SEDDK). SGK, as the public body, manages premiums and benefits for eligible individuals.
Frequently Asked Questions
Can foreigners buy health insurance in Turkey?
Yes. Foreigners are required to buy health insurance when applying for residency. Private policies or SGK enrollment (if employed) are both valid options.
How much does health insurance cost in Turkey?
Prices vary depending on age, health status, and plan type. Private insurance can range from $300–$1000 per year. SGK contributions are based on income.
Is health insurance mandatory for tourists?
Not legally required, but travel health insurance is highly recommended to avoid high medical costs in case of emergencies.
Legal Assistance with Health Insurance Matters
Our Turkish insurance lawyers assist with disputes, claims, and regulatory compliance in the healthcare sector. Whether you are applying for coverage, renewing residency, or challenging a denied claim, Istanbul Lawyer Firm is here to help with qualified English-speaking lawyers in Turkey.
Read our previous article: Getting a Turkish Driver's License as a Foreigner