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Turkey Health Insurance Cost


When you apply for a residence permit in Turkey, you must be covered by health insurance. You can use one of the low-cost "expat health insurance" policies many insurance companies sell, or buy a more expensive private insurance policy with greater coverage. After you've been living in Turkey for one year, you can join the Turkish government's comprehensive health insurance plan, called Genel Sağlık Sigortası (General Health Insurance) offered by the Sosyal Güvenlik Kurumu (Social Security Administration, also called SGK).

Expat Health Insurance Cost

Since the Turkish government mandated health insurance coverage for foreigners and established the minimum coverage requirements, several companies started selling special policies especially for foreigners applying for residence permits. These policies, no matter who sells them, cover the same things to the same levels because they are the government minimums. Yet the prices still vary depending on what the insurance company wants to charge for them.

Here's a general idea of what you can expect to pay. What you actually pay may be a bit higher or lower depending on which company you buy your policy from.

Turkey Expat Insurance Cost by Age
Age 18-20 21-25 26-30 31-35 36-40 41-45 46-50 51-55 55-60 61-64
Cost ₺250

₺260

₺280 ₺300 ₺350 ₺400 ₺450 ₺500 ₺650 ₺750

The prices are pretty good for health insurance. But to screen out pre-existing conditions, the first year of these policies offer limited coverage which is actually less than the government's requirements. The policy in the second and subsequent years fully covers you to the government's minimum requirements. However, if you get treatment for a medical condition, your next year's policy probably won't cover it because it will be considered a pre-existing condition.

Learn more about insurance policies for residence permits.

Private Health Insurance Cost

You can also get a private policy which has more comprehensive coverage, and that won't stop covering you for a medical problem once you've been treated for it. They're more expensive, but if you need the higher level of coverage, they're worth it.

The cost varies according to the level of coverage you want, the amount of the cost of medical treatment you want to share, and the minimum amount a medical bill must reach before it starts to pay out.

You can get these policies all the way up to the same coverage the government health insurance plan covers, and even more. Or, if you're already a member of the government health insurance plan, you can get supplemental insurance to cover the additional cost of treatment in private hospitals.

If you'd like to get a quote for the cost of a private insurance policy, you can contact insurance agent Selma Akdeniz, who is a trusted partner, and tell her what you need.

Insider Tip: If you buy one of the more comprehensive private policies, it must have a statement on it that says it meets the government's minimum coverage requirements.

Learn the Turkish government's minimum coverage requirements.

Learn more about Turkish private health insurance policies.

SGK Insurance Cost

You can join the Turkish government's comprehensive insurance plan after you've lived in Turkey for one year. The premium is the same for everyone, and even covers your spouse and children at no additional cost. Whether you're single or have ten children, the premium price is the same.

For 2021, the yearly premium for SGK health insurance is ₺858.60.

Learn more about the SGK health insurance plan.

Using an Insurance Policy from Your Home Country

While your health insurance policy from your home country might not meet the minimum requirements in Turkey, you may be able to use it to pay for the cost of medical treatment that your Turkish insurance doesn't pay. Read your insurance policy to see if you can use it to pay these additional costs.

Mertsel Residence Permit Application Services and Insurance

Mertsel Health Insurance and Residence Permit Application Service

Mertsel Insurance provides residence permit application services and health insurance policies (among other services) for the Turkey Central community. Mertsel charges only according to what you need. You won't find a better price for the services they offer.

Within 24 hours after you send them all of the required information, Mertsel will:

  • Get you a tax number
  • Create your health insurance policy
  • Apply for and get your Residence Permit Registration Form
  • Set up your appointment at the immigration office and
  • Send you the documents for your application package.

You can get a free price quote from Mertsel according to your needs. Contact them by clicking below:

Ken Grubb, author.

As a special investigator for the North Atlantic Treaty Organization (NATO) and teacher for the University of Maryland, Ken Grubb has lived and worked in Turkey since 1997. He now lives in Antalya, where he researches and writes guides to help others live skillfully in Turkey.


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