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  1. Travel insurance is required by law for entry into Turkey. While this law isn't strictly enforced, it's still a good idea to buy a policy to protect you from financial loss and cover you if you require medical treatment. What is Travel Insurance? Travel insurance is a temporary insurance policy that protects you from financial loss, which might occur in a variety of potentially unfortunate or disastrous events. These events include medical emergencies, hospitalization, theft or loss of property, and even the cancellation of your trip. A travel insurance policy typically becomes active on the first day of your journey and ends on the last day. If you're traveling to Turkey with a visa (or your ID card, if you're visa-exempt) and plan to get a residence permit to live in Turkey, travel insurance can cover you until you arrange health insurance for your residence permit. What Does Travel Insurance Cover? Travel insurance "package" policies cover a variety of events you're most likely to need coverage for. You can also buy add-on supplements to cover things like baggage loss and your liability while driving a rental car. Here are some of the things that travel insurance can cover: Trip Cancellation If your trip is canceled for reasons beyond your control, or if you have an emergency that causes the cancellation, you can be reimbursed for your payments for flight tickets, hotels, and even deposits or prepayments for holiday rental properties. Missed Connections or Delays If you miss your connection or your trip is delayed for reasons beyond your control, you can be reimbursed for hotel expenses and other expenses you incur because of the delay. Loss or Damage of Personal Items Travel insurance can cover loss, damage, and theft of baggage or other valuable items such as cameras, computers, and mobile phones. Illness and Injury If you become ill or have an accident and go to a Turkish hospital, you'll have to pay for your treatment in cash or by credit card. If it's a severe illness or injury, you may be hospitalized and end up with a substantial medical bill. Depending on your policy, travel insurance will cover most or all of these. Medical Evacuation and Repatriation If you're transported over a long distance, or by air, or if you must be medically evacuated to your home country, travel insurance can cover this, too. When to Buy Travel Insurance The best time to buy a travel insurance policy is just after you book your trip. At that point, you'll know your itinerary and what expenses you'll need to cover. You'll need this information when you apply for a travel insurance policy. Price The price of a travel insurance policy will vary according to the destination and details of your trip, and the cost of transportation and accommodation, among other things. Read Your Policy Carefully Be sure you know what your travel insurance policy covers. Some things will probably not be covered, such as "adventure sports" like scuba diving, rock climbing, and even quad biking. Use a Travel Insurance Comparison Website A comparison website allows you to enter your trip information and what you want to be covered, then receive automatic quotes from several different insurance companies. You can compare their coverage and prices and select the policy you like the best. TravelInsurance.com Turkey Central is partnered with, and recommends, TravelInsurance.com. They're the world's leading travel insurance comparison site, where you can buy an insurance policy as easily as you can book a flight. Enter your personal information and the details of your trip, and you'll get instant quotes from top-rated insurance companies. Then you can select the policy you want and pay for it by credit card. They'll send your policy in minutes, by e-mail. Best Price Guarantee Travelinsurance.com guarantees the price you pay will be the lowest available. Get a Free Travel Insurance Quote Now! Ken Grubb 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.
  2. Collision Damage Insurance Collision Damage Insurance (CDI), also called Collision Damage Waiver (CDW), is practically always included with the cost of a rental car in Turkey. It covers damages to the rental car, with a deductible that you will have to pay before the insurance pays. If you pay a higher premium, you can eliminate the deductible and have the insurance cover all fees involved. CDW does not cover damage to headlights, tires, or the windshield. Headlights, Tires, and Windscreen You can also buy additional insurance to cover the headlights, tires and windscreen (windshield), or you can have these repaired at your own cost and return the repaired car. Car repairs like this are cheaper in Turkey than they are in the UK and European countries, and in many cases, installation is free. Personal Accident/Injury (PAI) Basically another word for medical insurance, PAI covers your doctor and hospital bills in case of an accident. It may also cover you for loss of limbs, sight, or other permanent injuries. If you have medical insurance, review your plan to see what you are already covered for, and if it covers you in Turkey. In many cases you can decline this coverage. PAI doesn't cover medical evacuation or trip cancellation. And it only covers you for those costs not already covered by an existing insurance plan. You can get trip cancellation insurance, which also covers medical evacuation, by searching locally or on the Internet for trip insurance. Third Party Liability Insurance Covers for damage to other vehicles or people. This is usually the minimum required by law and included in the rental agreement and price. Theft Insurance If your rental car is stolen, theft insurance pays the rental fees until the car is found. The limit is 30 days. It is usually already included in the rental agreement and price. Fire Insurance For damages caused by fire. This is usually included in the rental agreement and price. Loss of Use If you have an accident, and render the car unusable, you are liable to pay the rental car agency for the loss of their use of the rental car to make an income. Loss of use insurance covers this liability. Coverage With Your Credit Card If you use your credit card, you may be covered for some amount of rental car insurance, even trip cancellation. Check your credit card contract to see what it already covers, or call your credit card company and ask. Your insurance will be void under the following conditions: Are drunk or on drugs while driving Are speeding Don't report the accident to the police and have a copy of the police report Misuse or neglect the car Allow another person to drive the car if they are not designated as an additional driver Have an accident while driving outside of Turkey Important Considerations Different rental car companies have different policies. The above is only a guideline of what you can expect while renting a car in Turkey. Be sure to read the insurance coverage explanations on the back of your confirmation voucher or other documentation to know exactly what is covered, and for how much. If you already have car insurance, you may already be covered for some of the above contingencies when you rent a car. But if you file a claim on your own company policy, you will likely face higher deductibles for the next few years. If you opt for the rental car insurance, you won't have to worry about higher car insurance premiums if you have an accident. Cars are very expensive in Turkey. Even if you are renting the same car in Turkey that you have at home, the Turkish rental car may have up to three times the value of your car back home, and your insurance company may not pay the entire cost of repairs since it is based on your personal car's value, not a Turkish rental car. In the end, it is probably a safer bet to get the insurance coverage offered by the car rental company, and use that instead. See Also Car Rental in Turkey: A guide to renting a car in Turkey. Driving in Turkey: A guide for safe driving while in Turkey. Cars, Car Insurance, and Driving in Turkey Forum: If you have questions or comments about cars or driving in Turkey, please post them in our forum. Ken Grubb 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.
  3. I am thinking to have a good health insurance, which we as a family can use, when we are sick. I am 60 years old and my husband is 66 years and both have a short term residence. I read about SGK insurance, but I am not sure if it is a good health insurance or maybe there is a better one with an reasonable price and coverage? Any advice or experience will be appreciated.
  4. Please I need some help regarding my husband health insurance, on the 2 July he will be 65 years old, and I read that people over 65 years old, does not need a health insurance for RP. Does he need an insurance if he apply for RP during May 2019? Or he should wait till the 2 July, then he apply for RP? If he does not need health insurance for RP, what he will write in insurance-fields on RP-application? Another issue which I need help too, I read that Danish Nationality are exempted from RP fee, is that true? I am Swedish. Am I also exempted from RP fee too?
  5. Other than living in Turkey for over a year with a residence permit, what are the requirements for SGK insurance? Do I need to have a job with a work permit? I think that's what I was told at the local SGK office a year ago.
  6. I met today with Erdoğan Akyüz, a representative of Ankara Sigorta (insurance). I asked him about how we could obtain health insurance coverage for two years, if we are applying for a two-year short-term residence permit. He said Ankara Sigorta now offers a two-year health insurance coverage package. This involves two separate one-year health insurance policies--the first for year one, the second for year two. The day after the first policy expires, the second one becomes active, providing continuous coverage for two years. Both insurance policies would be bought at the same time. We would then submit both policies with our application. Erdoğan also said that, as far as he knew, Ankara Sigorta was the only insurance company doing this (so far). I also asked if there were some way we could better synchronize our health insurance coverage with the validity period of our residence permits, for example, buying a policy in advance. He said that, at Ankara Sigorta, we can buy health insurance policies up to sixty days in advance--that is, buy a policy with a start date up to 60 days later. Erdoğan Bey has a contact form here at Turkey Central, which you can use to get a free quote, or buy health insurance. Just fill in your details and submit the form, and he'll get back to you with a quote. He can also draw up and send you a policy without going to an insurance office to make the application. You can find the contact form here. Health Insurance Contact Form I also have a collection of articles about health insurance for residence permits. Please have a look, at least to see what information is available there. I don't publish another article every time some new thing comes along. Instead, I keep these articles constantly updated. Health Insurance for Your Residence Permit
  7. I have two question about apply for Visa. 1 year 1. Is it right that If I get a Visa, I had to stay in Turkey at least 8 month during that year? 2. I am over 65 years, and some people say I dont need insurance. What happen if I had to go to a doctor, and dont have insurance? I will be very happy to get answer as soon as possible, though I will apply for Visa next week.
  8. I am moving from California/US to the Izmir area in July of this year. I have visited 3 times in the last 17 months and I am ready to make the leap. I have some questions. First one is about health insurance that is necessary for short term residence. I have been told that Allianz is a good insurance and that I can get it at the bank Yapı Kredi. From what I was seeing on Allianz website mine would be $3,000 US dollars a year. But online blogs it always seem like they mention much lower numbers when talking about the cost of insurance. I read that after a year I can get the SGK Insurance maybe that is the one people talk about and is more like $1,000 a year. Does anyone have experience with the cost of Allianz? The yearly fee is based on age so maybe that is the difference between what I see and what the blogs mention of insurance costs Concerning residence permit, from the time one starts the residence permit request online how much time should be budgeted before the process is through and I have insurance? Or can anyone buy the insurance at the bank and the person is covered right away instead of waiting until resident permit is approved?
  9. I applied for a residence permit and I supposed my insurance is sufficient, but period of my stay is already running and I am waiting to my appointment to residence permit. I am trying to figure out to get a confirmation that my insurance is enough but insurance company doesn't want to give me that confirmation. I am insured with AXA assistance which has branch in Turkey as well. My insurance is valid in Turkey and cover whole my stay in Turkey. It cover as well all expenses without limitation (Except terrorists attack and dental care what is limit) . According to this I suppose that my policy should be sufficient, but no one is able to answer me to this.
  10. Italy signed social security agreement with Turkey with enforcement date on 01 august 2015 http://www.sgk.gov.tr/wps/portal/sgk/en/detail/social_sec_agree Why there isn’t Italy in this page https://www.expatguideturkey.com/social-security-aggrements-and-appropriate-formularies/ ? Italyturkeyagreementenglish.pdf
  11. My insurance company is now refusing to cover Turkey on the green card It did last year. Does anyone know the green card costs at the border. It would be for 4 weeks. Thanks Nigel
  12. If you need travel insurance for your trip to Turkey, or to anywhere else, you can get a free quote here: Travel Insurance Free Quote
  13. I am looking to apply for a residence permit soon. And it seems like health insurance is mandatory. Can someone give me an approximate figure for minimum health insurance cover? I am young, healthy, no previous conditions etc... I am grateful to have my health really, but I do not actually need this so I want to spend the absolute minimum I can on this, if you understand! I have seen another member get private insurance for $250 dollars per year. I think I read another young woman got insurance for 800TL for the year. Then again, I think I saw that SGK costs about 200TL per month?? ---To be honest, if the price is too high, it will make me question applying for residency in the first place. Ken has mentioned the following insurance companies (thanks Allianz Ankara Sigorta Groupama Can I email them for a quote or do I have to visit their offices? I'm guessing I will have to 'shop around' for best price. Are the prices negotiable?
  14. I am currently insured in the US through Providence Medical Group. Can anyone tell me how to figure out if this insurance counts for the residence permit or not? Or where in my policy I would find that information?
  15. Is there a certain time period for how long your health insurance should be valid for when you make an RP renewal i.e. will it need to cover the entire forthcoming year of the RP? I ask because I currently have private health insurance that runs out about four months after my RP renewal date and I'm wondering if they will accept this at my renewal appointment or not. I will renew my private insurance but I can't do that yet until one month before it finishes. I've called the local relevant offices but as usual they don't know.
  16. Hi guys, we are thinking of spending our summer school holidays driving from Turkey and around Europe. Can I take my Turkish car out of Turkey? Do I need additional insurance or is my Turkish insurance enough. Do I need to register the car in Europe? Is it a hassle? Advice please. Jane Janeyinmersin.com
  17. Hi, I look forward to relocating to Turkey with my wife and parents. I need ideas about what would be the most suitable place for my family. Im looking at 4-bed villas. Although I've read about health insurance and residency, still wanted to clarify somethings.1) What would be the ideal place to live. My preference is not a big city, but not a small town either. Something with population between 100k to 500k. With things to do: Cinemas, bowling alleys, restaurants, concerts etc. I'm looking at suburbs and away from crowd and noise. Would also like to know which option would be most economic in terms of housing. Currently I'm looking at Fethiye & Bodrum but I suspected both are small towns? Population seem to be below 100k for both. Do you think one could have a home in towns like them? Not a holiday home but a home. 2) Also I would ideally like places with great schools and hospitals. I would never compromise on education for (unborn) child so I'm certainly considering that. 3) Something with some business opportunities. Not a big business, but a small grocery store or a convenience store. 4) About health insurance, my parents are covered by the government in their home country. Would they not need health insurance for the RP? Does that mean only me and my wife will need to purchase health insurance. I have heard the govt. charges per couple (and dependent children). So does that mean just one insurance for 200 TL per month would be sufficient? 5) Are there any other recurring or big costs associated with relocation other than: Purchasing a house, paying for the RP, paying for health insurance. Would appreciate any info / help. Thanks in advance!
  18. Hi all, does anyone know what the story is, if say, you get insured with SGK, then afterwards once you have got your residency, you cancel SGK and go with another provider, does this affect residency in any way?
  19. Hi, Was hoping to get some SGK related answers by foreigners who are already living in Turkey. I'm considering to relocate within the next 6 months and have some questions 1) Based on updated and current SGK rules, is it mandatory for foreigners to opt in for SGK? 2) Can foreigners opt-in only after 1 year of RP? 3) SGK costs roughly $100 per month per couple? 4) SKG covers most medical care and surgeries except for cosmetic surgeries and cosmetic dental care? 5) My father has heart diseases and has gone through angioplasty twice. He also has diabetes and spends about $100 per month on insulin here in Pakistan. What choices does he have in regard with the health insurance, SGK or private or both. If private which one. 6) Are they are any good cardiology hospitals in or around Bursa. PS: Health insurance isn't popular in Pakistan and generally we pay per visit or per procedure so I'm an insurance noob. Any help will be highly appreciated. Thanks
  20. I am working and I know my employer makes payments for health, but its only for the basic state health? is that SGK? Does anyone know how much the 'top-up' is to turn it into private health? Also Is it worth paying the top-up (premium) what more does it entitle you to?
  21. On the 20th of December 2013 the UK Consulate met with SGK officials about the following topics: You can find a report about the meeting here: Meeting Between UK Consulate and SGK Officials Unfortunately with the system used on this website there is no way to print it out, you can only read it on the screen. Opting out of the Scheme Joint/Family Membership and Policies Dependents Retired but Not in Receipt of a UK Pension Definition of "Retired" Retired and Receiving a UK State Pension Medical Tests Automatic Payments of Premiums Individual Premiums Documents Available in English What is Covered by the Healthcare Scheme
  22. Hello, I started my job here in Izmir, and I got a paper from my employer (an state university) to active my SGK health insurance. Do you know the next steps? Can I do this in SGK building in Konak? which department is responsible for that? Do they speak English? I found is so difficult to do the paperwork here!
  23. For newcomers to Turkey I thought the following article might be of interest to you. State health insurance application made simple After many expats were put off joining the SGK (Sosyal Güvenlik Kurumu) – Turkey’s state health insurance – last year because of teething problems and a complicated application process, now things have improved and a much more streamlined sign-up system is in place. A brave couple who were keen to get to the bottom of the situation armed themselves with a Turkish friend as a translator and headed to the newly opened SGK office in Didim. And here’s what they discovered: If you are married, you need to take: • Your marriage certificate; • Your Turkish kimlik number (which the couple obtained by taking their residence permits to the local police station); • Proof of your address (this needs to be obtained from your local Nufus Müdürlüğü office) • Your residence permit • Your passport On returning to the SGK office, you will have to fill in a simple form that apparently takes less than a minute. The SGK staff will confirm by phone within a couple of hours that the application process is complete – BUT they do not take payments for the SGK at the office. How do you make the payment? In order to make your payment, you will need to pop along to the Ziraat Bank where you can then make the payment using their ATM machine. How much does it cost? The couple said they were charged 261TL (this includes the first month of SGK payment and application fee), but after this they will simply return to the Ziraat Bank’s ATM every month and pay the amount demanded. The average price for a married couple on SGK is around 230TL (approx. £72) per month. The couple said: “The whole process and paying into Ziraat was pretty smooth and we are glad to have done it. But we do advise people thinking of getting into SGK to take a Turkish translator or friend to the SGK office as none of the staff can speak English.” It now means that the couple can avail themselves of all the medical and health services that Turkish people enjoy. By paying monthly, they are entitled to free treatment in state hospitals and will be able to get treatment in some private hospitals at a reduced cost. Those foreign residents with a residence permit, and have been resident in Turkey for at least one year, can apply. A single monthly premium will cover a married couple and their children. However, there is no discount for single people, and those couples who are not married and simply live together have to pay separate single premiums. Source: http://turkeyguidenews.com/1ICP-1SP8I-D68DO95U71/cr.aspx
  24. I just read somewhere that between October 1 and March 2014, everyone (Americans) have to sign up for health insurance under Obamacare, or be fined if you don't. I've done a little research and saw that if you are living abroad, you are exempt, but "living abroad" apparently means living away from the US 330 days a year, and between two vacations--one in the summer, one in the winter--I overstay that. Just wondering how others are dealing with this/making sense of the rules.
  25. I'm intending to move to live in Istanbul for a few months. I want to get SGK cover, how do I go about it if I am not employed? From what I know I need to be employed for a minimum amount of time. What about those who are self-employed? Any advice would be appreciated.
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