Demir Hayat ve Sağlık Foreign Health Insurance

Important Notice: The explanations are for informational purposes only and you can access current and detailed information at


Dear Foreign Health Insurance customers, we continue to share with you the legal information we have learned about insurance and residence processes in order to make the lives of foreign guests living in Turkey easier.

Our website only offers Foreign Health Insurance / Residence Permit Insurance. It was established for this purpose. Apart from this, there are no different insurance products. All information regarding residence permit processes on our website and blog posts is for the purpose of informing users and is shared completely free of charge to help our insured.

With this week's blog post, we will share with you all the information we know about the Demir Sağlık ve Hayat Foreign Health Insurance policy.

First of all, we will talk about who Demir Sağlık ve Hayat Sigorta is.

Demir Sağlık ve Hayat Sigorta A.Ş. was inspected by RWTÜV, the German inspection and certification organization, on July 24, 1996, and was entitled to become the first insurance company to receive the ISO 9001 Quality Assurance Certificate.

Demir Sağlık ve Hayat, which was established with the aim of being an exemplary company by bringing a different and quality service dimension to insurance, is the first insurance company with ISO 9001 Total Quality Certification in Turkey.

Demir Hayat Sigorta A.Ş. Its title was changed to Demir Sağlık ve Hayat Sigorta A.Ş. as of 15.01.2019. announced that it was changed to .

What are the products and services offered? If it is necessary to review them;

· Private health insurance

· Supplementary Health Insurance

· Personal Accident Insurance

· Health Insurance for Foreigners

· Emergency Illness Insurance

· Pregnancy Insurance

· Health Tourism Complication Insurance

· Domestic Travel Health Insurance

· International Travel Health Insurance

· Erasmus Insurance

· Incoming Insurance


So, what does Demir Health and Life Insurance Foreign Health Insurance cover?

First of all, the phrase "Complies with the minimum coverage structure determined in the circular regarding private health insurance to be obtained in visa and Residence Permit requests dated 16/06/2021 and numbered 2021/8" determined by the immigration administration is included in the policies.

The content and coverage in all residence insurances are the same and cannot be changed, in inpatient treatments it is 100% in contracted institutions, and in outpatient treatments it is 5,000 TL per year and only 20% is paid by the insured. As of the policy start date, if the insured experiences an emergency and vital situation (valid for unexpected situations such as an accident), in such a case, treatment expenses are covered without being subject to a waiting period.

Except for emergencies and vital situations, there is a 9-month waiting period for inpatient treatment and a 6- month waiting period for outpatient treatment.

The content and scope of treatment are as follows.

A-Your Inpatient Treatment Expenses

• Hospital services (surgery, operating room, anesthesia, medicine, laboratory, etc.)

• Room, bed and meal expenses during hospital stay

• All diagnostic biochemistry, microbiology, pathology examinations, radiological examinations and imaging performed during inpatient treatment.

• Postoperative physical therapy

• Chemotherapy, radiotherapy, dialysis

• Medical treatments lasting less than 24 hours (observation, observation)

• Artificial limb expenses in case of limb loss as a result of an accident or disease

• Treatments in intensive care units

• Dental and nose-related treatments resulting from traffic accidents

B-Your Outpatient Treatment Costs

• Doctor examination

• Diagnostic examinations

• Medicine

• Physiotheraphy

There is an annual usage limit of 5,000 TL for outpatient treatments.

In contracted hospitals, only 20% is paid by the insured. There is a 40% contribution fee for non-contracted hospitals.

The waiting period for outpatient treatments is the first 6 months. There is no limit for inpatient treatments at contracted hospitals.

In non-contracted hospitals, there is a maximum annual limit of 50,000 TL with a 20% contribution fee. Waiting period for inpatient treatments is the first 9 months.

So, in which hospitals is Demir Sağlık ve Hayat Sigorta Sigorta Foreign Health Insurance Valid?

You can access the list of contracted hospitals, pharmacies and polyclinics from the link below. Demir Sağlık ve Hayat Sigorta A.Ş Network :( Silver ÖSS)

Demir Sağlık ve Hayat Sigorta A.Ş:

As, we always support you in your insurance purchasing processes as well as in your post- purchase processes. Our customer services are happy to serve you 7 days a week, in 4 languages.Don't forget to write to our WhatsApp line to get information and get a Discount Code.


E-Residence Insurance Team


Contact: +90 212 355 89 89


Address: Nispetiye Mah. Gazi Gunar Sok. No:4 Floor:4 Office No:10 Beşiktaş, Istanbul

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