Gulf Sigorta 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 are for 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 Gulf Sigorta Foreign Health Insurance policy.


First, we will talk about who Gulf Sigorta is.

It has been serving under the name Turins Sigorta since 2013, and in June 2016, it started to serve the Turkish Market as "GULF SİGORTA" with the investment of the multinational GULF INSURANCE GROUP K.S.C.P.


Gulf Sigorta A.Ş. set out with the aim of becoming Turkey's most popular insurance brand. With the advantage of knowledge and experience provided by its multinational structure, it provides services in both corporate and individual insurance in Turkey. With its strong financial structure, Gulf Sigorta has demonstrated its difference in a short time with the unique service guarantee that its customers will receive from the moment the assurance begins, in the product branches in which it specializes.

With this vision, Gulf Sigorta's top priority goals are to develop products that best suit the needs of the sector and Turkey, and to be a reliable, long-term insurance partner with our easily accessible sales channels and customer services.

What are the products and services it offers? Let’s examine them:

·      Motor Insurance

·      Traffic insurance

·      Personal Accident Insurance

·      Health Insurance for Foreigners

·      Emergency Illness Insurance

·      Dask

·      Home insurance

·      Domestic Travel Health Insurance

·      International Travel Health Insurance

·      Erasmus Insurance

·      Incoming Insurance


So, what does Gulf Sigorta 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.


First of all, the content and coverage in all residence insurances are the same and cannot be changed, inpatient treatments are 100% covered in contracted institutions, and for outpatient treatments the annual limit is 5,000 TL 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 cases, 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.


Treatment content and scopes 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 examination 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

·      Treatments related to teeth and nose resulting from traffic accidents

      B. Your Outpatient Treatment Expenses

·       Doctor examination

·      Diagnostic examinations

·      Medicine

·      Physiotherapy


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 in contracted hospitals for inpatient treatments.

In non-contracted hospitals, there is a maximum annual limit of 50,000 TL with a 20% contribution fee.

The waiting period for inpatient treatments is the first 9 months.


So, in which hospitals is Gulf Sigorta Foreign Health Insurance Valid?

You can access the list of our contracted Hospitals, Pharmacies and Polyclinics from the link below.

Gulf Sigorta A.Ş Network:

As, we always support you both in insurance purchasing and post-purchase processes. Our customer service department is happy to help you 7 days a week in 4 different languages.

Don't forget to contact us through WhatsApp line to get information and get a discount code.



E-İkamet 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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