İkamet insurance is a type of policy that secures the access of foreign nationals planning to stay in Turkey long-term to basic health services. In Turkey, foreign nationals must purchase this insurance in order to apply for a residence permit. The insurance protects foreign individuals against unexpected healthcare expenses and ensures that, under defined conditions, they benefit from fundamental health services.
Its core characteristic is that it is a legal requirement for those seeking a residence permit. Specifically requested by the Directorate of Immigration, this insurance facilitates individuals’ access to healthcare services.
Who Should Obtain Residence / Ikamet Insurance?
Insurance for Ikamet is mandatory for foreign nationals planning to stay in Turkey for more than 90 days.
It must be purchased by the following groups:
- Students: Foreign students who want to study in Turkey.
- Workers: Foreign nationals who are working or planning to work in Turkey.
- Retirees: Foreign retirees who wish to obtain long-term residence in Turkey.
- Tourists: Those planning long-term tourist residence in Turkey.
- Family Members: The foreign spouse or children of a person residing in Turkey.
What Does Foreign Health Insurance Cover?
Ikamet insurance allows individuals to benefit from basic health services and its coverage typically includes the following services:
Inpatient Treatment Coverage:
- Hospital admission and treatment expenses.
- Surgery costs.
- Intensive care unit expenses.
- Prescription medicines.
Outpatient Treatment Coverage:
- Doctor consultation fees.
- Laboratory tests, X-rays and other diagnostics.
- Rehabilitation and physical therapy expenses.
Note: The scope of the policy may vary depending on the insurance company and the individual’s preferences. It is very important to carefully examine what is excluded.
How to Purchase Ikamet Insurance?
The steps you should follow to purchase residence insurance are:
- Choose an insurance company: Many insurance companies in Turkey offer this service. A reputable company should be selected.
- Prepare your information: Basic documents such as passport details, intended residence period, and contact information need to be prepared.
- Select the coverage and period: The policy’s scope and duration should be determined according to individual needs.
- Pay the premium: The policy becomes active once the premium payment is made.
- Receive the policy: The policy is delivered via email or physically, and it is used in the residence permit application.
Advantages of Ikamet Insurance for Foreigners
Besides fulfilling legal requirements, residence insurance offers many advantages:
- Completion of legal processes: It serves as one of the necessary documents for residence permit applications.
- Health security: It protects individuals from financial losses in case of unexpected health issues.
- Quick and easy access: It provides fast and convenient access to healthcare services in Turkey.
- Affordable cost: It is typically designed for foreigners and generally offered at an affordable price.
Ikamet insurance is a critical type of coverage for foreign nationals planning long-term living in Turkey. It both eases obtaining a residence permit and ensures access to basic healthcare services. As of 2025, insurance requirements have been adapted to offer broader coverage tailored to individual needs. Do not neglect your residence insurance for a secure and healthy life.
As E-ikametsigorta.com website, we provide support not only during the purchase process of residence insurance but also in post-purchase procedures. Our customer service is available 7 days a week in 4 languages. We are proud to be Turkey’s first online purchase platform for foreign health insurance for residence.
Please visit our main website before making an appointment through e-ikamet.goc.gov.tr for our foreign health insurance services.
Best regards,
E-İkamet Sigorta Team
Website: www.e-ikametsigorta.com
Phone: +90 212 355 89 89
WhatsApp: Chat with us
Address: Nispetiye Mah. Gazi Güçnar Sok. No:4 Kat:4 Ofis No:10 Beşiktaş, Istanbul
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