What is Foreign Health Insurance for Residence?
Important Notice: The explanations are for informational purposes only and you can access current and detailed information at e-ikamet.goc.gov.tr.
Foreign health insurance is a type of insurance that is compulsory for foreign nationals who will reside in Turkey for a minimum of 1 year or longer. In other words, it is the health insurance that foreigners who do not have Turkish citizenship purchase to obtain a residence permit or residence permit.
Our insurances are private health insurance that must be taken out for short-term residence permit applications under the Law on Foreigners and International Protection. With the changes within the scope of the circular dated 2021 and numbered 2021/8).
E-ikametsigorta.com is Turkey's First and Leading Online Foreign Health Insurance purchasing platform and offers only Foreign Health Insurance / Residence Permit Insurance. It was established for this purpose.
The insurances on our website are valid for All Residence Applications. We are not engaged in any activities other than insurance. All information about the residency processes on our website is for the purpose of informing our policyholders.
Foreign Health Insurance Treatment Limits
Outpatient treatment
Contracted
Annual Maximum Limit
5.000 TL
Insured Share
%20
Non-Contracted
Annual Maximum Limit
5.000 TL
Insured Share
%40
Inpatient treatment
Contracted
Annual Maximum Limit
Unlimited
Insured Share
%0
Non-Contracted
Annual Maximum Limit
50.000 TL
Insured Share
%20
Frequently Asked Questions
Foreigners who want to apply for residence in Turkey must have foreign health insurance to continue their stay without leaving or entering Turkey after their tourist visa expires. For foreign guests who want to reside in Turkey, it is obligatory to have health insurance for the residence permit. However, if the foreign individual has dual citizenship, including Turkish citizenship, this condition is not sought.
Foreign Health Insurance Prices valid for residence vary according to Birth Year and Insurance Companies. By filling out the form on our Home Page, you can see the comparative prices of insurance companies according to your age and choose the one that suits you best.
Foreign individuals with Foreign Health Insurance are covered in accordance with the health costs of diagnosis and treatment in contracted health institutions, the coverage specified in the policy, the limit, payment rate and exceptions.
These expenses are prepared following the Health Insurance General Conditions and Private Health Insurance Regulations determined in the policy of the insured, and accordance with the application conditions of health institutions according to these special conditions.
Foreign Health Insurance is divided into 2 as Outpatient and Inpatient Treatment Coverage.
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 40% Participation Share in Non-Contracted Hospitals.
The waiting period is half of the policy period.
There is no limit in contracted hospitals for inpatient treatments.
There is a maximum annual limit of 50.000 TL with 20% Participation Share in Non-Contracted Hospitals.
The waiting period is 3/4 of the policy period.
In general, residence insurance is arranged for 1 year. Coverages under the policy are active in accordance with the waiting periods on the policy start and end dates. Many insurance companies can also arrange 2-year foreign health insurance, as 2-year residency applications are also possible. You can compare the prices of 2-year Foreign Health Insurance on www.e-ikametsigorta.com and buy your 2-year policy very easily.
Yes, Foreign health insurance can be canceled. The purpose of issuing the Foreign Health Insurance policy is that it is compulsory for residents. Therefore, the cancellation conditions must also have a justification. Without these documents, a cancellation cannot be made. Cancellation rules are the same in all insurance companies.
Foreign nationals who want to live or work in Turkey after a tourist visa can take out foreign health insurance. The conditions for obtaining foreign health insurance and insurance application may differ according to insurance companies. Some insurance companies have a certain age limit. In general, health insurance is provided as standard to foreigners aged 0-65. For detailed information, you can easily access foreign health insurance prices by filling out the form on e-ikametsigorta.com.
If the spouse of a foreign national is a Turkish citizen, the Turkish Spouse's SSI inquiry is made before the foreign health insurance. If the Turkish spouse has Active SGK and does not have any debt, the foreign spouse does not need residence health insurance for the residence application.
If the spouse does not have SGK or is a Turkish spouse who has SSI but has debts, the foreign individual must have foreign health insurance to apply for residence in Turkey.
Private Health Insurance is optional insurance. Foreign Health Insurance is compulsory for foreign nationals who want to obtain a residence permit in Turkey. Plus, Private Health Insurance is more comprehensive than Foreign Health Insurance and additional coverage can be added to the insurance policy upon request. However, additional coverage cannot be added to Foreign Health Insurance, it has a standard structure and cannot be changed.
Foreign health insurance is valid only within the borders of Turkey.
Birth and pregnancy coverage is not provided within the scope of foreign health insurance.
No, it cannot be expanded. Coverage and Scopes of Residence Health Insurances are standard and this is not possible in compulsory insurances.
Foreigner Health Insurance for Residence can be purchased with Passport number, Foreigner Identification Number (YKN) and Tax Identity Number. You can choose any of them.
"Foreign Health Insurance start date must be the same as the Residence Application Registration date. In other words, it must be the same as the Residence start and end dates. If the Residence is Extension, the Residence end date must be the Policy start date."
Yes, it can be done. These date ranges vary according to insurance companies.
Yes, it can be done. These date ranges vary according to insurance companies.
Yes, it is the same. Coverage and Limits are standard in all Insurance Companies.
Yes, Foreign Health Insurance covers intensive care as well. However, the length of stay in intensive care is limited to 100 days per year.
With the outpatient treatment coverage, your following treatment expenses are covered unlimitedly in the health institutions with which the Foreign Health Insurance Company you purchased has a contract, and within certain limits in the health institutions that it is not contracted:
- Doctor's examinations
- Medicines
- Laboratory
- X-ray
- Advanced Diagnosis
- Physiotherapy (15 Session)
- Minor Intervention
With the inpatient treatment coverage, your following health expenses are covered unlimitedly in the health institutions with which the Foreign Health Insurance Company you have purchased is contracted, and within certain limits in the health institutions that it is not contracted:
- Surgical treatment
- Medical Treatment
- Room, meal, bed and companion expenses incurred during the hospital stay
- Operator Doctor
- Intensive care
- Chemotherapy
- Radiotherapy
- Dialysis
- Postoperative Physiotherapy (15 Sessions)
- Ambulan
Foreign Health Insurance valid for residence also covers other treatments below:
- Dental Treatment After Traffic Accident
- Home Care
- Artificial Limb
- Supplementary Medical Supplies
