Medical insurance for foreigners in Turkey
Health is the most important aspect of our life with you. That is why a foreigner moving to Turkey is always concerned about local medical insurance.
Villa Antalya is pleased to provide you with the most up-to-date information about life in Turkey, so today we will examine the topic of medical insurance for foreigners.
So, a foreigner who has bought property in Turkey and who wants to move to this wonderful country can count on several types of insurance. This is a private mandatory insurance, private voluntary insurance and state insurance.
A foreigner moving to Turkey for permanent residence in the first year of his residence can only rely on private medical insurance - compulsory and voluntary.
Compulsory medical insurance must be issued to all foreigners aged 18 to 65 years applying for a residence permit. That is, you want to get a residence permit in Turkey for 1 or 2 years - make out medical insurance for 1 or 2 years, respectively.
This law has existed for several years and is strictly enforced by the migration service.
Insurance that is not issued by the Turkish insurance company is not accepted for consideration.
The law does not apply to minor children and persons over 65 years of age. In this case, you can take out such insurance for children if you wish. For persons over 65, no insurance company will issue a policy.
What is covered in the coverage of such health insurance:
- outpatient treatment - coverage in 60%. For example, if a doctor’s appointment costs 100 lire, you will pay 40 lire, and your insurance company will pay 60 lire.
outpatient treatment limit is 2,000 lira per year.
- inpatient treatment - 100% coverage.
- this insurance will not cover the doctor’s appointments and examinations related to chronic diseases (diabetes, cardiology, gastritis, etc.), dental care, pregnancy management, ophthalmology, any scheduled examinations and procedures.
- that is, under this insurance you can go to the hospital in case of some acute illness or accident.
The cost of insurance depends on your age. The amount can vary from 150 Turkish liras to 1000 Turkish liras per year (25 - 165 Euros).
When making insurance, it is advisable to ask the insurance company which hospitals in your area of residence they have a contract with. Many insurance companies give out a list of hospitals where their insurance will be valid.
If you want health insurance with a wider coverage, then after applying for a residence permit, you can enter into a voluntary medical insurance contract.
Voluntary insurance is issued by large insurance companies in Turkey, which have contracts with all major medical institutions of the country - AXA, MAPFRE, ALLİANZ, AKSİGORTA and others.
- The limit for outpatient treatment in such insurance can be chosen. Amounts from 3000 to 6000 per year.
- The share of coverage for outpatient treatment in voluntary health insurance is 80% (that is, out of 100 lira you will pay only 20, the rest is insurance company), while inpatient treatment is 100%.
- The coverage includes the possibility of a therapeutic check-up once a year, as well as
- The possibility of passing sessions of physiotherapy, radiotherapy, chemotherapy, dialysis, as prescribed by a doctor.
- You can add limits on dentistry, ophthalmology, pregnancy management, etc., depending on your wishes.
The cost of such insurance depends, again, on your age. For example, for a person aged 45 years, this insurance will cost about 3,500 lire per year (570 Euro). The more broad coverage you choose, the more expensive the insurance will be.
State medical insurance is a popular question lately due to the fact that many people are transporting parents over the age of 65 with them and the question of their medical care is acute. Private insurance, neither compulsory nor voluntary, is not issued for such age. There is only one way out - state insurance. Foreigners are eligible to receive state medical insurance after 1 year of residence in Turkey for a residence permit. That is, 1 year has elapsed since the registration of the residence permit - you can go to the insurance department (SGK) and get insurance. It is called Turkish insurance - BAĞKUR.
The main differences of state medical insurance from voluntary:
- insurance is issued to the family: spouses, minor children, parents. No need to arrange insurance for each family member separately.
- insurance premiums are paid monthly - today the monthly insurance premium is 850 lire (for the year 10200 lire - 1.600 Euro). If the payment is delayed, the insurance stops its operation and you will not be able to receive medical care until payment is made to the insurance department.
- under such insurance you have the right to free medical care in public medical institutions in Turkey
- medical care in private hospitals is 80% covered (you pay yourself 20%)
- state insurance covers all types of diseases, including chronic diseases, routine inspections, etc.
- partial coverage (up to 80%) applies to medicines prescribed by a doctor, that is, you will not pay the full cost of medicines prescribed to you.
Villa Antalya will help you find the type of insurance that suits you, understand all the nuances and conclude an insurance contract.