Health insurance for foreigners in Turkey

Health
insurance for foreigners in Turkey

Turkey is
one of the most advanced countries in the world in terms of health systems.
Specifically, the Health Reform Program, launched in early 2000, pushed
Turkey’s health system to international standards and provided high-quality
health services to Turkish citizens and foreigners.

In terms
of health facilities, positive developments have been made in recent years in
various cities and regions of Turkey, including Izmir, Istanbul Ankara. These
facilities are in multiple sectors such as public and private hospitals,
private health centers and clinics, medical clinics, and there are clinics. For
example, in the city of Izmir, there are 56 hospitals and 11,421 beds,
including public, private, and public hospitals. Besides, there are seven
private dental health centers, 123 private dental health clinics, 827 dental
clinics, 30 medical centers, 682 examination centers, 29 clinics.

In Turkey,
foreigners are required to get one-year and long-term health insurance and can
use two alternatives to access health services. One is government-sponsored
health insurance and another. Private insurance, in addition to the provisions
of the Social Insurance Act and the Public Health Insurance Act, does not
require international students to apply for separate health insurance within
three months of the first registration for public health insurance. Was. But
those who do not come within three months of registration and lose their public
health insurance will be asked for private health insurance.

It should
be noted; for foreigners who are under 18 years old, with all other
requirements being met, private insurance is not required for people over 65
years old.

Types of
health insurance in Turkey

There are
generally two types of health insurance in Turkey:

State
Insurance: This insurance is available in either case, either the person must
be the investor of a company or register a company or work with a Turkish
government permit in a company. Then it can fully benefit from state insurance
benefits

Private
insurance: This insurance is one of the most common insurance for foreigners
and belongs to people who wish to obtain a Turkish residence and generally
those who do not wish to register a business and invest in Turkey in this way.
To insure themselves.

 Private
health insurance for foreigners

One of the
requirements for obtaining a residence permit in Turkey is health insurance. As
mentioned above, one of the types of insurance is private insurance for
foreigners, which is carried out by various insurance companies throughout
Turkey. First, note that private insurance companies work with a monthly
payment system. Health services provided by private insurance can be used for
individual paid expenses.

Each
insurance company may have its terms, but we cite as an example of the services
provided by a private insurance agent. Note that these services may be subject
to minor changes to any applicable laws. Change the insurance company.

Covered by
private insurance:

Private
insurance includes inpatient coverage and outpatient supervision. Individuals
can be treated at any health care contracted with the insurance company, at no
cost or very low cost. In the case of health institutions that have no contract
with the insurance company, the insurance company does not make any
obligations.

You can
consult with your representative to find which hospitals you cover.

Services
Inpatient treatment

 Inpatient
treatment is the type of treatment that requires the patient to spend a
specified period of time in hospital treatment. Preventive services, which are
covered by private insurance, generally include:

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

Cost of
room, bed, meals, and companion during the hospital stay

Corneal,
kidney, pancreas, liver, heart, lung transplantation

Biochemistry,
microbiology, pathology, radiology examination and imaging during inpatient
treatment

Postoperative
Physiotherapy

Cardiovascular
angiography

Home care
services that support the insurer’s daily life and provide social support

Chemotherapy,
Radiation Therapy, Dialysis

Less than
24 hours of medical treatment such as food poisoning, use of plaster in
fractures, simple burn treatment

Use of
artificial limbs in case of loss of a limb due to accident or illness

Treatment
in intensive care units

Dental and
nose treatments due to traffic accidents

As
mentioned before, these services may vary with insurance companies. Before
buying your insurance service, please ask your insurance company what insurance
service it offers and what it does not cover.

Services
Outpatient treatment

Outpatient
treatment is a short-term treatment that does not require hospitalization.
Outpatient services covered by private insurance include:

The cost
of a doctor’s exam

Cost of
diagnostic examination

The cost
of medicine

Physiotherapy
and rehabilitation costs

 What
does not include private insurance

Excluding
illnesses and injuries covered by private health insurance, such as

War,
revolution, internal turmoil, crime except for self-defense, illnesses, and
suicide-related injuries

Drug use

Documents
required for private health insurance

Copy of
passport

Turkish
tax number

Address in
Turkey

Cancellation
of health insurance

The
insurer must cancel health insurance with the following conditions:

Presenting
a new insurance policy covering that period of residence permit.

If you
cancel your stay.

Proof of
registration in the public health insurance system described in Rule 5510 and
Social Insurance and World Health Insurance.