How to get medical insurance for a residence permit in Turkey: questions and answers

HAYAT ESTATE is sure that real estate in Turkey is not only an opportunity to go on a date with the sea at the call of the heart, it is breathtaking prospects.

By purchasing any housing in Turkey - from a modest studio on the outskirts of the city to a luxurious villa - you apply for a residence permit (residence permit): work, study, open a business - hardworking and enterprising people are welcome here!

One of the most important documents for applicants for a residence permit is medical insurance. We will figure out who needs it and how to choose a policy so that the Turkish authorities do not have questions.

Do I need a health insurance policy to apply for a residence permit?

Yes, according to current Turkish law, a health insurance policy is mandatory for foreigners of working age (18 - 65 years) who have purchased property in Turkey and apply for a residence permit.

What health insurance is suitable for applying for a residence permit?

Turkey has private and public health insurance. The first type of insurance (private) is divided into compulsory and voluntary.

If you bought an apartment and apply for a residence permit, buy a medical policy from a private insurance structure. You can apply for insurance from the state in a year - with the extension of the residence permit.

How much does insurance for a residence permit in Turkey cost?

Everything is individual - it depends on the chosen insurance company, the included services, the degree of their coverage, etc. - it is from 800 Turkish liras.

To apply for a residence permit in Turkey, a medical policy with a minimum coverage is suitable. But experts insist: consider the state of your health!

What to look for when choosing an insurance company?

The most famous companies in the Turkish insurance market include AXA, MAPFRE, ALLIANZ, AKSIGORTA, etc.

When signing the contract, pay attention to whether they cooperate with clinics and pharmacies near the property you have purchased. This will allow you to quickly apply for help with insurance.

And be sure: you will receive high quality medical services and drugs. This is known to both immigrants from the CIS countries and respectable Europeans who prefer to be treated in Turkey.

What will be covered by insurance for obtaining a residence permit after buying a Turkish property?

Compulsory medical insurance policy for foreign citizens applying for a residence permit covers:

40-60% of the cost of outpatient treatment (coverage amount - up to 2000 Turkish lira);
100% of the cost of treatment in an inpatient medical facility (if there is a contract between the insurance and the private clinic).

But the insurance does not cover the treatment of diabetes, hepatitis, cardiovascular and other chronic diseases, dentistry, etc.

We are talking about the most “modest” insurance for those who seek full-fledged Turkish citizenship, starting with a residence permit. You may expand the insurance at your discretion: more services and percentage of coverage - more cost!

A year after obtaining a residence permit, you can contact the nearest department of the social security department (Sosyal Guvenlik Kurumu or SGK) to apply for a state health insurance policy. The list of documents depends on the region - be guided by the one where you bought an apartment or other real estate.

What are the benefits of state health insurance in Turkey?

Unlike insurance in a private company, a public policy:

• buy one for the whole family. It can be used by the husband/wife and children of the property owner in Turkey;
• paid in monthly installments. There is no need to immediately lay out a large amount. Health insurance costs are easy to calculate and consider when allocating the family budget;
• 100% of the cost of treatment in public, and up to 80% - in private clinics;
• about 80 percent of the cost of medicines;
• covers any disease, even chronic.

Estimated cost of SGK insurance is 850-1000 TL per month. If monthly installments are not paid, the policy will be suspended.

You can supplement the state health insurance with voluntary insurance in private companies.

Our team will select for you the best object for investing in real estate in Turkey and will be happy to advise on issues related to getting a residence permit.

Open new life horizons with HAYAT ESTATE!