Health Insurance for Foreign Nationals in Turkey

Comprehensive Coverage for Your Health and Well-Being

For foreign nationals residing in Turkey, private health insurance is a mandatory requirement that provides financial and medical security during your stay. This insurance ensures access to quality healthcare services and covers both inpatient and outpatient treatments, safeguarding your well-being against unforeseen health-related expenses.

Scope of Coverage

Outpatient Treatment (Daily visits)

• Coverage: Doctor examinations, labs, imaging, and medicine.
• Annual Limit: Total of 15,000 TL per year.
• Participation (Copay): You pay 20% at Network hospitals and 40% at Non-network providers.

Inpatient Treatment (Hospitalization)

• Coverage: Surgery, hospital room & board, chemotherapy, radiotherapy, and dialysis.
• Annual Limit: Unlimited at Network hospitals. Limited to 150,000 TL at Non-network providers.
• Participation (Copay): 0% at Network hospitals. You pay 20% at Non-network providers.

Supplemental Benefits

• Emergency & Ambulance: Fully covered (0% copay).
• Home Care: Limited to 45 days per year (20% copay).
• Medical Equipment: Limited to 2,000 TL.

Important Policy Notes

• Outpatient Waiting Period: 6 Months
• Inpatient Waiting Period: 9 Months
• Pre-existing Conditions: Any illnesses, symptoms, or chronic conditions that existed prior to the policy start date are strictly excluded from coverage.

Summary Note: This means the insurance only covers "new" health issues that arise after the policy is active and once the relevant waiting periods have passed.

This policy covers the minimum coverage structure set forth in the Circular on Private Health Insurance for Visa and Residence Permit Applications, dated 25.12.2024 and numbered 2024/34.

With the Circular effective as of 01.04.2025, the minimum coverage amounts to be provided within the scope of contracted and non-contracted healthcare institutions have been redefined. Accordingly, inpatient treatment coverage is capped at an upper limit of 250,000 TL at the 20 public health institutions affiliated with the Ministry of Health specified in the policy.

HEALTH INSURANCE APPLICATION FORM