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

1️⃣ Inpatient Treatment Coverage

This coverage includes hospitalization expenses, surgical procedures, diagnostic tests, and specialized treatments for serious medical conditions, ensuring that insured individuals receive adequate medical care when needed.

✅ Hospital Services (surgery, operating room, anesthesia, medication, laboratory fees, radiology, etc.)
✅ Room, bed, board, and attendant care expenses during hospital stays
✅ Organ Transplants (cornea, kidney, pancreas, liver, heart, lung)
✅ Advanced Medical Procedures (Extracorporeal Shock Wave Lithotripsy (ESWL), Gama Knife procedures)
✅ Coronary Angiography
✅ Diagnostic Tests During Hospitalization (biochemistry, microbiology, pathology examinations, radiological imaging)
✅ Post-Surgery Physical Therapy
✅ Medical Home Care Services (daily assistance, social support)
✅ Cancer Treatments (chemotherapy, radiotherapy, dialysis)
✅ Short-Term Medical Treatments (food poisoning, burns, casts—under 24 hours of hospitalization)
✅ Prosthesis Expenses (due to limb loss from an accident or disease)
✅ Intensive Care Unit (ICU) Treatments
✅ Dental & Nasal Treatments (if incurred due to a traffic accident)

2️⃣ Outpatient Treatment Coverage

This category covers routine medical check-ups and treatments that do not require hospitalization.

✅ Physical Examinations
✅ Diagnostic Examinations
✅ Medication Expenses
✅ Physical Therapy

Coverage Limits and Co-Insurance Structure

📌 Inpatient Treatment Expenses

✅ Unlimited coverage at contracted health care institutions

✅ Annual limit of 20,000 TL at non-contracted health institutions, with 80/20 co-insurance

📌 Outpatient Treatment Expenses

📌 Annual limit of 2,000 TL, with 60/40 co-insurance

Important Notes

📌 This document serves as an informational guide and does not replace official policy documentation. For precise coverage details, exclusions, and conditions, please review the policy terms and conditions.

📌 Health insurance policies may vary depending on the provider. We recommend checking specific policy benefits, exclusions, and eligibility criteria before purchasing a plan.