Health insurance
The health insurance system in Turkey is one of the most successful health systems that serve all classes of the population without any discrimination. Foreigners are considered beneficiaries of this system if they meet the necessary conditions.
Health insurance in Turkey is divided into two types:
Government health insurance and private health insurance (by private companies).
Government Health Insurance
It is called SGK in Turkish abbreviation
It includes all services, including medical examination, examination, medical screening and medical analysis in any government hospital for free and at a reduced value in most private hospitals up to 80% of the value of detection in some hospitals.
Note: The value of the discount in the private hospitals signed with the health insurance differs from one hospital to another.
-To clarify and understand some of the hidden details that many foreign residents do not know in Turkey,
Medical services are divided into:
- Urgent service
The 24-hour hospital emergency department.
- Clinical Patient Service (Yatakta Tedavi)
Or the need for hospitalization for treatment, including (not limited to)
- Processes
- Room - Facilities – Dining
III. Intensive care (no limit in government hospitals and a maximum of 90 days in most private hospitals)
- Follow the doctor
- Clinical medicine
- Clinical diagnosis
VII. Chemotherapy
VIII.Radiation therapy
- Other medical services:
- Small operations
- Home medical care
III. Post-operative physiotherapy
- Ambulance Service
- Air Ambulance service (within the borders of Turkey)
- Air Ambulance Service (outside the borders of Turkey)
VII. Birth
VIII. Medical devices for hospitalization
- Child Custody Service
- Comprehensive Medical Examination Service
- Medical tests
XII. Radiology
So let us settle it down for you as follows:
If you have a government health insurance,
- You are entitled to benefit from the previously mentioned medical services completely free of charge in Turkish public hospitals.
- You are also entitled to benefit from these services in private hospitals but with government insurance agreement (according to the specific discount rate deducted from the price of this hospital) in some private hospitals up to 60%.
Example 1: You have a government health insurance and you want a medical check up to be issued at a private hospital contracted by the government insurance and the value of the disclosure is 100 Turkish liras, but since you are a beneficiary of government insurance and there is a contract with this hospital you will pay only 40% .
Example 2: You have a government health insurance and want a medical check-up in private hospital but this private hospital does not have a contract with the governmental insurance. In this case, you will pay the full amount of the check, or you have the option to go to a government hospital for free.
Example 3: You have private health insurance. This insurance covers, for example, 80% of the value of regular medical examination in private contracted hospitals, but up to a maximum of 2000 TL per year. If we assume that the value of the check-up was 100 Turkish lira and insurance covered 80 pounds and you paid 20 pounds to the hospital, you mean that you spent 80 pounds of 2000 pounds your annual balance.
The following table will explain the difference between what is covered by government health insurance and private insurance companies.
Note: The percentages that will be written with the private insurance are approximate and do not apply to all companies (please inquire about the discount rates that you will receive during your contract with the insurance company)
| Type of medical service | Government insurance | Private insurance | ||
| Urgent Service | Free in any hospital | Free with hospitals contracted with the government only | ||
| Clinical patient service (Yatakta Tedavi) of all kinds mentioned | Free and covers 100% | Covers 100% with only contracted hospital. (In most companies) and sometimes 80% | ||
| Services of ailing patient (Ayakta Tedavi) | ||||
| Normal check-up or doctor's examination | Free in government hospitals and up to 80% discount in private hospitals contracting. And without an annual balance | With a deduction of up to 80% in contracted hospitals and less in non-contracted and non-governmental. And an annual balance (2000 TL, for example) | ||
| Diagnosis | Free in government hospitals and up to 80% discount in private hospitals contracting. And without an annual balance | With a deduction of up to 80% in contracted hospitals and less in non-contracted and non-governmental. And an annual balance (2000 TL, for example) | ||
| Natural therapy | Free in government hospitals and up to 80% discount in private hospitals contracting. And without an annual balance | With a deduction of up to 80% in contracted hospitals and less in non-contracted and non-governmental. And an annual balance (maximum of 15 sessions as an example) | ||
| Breast cancer detection for women | Free in government hospitals and up to 80% discount in private hospitals contracting. And without an annual balance | With a deduction of up to 80% in contracted hospitals and less in non-contracted and non-governmental. | Once a year as an example | |
| Other medical services | Free in government hospitals and up to 80% discount in private hospitals contracting. And without an annual balance | With a deduction of up to 80% in contracted hospitals and less in non-contracting and non-governmental. | The annual balance law is applied | |
| Drug | Free of charge from the state hospital pharmacy (if available) | A discount of up to 80% of all pharmacies is disbursed | With a discount of up to 80% of the contracted pharmacies and less non-contracting. | The annual balance law is applied |
| Dental clinic | Free in government hospitals | Not available with private insurance and full value paid | ||
| Cosmetic and laser operations | Free only when necessary. And for an affordable prices in public hospitals | Not available with private insurance and full value paid |
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