YABANCI UYRUKLAR SAĞLIK SİGORTASI-HEALTH INSURANCE
In terms of insurance practices and specifically health insurance, two main groups of foreigners reside in Turkey. First group of foreigners is the working group, who came to and resides in Turkey for occupational reasons. These persons, in general, are already under the insurance coverage through Social Security practices and/or employer group health insurance since they are in Turkey due to employment agreements.
The second group consists of the ones who prefer to live and acquire immovable
property in the sea shore cities of Turkey and the ones who reside in Turkey
for educational purposes. For this second group, as of April 2014, it became
mandatory to have general health insurance under the new legal regime.
The private health insurance to be made for the residency permit applications
is not only a formality to be submitted to the public authorities but also a
valid insurance which could be used if and when needed. Contracting unexpected
health problems or having an accident may cause serious amount of expenses.
Laboratory analyses, medical charges, hospital fees and similar expenditures
may reach to an intolerable level. Therefore, having a health insurance policy
will provide an important support to meet those expenses.
In-Patient Treatment Coverage
- Hospital
services (surgery, operating room, anesthesia, drug, laboratory costs
etc.)
- Room,
bed, meal costs for the duration of stay at the hospital
- All
diagnostic biochemistry, microbiology, pathology analyses, radiologic imaging
and analyses performed within the framework of in-patient treatment
- Post-op
physiotherapy
- Chemotherapy,
radiotherapy, dialysis
- Prosthetic
limb costs in case of loss of limbs due to accident or illness
- Treatment
at intensive care units
- Treatment
for tooth loss caused by traffic accidents
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In-patient treatment costs at all medical institutions within the network are
covered without limit, whereas the in-patient treatments at out-of-network
medical institutions are covered up to an annual limit of TRY 20,000, with a
20% insured contribution rate.