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Discover Turkey Healthcare system Health Insurance

Health insurance

By Turkey Campus November 18, 2021

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)

  1. Processes
  2. Room - Facilities – Dining

III. Intensive care (no limit in government hospitals and a maximum of 90 days in most private hospitals)

  1. Follow the doctor
  2. Clinical medicine
  3. Clinical diagnosis

VII. Chemotherapy

VIII.Radiation therapy

- Other medical services:

  1. Small operations
  2. Home medical care

III. Post-operative physiotherapy

  1. Ambulance Service
  2. Air Ambulance service (within the borders of Turkey)
  3. Air Ambulance Service (outside the borders of Turkey)

VII. Birth

VIII. Medical devices for hospitalization

  1. Child Custody Service
  2. Comprehensive Medical Examination Service
  3. Medical tests

XII. Radiology

So let us settle it down for you as follows:

If you have a government health insurance,

  1. You are entitled to benefit from the previously mentioned medical services completely free of charge in Turkish public hospitals.
  2. 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 serviceGovernment insurancePrivate insurance
Urgent ServiceFree in any hospitalFree with hospitals contracted with the government only
Clinical patient service (Yatakta Tedavi) of all kinds mentionedFree 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 examinationFree in government hospitals and up to 80% discount in private hospitals contracting. And without an annual balanceWith 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)
DiagnosisFree in government hospitals and up to 80% discount in private hospitals contracting. And without an annual balanceWith 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 therapyFree in government hospitals and up to 80% discount in private hospitals contracting. And without an annual balanceWith 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 womenFree in government hospitals and up to 80% discount in private hospitals contracting. And without an annual balanceWith 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 servicesFree in government hospitals and up to 80% discount in private hospitals contracting. And without an annual balanceWith a deduction of up to 80% in contracted hospitals and less in non-contracting and non-governmental.The annual balance law is applied
DrugFree of charge from the state hospital pharmacy (if available)A discount of up to 80% of all pharmacies is disbursedWith a discount of up to 80% of the contracted pharmacies and less non-contracting.The annual balance law is applied
Dental clinicFree in government hospitalsNot available with private insurance and full value paid
Cosmetic and laser operationsFree only when necessary. And for an affordable prices in public hospitalsNot available with private insurance and full value paid


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