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FREQUENTLY ASKED QUESTIONS

Below you can find answers to frequently asked questions about Foreign Health (Residence Permit) Insurance. If the question and answer you are looking for is not here, send it to info@farkibizden.com and we will send the answer to your e-mail address as soon as possible!

What is Foreign Health (Resident Permit) Insurance?

Foreign health insurance is a mandatory insurance for foreign individuals who want to reside or have a residence permit in Turkey. As of April 11th, 2014, a regulation was implemented requiring foreign individuals to have a minimum of 1-year health insurance in Turkey. Travel insurance types, which are only valid for a maximum of 6 months, are not sufficient for longer stays.

Is Residence Permit Insurance Different from Foreign Health Insurance?

Residence insurance is actually another name for foreign health insurance. It is mandatory for foreign individuals who plan to reside in Turkey. This insurance allows foreign individuals to access and receive health services in Turkey. In addition, foreign individuals who wish to obtain residence or work permits from official authorities in Turkey are also required to take out this insurance.

Is It mandatory For Foreign Individuals To Take Out Residence Health Insurance?

Yes, it is mandatory for foreign individuals in Turkey to take out foreign health (residence permit) insurance. Foreign individuals living in Turkey must have health insurance within 3 months of entering the country. If they do not take out this insurance, they will not be able to access or receive health services in Turkey. In addition, taking out this insurance is also a requirement for obtaining a residence or work permit.

What are the Coverage and Limits in Foreign Health (Residence/Residence Permit) Insurance?

As the name implies, foreign health insurance is a health insurance. It is designed to cover the potential health expenses of those who take out the insurance. This type of insurance has a very wide coverage scope.

According to this, the scope of health insurance for foreign nationals includes outpatient services, hospitalization expenses, medical tests and treatments, and many other health services. However, the limits of this insurance vary depending on the policy taken out and the insurance company offering it. It is possible to find policies with both high and low limits, so it is advisable to compare the options and choose the one that best meets individual needs.

Foreign Health (Residence Permit) Insurance Who is Not Obligatory For?

In the Turkish Republic, foreign health insurance is not mandatory for the following individuals:

  1. Those who are Turkish citizens,
  2. Diplomatic and consular members appointed by the state,
  3. Those who have acquired Turkish citizenship,
  4. Those who are under the Social Security Institution, whose spouse is a Turkish citizen.
  5. Members and their families of international organizations officially serving in the Turkish Republic.
  6. Those with temporary or permanent protection status given by the Turkish Republic.

Additionally, it is recommended but not mandatory for foreign individuals visiting Turkey for a short time to obtain health insurance.

How Long Is The Foreign Health (Residence/Permit) Insurance Valid For?

The duration of foreign health insurance in Turkey may vary depending on the insurance companies. However, this insurance is usually arranged for a period of 1 year. If foreigners continue to stay in Turkey, they can renew the policy at the end of the insurance period and remain protected for another year. Some insurance companies may offer short-term (e.g. several months) or long-term (e.g. 2 years) options. Foreigners can choose the most suitable duration by consulting with insurance companies.

How is the Termination and Cancellation of Foreign Health Insurance?

First of all, the foreign health insurance that has expired will expire at the end of this period, which is generally 1 year, and will need to be renewed. On the other hand, the person can also cancel the foreign health (residence/permit) insurance under certain conditions. The first condition is for the person to be included in the SGK (Social Security Institution). Foreigners who are included in the Social Security Institution are not required to take out Foreign Health Insurance and can also cancel their existing policies. The second condition for cancelling the Foreign Health Insurance (Residence/Permit) Policy is to have documentation of a new private health insurance policy that is valid during the period of residency.