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What is Foreign Health Insurance

One of the top concerns for our fellow citizens residing in Turkey is healthcare costs and whether they can have insurance to rely on in times of illness. Is it possible to have insurance coverage to use when needed?

Health insurance for foreigners,” or commonly known as “residence permit health insurance,” is one of the various types of health insurance available in Turkey. Most individuals are familiar with this type of insurance as it is a mandatory requirement for obtaining a residence permit, and a primary document to be submitted to the Turkish immigration office during the application process.”

The commitments and coverage of this insurance policy are consistent across all insurance companies, as they are annually reviewed and announced by the government. Insurance companies determine their premiums by assessing their profits and losses in this field of insurance.

Let’s discuss the obligations of this insurance policy here:

1- Payment of hospitalization expenses (Yatarak tedavi)

2- Payment of outpatient expenses (Ayakta Tedavi)

Hospitalization Expenses (Yatarak tedavi)

Being hospitalized refers to a patient staying in the hospital for treatment for more than 24 hours, and in such cases, they are eligible for coverage of hospitalization expenses.

The hospitalization expenses include the costs of surgical procedures, hospital treatment, companion room charges, special care, angiography, medical examinations, prosthetics, computed tomography, radiography, rehabilitation expenses, excess costs due to driving accidents, and medical care expenses provided at home.

Payment of outpatient expenses (Ayakta Tedavi)

It includes medical examinations, medication, laboratory tests, paraclinical expenses (such as sonography, mammography, endoscopy, colonoscopy, etc.), medical aids such as knee braces, wrist braces, neck braces, and other medical equipment.

Why have to buy

Do Foreigners Have to Have Health Insurance?

In order to extend their stay in Turkey beyond the duration of their tourist visa, foreign nationals must obtain foreign health insurance to apply for a residence permit. It is mandatory for foreign individuals who wish to reside in Turkey to have health insurance for their residence permit. However, if the foreign individual holds dual citizenship, including Turkish citizenship, this requirement does not apply.

The place where you should apply for a residence permit

The prices of Foreign Health Insurance policies for residence permits may differ based on the individual’s birth year and the insurance company offering the policy. At e-ikamet-sigorta.com.tr, we provide a user-friendly platform that enables you to compare the prices of different insurance companies based on your age. By simply filling out the form on our homepage, you can easily access and compare the prices of various policies and select the one that best fits your needs.

What Does Health Insurance Cover for Foreigners?

Foreign individuals with Foreign Health Insurance policies are entitled to coverage for their medical expenses, subject to the terms and conditions specified in their policy. The coverage provided may vary based on the contracted health institutions, the limits, payment rates, and any exceptions outlined in the policy. The expenses covered are determined based on the Health Insurance General Conditions and Private Health Insurance Regulations specified in the policy, as well as the application conditions of the health institutions in accordance with these special conditions.

What are the Treatment Costs of Foreign Health Insurance and What Does It Cover?

Foreign Health Insurance policies are typically divided into two categories: Outpatient and Inpatient Treatment Coverage. For outpatient treatments, there is an annual limit of 5,000 TL, and in contracted hospitals, the insured is responsible for paying only 20% of the total cost. However, in non-contracted hospitals, the Participation Share increases to 40%.

In the case of inpatient treatments, there are no limits for contracted hospitals, and the insured is responsible for paying only 20% of the total cost. However, in non-contracted hospitals, there is a maximum annual limit of 50,000 TL, with a Participation Share of 20%. The waiting period for outpatient treatments is typically half of the policy period, while for inpatient treatments, it is usually three-quarters of the policy period.

Can Foreign Health Insurance be made for 2 years?

Residence insurance is typically set up for a one-year period, with coverage beginning and ending according to the waiting periods specified in the policy. Some insurance providers also offer two-year foreign health insurance options to accommodate individuals who may be applying for a two-year residency. If you are interested in purchasing a two-year policy, you can easily compare prices for foreign health insurance on the website e-ikamet-sigorta.com.tr.

Can Foreign Health Insurance Be Canceled?

Foreign health insurance policies can be canceled, but there are certain conditions and justifications that must be met. Since these policies are mandatory for residents, cancellation may require specific documents or reasons. The cancellation rules are generally consistent across different insurance companies. It is important to note that cancellation cannot be made without the necessary documentation and justification.

Who Can Benefit from Foreign Health Insurance?

Foreigners who wish to reside or work in Turkey following a tourist visa can obtain foreign health insurance. However, the requirements and application process for obtaining such insurance may vary across different insurance companies. Some providers may have age restrictions, with standard health insurance typically being offered to foreigners between the ages of 0-65. For more detailed information on foreign health insurance policies, interested individuals can easily access pricing information by completing a form on the website e-ikamet-sigorta.com.tr.

Is Foreign Health Insurance Mandatory for Foreigners Married to a Turkish Spouse?

When a foreign national’s spouse is a Turkish citizen, the Turkish Spouse’s SSI status is checked first before considering foreign health insurance. If the Turkish spouse has Active SGK and no outstanding debts, then the foreign spouse is not required to have residence health insurance for their residence application. However, if the Turkish spouse does not have SGK or has SSI with debts, then the foreign individual must obtain foreign health insurance in order to apply for residence in Turkey.

What is the Difference Between Foreign Health Insurance and Private Health Insurance?

Private Health Insurance is an optional insurance type, whereas Foreign Health Insurance is mandatory for foreign nationals seeking to obtain a residence permit in Turkey. Private Health Insurance offers a more comprehensive coverage compared to Foreign Health Insurance, and additional coverage can be added upon request. However, for Foreign Health Insurance, the coverage structure is standard and cannot be modified, meaning that additional coverage cannot be added.

Is Foreign Health Insurance Valid Abroad?

It is important to note that Foreign Health Insurance is only valid within the borders of Turkey.

Is Birth and Pregnancy Covered by Foreign Health Insurance?

Coverage for birth and pregnancy is not included in the coverage provided by Foreign Health Insurance.

Can Foreign Health Insurance Coverage Be Expanded After Residency?

It is not possible to expand the coverage and scope of Residence Health Insurance policies, as these policies have standard coverage that is predetermined and cannot be altered. This is because Residence Health Insurance is a mandatory insurance type, and the coverage and scope are set by the regulations governing the policy.

Can Foreign Health Insurance Be Purchased Without a Tax Number?

Foreigner Health Insurance for Residence can be purchased using various identification numbers including Passport number, Foreigner Identification Number (YKN), and Tax Identity Number. Individuals can select their preferred identification number when purchasing the insurance policy.

What Periods Should the Policy Start Date Contain? What Should the Start Date Be?

It is important to ensure that the start date of the Foreign Health Insurance policy corresponds with the registration date of the Residence Application, as well as the start and end dates of the residence permit. If the residence permit is being extended, then the end date of the permit must match the start date of the policy.

Can Foreign Health Insurance be made with a future date?

It is possible to adjust the date ranges for Foreign Health Insurance policies, although the specific ranges may differ across different insurance companies.

Can Foreign Health Insurance be made with a past date?

Adjustments to the date ranges for Foreign Health Insurance policies can be made, but the specific ranges may vary depending on the insurance company.

Are Foreign Health Insurance Coverage and Limits the Same in All Insurance Companies?

It is worth noting that the coverage and limits for Foreign Health Insurance policies are generally consistent across different insurance companies. This means that the coverage and limits provided by one insurance company will be similar or identical to those provided by another.

Does the Foreign Health Insurance Cover the Intensive Care?

Foreign Health Insurance policies do cover intensive care, but it is important to note that the length of stay in intensive care is typically limited to 100 days per year.

What are the Foreign Health Insurance Outpatient Treatment Coverage?

Foreign Health Insurance policies that include outpatient treatment coverage offer unlimited coverage for treatment expenses at healthcare institutions that have a contract with the insurance provider. However, coverage is limited at healthcare institutions that are not contracted. The coverage typically includes:

  • Doctor’s examinations
  • Medications
  • Laboratory tests
  • X-rays
  • Advanced diagnostic procedures
  • Physiotherapy (up to 15 sessions)
  • Minor interventions
What are the Foreign Health Insurance Inpatient Treatment Coverage Coverages?

Foreign Health Insurance policies that include inpatient treatment coverage offer unlimited coverage for healthcare expenses incurred at healthcare institutions that have a contract with the insurance provider. However, coverage is limited at healthcare institutions that are not contracted. The coverage typically includes:

  • Surgical treatments
  • Medical treatments
  • Room, board, and other expenses incurred during hospital stays
  • Operating physician fees
  • Intensive care
  • Chemotherapy
  • Radiotherapy
  • Dialysis
  • Postoperative physiotherapy (up to 15 sessions)
  • Ambulance services
What are the Foreign Health Insurance Additional Treatment Coverages?

In addition to the treatments mentioned previously, Foreign Health Insurance policies that are valid for residence also provide coverage for the following treatments:

  • Dental treatment following a traffic accident
  • Home care
  • Provision of artificial limbs
  • Provision of supplementary medical supplies

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