The three most popular health insurers among expats in Turkey are Allianz, AXA (Sigorta) and Mapfre. They’re all reputable, SEDDK-regulated, and accepted for residence permit applications. But they’re not identical — here’s how they compare.
Quick comparison
| Allianz | AXA | Mapfre | |
|---|---|---|---|
| Hospital network | Very wide | Wide | Wide |
| English support | Good | Moderate | Moderate |
| Claims portal | App + online | Online | Online |
| Same-day issuance | ✅ | ✅ | ✅ |
| Permit acceptance | ✅ | ✅ | ✅ |
| Pre-existing cover | Limited | Limited | Limited |
Based on standard plans. Premium plans may differ.
Allianz Turkey
Strengths:
- Largest hospital network in Turkey
- Strong English-language customer service
- Good digital claims process via app
- Comprehensive plan options from basic to premium
Best for: Expats who travel between cities frequently and want the widest possible hospital choice.
Watch out for: Premiums are typically 10–20% higher than competitors. Read the exclusions carefully on the entry-level plan.
AXA Turkey (formerly Axa Sigorta)
Strengths:
- Competitive premiums
- Solid hospital network especially in Istanbul and Ankara
- Good international backing (AXA Group)
- Reasonable out-patient cover on mid-tier plans
Best for: Expats in Istanbul looking for competitive pricing without compromising on quality.
Watch out for: Some processes are still in Turkish only. English support has improved but isn’t as polished as Allianz.
Mapfre Sigorta
Strengths:
- Competitive pricing
- Good reputation for claim payment speed
- Strong presence in the Aegean/Mediterranean (Antalya, Bodrum, Marmaris)
- Flexible plan tiers
Best for: Expats living on the Aegean or Mediterranean coast, where Mapfre has strong coverage.
Watch out for: Smaller hospital network in smaller cities. Digital tools are less developed than Allianz.
Other insurers worth considering
- Anadolu Sigorta — competitive premiums, good national network
- Groupama — strong in rural/agricultural areas
- Generali — international backing, growing Turkey presence
- Türk Nippon — competitive on price for younger applicants
Which should I choose?
It depends on your age, location, budget and how often you use healthcare. Rather than guessing, let us compare all of them for your specific profile.
Get quotes from all insurers →
We’ll present the options side by side so you can choose with confidence.
