As Turkey’s expat business community grows, group health insurance has become an important part of the employment offer for companies hiring international talent. Here’s what employers need to know.
What is group health insurance in Turkey?
Group health insurance (grup sağlık sigortası) is a corporate health policy covering multiple employees under a single plan. It’s arranged by the employer and typically subsidised or fully paid by the company.
Unlike individual policies, group plans:
- Are priced on the average risk of the group (not individual health)
- Are usually cheaper per person than individual policies
- Can include employees who might struggle to get affordable individual cover
Who needs it?
Group health insurance is relevant for:
- Tech companies, startups and agencies with international hires
- Embassies and diplomatic missions (required by some governments)
- NGOs and international organisations
- Schools and educational institutions
- Any employer wanting to offer a competitive benefits package
What does group health cover?
Plan options typically include:
Basic plan:
- In-patient treatment
- Emergency care
- Surgery
Standard plan:
- All of basic, plus:
- Out-patient consultations and diagnostics
- Pharmacy
Comprehensive plan:
- All of standard, plus:
- Dental
- Optical
- Maternity
- Mental health support
How many employees do I need?
Most Turkish insurers require a minimum of 3 employees for a group plan. Some require 5+.
If you have fewer than 3 employees, individual policies coordinated by us can still provide employer-subsidised cover.
Can group cover include foreign employees?
Yes. Group policies cover Turkish and foreign national employees equally. For employees who also need the policy for their residence permit, we confirm the policy meets DGMM requirements.
How much does group health insurance cost in Turkey?
Group premiums per employee depend on:
- Average age of the group
- Size of the group (larger groups get better rates)
- Coverage level chosen
- Previous claims history (for renewals)
As a rough guide for 2026:
| Group size | Cost per employee/year (standard plan) |
|---|---|
| 3–10 employees | ₺12,000–₺25,000 |
| 11–30 employees | ₺9,000–₺18,000 |
| 31+ employees | ₺7,000–₺14,000 |
Estimates based on mixed-age groups under 45. Subject to underwriting.
Can I offer different levels to different employees?
Yes. It’s common to offer a basic plan to all staff and enhanced cover to managers or directors. We can structure multi-tier plans.
How to get a group health insurance quote
Contact us with your requirements →
Tell us:
- Number of employees
- Age range or average age
- Coverage level desired
- Any employees with known health conditions
We’ll prepare options from our panel of Turkish group insurers.
