Health
Health May 2026
Health Insurance Cost Turkey 2026: Full Price Guide
Health insurance premiums in Turkey vary widely by age, insurer and coverage level. Here's a realistic 2026 price guide so you know what to expect.
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Health insurance for Turkish residence permit
Private health insurance
for expats in Turkey.
Required for all Turkish residence permit applications. Compare 2026 quotes from 30+ Turkish insurers. English-speaking team. Same-day issuance available.
Licensed broker
English-speaking team
30+ Turkish insurers
Why it matters
Health insurance is a legal requirement for your Turkish residence permit
Since 2014, the Turkish Directorate General of Migration Management (Göç İdaresi Genel Müdürlüğü) has required all foreign nationals applying for a residence permit to provide proof of valid health insurance. The policy must:
- Cover the full duration of the permit you are applying for
- Be issued by a Turkish-licensed insurance company
- Name the policyholder (you) and include your Turkish address
- Be presented in Turkish at the immigration office
Without it, your residence permit application will be rejected. Policy documents are issued in Turkish as standard. Our team explains the coverage in English and supports you through the submission — same-day issuance in most cases.
🇬🇧
Policy available in Turkish and English. Foreign health insurance (yabancı sağlık sigortası) is the one product where all Turkish insurers provide both a Turkish and an English version of the policy document as standard.
Do I need foreign health insurance or TSS?
No SGK? → Foreign health insurance
If you are not registered in Turkey's SGK public health system, you need a full private health insurance policy (yabancı sağlık sigortası). This is the most common option for new arrivals and retirees.
Have SGK? → TSS top-up
If you are registered in SGK (e.g. employed in Turkey or voluntarily registered), TSS (tamamlayıcı sağlık sigortası) fills the gaps — private room, dental, faster access. Much cheaper than full private cover.
2026 Price Guide
Health insurance costs in Turkey — approximate 2026 annual premiums
Prices vary by age, nationality, coverage level and the insurer's actuarial tables. Figures below are indicative for a non-smoking adult aged 30–45 with standard inpatient/outpatient cover. Contact us for a personalised quote.
| Insurer | Tier | Approx. annual premium | Notes |
|---|---|---|---|
| Allianz Sigorta | Premium | 18,000–45,000 TL | Widest hospital network, international coverage options |
| AXA Sigorta | Premium | 16,000–40,000 TL | Strong maternity and dental add-ons |
| Mapfre Sigorta | Mid-range | 12,000–32,000 TL | Good value comprehensive plans |
| Groupama | Mid-range | 10,000–28,000 TL | Popular with EU expats |
| Türk Nippon | Mid-range | 10,000–25,000 TL | Reliable mid-tier option |
| Ankara Sigorta | Budget | 7,000–18,000 TL | Best entry-level permit cover |
| Demir Sigorta | Budget | 7,500–18,000 TL | Competitive premiums for younger applicants |
| GIG Sigorta | Mid-range | 9,000–22,000 TL | Gulf-backed insurer, growing network |
* Premiums in Turkish Lira (TL). Rates are approximate for 2026 and subject to change. Contact us for exact quotes tailored to your age and coverage needs.
Coverage options
What's included at each level
Basic
From ~8,000 TL/year
✓ Inpatient hospital stays
✓ Emergency treatment
✓ Surgery & anaesthesia
✓ Diagnostic tests (inpatient)
✓ Meets permit requirements
✕ Outpatient GP visits
✕ Dental
✕ Maternity
✕ Physiotherapy
Most popular
Standard
From ~15,000 TL/year
✓ All Basic cover
✓ Outpatient clinic visits
✓ Prescription medicines
✓ Specialist referrals
✓ Diagnostic imaging (outpatient)
✓ Emergency dental
✕ Maternity
✕ Elective dental
✕ Physiotherapy (limited)
Comprehensive
From ~28,000 TL/year
✓ All Standard cover
✓ Dental (including elective)
✓ Maternity & newborn
✓ Physiotherapy
✓ Mental health cover
✓ International emergency cover
✓ Preventive health check-ups
✕ Pre-existing conditions (waiting period may apply)
How it works
Get covered in 4 steps
01
Tell us your details
Age, nationality, permit duration, any pre-existing conditions. 2 minutes via the form or WhatsApp.
02
We compare 30+ insurers
Our team pulls real quotes from Allianz, AXA, Mapfre, Ankara and more — and recommends the best match.
03
Review your options
We send clear English comparisons. No jargon. Ask us any questions before you commit.
04
Pay and get your policy
Pay securely. Receive your policy document by email. We walk you through everything in English.
Common questions
Health insurance in Turkey — FAQ
Is health insurance mandatory for a Turkish residence permit?
Yes. Since 2014, all foreign nationals applying for a Turkish residence permit (ikamet izni) must hold a valid health insurance policy that covers the full duration of the permit. The immigration office (Göç İdaresi) will reject your application without it.
What's the difference between foreign health insurance and TSS?
Foreign health insurance (yabancı sağlık sigortası) is a standalone private health policy for people who are not registered in Turkey's SGK public health system. TSS (tamamlayıcı sağlık sigortası) is a complementary top-up policy for people who already have SGK coverage. If you have no SGK, you need full foreign health insurance. If you have SGK, TSS fills the gaps.
How much does private health insurance cost in Turkey in 2026?
Premiums vary by age, nationality, insurer and coverage level. As a rough guide for 2026: a basic plan for someone aged 30–40 starts around 8,000–15,000 TL per year (approx. €200–400). Comprehensive plans with dental and maternity cover are 25,000–60,000 TL/year. Allianz, Mapfre and AXA typically sit at the premium end; Ankara Sigorta and Demir Sigorta offer more affordable options.
Which insurers do you work with?
We work with all major Turkish insurers: Allianz Sigorta, AXA Sigorta, Mapfre Sigorta, Anadolu Sigorta, Groupama, Generali, Türk Nippon, Ankara Sigorta, Demir Sigorta, GIG Sigorta and more — over 30 companies in total.
Can I get health insurance if I have a pre-existing condition?
It depends on the condition and insurer. Some Turkish insurers will cover pre-existing conditions with a waiting period or exclusion clause; others will decline. Diabetes, hypertension and cardiac conditions are commonly excluded for a period of 1–2 years. Tell us your situation and we will find the best available option.
Can I use my policy at public hospitals (devlet hastanesi)?
Private health insurance plans are primarily designed for use at private hospitals (özel hastane). Many plans include emergency coverage at state hospitals. For routine use of state hospitals, SGK registration plus TSS is usually the better route.
Does the insurance policy need to be in Turkish?
The immigration office requires a policy document in Turkish. Foreign health insurance (yabancı sağlık sigortası) is the one product where all Turkish insurers provide both a Turkish-language and an English-language version of the policy document as standard — making it easier for expats to understand their cover.
How quickly can I get covered?
Most policies are issued same day or within 24 hours after payment. We can issue emergency same-day cover for urgent residence permit appointments.
Guides & resources
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Get covered today.
Need health insurance for your residence permit?
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