Private health insurance
in Turkey.

Private health insurance (özel sağlık sigortası) gives you access to private hospitals and clinics in Turkey, typically with faster appointments, private rooms and specialist access. It is separate from the SGK public health system. Expats can choose this for comfort and quality of care beyond the minimum residence permit requirement.

Foreign health insurance (yabancı sağlık sigortası) is the specific product designed for non-Turkish nationals and accepted by immigration for residence permit applications. Private health insurance is a broader category covering anyone — Turkish citizens included — who wants comprehensive private hospital access. For most expats, the two overlap significantly, but the coverage levels, networks and pricing can differ.

For residence permit purposes, you need a policy that meets the immigration authority's criteria — typically a yabancı sağlık sigortası (foreign health policy). A full private health insurance policy will also meet this requirement. We confirm compliance before issuance so you're never caught out at the immigration office.

Coverage depends on the insurer and plan. Premium plans typically cover all major private hospital groups in Turkey — Acıbadem, Medicana, Memorial, Florence Nightingale, and hundreds of regional hospitals. We confirm the hospital network for your chosen plan before you buy.

Standard plans cover inpatient hospitalisation, surgery, emergency care and diagnostic tests. Mid-range plans add outpatient GP and specialist visits, prescription medicines and imaging. Comprehensive plans include dental, maternity, physiotherapy, mental health and preventive check-ups. Exact coverage varies by insurer.

Premiums depend on your age, nationality, health history and chosen coverage level. A standard plan for someone aged 35–45 typically starts around 12,000–20,000 TL per year in 2026. Comprehensive plans with dental and maternity can reach 40,000–70,000 TL. We compare quotes from 30+ Turkish insurers to find the best match for your needs and budget.