At the crossroad between Europe and Asia, Turkey is full of assets to attract tourists and expatriates from around the World. In 2019, it was even among the top 10 best expatriation destinations according to HSBC’s Expat Explorer survey. A place deserved when we have followed the evolution of the quality of life of the country and we know the benevolence of the Turkish population.
This improvement is reflected in the ever-changing health services. Many state-of-the-art hospital complexes and city hospitals have emerged from the ground in recent years, with the aim of increasing patient capacity and competing with the best healthcare systems in the world, such as Switzerland.
A growing health sector
The Ottoman Empire is conquering the best health technologies. Indeed, in recent years Turkey has distinguished itself from other countries by specializing in the fields of plastic surgery, dental and optical treatments, medical treatments of infertility or organ transplantation. As the costs of clinical services are much lower than other European or foreign countries, Turkey attracts foreign patients seeking health services at derisory prices (sometimes 50% lower than in the United States, the United Kingdom or Austria for example). These tourists mainly travel to Istanbul for hair transplants or laser refractive surgery, where public and private hospitals have established themselves massively. The Stambulists have adapted intelligently to this medical tourism by offering services translated into English, French, German or Russian.
A public health system that has yet to prove itself
While the specialized care mentioned above has made good progress in the quality of services, public health still brings little satisfaction to patients, with limited access to primary care and very long delays in some hospitals.
The social security system in Turkey is called Sosyal Guvenlik Kurumu (SGK). It provides access to universal, contribution-based health insurance that provides health coverage for the entire population.
As an expatriate or student, you must be covered by health insurance in Turkey, in order to obtain a residence or work permit. These conditions met, you will be able to benefit from public health insurance. It is your employer who is required to register you with social security. Without a job, you will be eligible for SGK if you have been legally resident in Turkey for at least 12 months. You will need to apply for it yourself. If you are in a special situation and want to know if you can be covered by universal health insurance, we invite you to consult the SGK coverage conditions.
The care that is funded and reimbursed by universal health insurance is the following:
- Outpatient and inpatient health care
- Maternity care and method of medically assisted procreation
- Accidents at work and occupational diseases
- Orthodontics for children under 18 and general dental treatments
The following treatments are not covered:
- Dental treatments and aesthetic health care
- Aesthetic surgery
- Health care for chronic diseases
Using private health services
Many expatriates prefer to treat themselves in private hospitals to avoid the poor care conditions of the public sector. With private health insurance, it is the guarantee of having access to high-end medical treatments, at more affordable prices than those offered in other countries. This solution is all the more recommended if you want to live in Turkey for the long term or for an indefinite period, as you will be sure to be covered for your daily care and unforeseen situations. If you are being followed for a chronic illness, you also have every interest in investing in a private health insurance.
The benefits of health insurance for expatriates in Turkey
By subscribing to an international health insurance or expatriate health insurance, your health and that of your loved ones will be covered from the beginning of your stay in Turkey. The Foyer Global Health health insurance is suitable for expatriates, digital nomads, students and other adventurers who settle in Turkey for a new life project. It offers you all the benefits you need:
Health coverage in Turkey and internationally
We have thought of you: our international insurance is available before your departure and accompanies you throughout your expatriation in Turkey. Its coverage is extended to the rest of the world and your home country, during your return journeys.
Covid-19 related expenses covered at 100%
With our Special and Exclusive plans, we reimburse all healthcare costs related to Covid-19,with no limit on reimbursement and coverage.
24/7 medical support and premium medical services
Our medical support answers your requests and questions every day, 24 hours a day. The team is available in case of an emergency, no matter where you are. You also have access with Foyer Global Health to free teleconsultation and other exclusive health services.
Fast 100% online refund
Your refund requests can be made at any time via your customer portal and will be processed as soon as possible.
To learn more about our expatriate health insurance, our teams are at your disposal!