Turkish Social Insurance Law

General Health Insurance for Foreigners in Turkey

General Health Insurance (GHI) for foreigners in Turkey offers essential healthcare services, ensuring access to both public and private medical institutions. With GHI, foreign nationals residing in Turkey can avoid high medical expenses in the event of unexpected health issues.

Eligibility for General Health Insurance (GHI) in Turkey Foreign nationals can benefit from General Health Insurance if they meet the following eligibility requirements:

  • Must have lived in Turkey for at least one year with a valid residence permit.
  • Must not be covered by any foreign country’s social security system.
  • Must not be covered by another health insurance plan.
  • Must apply for GHI after completing one year of residence in Turkey. Foreign students studying in Turkey can apply for GHI within three months after their school registration, even without the one-year residency requirement.

 

How to Apply for GHI in Turkey Foreign nationals must apply for General Health Insurance at their local Social Security Institution (SGK) Directorate. The application process requires submitting several documents:

  • Valid residence permit.
  • Proof from the foreign country’s social security institution or consulate confirming the applicant is not insured elsewhere.
  • Recognizance form signed by the applicant.

Applications must be submitted in person, and documents should be in Turkish or officially translated.

GHI Premium Rates for Foreign Nationals in Turkey The monthly premium rate for General Health Insurance is calculated based on Turkey’s gross minimum wage. 2025 Premium Rates:

  • Foreign Nationals: 24% of the minimum wage.
  • Foreign Students: 4% of the minimum wage.

Premiums must be paid monthly to ensure continued coverage. These premium amounts may change annually in line with Turkey’s minimum wage adjustments.

Health Services Covered by General Health Insurance (GHI) in Turkey General Health Insurance in Turkey covers a wide range of healthcare services, including:

  • Outpatient and inpatient treatment.
  • Prescription medications.
  • Emergency medical services.
  • Preventive healthcare services.

Note that GHI does not cover cosmetic surgeries or treatments deemed non-essential.

Dependent Family Members’ Coverage Under the foreign national’s GHI, family members can also receive coverage if they meet specific criteria:

  • Spouse.
  • Children under 18 (or 20 if in high school, 25 if in higher education).
  • Disabled children of any age, if unmarried.
  • Dependent parents.

Family members must meet residency and dependency criteria for coverage under GHI.

Termination of GHI Coverage in Turkey GHI coverage ends if:

  • The residence permit expires.
  • The individual is covered under another country’s social security system.
  • Private health insurance is obtained.
  • The individual becomes a dependent under another GHI holder’s policy.

Foreign nationals planning to leave Turkey for an extended period or move permanently should notify SGK to terminate their coverage.

Special Provisions for Foreign Students in Turkey Foreign students can apply for General Health Insurance within three months of their school registration, without the need for a one-year residence period. After this period, students who fail to apply will not be eligible for GHI coverage.

Why Apply for General Health Insurance in Turkey? General Health Insurance offers several benefits for foreigners living in Turkey, such as comprehensive healthcare coverage, access to essential medical treatments, and protection against high medical expenses. The application process is straightforward, and premiums are affordable based on the minimum wage. Additionally, foreign nationals can extend GHI coverage to their dependent family members.

Key Takeaways:

  • Foreign nationals must apply for GHI after one year of residence in Turkey.
  • The application process is completed at SGK offices with required documentation.
  • Monthly premiums are based on Turkey’s gross minimum wage.
  • GHI covers a wide range of medical services, including treatments, prescriptions, and preventive care.
  • Dependent family members can also benefit from the policy.
 

For further details, click here to view the full law.