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International health insurance in Turkey

Health insurance for expats & foreigners

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Access any clinic

Skip wait times, get the best care.

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Visa-compliant coverage

Documents available instantly.

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On 2500+ reviews

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Why get private health insurance in Turkey?

Turkey offers strong healthcare, with 30+ JCI-accredited hospitals, but only 2.1 doctors per 1,000 (below the OECD average of 3.9). Accessing Social Security (voluntary SGK) as a foreigner requires 1 full year of continuous legal residence before anything kicks in.

Without cover, a private GP visit runs TRY 500–1,500, and a hospital stay can cost TRY 7,600–19,000+ per day.

Plus, all Turkish residence permits require compliant private insurance.

How does the healthcare system work in Turkey?

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SGK & GSS: Turkey's public health insurance

Turkey's public GSS (administered by SGK) covers GP visits, hospital care, prescriptions, and maternity care for insured residents. Employed expats enroll from day one; others wait 1 year before voluntary SGK (~TRY 6,241/month). State ER is free for all. JCI private hospitals in Istanbul offer English-speaking care.

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Turkish pharmacies & medication

Eczane pharmacies are on virtually every street in cities. English is widely understood in Istanbul, Ankara, Antalya, and İzmir; Turkish only in smaller towns. Rotating 24-hour duty pharmacies (Nöbetçi Eczane) are located in every district. Online sales are illegal. SGK applies a 20% co-pay on prescriptions (10% for retirees).

Emergency services in Turkey

Emergency services in Turkey

Dial 112 for all emergencies (ambulance, fire, police); free 24/7 nationwide. Call centers offer English, Arabic, German, and Russian, as well as Turkish. Response is fast in major cities; in rural areas, it is slower. State hospital ER is free by law for everyone. Private hospital ERs may charge — bring proof of insurance.

Who needs expat health insurance?

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Digital nomads

Turkey's Digital Nomad Permit (Oct 2024, ages 21–55, $3,000+/mo) needs YSS insurance. SGK opens only after 12 months — a portable international plan is essential.

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Retirees

Short-Term Residence or Citizenship by Investment ($400K property) are main routes. Voluntary SGK after 1 year (~€164/mo) excludes pre-existing conditions forever.

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Families

English-speaking pediatricians are reliable at private hospitals in Istanbul, Ankara and Antalya. Private maternity runs $2,500–3,700; SGK is free after 1 year.

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Gap year & job seekers

Short-Term Residence requires uninterrupted YSS-compliant insurance. From 2025, if your policy lapses, your insurer must notify DGMM within 5 days.

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Students

Students can apply for GSS within 3 months of enrollment at ~TRY 1,040/month (~€27). Miss that window and you wait the standard 1 year for voluntary SGK.

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Visa applicants

YSS-compliant cover from a Turkish-licensed insurer is mandatory for every permit. From April 2025, minimums: outpatient TRY 15,000; inpatient TRY 150,000.

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Plans from €56/month. Set up online in minutes.

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How much is health insurance in Turkey?

Without insurance, a private GP visit costs TRY 500–1,500 (~€13–40), a specialist around TRY 1,500, and a private hospital day costs TRY 7,600–19,000 (~€200–500). Premium hospitals can exceed TRY 45,000/day. TRY values shift with inflation — reverify quarterly.

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Public healthcare in Turkey

Employees contribute 14% of gross wages to SGK (employers 20.75%) for immediate coverage. Self-employed pay ~34.5%. Everyone else waits 1 year before voluntary GSS at ~TRY 6,241/month (~€164). Students fast-track within 3 months at ~TRY 1,040/month.

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Private medical insurance

Feather's plans start at around €50/month for basic inpatient cover and go up to €250+/month for comprehensive plans with dental, mental health and maternity. Pre-existing conditions are excluded from voluntary SGK forever, so international cover is strongly recommended."

Visa & health insurance requirements for Turkey

Long-stay visas and residence permits require proof of private health insurance. Your policy needs to cover at least €30,000 in medical expenses and include medical repatriation.

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Visa

Accepted for all major Turkish visas

Golden Visa, Digital Nomad Visa, FIP visa, student visas, and residence permits — both Feather plans meet the requirements.

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Documents ready when you sign up

All your documents (proof of coverage, English) instantly in your account. Accepted by embassies.

How does Feather's international health insurance work?

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Choose your plan

Compare Essential and Plus, pick your deductible, and sign up in under 5 minutes. No paperwork, no medical exams.

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Get your documents instantly

Your confirmation and visa-ready proof-of-coverage documents land in your account straight away.

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Visit any doctor

See any licensed doctor, specialist, or hospital in Greece. No referrals, no network restrictions, no pre-approval.

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Upload your bill in the app

Already paid? Open the Feather app, snap a photo of your invoice, and submit your claim in under a minute.

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Get reimbursed to your account

We review your claim and reimburse you directly to your bank account. Most claims are processed within two weeks.

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Cancel anytime after year one

There's a one-year minimum term. After that, cancel whenever you want. No penalties.

Join 200,000+ expats covered with Feather

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Why choose Feather?

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200,000+ happy customers

Experience insurance crafted by expats, for expats.

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100,000+ claims processed

Paid out in three weeks on average.

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4.8 Star rating

On over 2,500 reviews.

Languages

English-speaking support

Our team speaks your language.

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All digital

Sign up, file claims, and manage your policy in our app.

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Privacy first

Your data is stored securely in Europe.

Frequently asked questions

See our FAQ page for more answers.

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Takes 2 minutes. From €56 per month. 4.8/5 rated on over 2,500 reviews.

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