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Health Insurance for Foreigners in Turkey

Getting your compulsory Turkish health insurance
is as "Easy as 1, 2, 3!"

Turkish Residence Permit Health Insurance -

It is now mandatory for foreigners from specific countries to have valid health insurance. Foreigners can purchase Groupama Sigorta's new product; "FIT - Foreigners in Turkey" Online - See below

  STEP 1
  Get your instant
  online quote; here;

» Online Quote for Residence Permit Health Insurance

  If your happy with the   quote, select "Submit   to Groupama Sigorta"

  STEP 2
  Receive official   Groupama
  Insurance proposal &   Full Coverage info +   Health declaration   form from Groupama   Sigorta.

  Please print   documents & check.   

   If you are satisfied   with the policy   coverage & price,
  sign & email back to   Groupama Sigorta.

  STEP 3
  Make payment for   your policy (either by   credit card or bank   transfer) & Groupama   Sigorta will send your
  Full Insurance   documents by both   mail + post.   (Documents provided   in English & Turkish)

  Payments can be spread over 9   months when paying with a   Turkish credit card

- Meets legal requirements and is accepted by the Immigration department in Turkey
- Policy coverage is for those between 0-65 years old
- All documents are issued directly from Groupama Sigorta Head office, Istanbul
- All documents are issued in both English & Turkish language
- Full support from English speaking Groupama Sigorta staff
- Documents are sent by both email & post
- Documents can be issued same day for emergency policies
- Prices are set by Groupama Sigorta
- Payments can be made by bank transfer or credit card
- Documents can be dispatched to any where in Turkey

Do you need legal assistance with your Turkish residence permit application?
» Contact YellAli has partnered with Groupama Sigorta - Read more about our partnership » here.

Tags: Health

YellAli has developed and integrated a health insurance calculator tool allowing foreigners in Turkey to obtain an instant online quote for their health insurance needs.

Foreigners are connected directly to Groupama Sigorta, one of the largest health insurance providers in Turkey, who will then assist them in the English language.

More about FIT 'Foreigners in Turkey' can be seen here;

see » Instant Online Health Insurance Quotation Calculator

The online service includes:

• A free online tool which enables YellAli's users to get a no obligation quote immediately for health insurance with Groupama

• The ability for users to purchase the Groupama policy directly and make payment with either a Turkish or foreign credit card. New customers can also if paying by a Turkish credit card pay in instalments (over a 9 month period)

• Direct online contact and support from Groupama in English

• Immediate cover

• All insurance documentation in English and Turkish required to support foreigners when applying for their residence permit.

Tags: Health

Frequently Asked Questions

About FIT – Groupama Health Insurance
For Foreigners in Turkey

Is Health insurance compulsory for Foreign residents in Turkey?

With the new law that went into force in April 2014 obtaining a Turkish residence permit requires a proof of health insurance covering inpatient and outpatient treatments. Emergency care insurance is not accepted. If you do have a foreign health insurance policy for health cares in Turkey that extends beyond emergency care, you must get the documentation of your plan translated into Turkish and notarized. If you do not have any insurance, you must buy a policy in Turkey.

To obtain an instant online quotation for private health insurance please see;

» Instant Online Quote Health Insurance

What are the coverages covered by FIT Insurance ?

In the table below, you may find the coverages :


contracted healthcare institutions. For more details :


What is the age limit of FIT Insurance ?

The Groupama Sigorta FIT product is available to customers up to age of 65. New customers who join at 65 years old can remain with Groupama Sigorta as a permanent renewal.

Does this FIT insurance meet the minimum requirements for residency permits?

FIT insurance is totally compliant for Residence Permit requirements for you and your family. Besides, covering the minimum requirements, it offers several advantages :

§ In case of an illness or an accident , expenses for inpatient and outpatient cares are covered
§ Valid in all private health institutions
§ No insured’s contribution in contracted institutions for inpatient cares .
§ 24/7 Health Assistance
§ Affordable premium, payment with Turkish or Foreign Credit card.

What does the Domestic Emergency Assistance Service cover?

Domestic emergency assistance includes transportation to the nearest hospital or health institution by land ambulance (or scheduled flight). The assistance company arranges organization and pay for the fees of land ambulance and for air ambulance in the limit of medical treatment.

How is the premium determinated ?

The insurance premium is calculated based on the standard tariff premiums as established for the age, the gender and the chosen plan by taking into account the criteria of loss/premium ratio of the insured, current disease risks of the insured and list of contracted institutions for health insurance for foreigners being in effect for the policy.

For any disease/disorder of the insured, additional premium for disease within the range of 5 to 50% per disease can be applied.

What are the payment facilities ?

You can spread the cost of your annual private health insurance policy when you purchase Groupama Sigorta's FIT health Insurance online.

When you purchase online , your premium can b e paid over a period of 9 months. 9 months annuity *

YKB -­‐ World
* Garanti Bank. -­‐ Bonus
* İş Bank. -­‐ Maximum
* Akbank -­‐ Axess
* Bank Asya – Asya Kart
* Halkbank -­‐ Paraf Kart
* HSBC – Advantage

When  Can  I  benefit  from  the  coverages?

Expenses   incurred   for   outpatient   diagnosis,   outpatient   treatment,   minor   procedure,   surgical   and   inpatient  diagnosis  and  treatment  of  the  following  diseases  and  complications  are  excluded  from  the   coverage  for  12  months  following  the  date  of  being  insured  b y  Groupama  Sigorta  first  time  ever,   except  for  the  cost  of  the  physician’s  initial  examination:  

Cardiac,  Cancer,  Organ  Transplantation  and  Organ  Failure,  Adhesiolysis,  Chronic  Diseases  (Diabetes,   Hypertension,   COPD,   MS,   etc.),   Hernias,   Hemorrhoid   /   Anal   Fistula,   Anal   Fissure   /   Anal   Abscess,   Perianal   Abscess,   Bartholin’s   Abscess/Cyst,   Breast   Diseases,   Tonsillitis,   Adenoid,   Thyroid   Gland   Diseases/Goiter,  Otitis  Media,  Cataract,  Glaucoma  and  Retinal  Diseases,  Disc  Diseases  (Discopathy),   Gall   Bladder   and   Bili ary   Track   Diseases,   Urinary   System   Stone,   Ovary   Cyst,   Myoma   and   Prostate   Diseases,  Sinus  Pilonidalisis,  any  benign  tumor   -­‐ Mass   -­‐ Polyp   -­‐ Lipoma   -­‐ Nevus  Wart  (Verruca),  Cyst,   Carpal   Tunnel   Syndrome,   Ulnar   Tunnel   Syndrome,   Varicose,   Coxarthrosis,   gastroesop hagial   reflux,   peptic   ulcer,   auto -­‐ sclerosis,   endometriosis,   endometrioma,   sinusitis,   hygroma,   stress   incontinence,   cystorectocele,  shoulder  and  knee  surgery  (meniscus,  cartilage,  synovia  and  ligament  lesions,  etc.).  

Which  hospitals  are  contracted  ones?

The  list  of  healthcare  institutions  contracted  for  health  ınsurance  provided  to  foreigners  can  be  find   by  following  the  link  :  


by  choosing   “ Health  Insurance  for  Foreign  Nationals ” as  type  of  network. What  if  I  go  to  a  non -­‐ contracted  hospital  or  health  institution..?

If   you   choose   to   go   to   a   non -­‐ contracted   hospital   or   health   institution,   the   limit   of   the   coverage   regarding   your   treatment   is   not   the   same   as   in   the   contracted   hospitals.   As   for   example,   in   a   contracted  hospital,  the  insured  will  pay  no  contribution  for  inpatient  treatment.  But  if  he  chooses  a   non-­‐contracted  hospital,  he  must  pay  %20  of  the  total  treatment  amount.

What  should  I  do  to  get  FIT  insurance?

Follow the online steps » here:- (You are buying direct from Groupama Sigorta, no agent or broker)


If  I  have  any  problem  or  question  that  arises  (eg:  when  visiting  a  doctor/  payment  inquiries)  who   do  I  call?  

For  any  concern  you  can  reach  Groupama  Medical  Customer  Services  on  0850  250  50  50 or  by  mail  at

Tags: None

Compulsory Earthquake Insurance Coverage

TCIP indemnifies the material damages - which are caused by earthquakes and the fires, explosions, tsunami and landslide that are caused directly by the earthquake within the limits stated in your policy.

The building parts - which are mentioned below - are covered collectively or separately:

Main walls,
Common walls separating the independent sections,
Garden walls
Retaining walls
Ceilings and basements
Supplementary sections of the building which have similar qualities to those mentioned above

Incidents That Are Not Covered by CEI

Compulsory Earthquake Insurance indemnifies the material damages in your building that are caused by earthquakes.

The losses which occur due to the following incidents are not covered:

Debris removal costs
Loss of profit
Business interruption
Loss of rent
Alternative residence and workplace costs
Financial liabilities and similar other losses which can be claimed
All kinds of movable properties, goods, etc.
All bodily injuries and death
Non-material damages
Losses which are not caused by the earthquake.
Independently of the earthquake, damages which occur in time due to the flawed structure of the building

You can choose different homeowners policies for this type of losses in addition to your Compulsory Earthquake Insurance. Maximum Sum Insured

With Compulsory Earthquake Insurance, TCIP aims at providing the insureds with the opportunity to go on with their lives after earthquake.

Expressing that "Earthquake will pass, and life will go on", TCIP provides maximum amount of insurance which is determined every year as per the increase in the construction costs. Maximum sum insured amount given by TCIP is 160 thousand TL for all building types as of 1 January 2016.

While determining the sum insured amount, the re-building costs of the damaged building (excluding the land value) are taken into consideration. The indemnity amount of the insured is determined according to the size and the building style of the dwellings on condition that it does not exceed the maximum sum insured.

In the event that the building's value exceeds the maximum sum insured given by TCIP, the insured person can receive additional cover from the insurance companies for the exces amount. You need to have a homeowners insurance policy provided by private insurance companies. Buildings Covered By CEI

In a general, Compulsory Earthquake Insurance is an insurance system that is developed for the residential buildings which are within the municipality's borders.

Pursuant to Disaster Insurances Law no. 6305, the following buildings are covered:

Buildings which are constructed as residential and registered in the land registry office under private ownership.
Independent sections that are in the scope of Property Ownership Law no. 634
Independent sections in these residential buildings which are used for business office, bureau and similar purposes
Dwellings which are built by the state or with the loan given due to the natural disasters

Buildings Which Are Not Covered By CEI

Building types that are not covered by Compulsory Earthquake Insurance are as follows:

Buildings which belong to public institutions and organizations
Buildings which are built in the villages
Buildings which are fully used for commercial and industrial purposes (Office Block / Business Center / Administrative Service / Training Center, etc.)
Buildings whose construction is still incomplete
Buildings constructed wihtout engineering principals
Building whose main bearing structure has been weakened
Buildings bearing structures designed and constructed against the building codes
Buildings required to be demolihed by the public offices and those with insufficient quality for living and obsolote condition.

You can acquire Voluntary Earthquake Insurance for buildings which are not covered by CEI.

The village residences are not covered by the insurance due to the fact that general income level is very low, that no inspections are conducted on the buildings and that it is inconvinient to acquire the insurance.

However, it is possible to obtain Voluntary Earthquake Insurance, if desired, for buildings in village residential areas.

Similarly, it is possible to obtain Voluntary Earthquake Insurance for buildings that are used for commercial and industrial purposes through private insurance companies

Natural Disaster Insurance Institution (TCIP)

Tags: Expat advice, Insurance