Health insurance in Istanbul – details, and information

We focus on health insurance in Istanbul because it is the most attractive state for foreigners, which has more than 45% of the total number of foreigners staying in Turkey. also, the details of obtaining health insurance and the rest of the procedures for extracting residence in Istanbul are very important for foreigners as well.

Health insurance in Istanbul - general information

You must know that health insurance is an integrated service system and cooperation between members of society in order to obtain equal health services for members of society and residents in Istanbul

Definition of health insurance

Health insurance is a type of insurance against emergency risks or unstable health conditions and includes the costs of medical examination, diagnosis, and treatment in hospitals that recognize the health insurance, and government hospitals in Istanbul often recognize the health insurance.

Health insurance principle

Health insurance in Istanbul is based on the principle of collecting money from individuals and distributing health care to all those who subscribed and receive the insurance service, which certainly leads to covering the various treatment costs, and the medical care will reach those in need.

Health insurance elements

Health insurance in Istanbul is based on the following elements: 

-insurance contract

It is the contract concluded between the insurance company and the beneficiary. In many cases, normally a third party enters, the “mediator” who acts as the agent of the insurance service provider.

The contract shows the amount of insurance deducted from the beneficiary, which is a fixed value paid annually for foreigners staying in Istanbul, as well as the duration of the contract, which must be written.

-Services covered by insurance

It includes the services that the beneficiary can obtain, which usually includes treatment, examination procedures, and medical diagnosis. The nature of the health insurance coverage varies according to its type and the company that provides it.

Often the health insurance for residency in Istanbul covers small costs because of the small amount paid, but if you need more comprehensive insurance that covers more services, you must clarify this in advance so the employee will extract it for you, but of course, the price of this type of insurance will cost more than the regular insurance.

The insurance provider

  These are the government medical centers and state hospitals "public hospitals", as well as some private hospitals that provide health insurance services.

As for the insurance needed for Istanbul residency, it includes public hospitals only.

Do I need health insurance in Istanbul?

being in Istanbul, whether as a foreign tourist for a limited period or as a resident for one or two years or more, you need to obtain appropriate health insurance, as Turkish law requires foreigners to obtain the minimum insurance when they stay in Turkey, which certainly includes foreign resident in Istanbul.

Steps to extract health insurance in Istanbul

Here we are talking about the simplest type of health insurance, which is needed to obtain a short-term residence in Istanbul, by following these steps.

Preparing the necessary papers to obtain insurance

Getting health insurance in Istanbul does not require many papers, your "passport" is enough for you to obtain 

 the health insurance, you do not need to copy, translate, or even notary attestation.

The time frame required for health insurance

You must specify how much time you want your health insurance to cover. 

In Istanbul, health insurance is given to foreigners in order to obtain a residency permit for a period of one or two years

 kindly note that the duration of the health insurance must cover the time you request to stay, for example, if you request a residence permit in Istanbul for two years, your health insurance period must not be less than two years.

Also, for your information, the price of health insurance for two years is double the price of health insurance for one year

Head to one of Al-Fanar’s branches in Istanbul

Visit one of our company branches and give your passport to the employee to take your personal data needed to obtain health insurance and  inform him of the period you want “one or two years”

Then pay the cost of your health insurance and will receive your insurance policy along with the card.

Al-Fanar for Insurance and Residences in Istanbul has three branches to serve you:

1-The main branch is in Fatih 

2-Esenyurt branch

3-Levent Branch

In a later paragraph of this article, we will talk about the services we provide regarding extracting health insurance for foreigners in Istanbul

Who is exempt from having health insurance?

Health insurance is not required for Istanbul residency for:

-Children under the age of 18 years old  

-Adults aged over 65 years old

The price of health insurance in Istanbul

When we talk about health insurance prices provided by health insurance companies, especially "Al-Fanar", you must pay attention to the factors related to the price, then the method of payment, and finally, you must learn the prices for health insurance in Turkey and then check the discounts offered by Al-Fanar 

You will find all these details in the following paragraphs:

Factors affecting the price of health insurance

 the price of health insurance is affected by:

- Duration of health insurance

The longer the health insurance period, the higher the price, in general, the price of insurance for one year is equal to half the price of the insurance for two years

 - Age of the applicant for health insurance

The amount paid for insurance increases with aging.

Methods of paying for health insurance in Istanbul

  You can pay the health insurance at Al-Fanar in one of two ways:

- Direct payment "cash".

 - Bank transfer

List of health insurance prices in Istanbul

 The following is a list of health insurance prices in Istanbul in Turkish lira with the discounts offered by Al-Fanar, especially for its customers.

One year insurance: 

Two years incurrence: 

Benefits of health insurance for foreigners in Istanbul

Foreigners in Istanbul benefit from many advantages when obtaining health insurance:

-Insurance is mandatory for obtaining a residency permit in Istanbul.

-Providing health care to foreigners and their families.

-covering treatment costs in public hospitals and some simple medical examinations.

-Health insurance is considered a form of cooperation between community members and foreign residents to distribute the costs of medical and health care.

-Protect the foreign residents in Istanbul from the lack of medical care or disability of paying some medical costs.

-Improve the level of health services provided by the government by securing continuous financial resources

-Encourage the diversity of financial resources for health services

-Health insurance is a guarantee of a safe trip or residence in Istanbul.

Al-Fanar for Health Insurance Services in Istanbul

When you visit one of our branches, you will get the following services:

-Guaranteed and warranted health insurance

Quick extraction of insurance within two minutes-

- We provide the best health insurance offers in Istanbul with competitive and convenient prices

- The possibility to extract lost insurance replacement 

- We offer special discounts to agents

- All consulting services are free of charge

- Follow up on all procedures for obtaining a residency permit.

To receive the latest information on insurance and residences, always be in contact with Al-Fanar for Insurance and Residences in Turkey. it is our pleasure to answer your inquiries and be at your services, where we always looking for your satisfaction, and we are always happy to receive your comments and take them into consideration.