In this article, we would like to give you information about some of the terms you will encounter in the process of obtaining medical insurance and other health insurances and the application processes of medical insurance. Because, in this application process, the more prior knowledge you have, the better it will be for you.
How to Get Medical Insurance?
In order to be able to reside in Turkey for student, scientific studies, immigration, work, investment, business establishment and other purposes, it is necessary to apply for a residence permit under all circumstances. There are also some requirements and obligations in order to obtain a residence permit. On April 11, 2014, these requirements and obligations were finalized. According to this legislation, it is obligatory for foreign nationals to have health insurance in order to apply for a residence permit.
So, how do foreign nationals get medical insurance to get a residence permit?
When we say foreign health care insurance, we are talking about one of the health insurances that foreign nationals (those who will reside in Turkey for more than one year) must have.
This type of medical care insurance involves the coverage of outpatient, inpatient, or both of these treatment costs as a medical coverage. This medical care insurance is in the category of private health insurance and in other words, it can be called residence permit health insurance for foreign nationals. You can only have private healthcare services with it. We mentioned above that this insurance is a compulsory type of health insurance so that foreign nationals can obtain a residence permit for whatever reason. But, of course, as in any legislation, there are exceptions to this issue. If you have become a Turkish citizen through dual citizenship, the obligation to have this health insurance is eliminated.
For residences in Turkey that will last less than one year, it is also possible to benefit from insurances such as travel insurance.
Cosy Life obtains information on your behalf about the insurance companies that provide health insurance services, and the conditions of these companies to be insured and to benefit from the insurance. Cosy Life obtains this information directly from insurance companies and informs you about all conditions.
Because, the conditions that each insurance company requires to be covered in order to insure you are different. The first of these conditions is the age restriction. Since the health status of people above a certain average age is not stable, insurance companies apply this age restriction. A medical insurance application of a foreign individual whose age is between the ages of 0-65 is evaluated, that is, this application is accepted. This kind of age restriction is the most common age restriction in practice of insurance companies.
Another exception to the obligation to have medical insurance as a foreigner is to be married to a Turkish citizen. In other words, if the spouse of the person is a Turkish citizen and is registered with the SGK institution, which means that he or she benefits from government health insurance, then foreign nationals do not have to have medical insurance. To get medical care, they can benefit from their spouse’s government health insurance. In such a case, there is no medical insurance cost.
In order to gain a residence permit, one of the first steps to be taken to get private medical insurance is to obtain information from the websites of the companies providing private health insurance services or from one of their agencies closest to you.
However, you don’t have to try to learn about the application details of private health insurance on your own. As Cosy Life, we ensure that you receive complete and accurate information. After obtaining this information, you can complete your private health insurance processes by visiting the closest the medical insurance agent or the medical insurance bureau of the insurance company that you will receive insurance service from.
Cosy Life provides you with inexpensive health insurance offerings…
What Is Medical Insurance?
Medical insurance is the coverage of outpatient or inpatient medical treatments, services and prescribed medication fees, within certain rates, by the insurance company. For this, you need to pay the amount of your insurance policy regularly in one of the monthly or annual periods.
Above, we have mentioned two types of treatment as outpatient and inpatient treatment. Since the medical care applied in these two treatments is different, their insurance coverages are also different, that is, these health insurance coverages are divided into two. In addition, insurance companies have a certain upper limit on the amount of health insurance policies.
What are the medical insurance benefits you will get in outpatient treatment?
- Medical examination
- Medical analyzes
What are the medical insurance benefits you will get in inpatient treatment?
- Costs incurred during hospital stay
- Prosthetic limb expenses
The coverage period offered by health insurances is stated in your insurance policy and this period is one year.
As an Expat, if you will continue to reside in Turkey after one-year period, in this case, you can extend your insurance period, that is, update it.
How to Apply for Medical Insurance?
For medical insurance, you can apply to the closest agency of insurance companies. Cosy Life learns what the necessary documents are for you and enables you to apply for medical insurance at the agency with these documents.
Is Medical Insurance Tax Deductible?
First of all, in order for collateral assurance to be tax deductible, the person must work in Turkey with a work permit.
Private medical insurance fees vary according to insurance companies. The person can pay this insurance fee in monthly periods. In order for this monthly private medical insurance amount to be tax deductible, it must meet certain conditions. These conditions are:
The monthly private health insurance premium amount should not exceed 15% of the monthly gross income.
The monthly private health insurance premium amount should not exceed the minimum wage.
What Is Deductible in Medical Insurance?
If medical insurance is in the collateral insurance category, it is tax deductible medical insurance. This type of coinsurance is called major medical insurance with certain upper and lower limits.
Can Medical Insurance Be Cancelled at Any Time?
You can cancel your medical insurance at any time. There is no waiting period for you to cancel your insurance. Your refund payable will depend entirely on when you cancel your insurance.
In order to cancel your medical insurance, you should apply to the insurance company with a petition. Your insurance policy will be canceled within 2-3 days on average.
Can Medical Insurance Cover Dental?
Dental treatments are not covered by regular medical insurance. However, there are additional dental treatment policy plans and packages that insurance companies can offer you.
Does Medical Insurance Cover Everything?
The general coverage of medical insurance is as follows:
- Physical Therapy After
- Medical Consultancy and Ambulance Services
- Accidental Death Coverage
- Check Up Coverage (If included in the scope of the preferred product)
- Newborn Baby Coverage (Additional Coverage)
- Outpatient Treatment Expenses Under Preferred Policy
- Artificial Limb Coverage
- Auxiliary Medical Equipment
- Minor Intervention
- Pregnancy Follow-up Expenses Under Preferred Policy
- Home Care
- Rehabilitation Expenses Under Preferred Policy
- Intensive care
- Birth Cover (Additional Coverage)
- Accidental Disability Coverage
Does Turkey Have A Good Healthcare System?
Compared to other countries in the world, Turkey has a good healthcare system in terms of providing treatment and medicines. The most important reason for this is that the healthcare system in Turkey provides affordable healthcare services to people.
How Is Health Care Done in Turkey?
Private and public health services constitute the healthcare system in Turkey. In 2003, Universal Health Care applications started to be practiced in Turkey. Health services are covered by a 5% tax surcharge which is paid by employers.
Is Healthcare Free in Turkey?
Healthcare in Turkey is not completely free. Only the health expenses of individuals below the minimum income level, that is, without a source of income, are covered by the state. Apart from that, you must be included in the public healthcare system with a social security registration. With this social security number, a certain percentage of treatment and medicines are covered by the state. These rates differ for employees and retirees.
Medical Insurance for Cosy Life Means Your Trust In Us.
Cosy Life provides you with medical insurance by working as a team and in coordination with international, experienced and expert insurance companies that provide medical insurance, which is obligatory in immigration, work permit, student visa, citizenship and residence permit applications.
As Cosy Life, we are aware that you have made a significant investment for these applications. With this awareness, we know you should to have the best affordable medical insurance coverage and we are working to ensure that you have an affordable medical insurance. The companies we work with prepare the best medical insurance plans for a comprehensive affordable medical coverage that suits you and present them to your approval.
Cosy Life always support you to obtain a low-cost health insurance and manage all your insurance processes.
Cosy Life provides personal assistant service and consulting to its clients for all their health needs with its medical tourism services, including medical insurance and treatments such as hair transplant.
Cosy Life is here for your health.