Private Health Insurance

Private health insurance pays for medical costs during the policy period — such as doctor visits, medicines, imaging, tests and surgery — within the general and special conditions of the policy. Depending on the plan it covers inpatient and outpatient treatment and may include emergency care, ambulance services, assistance options and check-ups.

The plans we offer come in several families, from inpatient-only cover to plans that include outpatient treatment, with or without cover abroad and with standard or more economical (“eko”) provider networks. Examples include:

• Sağlığım Kristal family: inpatient treatment at contracted providers, with options with or without cover abroad
• Sağlığım Altın family: inpatient treatment plus outpatient treatment within annual limits or unlimited, depending on the plan
• Sağlığım Platin family: inpatient and extensive outpatient cover, with options including cover abroad

Coverage percentages, limits and networks differ between plans; we explain the differences and prepare a quote for the plan that suits you.

• Inpatient treatment: in all plans, covered 100% and without an annual limit at contracted providers, within the policy conditions.
• Outpatient treatment: not included in the Kristal plans; 80% with an annual limit in Sağlığım Altın; 80% without a limit in Sağlığım Platin Ekstra; 100% without a limit in the “Süper” Altın and Platin plans.
• Cover abroad: inpatient cover abroad in Sağlığım Kristal, Altın and Platin Ekstra; higher or outpatient-and-inpatient cover abroad in the “Süper” plans; none in the “Eko” plans.
• Eko plans: the same logic with a narrower (“eko”) network of contracted providers and a lower price.

Detailed plan conditions and policy documents are available in Turkish on our Turkish private health insurance page.