Turkey places a strong emphasis on ensuring accessible and quality healthcare for its citizens and residents. A key component of the healthcare system in Turkey is the provision of health insurance. With a combination of public and private insurance options, Turkey has made significant strides in achieving universal health coverage. In this article, we will explore the health insurance landscape in Turkey, including the types of insurance available, the benefits and coverage they offer, and the steps taken to ensure healthcare affordability and accessibility.
Public Health Insurance
Social Security Institution (SGK)
The Social Security Institution (SGK) is the primary provider of public health insurance in Turkey. It covers the majority of the population, including employees, self-employed individuals, and their dependents. SGK offers comprehensive coverage for a wide range of healthcare services, including hospital care, outpatient treatments, prescription medications, and preventive care. Contributions to SGK are deducted from employees’ salaries and shared between the employer and employee.
Universal Health Insurance (Genel Sağlık Sigortası – GSS)
Universal Health Insurance, also known as GSS, aims to provide coverage for individuals who do not fall under the SGK system. This includes individuals who are not employed, retirees, students, and others who are not eligible for other forms of public health insurance. GSS offers access to essential healthcare services, albeit with different contribution rates depending on income levels.
Private Health Insurance
Voluntary Private Health Insurance
Private health insurance supplements the coverage provided by public health insurance in Turkey. It offers individuals the opportunity to access additional benefits and services beyond what is covered by the public system. Voluntary private health insurance policies are available from various insurance companies and can be tailored to individual needs and preferences. These policies often provide enhanced coverage for services such as dental care, alternative medicine, and specialized treatments.
Employer-Sponsored Private Health Insurance
Many employers in Turkey offer private health insurance as part of their employee benefits package. This employer-sponsored insurance provides additional coverage and benefits to employees and their dependents. It may include services such as extended hospital stays, access to a broader network of healthcare providers, and coverage for elective treatments. Employer-sponsored private health insurance can help attract and retain talent while providing employees with enhanced healthcare options.
Benefits and Coverage
Health insurance in Turkey covers a wide range of primary healthcare services, including consultations with general practitioners, specialist visits, diagnostic tests, and preventive care. These services are accessible to insured individuals without significant out-of-pocket expenses.
Health insurance provides coverage for hospital care, including inpatient treatments, surgeries, and emergency services. Insured individuals can access medical care in public hospitals, private hospitals, or contracted healthcare facilities. The coverage includes expenses related to hospital stays, surgeries, medical procedures, and prescribed medications.
Health insurance in Turkey includes coverage for prescription medications, ensuring that insured individuals have access to essential drugs. Medications prescribed by healthcare professionals within the approved formulary are typically covered, with varying levels of cost-sharing.
Healthcare Affordability and Accessibility
Income-Based Contribution Schemes
To ensure healthcare affordability, Turkey has implemented income-based contribution schemes for health insurance. The contribution amounts are determined based on income levels, allowing individuals to access healthcare services at rates proportionate to their income. This approach helps mitigate financial barriers and ensures that healthcare remains accessible for all segments of society.
Primary Healthcare Centers and Family Medicine
Turkey has established a network of primary healthcare centers and family medicine practices to enhance the accessibility of healthcare services. These centers provide comprehensive and coordinated care, including preventive services, basic diagnostics, and treatment of common ailments. The emphasis on primary care helps promote early detection and management of health conditions, reducing the burden on hospitals and specialized services.
Digital Transformation of Healthcare
Turkey has invested in digital healthcare infrastructure, including electronic health records and telemedicine services. These advancements facilitate efficient healthcare delivery, remote consultations, and electronic prescriptions. The digital transformation of healthcare enhances accessibility, especially for individuals in remote areas and improves the overall patient experience.
Health insurance in Turkey plays a vital role in ensuring accessible and comprehensive healthcare for its citizens and residents. The combination of public and private insurance options, along with income-based contribution schemes, contributes to the country’s goal of achieving universal health coverage. Through a robust healthcare system, including primary care centers, hospital services, and a focus on affordability and accessibility, Turkey demonstrates its commitment to the well-being of its population.
Azkan Group can support you in your Employer of Record (EOR) and payroll requests (also called Umbrella Company) in Turkey. We can manage your HR requests even if you don’t have a legal entity in Turkey.