Private health insurance, offered by many insurance companies, is a comprehensive type of health insurance that is in demand both individually and institutionally. Private health insurance companies have agreements with the best private hospitals in Turkey. You can receive treatment in hospitals where you cannot go and receive treatment with your SGK or Bağkur, with private health insurance.
You can get a private health insurance quote immediately by filling out the form below.
What Does Private Health Insurance Mean?
Private health insurance is a type of health insurance that pays for your inpatient or outpatient treatment expenses in the hospital for a sudden accident, illness or other health problems. Private health insurance is personalized and protects you for the health services you will need for a year. With private health insurance, you can also have the chance to choose the hospital and doctor you want.
What are the advantages of private health insurance?
If you are wondering “What is private health insurance and what is it used for?” you can quickly get information in 7 items. Here are the benefits of private health insurance:
- With private health insurance, you are covered against costly treatments in the event of an illness or accident.
- You can receive healthcare services for 1 year without any limits for inpatient treatments, and up to the limit you determine for outpatient treatments.
- Thanks to private health insurance vaccination coverage, you can get baby, child and adult vaccinations.
- With private health insurance, you can give birth and even insure the costs of incubators, vaccinations and other health expenses for your unborn baby.
- You can also use your private health insurance abroad if you choose the relevant coverage.
- You can have botox, filler and rhinoplasty surgery with private health insurance aesthetic coverage .
- Private health insurance allows you to receive treatment from the doctor of your choice in Turkey’s best private hospitals .
- You can get private health insurance as a company, individual or family.
- Private health insurance also allows you to receive tax relief.
How to Get Private Health Insurance?
Private health insurance policies can be tailored to the needs and budget of the individual. Therefore, it is necessary to have information about the private health insurance products of insurance companies. There are many companies that offer private health insurance services in Turkey and getting an offer from each of them undoubtedly requires time. At this point, we can support you as tamamyicisaglik . How?
You can get a private health insurance quote from our expert insurance consultants and access detailed information on many topics such as coverage, limits, co-payment rate, contracted hospitals, etc. in a few minutes. For this;
- You can call our call center at 0216 368 45 45,
- You can fill out the contact form and ask us to call you,
- You can get an offer immediately by filling out the private health insurance offer form.
How Much Does Private Health Insurance Cost?
Private health insurance prices vary between 10,000 TL and 80,000 TL on average. The reason why the price range is so wide is that there are many factors that determine ÖSS prices. When these factors are brought together, full-coverage private health insurance prices or full health insurance prices become clear.
What Does Private Health Insurance Cover?
Private health insurance coverage consists of inpatient and outpatient treatment coverage. ÖSS coverage inpatient treatment coverage includes surgery, non-surgical treatment, intensive care, chemotherapy, radiotherapy, dialysis treatment and tests, dental treatment after a traffic accident, minor surgery and medical observation treatment, pre-operative/post-operative examination, post-operative physical therapy and rehabilitation, home care and treatment, medical supplies and ambulance services.
Outpatient treatment coverage within the scope of private health insurance covers doctor’s examination, medication, physical therapy, x-ray, laboratory tests and advanced diagnostic methods. Some services are also provided free of charge within the scope of ÖSS additional coverage. You can benefit from additional services such as check-up, mammography, PSA, dental care package and online doctor.
Up to what age is Private Health Insurance insured?
The upper age limit for private health insurance varies by insurance company. You can find information about the private health insurance age limit according to insurance companies in our table. The upper age limit specified in the table is a rule valid for those who will purchase a health policy for the first time.
| Insurance company | Upper Entry Age Limit | Minimum Entry Age Limit for Single Child |
|---|---|---|
| Bupa Acıbadem Insurance | 60 years old | Children between the ages of 0-17 can be insured alone. |
| Allianz Insurance | 64 years old | Children between the ages of 6 and 17 can be insured alone. |
| Anatolia Insurance | 64 years old | Children between the ages of 0-17 can be insured alone. |
| Axa Insurance | 59 years old | Children under 18 years of age are insured with their parents. |
| Türkiye Insurance | 55 years old | Children between the ages of 6 and 17 can be insured alone. |
Table date: 11.06.2024 – Table comparing private health insurance age limits and insurance companies that provide child care alone. For up-to-date and detailed information, please review the subject with an insurance consultant.
In Which Hospitals Is Private Health Insurance Valid?
Private health insurance contracted hospitals are one of the most important parts of your health policy. The hospital you regularly go to or choose for treatment must have a contract with your insurance company. If you are wondering where private health insurance is valid, you can review it in detail on our ” Contracted Healthcare Institutions ” page.
Which companies provide private health insurance?
You can click on the names in the list to see the inpatient and outpatient treatment coverage limits of the insurance companies within the scope of private health insurance and to examine the free health services they offer:
- Ak Private Health Insurance
- Allianz Private Health Insurance
- Anatolian Private Health Insurance
- Axa Private Health Insurance
- Bupa Acıbadem Private Health Insurance
- Demir Private Health Insurance
- Mapfre Private Health Insurance
- Ray Private Health Insurance
- Türkiye Private Health Insurance
Frequently Asked Questions About Private Health Insurance Coverage
Does Private Health Insurance Provide Psychologist Support?
There is no psychiatrist or psychologist support under private health insurance. However, some insurance companies may add “additional coverage” as psychological counseling service under the policy. These additional coverages are limited to only 1 examination. If you continue to receive psychological support after the first examination, the full treatment will not be covered, but you can receive your treatment with a 20% discount .
Does Private Health Insurance Provide Psychiatric Support?
Psychiatry is not covered by private health insurance, in other words, it does not provide support in the psychiatry branch.
What Private Health Insurance Companies Provide Psychiatric and Psychologist Support?
BupaAcıbadem Insurance, AK Insurance, Allianz Insurance, Anadolu Insurance, AXA Insurance, Demir Health Insurance, Groupama Insurance, Mapfre Insurance, Ray Insurance and Türkiye Insurance are among the companies that provide private health insurance. Each has different policies and additional coverage. You can reach all the details about insurance companies that provide psychologist support by clicking on the link.
Can Psychiatry and Psychologist Sessions Be Covered by Private Health Insurance?
Private health insurance does not cover congenital or past illnesses, as well as psychiatric and psychologist examinations. All expenses related to examinations, neuropsychiatric tests and complications of psychiatric and psychological disorders are not covered by private health insurance. For situations not covered, you can read the special conditions of the insurance company you are interested in and access detailed information.
Is Private Health Insurance Valid in Emergency Services?
If there is a health problem listed as an emergency by the World Health Organization, private health insurance is also valid in emergencies. Normally, there are waiting periods defined for certain diseases in the policy coverage, but in the event of an emergency, this period is not observed and the patient’s treatment is started quickly.
If there is no danger to life and the waiting period has not yet expired, private health insurance will not be valid in the emergency department. In other words, all conditions listed by the WHO are “life-threatening” conditions and are covered by private health insurance.
Is Private Health Insurance Valid in State Hospitals?
Private health insurance is not valid in state institutions and organizations. Private health insurance is only valid in contracted health institutions and contracted private hospitals specified in the policy.
Is Private Health Insurance Valid in Private Hospitals?
Private health insurance is valid in private hospitals. Private health insurance is valid in all institutions and organizations that belong to the hospital network preferred when purchasing the policy.
Does Private Health Insurance Cover Private Examination Fees?
Private health insurance covers the private examination fee. Private health insurance has agreements with doctors and also private practices of doctors, so it is possible to benefit from health insurance. The examination fee is included in the scope of private health insurance within the payment rates and limits specified in the policy.
Does Private Health Insurance Cover Medicine?
Medicines required for the insured’s treatment are covered under both inpatient and outpatient treatment coverage. However, medicines not approved by the Ministry of Health are not covered by the insurance.
Does Private Health Insurance Cover Serum?
Serum costs are covered within the coverage and limits of your private health insurance.
Does Private Health Insurance Cover Circumcision?
Circumcision is not covered by private health insurance. Circumcision surgery is one of the situations that are not covered, even if it is for a medical reason.
Does Private Health Insurance Cover Abortion?
Private health insurance does not provide coverage for elective surgeries and complications that arise as a result of these surgeries. In other words, elective surgeries such as abortion are not covered by ÖSS.
Does Private Health Insurance Cover Laser Eye Surgery?
Private health insurance does not cover laser eye surgery; the costs are considered outside the scope of insurance.
Does Private Health Insurance Cover Eye Exams?
This situation varies; if there is a past illness and the need for treatment has arisen, it is not covered by private health insurance. However, if the eye disease occurred after the policy start date, eye examination is covered by private health insurance.
Does Private Health Insurance Cover Eye Surgery?
In order for private health insurance to cover the costs, the disease requiring eye surgery must occur after the start of the policy. Surgeries resulting from an illness that occurred before the start date of the policy are not considered within the scope of ÖSS.
Does Private Health Insurance Cover Eyebrow Implants?
Eye surgery to treat vision defects is not covered by private health insurance.
Does Private Health Insurance Cover Contact Lenses?
Expenses such as glasses, spectacle lenses, contact lenses or lens solutions are covered provided that “Glasses and Lens Coverage” is added to the insurance coverage.
Does Private Health Insurance Cover Glasses?
Provided that “Glasses and Lens Coverage” is added to the private health insurance coverage, the cost of glasses that the insured will use on a regular basis will be covered by the insurance company. However, if there is no glasses coverage in the policy, the expenses will not be paid by the insurance company.
Does Private Health Insurance Cover Laser Hair Removal?
Private health insurance does not cover laser hair removal.
Does Private Health Insurance Cover Breast Reduction?
Aesthetic surgeries such as breast reduction or breast augmentation are not covered by private health insurance policies.
Does Private Health Insurance Cover IUD?
The IUD, which is one of the protection methods, is not a procedure whose costs are covered by private health insurance. It is included in the list of cases not covered.
Does Private Health Insurance Cover the Medical Report?
The medical report is not covered by the private health insurance policy and is considered out of coverage.
Does Private Health Insurance Cover IVF?
IVF treatment costs are not covered by private health insurance.
Does Private Health Insurance Cover Gastric Sleeve Surgery?
Gastric sleeve surgery is not covered by private health insurance.
Does Private Health Insurance Cover Sleep Apnea Treatment?
Tests and treatments for conditions such as sleep disorders, sleep apnea or snoring are not covered by private insurance.
Does Private Health Insurance Cover a Detailed Ultrasound?
Private health insurance covers tests such as ultrasound and detailed ultrasound. However, special conditions in the policy apply to these.
Does Private Health Insurance Cover Varicose Vein Treatment?
If varicose veins occur after the policy start date, treatment costs may be covered by the insurance company. However, superficial varicose vein treatments (such as chemical blockage, foam and sclerosing-laser treatments) are not covered.
What Does Private Health Insurance Not Cover?
Some of the situations that are outside the scope of ÖSS are;
- Any medical expenses related to existing illnesses/diseases that existed before the policy start date are not covered.
- Congenital diseases, genetic diseases, existing disabilities and their complications, all kinds of spinal curvatures, and diagnosis, treatment and control expenses related to obesity are not covered.
- Private health insurance does not cover expenses such as dieticians, body/mass measurement tests, body fat percentage determination tests, and food intolerance tests.
- Private health insurance excludes all expenses related to examinations, neuropsychiatric tests and complications of psychiatric and psychological disorders.
- Private health insurance does not cover circumcision and phimosis treatment expenses.
- Expenses related to aesthetic and cosmetic treatments, surgeries, check-ups and complications are not covered by private health insurance.
- Private health insurance excludes from its coverage all kinds of examination, medicine, material and treatment expenses related to eye diseases such as refractive errors, squint, strabismus and amblyopia.
Stay healthy.