The amount you pay depends on your age and whether you use the state social security system (GSS) or a private insurance policy.

State Healthcare (GSS / SGK)

If you have lived in Türkiye for more than 1 year with a residence permit, you can join the state social security system.

• Monthly GSS Premium: ₺1,981.62

• Yearly GSS Premium: ₺23,779.44

Benefit: This single payment covers the main applicant, their spouse, and all children under the age of 18 at no extra cost.

Private Health Insurance (1 Year)

If you are applying for a residence permit and are between the ages of 18 and 65, you must have a private insurance policy. These are the average high-end market rates for 2026:

Age Group Yearly Cost (Fixed Average)

Aged 18–25 ₺9,200

Aged 26–35 ₺13,400

Aged 36–45 ₺16,800

Aged 46–55 ₺24,500

Aged 56–65 ₺33,600

Cost for part of a year

• 6 months or less (Visitor/e-Visa): You must have Travel Medical Insurance. The average cost is $65 (approx. ₺2,400) depending on your coverage limits and country of origin.

• Student GSS Rate: International students who register with SGK within their first 3 months pay a reduced monthly rate of ₺660.54.

Cost for more than one year

If your residence permit is for 2 years, you must pay for 2 years of insurance upfront.

• Private Insurance: You must pay for two separate yearly policies. Many providers increase the premium for the second year based on your age transition.

• GSS: You will continue to pay the monthly premium of ₺1,981.62 for as long as you are enrolled.

If you do not have insurance

You cannot complete your residence permit application (e-İkamet) without valid insurance.

• You must enter your insurance policy number, company name, and validity dates into the online form.

• The system performs a real-time check with the insurance database.

• If your insurance information is not verified or has expired, your application will be rejected immediately.

Dependants

• Aged 18 or over: Must have their own individual insurance policy and pay the full amount based on their age group.

• Under 18s: Are not required to have a separate private insurance policy if their parents have valid coverage through the state or a family private plan.

Getting your health insurance

You must obtain your health insurance before you complete your visa or residence permit application.

How to pay for your insurance

• Private Insurance: You can pay by debit or credit card through an authorized insurance provider or agent in Türkiye.

• State Healthcare (GSS): If you are eligible, you pay your monthly premiums through authorized Turkish banks (such as Ziraat Bank, VakıfBank, or Halkbank) using your Foreigner ID Number (Yabancı Kimlik Numarası).

Information you will need

When you purchase your private insurance or register for GSS, you will be asked for:

• your passport details or Foreigner ID Number.

• your intended residence address in Türkiye.

• the start and end dates of your requested stay.

Family members

When you apply for a residence permit, you must provide individual insurance details for each dependant aged 18 or over.

• If you are joining a family member who is already in Türkiye and has state healthcare (SGK), you may be covered under their policy.

• You will need to provide their SGK Activation Document (Provizyon Belgesi) as part of your application.

Completing your application

Once you have paid for your insurance, you will receive your policy details immediately.

1. Enter your policy details You must enter the Insurance Company Name, Policy Number, and Policy Validity Dates into the online e-İkamet or visa application form.

2. Automatic Validation The online application system will automatically check the details you have entered. If the information is correct and your policy meets the minimum requirements, you will be allowed to proceed.

3. Submit your application After your insurance is confirmed by the system, you can proceed to pay your visa or residence permit fee and submit your application. Always keep a printed copy of your insurance policy to bring to your appointment.