Studying in Turkey is more than just a chance to earn a degree—it’s an opportunity to immerse yourself in a country that bridges two continents, cultures, and histories. From Istanbul’s buzzing streets to Cappadocia’s surreal landscapes, Turkey offers experiences that are hard to find elsewhere.
But before you settle into classes and weekend trips, there’s one step you can’t skip: health insurance.
It’s not just a formality. It’s the key to getting medical care without financial strain, meeting visa requirements, and registering at your university. Turkey takes this seriously—so should you.
Why Health Insurance Is a Must in Turkey
In Turkey, international students must have valid health insurance throughout their stay. It’s mandatory for residence permits and university registration. Without proof of coverage, you can’t proceed with these processes. Moreover, medical expenses, even in Turkey, can become costly without insurance.
Two Main Types of Health Insurance for Students in Turkey
Before we look at the best providers, it’s worth understanding the two main types of student health insurance you can get:
1. SGK (GSS) – Turkish Government Health Insurance
The General Health Insurance scheme—known as SGK or GSS—is Turkey’s public health coverage.
- Eligibility: You can enroll once you’ve registered at your university. You must do so within three months of registration.
- Cost: Around ₺500–₺700 per year (2025 figures).
- Coverage: Inpatient and outpatient treatment at public hospitals, medications (with a 20% copay), and limited access to private hospitals.
- Language: Services are mainly in Turkish.
SGK is affordable and widely accepted, but you’ll need private insurance when you first arrive—especially if you need coverage before your SGK eligibility kicks in.
2. Private Health Insurance
Choose private health insurance for quick doctor access, English-speaking staff, and extensive hospital networks. Enjoy extra perks like dental, mental health, and repatriation services. Annual costs range from ₺1,300 to ₺3,900, varying by age, provider, and coverage. Private plans are ideal for short-term students or anyone seeking direct access to private facilities, bypassing language and wait-time obstacles.
Top Health Insurance Providers for International Students in Turkey
These providers meet legal standards, are accepted by Turkish universities and immigration offices, and offer dependable coverage for students.
1. SGK (General Health Insurance – GSS)
Type: Government-run public health insurance.
Why it works:
- Affordable annual cost.
- Wide access to public hospitals across Turkey.
- Covers inpatient, outpatient, and medication costs (with small copay).
Limitations:
- Limited private hospital coverage.
- Mostly Turkish-language service.
Tip: Many students start with private insurance for their visa, then switch to SGK after enrolling at university.
2. Allianz Turkey
Type: Local branch of a major global insurer.
Key benefits:
- University-compliant student plans.
- Extensive private hospital network.
- English-speaking customer support.
Why it’s popular: Allianz is a known, trusted name with strong claim support and straightforward paperwork for visa applications.
3. Anadolu Insurance (Anadolu Sigorta)
Type: Leading Turkish insurer.
Highlights:
- Tailored student insurance packages.
- Fast processing for residence permit applications.
- Coverage accepted widely across Turkey.
Why it’s recommended: Excellent balance between cost and private hospital access, with good service for foreign students.
4. Mapfre Insurance
Type: International brand with a strong presence in Turkey.
Features:
- Comprehensive student health insurance plans.
- Good private hospital access.
- Competitive pricing for young adults.
Best for: Students who want solid local coverage from a well-known international name.
5. Acıbadem Health Group Insurance
Type: Insurance linked to a premium private hospital network.
Advantages:
- Direct access to Acıbadem hospitals.
- English-speaking doctors and staff.
- Premium-level facilities.
Who it suits: Students who prioritize fast, top-tier private hospital care and don’t mind paying more for it.
6. AXA Insurance
Type: Global insurer with a strong local network in Turkey.
Why it’s a strong choice:
- Plans that meet Turkish university and residence permit requirements.
- Global hospital network for travel outside Turkey.
- Flexible plan levels.
7. Aon Student Insurance
Type: International broker and insurer.
Highlights:
- Coverage for medical treatment, repatriation, and liability.
- Recognized by Turkish universities.
- Multi-country coverage for students who travel often.
Why it’s good: Ideal for students who might study in multiple countries during their degree program.
8. International Student Insurance (ISI)
Type: Global broker specializing in student plans.
Strengths:
- Affordable, tailored student insurance accepted in Turkey.
- Quick documentation for visa and university registration.
- Flexible durations for semester or year-long programs.
9. IMG (International Medical Group)
Type: Global insurer.
Student-friendly plans:
- Student Health Advantage – Designed specifically for students.
- Global direct billing network.
- Emergency evacuation and mental health benefits.
Why it’s good for Turkey: Combines worldwide protection with acceptance by Turkish institutions.
10. April International
Type: Europe-based insurer.
Key points:
- Tailored expat and student plans.
- Multi-lingual support, including Turkish and English.
- Recognized by Turkish universities.
What’s Covered in Most Student Health Insurance Plans in Turkey
While exact benefits vary, most plans include:
- Inpatient treatment – Hospital stays, surgeries, emergency care.
- Outpatient care – Doctor visits, lab tests, prescribed medications.
- Emergency services – Ambulance, urgent care.
- Medications – SGK covers with a 20% copay; private plans vary.
- Optional extras – Dental, mental health, repatriation.
Cost Guide (2025 Estimates)
- SGK (public): ₺500–₺700/year.
- Private: ₺1,300–₺3,900/year (age and coverage dependent).
Practical Student Tips for Health Insurance in Turkey
- Start with Private, Switch to SGK Later
- If you’re staying longer than six months, private insurance covers you upon arrival, then SGK offers cheaper long-term coverage.
- Check Policy Language
- Ensure your policy is available in Turkish—immigration offices require it.
- Verify Acceptance
- Ask your university which providers they accept to avoid last-minute problems.
- Compare Beyond Price
- Some cheaper plans exclude private hospital coverage or advanced treatment.
- Look for Direct Billing
- This avoids paying upfront and waiting for reimbursement.
- Check Bilateral Agreements
- Some countries have health or social security agreements with Turkey that could reduce your costs.
Why Choosing the Right Provider Matters
In Turkey, your insurer choice influences more than documentation. It determines how fast you receive medical care, if language barriers are overcome, and the quality of your healthcare experience. Allianz Turkey, Anadolu Sigorta, and Mapfre are popular for seamless local coverage. For students who travel frequently or seek global protection, international providers like IMG and April International are excellent options.
Final Thoughts
International students in Turkey must have health insurance—it’s mandatory, financially wise, and essential. Fortunately, many providers cater to student needs. Options range from SGK’s affordable plans to Acıbadem’s premium services, suiting various budgets and lifestyles. Begin your research early, align your plan with your stay duration and travel habits, and ensure it meets university and Turkish immigration requirements. This preparation allows you to focus on your studies and enjoy Turkey’s unique culture.
Insurance Companies Mentioned
- SGK (General Health Insurance – GSS)
- Allianz Turkey
- Anadolu Insurance (Anadolu Sigorta)
- Mapfre Insurance
- Acıbadem Health Group Insurance
- AXA Insurance
- Aon Student Insurance
- International Student Insurance (ISI)
- IMG (International Medical Group)
- April International
References:
- Acıbadem Health Group. (2025). Health insurance services. Acıbadem Healthcare Group. https://www.acibadem.com.tr
- Allianz Sigorta. (2025). Student health insurance plans. Allianz Turkey. https://www.allianz.com.tr
- Anadolu Sigorta. (2025). Private health insurance for students. Anadolu Sigorta. https://www.anadolusigorta.com.tr
- April International. (2025). International student health insurance. April International. https://www.april-international.com
- AXA Sigorta. (2025). Health insurance plans. AXA Turkey. https://www.axasigorta.com.tr
- Cigna. (2025). International student health insurance plans. Cigna Global. https://www.cignaglobal.com
- IMG. (2025). International student medical insurance plans. International Medical Group. https://www.imglobal.com
- International Student Insurance. (2025). Health insurance for international students. https://www.internationalstudentinsurance.com
- Mapfre Sigorta. (2025). Health insurance products. Mapfre Turkey. https://www.mapfre.com.tr
- Republic of Turkey Social Security Institution. (2025). General Health Insurance (GSS) for students. https://www.sgk.gov.tr
