Obtaining a residence permit in Turkey is a significant step for foreigners, and one crucial aspect of this process is securing the right health insurance. In 2024, understanding the residence permit conditions and exploring the available insurance options becomes paramount. In this guide, we delve into the intricacies of residence permit insurance, shedding light on coverage, pricing, and the top insurance companies in Turkey.

Understanding Residence Permit Conditions

Before delving into the specifics of health insurance, it's essential to grasp the conditions for obtaining a residence permit in Turkey. The government mandates certain requirements, and one of them is having valid health insurance. This insurance is not just a formality; it's a crucial element in ensuring the well-being of foreign nationals residing in Turkey.

To meet residence permit conditions, foreign nationals must acquire health insurance that covers a range of medical services. This includes emergency care, hospital stays, surgeries, and other necessary healthcare services. It acts as a safety net, providing financial protection and access to quality healthcare when needed.

Exploring Health Insurance Options

Now, let's dive into the nitty-gritty of health insurance options available for foreign nationals in Turkey. A variety of insurance plans are offered by reputable companies, catering to different needs and preferences.

Top Insurance Companies: Turk Nippon, Arex Sigorta, Sompo Sigorta, Hepiyi Sigorta, Demir Sigorta, AK Sigorta, Ankara Sigorta, Groupama Sigorta, and Allianz Sigorta.

These companies are known for their reliability and comprehensive coverage. When considering health insurance, it's crucial to evaluate coverage details, premiums, and the reputation of the insurance provider.

Turk Nippon:
Turk Nippon stands out for its commitment to providing quality healthcare coverage for foreign nationals. With a range of plans tailored to different needs, Turk Nippon ensures that residents have access to top-notch medical services.

Arex Sigorta:
Arex Sigorta is synonymous with trust and efficiency. Their health insurance plans are designed to cover a broad spectrum of medical expenses, offering peace of mind to foreign residents.

Sompo Sigorta:
Sompo Sigorta is known for its customer-centric approach. Their health insurance plans are comprehensive, ensuring that foreign nationals have access to a wide network of healthcare providers.

Hepiyi Sigorta:
Hepiyi Sigorta prides itself on simplicity and transparency. Their health insurance plans are straightforward, providing coverage that meets the specific needs of foreign nationals.

Demir Sigorta:
Demir Sigorta is a reliable choice for those seeking comprehensive health coverage. With flexible plans and competitive premiums, Demir Sigorta caters to the diverse needs of foreign residents.

AK Sigorta:
AK Sigorta emphasizes innovation in its health insurance offerings. With a focus on technological solutions and customer satisfaction, AK Sigorta ensures a seamless experience for foreign nationals.

Ankara Sigorta:
Ankara Sigorta is known for its stability and commitment to customer welfare. Their health insurance plans are crafted to provide extensive coverage, ensuring the well-being of foreign residents.

Groupama Sigorta:
Groupama Sigorta is a reputable player in the insurance industry. Their health insurance plans are comprehensive, offering a wide array of benefits to foreign nationals residing in Turkey.

Allianz Sigorta:
Allianz Sigorta is a global leader in insurance, and its presence in Turkey is no exception. Their health insurance plans are known for their reliability and extensive coverage, meeting the diverse needs of foreign residents.

Other Insurance Solutions

While health insurance is a key component, there are other types of insurance that foreign nationals should consider for a comprehensive coverage portfolio.

How to Buy Home Insurance:
Protect your residence and belongings with a robust home insurance policy. It provides coverage against risks such as fire, theft, natural disasters, and more.

How to Buy Auto Insurance:
Auto insurance is mandatory in Turkey. Ensure your vehicle is protected against accidents, theft, and other unforeseen events with a reliable auto insurance policy.

How to Buy Travel Insurance:
Whether you're a frequent traveler or a tourist exploring Turkey, travel insurance provides coverage for medical emergencies, trip cancellations, and other travel-related risks.

How to Buy Pet Insurance:
Pet owners can safeguard their furry friends with pet insurance, covering veterinary expenses and potential liabilities.

How to Buy Health Insurance:
Apart from residence permit health insurance, individuals can explore additional health insurance options for enhanced coverage and specific needs.

How to Buy Residence Permit Insurance:
Navigate the intricacies of acquiring residence permit insurance with a step-by-step guide on the process, requirements, and key considerations.

Residence Permit Insurance Price Table 2024

Now, let's break down the residence permit insurance prices for 2024. The table below provides a detailed overview based on age groups:

Age 1-year 2-year Total
0-15 ₺1,850 ₺2,800 ₺4,650
16-25 ₺1,050 ₺1,590 ₺2,640
26-35 ₺1,100 ₺1,650 ₺2,750
36-40 ₺1,400 ₺2,200 ₺3,600
41-45 ₺1,620 ₺2,450 ₺4,070
46-50 ₺1,950 ₺2,900 ₺4,850
51-55 ₺1,980 ₺2,950 ₺4,930
56-60 ₺2,650 ₺3,950 ₺6,600
61-65 ₺3,600 ₺5,400 ₺9,000
66-69 ₺6,000 ₺9,000 ₺15,000
Unlock up to 60% off on residence permit insurance and services! Subscribe for exclusive savings and peace of mind with Ikamet.

How to Research Contracted Hospitals in Turkey

Understanding where you are covered for hospitals and prescriptions is vital. Surprisingly, a considerable number of expats in Turkey face challenges in comprehending and utilizing their insurance policies effectively. The myth that there is no coverage often prevails, with 98% of expats expressing uncertainty.

To dispel this myth, research becomes imperative. Here's a step-by-step guide on how to navigate and understand your coverage:

Insurance Provider's Network:

    • Start by checking the official website or contacting your insurance provider directly.
    • Look for a section detailing the list of contracted hospitals and healthcare facilities.
    • Identify hospitals in your region or areas you frequent.
    • This is the third-party contracted health institution validator.

Policy Documents

    • Refer to your policy documents. Look for sections related to network hospitals and coverage details.
    • Pay attention to any exclusions or limitations that might affect your hospital choices.

Customer Support

    • Reach out to your insurance provider's customer support. Ask specific questions about covered hospitals, services, and prescription coverage.
    • Clarify any doubts you may have regarding the scope of your policy.

Local Assistance

    • Utilize local assistance, if available. Visit the insurance provider's office or speak to a representative in person.
    • Seek recommendations from locals or other expats who have experience with the same insurance provider.

Understanding your coverage is empowering. It ensures that you can confidently access healthcare services when needed, debunking the myth of insufficient coverage prevalent among expats. Please avoid purchasing from unlicensed agencies that cannot provide legal answers to your questions.

Who We Are: Official Ikamet Sigorta

In the vast landscape of insurance providers, choosing the right one can be challenging. We, at Ikamet Sigorta, stand as the authorized provider of residence permit insurance for all of Turkey. When dealing with Ikamet Sigorta, you can rest assured that you are dealing with a fully licensed Sigorta Agency in Turkey, registered with the TOBB Sigorta Directorate.

Why Choose Ikamet Sigorta:

  • Official Provider: Recognized by Turkish authorities as an authorized provider of residence permit insurance.
  • Fully Licensed: As a fully licensed Sigorta Agency, our operations are in compliance with the regulations set by the TOBB Sigorta Directorate.
  • Tailored Insurance Plans: Plans are tailored to meet the unique needs of foreign residents.
  • Transparent Policies: Policies come with no hidden fees, ensuring clarity for our clients.
  • Dedicated Support Team: A dedicated support team is ready to assist with any inquiries or concerns.
  • Efficient Application Process: Enjoy a seamless and efficient application process for your convenience.
We'll beat any valid insurance agency by 10% throughout Turkey.


In conclusion, securing the right residence permit insurance is not just a legal requirement but a crucial step in ensuring a safe and secure stay in Turkey. With a plethora of options from reputable insurance companies like Turk Nippon, Arex Sigorta, Sompo Sigorta, Hepiyi Sigorta, Demir Sigorta, AK Sigorta, Ankara Sigorta, Groupama Sigorta, and Allianz Sigorta, foreign nationals can choose a plan that aligns with their needs and preferences.

Beyond health insurance, considering other types of insurance, such as home, auto, travel, pet, and general health insurance, contributes to a comprehensive coverage portfolio. The detailed price table provides a clear understanding of the costs associated with residence permit insurance based on age groups.

As an official provider of residence permit insurance for all of Turkey, Ikamet Sigorta stands as a trustworthy partner, ensuring that foreign nationals receive the support and coverage they need. Whether you are a student, professional, or retiree, make informed decisions about your insurance needs to enjoy a secure and fulfilling life in Turkey.