KTLN on Facebook
We have 105 guests and
2 members online (107),
2 members visted today.
Most users online
Friday 9th December 2016 5:42pm
Guests:13567 Members:81 (13648)
Wednesday 22nd March 2017
Most Members in a Day:304
New Members in last 30 Days: 22
|SGK - Universal Health Insurance (UHI)|
|Sunday, 24 February 2013|
This article is aimed at British nationals who have Turkish residency (ikamet). It briefly explains the Turkish state health system, as it applies to them.
If you are visiting Turkey as a tourist, we strongly advise that you take out travel insurance, to cover the cost of any treatment you may require, whilst on holiday.
This information was correct at the time of publication, however we strongly advise checking the latest position with your local SGK office.
State and private hospitals
In private hospitals, you pay for the treatment you receive. In state hospitals, treatment is free, for those paying a regular premium into the state Universal Health Insurance (UHI) scheme.
The UHI scheme has a number of sub-schemes, but for most foreign nationals, the scheme that they can subscribe to is called the Sosyal Güvenlik Kurumu (SGK).
It would be fair to say that the introduction of the scheme for foreigners in 2012 was chaotic, and there have been several twists and turns. For the background to the introduction of this scheme for foreigners, please search the KTLN web site for SGK related news items.
What is SGK?
You can also get treatment in some private hospitals, at a significantly discounted cost. Check before you start treatment. Please note that if you turn up at a private hospital on a Sunday or a public holiday, for non-emergency treatment, you will have to pay the full cost of treatment, as SGK will not cover you on these days.
Who is eligible?
What if I have not had residency for a year?
Is SGK compulsory?
Is there an age limit for foreigners wishing to apply?
How much does SGK cost?
Married and in receipt of a state pension
Where one is in receipt of a state pension, and the other is not it's not so simple. Here are some examples.
Mr & Mrs Smith are retired. Mr Smith receives a UK state pension. His wife, Mrs Smith does not yet receive a UK state pension.
For example 2, you are no doubt asking yourself, could Mrs Smith cancel her SGK membership, and Mr Smith take out membership in his name, with his wife as a dependent? The answer is maybe.
If Mrs Smith joined before 29th May 2013, she can cancel her membership and Mr Smith's application would be treated as a brand new application. As Mrs Smith may be regarded as a dependent, she would be covered on Mr Smith's membership, and they would pay a single premium.
The thing to bear in mind here is that by submitting a new application, both parties would have to undergo a medical to establish pre-existing conditions.
Please note that the above principle works either way, i.e. if the woman gets the pension and the man does not.
I am a pensioner - why do I have to pay?
How do I pay the monthly premium?
Unfortunately, it does not seem possible to set up a standing order for payment, unless you bank with Ziraat Bank, which is a state controlled bank. You need to quote your kimlik number, (an eleven digit ID number beginning "99", which you are allocated once you have your residency permit).
Can I take out private health insurance instead?
What if I don't take out SGK or private health insurance?
Anecdotally, we have heard of some cases where foreign residents have been given some kind of discounted medical treatment in Turkey, without having SGK or private health insurance. Whilst we have no reason to disbelieve these stories, we have no idea of the basis upon which discount has been provided. We wouldn't rely on this.
Can I stay out of the SGK scheme now, but join later?
Medicals to establish pre-existing conditions
So if you didn't have such a medical when you joined SGK, and the scheme is working well, you must decide whether you "let sleeping dogs lie", or whether you are going to confront the issue and ask a direct question at your local SGK office.
Documents / Information available in English
On the Home page choose “En” in the top right hand corner for English.
What is covered by the healthcare scheme?
You can register with your local doctor (GP) in Kalkan, and have free consultations.
Under the SGK scheme you have to pay for any drugs prescribed, however you get them at a discounted rate.
In state hospitals, usually the full cost of any treatment is covered by SGK. If you choose to be treated in a private hospital, you will find that some offer a discount of up to 90% if you are SGK registered, so you only pay 10% of the bill. However, please check with the hospital before you have any treatment.
Does SGK cover optician and dentist charges?
How can I leave the SGK scheme?
The FCO web site says, "If leaving Turkey on a permanent basis an individual must surrender their residence permit to the Foreigners Police Department and write a letter to their [local SGK office], informing them that they are leaving the country".
Renewing your short term residency or applying for long term residency
Also, if your are moving from a Short Term Residence Permit (STRP) to a Long Term Residence Permit (LTRP) you must also tell the SGK to ensure continued cover.
SGK lapses on death
Where is my nearest SGK office?
How do I join?
You may have to provide confirmation of your address, in the form of a letter from the Nüfus office, headed up 'YERLEŞİM YERİ VE DİĞER ADRES BELGESİ'. (In Kaş, the Nüfus office is in the same building as the tapu office, on the 2nd floor). You need to know your Kimlik number - that's the 11 digit number beginning '99'. How to obtain your Kimlik number.Below: Photo showing the SGK office in Kaş from the main street going down to the harbour. The SGK office is down some steps, near to the Akbank ATM.
Below: A photo from the other side of the block, showing the SGK entrance.
Kalkan Turkish Local News - your window on Kalkan Turkey.
Independent. Comprehensive. Reliable.
Love KTLN. Love Kalkan.
|Last Updated on Saturday, 07 January 2017|