Healthcare System Structure

Public Healthcare

Turkiye’s public healthcare is provided through government hospitals and clinics, overseen by the Social Security Institution (SGK). These facilities offer affordable medical services, including primary care, specialist treatment, and emergency services. Notably, emergency care in public hospitals is typically free of charge for everyone, including international students.

Private Healthcare

Private hospitals and clinics in Turkiye provide faster, more personalized services, usually at a higher cost. These establishments often have partnerships with international insurance providers, making them accessible to foreign students who choose suitable private healthcare plans.

University Health Services

Many Turkish universities operate on-campus medical clinics that offer primary healthcare, basic treatment, vaccinations, and referrals. Some universities also have affiliated hospitals that can provide more advanced care. Engaging with on-campus services can be a convenient option for students.

Health Insurance Requirements and Options

Mandatory Health Insurance

All international students must have health insurance for the entire duration of their studies. A valid health insurance policy serves as a prerequisite for university enrollment and obtaining a residence permit in Turkiye.

Types of Health Insurance

• General Health Insurance (GHI/SGK): This public insurance allows students to enroll at the Social Security Institution (SGK) within the first three months after receiving their residence permit. SGK covers most treatment costs at state and some university hospitals, but students generally pay a share (approximately 20%) of medication expenses. However, it’s essential to note that SGK does not cover all services at private hospitals.
• Private Health Insurance: This option can be purchased from Turkish or international insurance companies. It is mandatory for residence permit applications and often provides faster service, broader access to private hospitals, and English-speaking doctors. Coverage and costs vary widely by provider and policy.
• University-Specific Health Plans: Some universities offer health insurance packages for international students that cover both on-campus and select off-campus services.

Healthcare Access Process

1. Arrange Health Insurance: It’s essential to secure either private or public health insurance before arriving or immediately after. This step is crucial for both your residence permit and university registration.
2. Register with SGK (if choosing public insurance): Students must apply at their local SGK office within three months of receiving their residence permit. Required documents typically include your passport, residence permit, proof of university enrollment, and biometric photos.
3. University Clinic Access: Utilize university medical clinics for minor illnesses or non-urgent needs. These clinics usually provide services during university hours and may require an appointment.
4. State or Private Hospital Care:
   • For specialized or emergency care, students can choose between public hospitals (cost-effective, especially if covered by SGK) or private hospitals (for faster service with private insurance).
   • It’s crucial to take identification (passport, residence permit) and your insurance policy when seeking care.
5. Pharmacies (Eczane): Pharmacies are widely available for both prescription and non-prescription medications. Patients typically contribute around 20% for medicines when covered by SGK.

Emergency Services

For medical emergencies, students should dial 112 for ambulance services, which are free of charge and ensure an immediate response, regardless of their insurance status. Emergency departments in state hospitals treat urgent cases free of charge for all students.

Key Considerations

• Language Support: While many public sector providers may not speak English, most private hospitals and university clinics often have English-speaking staff available.
• Coverage Limitations: SGK primarily covers public facilities, while private insurance may be necessary for extensive access to private hospitals. Some procedures or specialized treatments may incur additional charges, even with insurance.
• Document Readiness: Students should always keep copies of their insurance policy, identification, and student ID when accessing healthcare services.

Summary Table: Health Insurance Options

Take the Next Step with Study in Turkiye

International students in Turkiye should prioritize securing appropriate health insurance, familiarize themselves with local healthcare processes, and leverage university support services to ensure a safe and well-supported academic experience. Explore further to make the most of your educational journey.