Category Archives: Health Insurance

Health Insurance Option for Expats in Turky

While most vacationers and short-term expats will keep their home country health insurance, or go for travel health insurance (a good explanation of those choices here, an overview of travel medical insurance here, and reviews of travel insurance providers here), longer-term expats can choose to either keep their home/international provider, or switch over to SGK, the Turkish National Health Insurance.  If you decide to switch over, the later is usually far less expensive and makes hospital visits a breeze.

 

What is SGK?

According to the Turkish Constitution, “Every individual is entitled to social security. The State takes the necessary measures to create this confidence and organizes the organization”. What this means today is that the Ministry of Health provides health care, organizes preventive health services, operates state hospitals, supervises private hospitals, and regulates the production and prices of pharmaceutical drugs nationwide.  Every Turkish citizen is entitled to national health coverage – as is almost every foreign resident in the country. To receive a residence permit, you are also required to sign up for medical insurance, either state or otherwise.

SGK (Sosyal Güvenlik Kurumu, Social Security Institution) is state-provided health insurance for the entire family including children up to the age of 18 and, depending on the circumstances, possibly other dependents.  The family-based fee is around $100 per month.*  Once you enroll in SGK, you must keep the insurance for as long as you keep your residency in Turkey.  For a longer explanation aimed at UK citizens, please see this post. SGK website here. Continue reading

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A Veteran’s Take on Retirement in Turkey

Below is a selection from very thorough and measured assessment of retiring in Turkey written by Colin Guest, a British man who has lived in the country for over two decades.  You can read the full (rather lengthy) in Retirement and Good Living.  Even though this is a fairly recent review, several Turkish laws that he mentioned have since changed – make sure to check the most recent health insurance, residence permit and property purchasing laws before making any plans!

The article is quite extensive, so here’s the summary of his thoughts:

In general, I think Turkey is a good place to retire. What with beautiful weather, and living costs being quite reasonable, one can enjoy a relaxing and healthy lifestyle here. Also, Turkish people are well known for being very hospitable and friendly. If you happen to have a problem, there is usually someone who will help you out. It is also quite safe to walk around here. As for crime, apart from once catching someone trying to pick my pocket, I have never had any problems whilst living here.

Retirement in Turkey

Saturday, September 20th, 2014 Colin Guest

Retire in TurkeyAs a retired Englishman, one who has lived in Turkey for over 25 years, I have no hesitation in recommending it as a place to retire. Down on the Mediterranean Coast, where I lived until getting remarried in 2012, there is an average of 300+ days of sunshine a year. This compared to living in the UK where sunshine is at a premium, is reason alone to retire here. However, I must point out that normally, during July and August, the temperatures can be very high. At these times, it is advisable to think about taking a holiday to somewhere cooler.

As for buying or renting property here, costs I think are quite reasonable compared to some other countries. As an example, one can rent a good-sized 3-bedroom apartment in the city of Antalya for around £280 ($456) per month. Smaller apartments are of course much cheaper. These prices, however, can vary considerably; depending on which area you choose to live. In Istanbul for instance, housing costs are far higher than in other areas of Turkey. Buying property here is very easy. Although you do not require using an Avukat (lawyer) to buy a property, I highly recommend you use one. Just think for a minute, would you buy a property in England (or the US) without using a solicitor. The answer is a definite NO! Therefore, before buying a property, use an Avukat. If possible, use one who is recommended by someone you know who purchased a property.

One thing to be aware of about buying property here is the inheritance law. This unlike in the UK is somewhat different. In the event of your death, if you have children, they are automatically entitled to a share of any property that is in your name….Retire in Turkey

Medical care here in Turkey is very good. In fact, patients come to Turkey to have operations, unlike in the UK; there are no waiting lists here. Also, costs for operations are quite reasonable compared to the UK. I have had two operations here, and was well satisfied with both the operations and aftercare received. There are many first class hospitals in Turkey, fitted with the latest technology and staffed by English speaking doctors. SGK….  is a Turkish health organization, which you can join as long as you do not receive a pension from England. The monthly costs for this is around 285 TL (£81, $132). As a member of SGK you are entitled to receive free health care in Government hospitals, as well as obtaining prescription medicines at greatly reduced costs…

Transport here is both cheap and efficient, with most buses air-conditioned. As an example of costs, a ticket from the city of Antalya to Kemer, a distance of approximately 50km, is around £2 ($3.25). Apart from buses, Antalya has a metro system, which is inexpensive to use. In Istanbul, one has a wide range of available transportation. There are buses, metro lines and ferries. You can also use a Dolmus, which are basically mini buses that carry around 10 persons. These are both a cheap and efficient way of getting around to various places. All taxis here are fitted with meters….

There are many new shopping centers throughout the country. You can now buy most things except pork, which is only available in a few places. When shopping outside of the major shopping centers, you can try to barter down the cost. In many places this is expected, especially in tourist areas and open markets. Some of the best buys in Turkey include gold & silver jewelry, which is of excellent quality and design. Leather is also of high quality and of the latest fashion. Turkish carpets are known worldwide for being of high quality. However, when buying one, you should always barter down the cost.

There are many water sports available if you decide to live on the Mediterranean or Aegean Coast. There are also many excellent marinas, both in the large cities and hidden away in numerous well sheltered bays. For the golfer, there are over 12 top quality golf courses in Belek designed by a world known professional golfers. This is approximately a 30 minutes’ drive East down the coast from Antalya International airport. There is also a course in Bodrum, with three courses in Istanbul. Films are available in English, in most cinemas throughout Turkey. By using a satellite TV system, you are able to view English films and several International News channels.

Retire in TurkeyIf you are over 65, and want to get married to a Turkish person, the process is quite involved and requires various forms and signatures.

A word of warning. If you are thinking of working here, you must have a work permit. If you are caught working without one, you will be deported. Also, never go into business without first consulting an Avukat (lawyer). I myself have not had a problem re this, although my late wife and some friends lost money by not consulting an Avukat, before parting with their money.

In general, I think Turkey is a good place to retire. What with beautiful weather, and living costs being quite reasonable, one can enjoy a relaxing and healthy lifestyle here. Also, Turkish people are well known for being very hospitable and friendly. If you happen to have a problem, there is usually someone who will help you out. It is also quite safe to walk around here. As for crime, apart from once catching someone trying to pick my pocket, I have never had any problems whilst living here.

You can read more about the author on Author’s Den and buy Colin’s full e-book here

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