With the 2024 minimum wage determined, the question of how much the lowest and highest Bağkur insurance contributions (sigorta primleri) will be is answered in detail below. Insurance contributions are important not only for access to healthcare but also for retirement entitlements.
Contributions for both health and retirement coverage are paid monthly to the Social Security Institution (SGK). Contributions calculated based on the minimum wage are computed over 30 days and paid every month.
People registered under the Bağkur insurance branch want to know the floor and ceiling amounts for 4/b contributions. The question “How much are 2024 Bağkur contributions, and what is the minimum contribution?” is on the agenda for many insured under 4/b.
How Much Are 2024 BAĞKUR Contributions?
Bağkur is one of the insurance branches and is a form of voluntary insurance. Individuals covered by Bağkur pay a monthly contribution equal to 32% of their declared monthly earnings. Of this 32%, 20% is allocated to disability, old-age and death insurance, while 12% is calculated as general health insurance premium.
For 2024 4/b contributors,
- The monthly minimum contribution for those who pay their Bağkur contributions regularly based on the minimum wage is 5,900.74 TL.
- For Bağkur contributors who do not pay regularly, the monthly amount to be paid is 6,900.86 TL.
How Much Is the 2024 Craftsman (Esnaf) BAĞKUR Contribution?
Tradespeople and other insured under Bağkur must pay a monthly insurance contribution to be eligible for retirement under this insurance branch. Individuals in the 4/b category pay contributions on their own behalf and, by paying them, earn retirement rights under this insurance line.
Monthly 4/b contribution amounts change each year according to minimum wage increases. Craftspeople and similar occupations who pay contributions under the 4/b scheme want to know how much their monthly contributions are in 2024.
For 2024, Bağkur contributions for tradespeople, partners in companies, lawyers, jockeys and similar 4/b contributors who pay their premiums regularly receive a 5% discount.
- Lowest Craftsman Bağkur contribution with 5% discount: 5,900.74 TL
- Without the discount, the 2024 Craftsman Bağkur contribution: 6,900.86 TL
How Much Is the 2024 Agricultural (Tarım) BAĞKUR Contribution?
Farmers covered by Bağkur pay contributions based on their farming activity. Agricultural Bağkur contribution amounts for 2024 are of interest to many farmers. Farmers without outstanding contribution debt receive a 5% discount on their Bağkur payments.
2024 Agricultural Bağkur Contribution Levels;
| Minimum | ₺5,900.74 TL |
| Maximum | ₺44,250.55 TL |
How Much Is the BAĞKUR Contribution for Disabled Workers?
Disabled Bağkur contributors who work and are insured in a job may qualify for earlier retirement. Many disabled Bağkur participants can retire after working at least 15 years. Those who have paid 3,600 days of contributions and meet disability criteria can retire earlier than other workers.
To pay contributions under the disabled Bağkur category, an individual must have at least a 40% disability rate confirmed by a medical board. Many disabled citizens are curious about the 2024 disabled Bağkur contribution amounts.
Retirement conditions for disabled Bağkur contributors depend on the degree of disability. For those retiring in 2004 and later:
- 1st-degree disabled individuals must complete 15 years of insured work and 3,600 days of contributions.
- 2nd-degree disabled individuals must complete 18 years of insured work and 4,000 days of contributions.
- 3rd-degree disabled individuals must complete 20 years of insured work and 4,400 days of contributions.
For 2024, the contribution day requirements and disability degrees for disabled Bağkur contributors who wish to retire show the following adjustments:
- Disabled Bağkur contributors with a work capacity loss of 60% or more: 15 years of insured work and 3,960 days of contributions required.
- Those with 50–59% loss of work capacity: 16 years of insured work and 4,320 days of contributions required.
- Those with 40–49% loss of work capacity: 18 years of insured work and 4,680 days of contributions required.
These contribution and service time arrangements for disabled Bağkur contributors were established through regulatory changes for 2024.
What Is the Minimum BAĞKUR Contribution?
In January 2024, the minimum wage rose by 49.00% and was set at 17,702.13 TL. Many 4/b insured workers are asking, “How much are 2024 Bağkur contributions, and what is the minimum contribution?”
Bağkur contributors pay contributions based on a declaration that must remain between the minimum wage and 7.5 times the minimum wage. From the declared amount, 20% goes to disability, old-age and death insurance; 12% to general health insurance; and 2% to work accident and occupational disease coverage, totaling approximately 34.5% in contributions.
The minimum Bağkur contribution for 2024 is set at 5,900.74 TL.
What Is the Maximum BAĞKUR Contribution?
With the minimum wage increase announced for 2024, the upper limit for Bağkur contributions has drawn attention. The maximum Bağkur contribution for 2024 has been set at 44,250.55 TL.
Bağkur contributors who pay regularly and have no outstanding debts are eligible for a 5% discounted contribution rate.
How to Check BAĞKUR Contributions?
Bağkur contributors often want to check their contribution status. The most convenient method for many is through the e-Government (e-Devlet) system.
To check 4B Bağkur contributions, follow these steps:
- Open the turkiye.gov.tr official website in your browser.
- Search the homepage search box for “4B Ödeme Dökümü”.
- A sign-in screen for identity verification will appear.
- Enter your ID number and e-Devlet password correctly to log in.
- After login, fill in the fields for Query Type (Sorgu Türü), Query Kind (Sorgu Tipi), Registration Number (Sicil No) and Security Code correctly.
- Once you have entered the required information, click the “Borç Sorgula” (Query Debt) button.
- Your Bağkur debt and contribution details will then be displayed.
What Happens If BAĞKUR Contributions Are Not Paid?
Many people who do not pay Bağkur contributions regularly wonder about the consequences. If Bağkur contributions are not paid on time, the following occurs:
- Interest accrues on unpaid contributions.
- If payments are overdue for two months or more, access to healthcare services is suspended.
- Dependents covered through the Bağkur-insured person (such as parents or children) lose access to health services.
- Failure to pay regularly cancels the 5% discount privilege.
- In 2024, 4/b contribution debts are not being pursued through enforcement and seizure processes.
- Nonpayment results primarily in loss of health service access and interest charges.
When Are BAĞKUR Contributions Due?
BAĞKUR contributions become due at the end of the month following the insured month. If a person fails to make payments for two months or longer, they cannot access health services and interest begins to accrue on their 4/b debt. Contributions for the first month of Bağkur membership are due at the end of that month.
Can BAĞKUR Contributions Be Paid by Credit Card?
Bağkur contributions can be paid by credit card via the turkiye.gov.tr website. By entering your card information correctly, you can complete the payment transaction.
Where Are BAĞKUR Contributions Recorded in Temporary Tax?
For those wondering where 4/b contributions are recorded in temporary tax, 4/b contributions are recorded at the Tax Office Directorate of the province to which the taxpayer is registered. They are submitted to the relevant office as a petition using the tax registration number.
This article covered how much 2024 Bağkur contributions are, what the minimum contribution is, and contribution levels for tradespeople and farmers.
How Much Are 2024 Bağkur Contributions for Sole Proprietorships?
Sole proprietors who qualify for the 5% discount should pay the minimum Bağkur contribution of 5,900.74 TL. Sole proprietors who do not pay regularly should expect to pay a minimum contribution of 6,900.86 TL.