Get Complementary Health Insurance for Just a Few Cents a Day — Avoid Extra Charges! For as little as 2 or 3 TL per day, you can obtain complementary health insurance and avoid paying extra fees at private hospitals. When people seek treatment at private hospitals for health reasons, they often face significant out-of-pocket costs. You can prevent this by purchasing complementary insurance for a small daily amount, allowing you to complete all procedures without paying inspection or treatment surcharges.
Working individuals often prefer private hospitals for treatment and outpatient visits because of time constraints related to their jobs. These time limitations frequently lead them to spend unexpectedly large sums at private facilities. The Social Security Institution (SGK) covers part of the costs, but patients can still face large difference fees — in some cases up to 300% of the SGK-covered amount. Complementary Health Insurance addresses this gap. You can find details about Complementary Health Insurance below.
What Does Complementary Insurance Cover?
Complementary insurance covers both outpatient and inpatient care. It typically offers two main coverage options: inpatient-only coverage or a combined package that includes both outpatient and inpatient services.
- Inpatient Treatment: This coverage applies to hospital stays and procedures that begin after the policy start date. It includes surgical and internal medicine admissions, dialysis, intensive care, chemotherapy, radiotherapy, coronary angiography, emergency medical expenses, and minor surgical interventions.
- Outpatient Treatment: With a valid policy, outpatient coverage applies to conditions arising after the policy start date and covers physician visits, laboratory services, imaging and advanced diagnostic methods, and physiotherapy.
Under Complementary Health Insurance, the insured person is still responsible for the state-required participation fee of 15 TL for outpatient treatments. Beyond this participation fee, any remaining costs that fall within the policy’s coverage and special conditions are fully covered by the insurance company.
Where Is Complementary Health Insurance Valid?
Complementary Health Insurance supplements the portion of private hospital treatment costs that the Social Security Institution partially covers. In practice, this insurance covers the remaining share, enabling SGK-registered individuals to access services at private hospitals without paying additional difference fees.
Many insurance companies offer complementary health insurance products. When choosing a plan, pay attention to the network of contracted hospitals and clinics. Premiums vary according to the applicant’s age, gender, and city of residence.
What Are the Differences Between Private Insurance and Complementary Insurance?
Below is a summary of the main differences between private health insurance and complementary insurance.
- Private health insurance is valid at the insurance company’s contracted hospitals and institutions.
- Complementary insurance is used in facilities that accept SGK agreements.
- To be eligible for complementary insurance, you must meet SGK membership requirements.
- Private insurance does not require SGK membership.
- Some private health insurance policies include co-payment requirements, which vary by policy.
- With complementary insurance, in SGK-contracted private hospitals, hospital expenses are covered jointly by SGK and the insurance company.
- Private health insurance can often include optional coverage for treatment abroad.
- Complementary insurance is limited to use within Turkey.
- Private insurance typically sets outpatient treatment limits in monetary terms (TL).
In contrast, complementary insurance often defines treatment limits in terms of the number of visits or procedures rather than a monetary ceiling.