Caregiver Insurance means registering people who provide in-home childcare, elderly care or care for the sick with the Social Security Institution (SGK) so they are legally insured. Caregivers working in household services are defined as “home service workers” under Law No. 5510 on Social Insurance and General Health Insurance. Therefore, if a caregiver is employed for payment, registering them for insurance is mandatory.
If the monthly working time is 10 days or more, a mandatory insurance notification must be submitted for the caregiver. With this notification, the worker becomes entitled to all social security benefits such as retirement, health coverage, work accident insurance and maternity benefits. The employer is obliged to pay the insurance premiums to SGK every month. The process can be completed in a few steps via e-Government (e-Devlet).
How to Register Caregiver Insurance (Step by Step)
In 2025, caregiver insurance procedures can be carried out easily through SGK and the e-Government system. The person acting as the employer (the homeowner hiring the caregiver) can complete the process by entering the required information into the system. Digital conveniences and SGK guidance are both actively available during the process.
The step-by-step caregiver insurance process is as follows:
- Log in to the e-Government system. Access the site with your Turkish ID number and password.
- Select the “Home Service Workers” heading. Type “Home Services” in the search box to find the relevant menu.
- Enter the caregiver’s information. Fill in identity details, start date, number of working days and wage information accurately.
- Premium calculation is done automatically. The system calculates the insurance premium amount to be paid based on the reported days and wage.
- Complete the employee registration and activate coverage. With the “Save” step, the caregiver’s insurance is initiated.
- Pay premiums monthly. Premium payments are made regularly via e-Government or bank channels.
What Is State-Supported Caregiver Insurance and Who Can Benefit?
State-supported caregiver insurance is an incentive program for families who hire insured workers for at-home childcare or care of the sick. With this support, part or all of the caregiver’s insurance premiums may be covered by the state. This both formalizes employment for the caregiver and reduces the employer’s financial burden.
Who can benefit from this support?
1- Working mothers or fathers
- Parents who are employed and have a child aged 0–24 months are eligible for support.
- Typically, the primary condition is that the mother is working.
2- Individuals employed full-time under SGK
- The state gives priority to individuals who themselves are actively employed and hire a caregiver.
3- Households below a certain income level
- If the household’s total income is below a specified threshold, the proportion of state support increases.
4- Applicants to projects promoting women’s employment
- Applicants to programs run by institutions such as the Ministry of Family and Social Services or EU-funded projects are given priority for support.
How Much Is the Caregiver Insurance Premium in 2025?
The 2025 caregiver insurance premium varies depending on the worker’s weekly hours, monthly salary and the minimum wage set by SGK. For household workers, the premium amount is calculated as a specific percentage of the minimum wage and this percentage is updated annually by SGK.
Example premium calculation for 2025
- Daily gross wage: 26,005.50 ÷ 30 = 866.85 TL
- Work accident insurance for one day: 866.85 × 2% = 17.33 TL
- Total premium for 10 days: 173.30 TL
If State Support Is Applied
An employer receiving 50% state support for a full-time employee would see:
- Total payment: 8,971.89 TL
- Payment after support: Approximately 4,485.94 TL
How to Monitor Caregiver Insurance via e-Government
Monitoring caregiver insurance can be done quickly and easily on the e-Government platform. Details such as the caregiver’s reported premiums, number of working days and employer notifications are visible digitally. This enables both the employer and the employee to follow up on transactions regularly.
Steps for employers to monitor:
- Log into turkiye.gov.tr with your Turkish ID number.
- Type “Home Services Employer Information” in the search box.
- On the resulting screen, you can see the caregiver’s Turkish ID number, the dates they were reported, the number of days reported for premiums and payment status.
Steps for employees (caregivers) to monitor:
- Log in to the e-Government system.
- Type “Service Statement (4A)” in the search field.
- On the displayed page you can view the employer’s name, the number of days reported to SGK and the premium payment status. The “GSS Activation” status is also shown in this section.
What Is the Penalty for Not Insuring a Caregiver in 2025?
Failing to insure a caregiver results in significant sanctions from SGK. If it is determined that a household worker is employed without insurance, the employer faces both an administrative fine and retroactive premium debts. In addition, if a work-related accident occurs, liability falls directly on the employer.
Penalties applied when insurance is not provided:
- A premium debt is calculated for each day found to be uninsured.
- An administrative fine equal to up to twice the minimum wage may be applied.
- Delay penalties and interest are charged.
- State supports are revoked and may be reclaimed.
Frequently Asked Questions (FAQ)
1. Is it mandatory to insure a caregiver who comes once a week?
No. If the caregiver works fewer than 10 days per month, only work accident and occupational disease insurance is generally sufficient. However, the full insurance can be provided if the employee requests it.
2. Is not registering a caregiver for insurance a crime?
Yes. Employing someone without insurance is a violation both administratively and legally. When SGK detects it, it imposes fines and retroactive premium liabilities.
3. Does listing a caregiver as a family member help?
No. Even if the caregiver is a relative, if they work for payment they must be insured. SGK imposes penalties regardless of familial relationships when it determines noncompliance.
4. Who registers the caregiver insurance?
The employer—the homeowner who hires the caregiver—performs the insurance procedures. The caregiver does not have authority to initiate the insurance registration on their own.
5. Is state support available for every caregiver?
No. State-supported programs typically require conditions such as a working mother, certain income groups and full-time employment. Requirements should be reviewed carefully before applying.
6. What happens if I miss a premium payment?
If a payment is late, SGK applies late interest. If unpaid for a long time, debt accumulates and gaps appear in the service record.
7. How are the caregiver’s insurance premiums calculated?
Premiums are calculated based on rates applied to the gross wage (for 2025, around 34.5%). For a gross salary of 26,005.50 TL, the monthly premium amounts to approximately 8,971.89 TL.
8. What happens if the person I registered as insured is not actually working?
If SGK determines during an audit that the person is not actually working, the registration is treated as fraudulent insurance. Penalties are applied and the retroactive records are removed.