Common Mistakes When Buying Insurance Online
Last updated: 9 October 2025
TL;DR
This guide summarizes the key points about common mistakes when buying insurance online. Use the table of contents to jump to a section.
Table of Contents
- Not Checking Pre‑Existing Condition Coverage
- Buying a Domestic‑Only Policy
- Ignoring Maternity and Evacuation
- Not Being Honest on Applications
- Choosing the Cheapest Plan
Not Checking Pre‑Existing Condition Coverage
A common mistake is failing to ensure that your plan covers pre‑existing medical conditions. Many insurers exclude such conditions or charge higher premiums. It’s vital to disclose your medical history and confirm coverage【17535812778534†L77-L92】. Group plans with many members may offer more generous coverage than individual plans.
Buying a Domestic‑Only Policy
Expats sometimes choose domestic policies that do not cover treatment outside the home country. These plans may restrict access to private hospitals or not provide medical evacuation. Instead, look for international health plans that cover you locally, regionally and globally【17535812778534†L105-L120】.
Ignoring Maternity and Evacuation
Assuming you won’t need maternity or emergency evacuation coverage can lead to huge bills. Maternity care has long waiting periods and must be included well before conception【17535812778534†L133-L147】. Medical evacuation is also essential if you live in areas with limited facilities【17535812778534†L152-L159】.
Not Being Honest on Applications
Misrepresenting your health history can void your policy. Insurers often verify medical records and may deny claims if you fail to disclose conditions【17535812778534†L192-L201】. Always provide accurate information to avoid cancellation.
Choosing the Cheapest Plan
The cheapest plan may have low limits and strict exclusions. Evaluate benefits, co‑pays and deductibles rather than price alone【17535812778534†L164-L171】. Seek professional advice if unsure.
Frequently Asked Questions
Who regulates health insurance in Turkey?
The Social Security Institution (SGK) oversees compulsory health insurance for residents【709035627920171†L116-L132】. Private insurers offer supplemental plans.
What is the waiting period for maternity coverage?
Many insurers require that maternity coverage be part of a broader health plan and may impose a waiting period; one provider notes a 5‑month wait before pregnancy for full cover【125686836929988†L114-L188】.
Do I need travel insurance for a Schengen visa?
Yes. You must provide travel health insurance with at least €30,000 in medical coverage for Schengen visa applications【856552496298626†L119-L160】.
Are earthquakes covered by property insurance?
Compulsory Earthquake Insurance (DASK) protects structural elements of your home against earthquake damage【389714370070008†L38-L68】. Movable property and loss of rent are excluded【389714370070008†L69-L80】.
Sources
- Pre‑existing condition coverage issues【17535812778534†L77-L92】
- Domestic versus international policy pitfalls【17535812778534†L105-L120】
- Maternity and evacuation importance【17535812778534†L133-L147】【17535812778534†L152-L159】
- Honesty on applications【17535812778534†L192-L201】
- Avoiding cheapest plans【17535812778534†L164-L171】