Family & Dependent Coverage: What You Need to Know
Last updated: 9 October 2025
TL;DR
This guide summarizes the key points about family & dependent coverage: what you need to know. Use the table of contents to jump to a section.
Table of Contents
Who Can Be Covered?
Many insurers allow family members to join a single policy. In Aksigorta’s plans, any resident aged 0–60 can be a policy holder; children under 18 must be covered under an adult’s plan【125686836929988†L90-L92】. Discounts may apply for family policies, cash payment or provincial offers【125686836929988†L101-L104】. Dependents can include spouses, children and sometimes parents.
Adding Dependents
Our Health Premium Calculator adds 25% to the base premium for each dependent. When enrolling, you must provide identity documents and medical histories. Waiting periods may apply for certain treatments, particularly outpatient care and maternity【125686836929988†L106-L112】.
Tips
Review insurer policies for age limits on dependents. Some providers stop family coverage after the dependent turns 25 unless they are students. Compare the total cost of separate policies versus a family plan and consider whether dependents need full coverage or supplemental TSS.
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
- Eligibility and age limits【125686836929988†L90-L92】
- Family discounts and waiting periods【125686836929988†L101-L112】