How to File a Health Claim Step‑by‑Step
Last updated: 9 October 2025
TL;DR
This guide summarizes the key points about how to file a health claim step‑by‑step. Use the table of contents to jump to a section.
Table of Contents
Gather Documentation
When you receive medical treatment, collect all invoices, prescriptions and medical reports. For treatments at non‑contracted institutions, Aksigorta advises paying first and then requesting a refund; the reimbursement will reflect policy limits and deductibles【125686836929988†L120-L131】. At contracted institutions, no deductible is paid【125686836929988†L133-L137】.
Submit Your Claim
Most insurers allow online claims submission. Fill out the claim form, attach scanned documents and send within the timeframe specified in your policy (often 30 days). Keep copies of everything you submit. For SGK reimbursements, visit your local SGK office with your invoices.
Follow Up
If you haven’t heard back within the expected processing time, contact your insurer’s claims department. Provide claim reference numbers. For large or complicated claims, consider working with an insurance broker to ensure proper documentation.
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
- Non‑contracted vs contracted institution reimbursement process【125686836929988†L120-L131】【125686836929988†L133-L137】