Maternity & Newborn Insurance Options
Last updated: 9 October 2025
TL;DR
This guide summarizes the key points about maternity & newborn insurance options. Use the table of contents to jump to a section.
Table of Contents
Maternity Coverage
Maternity coverage in Turkey is typically offered as an add‑on to a health policy and cannot be purchased alone【125686836929988†L114-L118】. Insurers set age limits (18–50 years) and impose a waiting period; for example, Aksigorta requires pregnancy to occur at least five months after the policy start【125686836929988†L179-L187】. Coverage usually includes routine prenatal check‑ups, delivery and certain newborn tests.
Newborn Benefits
The mother’s remaining maternity coverage can apply to newborn expenses such as blood tests, metabolic screening, bilirubin test, hearing test and vaccinations【125686836929988†L190-L203】. If the policy has limited maternity coverage, a separate infant limit may apply (e.g., 1,000 TL)【125686836929988†L204-L211】.
Tips for Expecting Families
Plan ahead: If you intend to start a family, purchase a health policy with maternity coverage well before conception. Compare limits, waiting periods and included services. Note that some international plans cover childbirth abroad. For newborns, apply for coverage immediately after birth to avoid gaps.
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
- Maternity coverage rules and waiting periods【125686836929988†L114-L118】【125686836929988†L179-L187】
- Newborn benefits included in maternity plans【125686836929988†L190-L204】