Private vs Supplemental (TSS) Insurance Explained
Last updated: 9 October 2025
TL;DR
This guide summarizes the key points about private vs supplemental (tss) insurance explained. Use the table of contents to jump to a section.
Table of Contents
Private Health Insurance
Private health insurance policies in Turkey give access to private hospitals, shorter wait times and broader specialist networks【989925432037382†L71-L76】. Premiums vary depending on age, city and plan tier, and policies may include options like dental or optical coverage. When considering private insurance, look at network hospitals and whether the plan is portable abroad. Some plans provide international coverage for expats and frequent travellers【989925432037382†L78-L89】.
Supplemental (TSS) Coverage
Top‑Up health insurance (Tamamlayıcı Sağlık Sigortası – TSS) supplements SGK coverage by paying the portion not reimbursed by SGK when you use contracted private hospitals. TSS policies are typically more affordable than full private plans because they only cover the difference between SGK reimbursement and private hospital fees. They are ideal for those who primarily use public healthcare but want the option of private facilities for certain treatments.
Comparison and Choosing
Private insurance offers comprehensive coverage at a higher cost, while TSS is a budget‑friendly way to access private hospitals without paying full fees. Evaluate how often you use healthcare services, whether you need coverage abroad and your budget. Pairing SGK with TSS can strike a balance between cost and access.
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
- Private insurance benefits and coverage【989925432037382†L71-L76】
- Expat and international coverage options【989925432037382†L78-L89】
- SGK and public coverage reference【709035627920171†L116-L132】