Supplementary Health Insurance Guide: Coverage Beyond Public Health

In Turkey, Social Security Institution (SGK) coverage gives millions access to healthcare. Yet at private hospitals, co-payments and services SGK does not fully cover can add up quickly. Supplementary health insurance (TSS) is designed to close that gap.

What Is Supplementary Health Insurance?

TSS applies at private hospitals contracted with SGK. SGK pays its share first; your insurer covers the remaining eligible amount within policy limits.

Who Should Consider It?

• SGK members and retirees who prefer private hospital networks.
• Families — family policies often offer better per-person rates.
• People with chronic conditions requiring regular check-ups and tests.
• Busy professionals who value shorter waiting times.

What Does a Typical Policy Cover?

1. Outpatient care (consultations, lab tests, imaging).
2. Inpatient care (surgery, intensive care, room differentials).
3. Emergency services.
4. Some policies add dental, vision, or check-up packages.

Always review the hospital network, waiting periods, and annual limits — premium alone is not enough to compare policies.

How It Differs From Private Health Insurance

Private health insurance does not require SGK and offers broader coverage at a higher price. TSS requires active SGK membership but delivers affordable access to private hospitals. Individuals without SGK should look at private health or travel health products instead.

Seven Questions Before You Buy

• Is the hospital network strong in your city?
• Which treatments activate after the waiting period (often 3 months)?
• Are pre-existing conditions excluded?
• What are the annual and sub-limits?
• Are there co-payments for outpatient or inpatient care?
• Is renewal guaranteed, and is there an age cap?
• Are maternity or dental/vision riders included?

How Premiums Are Calculated

Rates depend on age, gender, city, benefit package, and health history. For young, healthy individuals, annual premiums are often very accessible. At Karun Insurance we help you compare TSS quotes from multiple insurers side by side.

Choosing the right policy helps you avoid financial stress in a medical emergency. Get a quote today and let our team find the package that fits your needs.