Written by Legal Advisor
Family health insurance in Turkey for foreigners and expatriates is commonly structured by issuing individual policies for each family member under one coordinated agreement. This approach ensures that every person holds a valid and legally compliant policy while allowing the entire household to be managed efficiently under a single file. For many residents and expat families, this is the most practical way to secure affordable family health insurance in Turkey while meeting residence permit requirements.
Leading health insurance companies and providers now offer affordable insurance packages designed for families to reduce overall costs when spouses and children are insured together. With these family pricing incentives, households can often lower their total premium by approximately 10–20% or more compared to purchasing separate standalone policies. This makes comparing family health insurance plans in Turkey especially important for those seeking both compliance and cost efficiency.
However, coverage levels and policy limits can vary significantly between basic and comprehensive plans. Before choosing a provider, families should carefully review inpatient limits, outpatient coverage, co-payments, exclusions, emergency care provisions, and any waiting periods to ensure the selected policy truly meets their needs.
Affordable family health insurance list in Turkey 2026
1. DEMIR Sigorta
|
Age Group |
1 Year Price (₺) |
2 Years Price (₺) |
|
0–15 |
5,230 |
13,074.61 |
|
16–25 |
2,910 |
7,274.78 |
|
26–35 |
2,970 |
7,424.78 |
|
36–45 |
4,520 |
11,299.66 |
|
46–50 |
5,300 |
13,249.60 |
|
51–55 |
5,450 |
13,624.59 |
|
56–60 |
7,500 |
18,749.44 |
|
61–65 |
13,500 |
33,748.99 |
Prices shown are for individual policies. When insuring 2–4 family members together, total premiums are typically reduced by approximately 15–25% compared to separate individual purchases, depending on coverage selection.
Demir Sigorta is a well-established Turkish insurance company that provides private health insurance plans suitable for foreigners living in Turkey.
Their policies cover inpatient and outpatient care, doctor visits, diagnostic tests, and medications at participating hospitals and clinics across the country.
Many people choose Demir Sigorta for its wide network of hospitals, competitive pricing, and reliable service.
It is particularly suitable for families, as policies can be issued for each family member under the same arrangement, effectively creating a coordinated family health insurance plan that ensures all members are covered.
Demir offers attractive family-focused features. Their Family Plan discounts allow significant premium reductions when spouses and children are bundled under a single policy.
Demir includes complimentary services that help families save on routine care. These often include annual dental and vision check-ups, one comprehensive VIP health screening per year, and initial consultations with psychologists or dietitians at no extra cost.
2. GULF Sigorta
|
Age Group |
1 Year Price (₺) |
2 Years Price (₺) |
|
0–5 |
5,300 |
13,091 |
|
6–16 |
5,300 |
13,250 |
|
17–25 |
2,900 |
7,163 |
|
26–30 |
2,980 |
7,718.20 |
|
31–35 |
3,000 |
7,710 |
|
36–40 |
4,550 |
10,874.50 |
|
41–45 |
4,550 |
11,329.50 |
|
46–50 |
5,365 |
13,358.85 |
|
51–55 |
5,400 |
13,662 |
|
56–60 |
7,325 |
18,825.25 |
|
61–64 |
10,120 |
26,615.60 |
|
65–69 |
15,950 |
41,948.50 |
These rates apply to individual policies. Family applications may benefit from estimated savings of around 10–20% or more on the total combined premium, depending on plan structure.
GULF Sigorta is a cost-effective Turkish insurer that offers basic health insurance plans for expatriates and foreigners.
Their coverage includes essential medical services such as outpatient visits, hospital treatment, and legally required minimum coverage for residency permits. GULF Sigorta is ideal for those who prioritize affordability while still maintaining legal compliance.
Families can benefit from their plans by issuing individual policies for each member, providing a simple and practical family coverage solution.
If you want a more premium, tech-friendly experience with a stronger international backing and a smoother approval process in top-tier hospitals.
3. Sompo Sigorta
|
Age Group |
1 Year Price (₺) |
2 Years Price (₺) |
|
0–5 |
1,725 |
3,450 |
|
6–17 |
2,300 |
4,600 |
|
18–25 |
1,265 |
2,530 |
|
26–30 |
1,380 |
2,760 |
|
31–35 |
1,495 |
2,990 |
|
36–40 |
1,955 |
3,910 |
|
41–45 |
2,415 |
4,830 |
|
46–50 |
3,393 |
6,786 |
|
51–55 |
3,623 |
7,246 |
|
56–60 |
4,773 |
9,546 |
|
61–64 |
4,773 |
9,546 |
|
65–70 |
7,500 |
15,000 |
Listed prices are per individual. Coordinated family policies can result in overall savings of approximately 10–20%, especially when coverage modules are customized.
Sompo Sigorta, the Turkish branch of a major international insurance group, provides comprehensive health insurance solutions for foreign residents.
Their plans often include extensive inpatient and outpatient care, emergency services, and flexible coverage options depending on the policy selected.
People choose Sompo Sigorta for its strong reputation, global experience, and high-quality customer support. Family coverage is well-supported, as multiple individual policies can be coordinated under one plan, giving families access to broader and more advanced medical services.
Sompo Sigorta stands out for its "Japanese Precision" and innovative Family Protection packages. Unlike others, Sompo often bundles health insurance with home assistance services (like emergency plumbing or locksmiths) and personal accident coverage.
Their Complementary Insurance (Tamamlayıcı) is highly rated for those with SGK, offering seamless approvals and a high-tech mobile app for digital consultations.
4. Ankara Sigorta
Ankara Sigorta is a traditional Turkish insurance company offering a range of products, including health insurance for expatriates. Their plans provide standard medical coverage within Turkey, covering doctor visits, outpatient and inpatient services in network facilities. Ankara Sigorta is a reliable choice for those seeking flexible, basic health coverage. Families can arrange coverage for multiple members under a single group file, making it a practical option for family health insurance without unnecessary complexity.
5. Hepiyi Sigorta
Hepiyi Sigorta is a newer Turkish insurance provider included among the partners of Alo İkamet Sigorta. The company focuses on affordable health insurance plans that meet the minimum legal requirements for residency permits in Turkey. Their coverage includes essential inpatient and outpatient medical services. Hepiyi is particularly suitable for families with budget considerations, as policies can be issued for each member individually, ensuring that all family members receive the required health coverage while keeping costs manageable.
How to Choose Your Affordable Health Insurance Company?
|
Company |
Family Savings Model |
Key Advantage |
|
Demir Sigorta |
Stacked family discounts + complimentary check-ups |
Added value through preventive services |
|
Sompo Sigorta |
Customizable modular coverage |
Flexible family protection |
|
GIG (Gulf) Sigorta |
Multi-member pricing efficiency |
Wide hospital network & expat support |
|
Ankara Sigorta |
Flexible structured plans |
Simple and manageable coverage |
|
Hepiyi Sigorta |
Digital-first economy packages |
Affordable legal compliance |
Choosing the right family health insurance in Turkey comes down to understanding the coverage options and taking advantage of available family-focused benefits. Each major provider offers unique ways to help families save while ensuring legal compliance and reliable access to care
Secure Your Family’s Health in Turkey Hassle-Free and Fast
Choosing the right family health insurance in Turkey can save you thousands of liras annually!
At Aloikametsigorta, we work directly with trusted and affordable insurance providers offering extensive hospital networks across Turkey, including Demir, GIG (Gulf), Sompo, Ankara, and Hepiyi Sigorta. We help families obtain health insurance in Turkey entirely online — quickly, smoothly, and without complications.
Our cost-effective plans are tailored to your family size and specific needs, with access to competitive pricing and available family discounts. Whether you are applying for a residence permit or simply seeking reliable private coverage, we streamline the entire process from comparison to policy issuance.
All policies comply with Turkish insurance regulations and residency requirements.
Apply today through our online health insurance platform, compare prices instantly, and secure your family’s coverage within minutes. Protecting your loved ones in Turkey has never been easier.
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