Complementary Health Insurance (TSS) covers the top-up fee charged by private hospitals that have an agreement with the Turkish Social Security Institution (SGK). SGK pays for the treatment it covers, and your TSS policy pays the hospital's additional charge within the policy scope and limits.
Its premium is markedly lower than full private health insurance, which makes it one of the most efficient health solutions for a family budget. The basic requirements are active SGK cover and a hospital contracted both with SGK and with your insurer. We compare insurers' TSS plans, provider networks and extra benefits for you.
What is covered?
- Inpatient: surgery, hospitalisation, intensive care
- Outpatient: consultations, tests, imaging (limited)
- Physiotherapy sessions
- Chemotherapy and radiotherapy
- Ambulance service
- Maternity cover (depending on the plan)
Optional add-on covers
- Check-up programme
- Maternity cover and routine pregnancy check-ups
- Dental check-up and dental packages
- Lifetime renewal guarantee (plan dependent)
- Different plans and networks for family members on the same policy
- Outpatient add-on package
- Online doctor service
What you should know
TSS cannot be used at hospitals without an SGK agreement. Outpatient cover is usually granted with an annual number of visits or a limit; we size it to your needs.
Aesthetic procedures, conditions that existed before the policy and treatment within waiting periods are generally excluded. The exact exclusions are set out in the plan's special conditions.
Insurers differentiate their TSS plans with extra benefits. For example, the TSS product of Quick Sigorta, one of the insurers we represent, includes a check-up, maternity cover and routine pregnancy check-ups, a dental check-up for ages 1 and over, a lifetime renewal guarantee and the option of different plans and networks on the same policy; children under 18 can also be insured on their own. As details vary by plan, we compare them side by side.
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Frequently asked questions
No; it works at private hospitals contracted both with SGK and with your insurer. We check the provider list with you before the policy is issued.
No, TSS works on top of SGK. For people without SGK cover, full private health insurance is the right solution.
With some insurers, yes. For example, Quick Sigorta's TSS product allows children under 18 to be insured on their own. We check insurers' current conditions for you.
No — the premium is the price of the risk. However, claim-free years may earn a renewal discount with some insurers.
The information on this page is for general guidance and does not replace policy wording. Scope of cover, limits, deductibles and exclusions are determined by the general and special conditions of the insurer you choose.