Both give you access to healthcare at private hospitals; the key differences are their link to SGK and the breadth of their coverage.
Both individual health insurance and complementary health insurance give you access to healthcare at private hospitals. The key difference between them, however, lies in their link to SGK (the Turkish Social Security Institution) and the breadth of their coverage.
Difference in coverage
- Individual Health Insurance: Anyone can take it out, whether or not they are covered by SGK. Its scope is very broad and can include many benefits such as examinations, laboratory tests, surgery, maternity, dental, eye care and check-ups. The insurance company covers your healthcare costs at its contracted private hospitals up to your policy limit.
- Complementary Health Insurance: Available only to people covered by SGK. It is designed to pay the difference fee above the amount SGK covers, allowing you to receive healthcare at SGK-contracted private hospitals without paying the difference fee.
Where it is valid
| Type of insurance | Hospitals where it is valid |
|---|---|
| Individual Health Insurance | All private hospitals contracted with the insurance company, whether or not they have an SGK agreement |
| Complementary Health Insurance | Only SGK-contracted private hospitals |
In other words, individual health insurance has a wider hospital network.
Difference in premium (price)
- Individual Health Insurance: Because its coverage is broad, premiums are higher. In return, it protects you at private hospitals even if you are not covered by SGK.
- Complementary Health Insurance: Because it works alongside SGK, it is more affordable. As SGK covers a large part of the healthcare costs, the insurance company pays only the difference fee.
Value for money comparison
| Criterion | Individual Health | Complementary Health |
|---|---|---|
| Coverage | Broad (open to everyone) | Limited (for SGK members only) |
| Hospital network | Wider | SGK-contracted hospitals |
| Premium | Higher | More affordable |
| Flexibility of cover | High | Standard |
| Who it covers | Everyone, with or without SGK | SGK members only |
| Advantage | Comprehensive private health cover | Private hospital comfort at an affordable cost |
Which one should you choose?
When choosing, consider your income level, your healthcare needs and your SGK status:
- If you are covered by SGK and want affordable care at private hospitals: Complementary Health Insurance
- If you are not covered by SGK, or you want broader cover and a free choice of hospital: Individual Health Insurance
Your health is in safe hands with SigortaMobil
With a wide network of contracted private hospitals, flexible policy options, fast claims processes and affordable premiums, SigortaMobil is by your side for both types of policy. Work with our advisors to find the health insurance plan that best fits your budget and lifestyle.