This health insurance calculator is provided by Hesapstan to estimate monthly and annual private health insurance premium ranges in Turkey based on age, plan level, hospital network, region, coverage type and gender. It does not generate an insurer quote, SGK premium calculation, complementary health insurance price or residence insurance result.
What does this health insurance calculator estimate?
This tool shows an estimated monthly and annual premium range for private health insurance in Turkey. It uses age, plan level, hospital network, region, coverage type and gender as scenario factors that can influence private insurer pricing.
The result is not a purchase quote and not a policy approval. Real premiums depend on the insurer, health declaration, pre-existing conditions, waiting periods, hospital contracts, limits, outpatient usage, maternity benefits, campaign terms and acceptance rules.
This is not an insurer quote; it is an estimated private health insurance premium range based on the selected inputs. A real quote must be requested from an insurer or intermediary.
What is private health insurance in Turkey?
Private health insurance is a voluntary insurance product that may cover treatment expenses at private hospitals or contracted medical institutions within the limits and exclusions of the policy. Not all policies cover the same hospitals, services or limits.
It is not a state social-security premium. An insurer may assess medical history, request health declarations, exclude certain conditions, apply waiting periods or decline an application.
A cheap policy may have a narrow hospital network, low outpatient limits, co-payment, waiting periods or important exclusions. The premium alone is not enough for comparison.
Private, complementary and residence health insurance
These products are frequently confused. Private health insurance is a broader insurer-priced policy. Complementary health insurance usually works together with SGK in contracted private hospitals. Residence or foreigner health insurance is often tied to residence-permit documentation and may provide more limited protection.
- Private health insurance: voluntary insurer-priced health policy.
- Complementary health insurance: generally SGK-linked and institution-network dependent.
- Residence/foreigner insurance: often used for immigration documentation and may be limited.
- This calculator estimates private health insurance only.
Inpatient and outpatient coverage
Inpatient coverage relates to hospitalization, surgery, intensive care and major medical expenses. Outpatient coverage may include doctor visits, tests, imaging and short procedures that do not require hospitalization.
Inpatient-only policies are usually cheaper because routine consultations and tests may be outside the scope. Inpatient + outpatient plans are more practical for frequent use, but they generally raise the premium range.
Outpatient benefits may be limited by visit count, annual limit, co-payment, insurer share or contracted hospital list. Always read the policy terms.
Why does the hospital network matter?
The hospital network determines which private hospitals or medical institutions can be used under the policy. A narrow network can reduce the price but may limit access. A wider network may include major private hospitals and increase the premium.
Two policies with the same age and coverage type can differ sharply in price because their hospital networks differ. The user should check whether the hospitals they actually plan to use are included.
How age affects private health insurance
Premiums generally increase with age because expected medical costs rise. After age 50, and especially after 60, insurer acceptance and pricing conditions can become more restrictive. Some insurers may request additional documents, medical checks or special terms.
This calculator uses age-based scenario factors. Actual insurer models are not identical, so the result should be read as a planning range before quote comparison.
Region and city effect
Private healthcare costs can vary by city. Plans with broad private-hospital networks in Istanbul can be more expensive than plans in lower-cost regions. Ankara, Izmir and other large cities may also differ from smaller cities.
The region field is a scenario factor, not an official tariff zone. Even within the same city, insurer network, hospital list and policy terms can change the price.
Gender, maternity and pregnancy coverage
Some health insurance products can price maternity or pregnancy-related benefits differently, especially for women in certain age groups. This is not a universal official rule; it depends on insurer, product, plan and whether maternity coverage is included.
The calculator treats gender as a limited scenario factor only. It should not be understood as automatically including maternity coverage.
Pregnancy follow-up, delivery, newborn coverage and maternity benefits can be subject to waiting periods, limits or separate plan conditions.
Waiting periods and pre-existing conditions
A waiting period means some benefits may not be usable immediately after the policy begins. Surgery, maternity, certain chronic illnesses or special treatments can be subject to waiting periods.
Pre-existing conditions are health problems that existed before the policy start. Insurers may exclude them, request extra premium, impose special conditions or reject the application. This calculator does not evaluate medical acceptance.
Past surgeries, chronic disease, regular medication and medical history can affect acceptance and coverage more than the basic premium estimate.
Why there is no single health insurance price
Private health insurance in Turkey has no single official price table for all users. Insurers price policies according to their own risk rules, hospital contracts, benefit limits and campaigns.
- Narrow and wide networks produce different prices.
- Inpatient-only and inpatient + outpatient plans differ.
- Age, medical history and limits can change the quote.
- Different insurers may price the same profile differently.
How to read the result
The monthly range shows an approximate monthly budget for the selected scenario. The annual range is the same scenario multiplied over 12 months. A range is used because real pricing can differ meaningfully between insurers and policies.
Use the result as a pre-quote planning tool. It helps clarify whether the desired plan level, hospital network and coverage type are likely to fit your budget before requesting offers.
When should you request a real offer?
You should request real quotes before buying any policy. This is especially important for users over 45, people with chronic conditions, users who need maternity coverage, those who require a wide private hospital network, and foreigners who need residence-related insurance.
This calculator provides insurance-planning information. Coverage eligibility, medical acceptance and policy suitability must be confirmed with an insurer, intermediary or qualified advisor.
Frequently Asked Questions
Does this calculator give a real insurer quote?
No. It shows an estimated range for private health insurance. A real quote depends on insurer underwriting and policy terms.
Is this an SGK premium calculator?
No. It is not an SGK, complementary insurance or residence insurance calculation. It is for private health insurance scenarios.
What is the difference between inpatient and outpatient coverage?
Inpatient coverage relates to hospitalization and major treatment. Outpatient coverage may include doctor visits, tests and short procedures.
Why does hospital network affect price?
A wider hospital network may include more expensive private hospitals, which can increase the premium.
Is maternity coverage included?
Not automatically. Maternity and pregnancy-related benefits must be checked separately in the policy.
Are pre-existing conditions included?
Not necessarily. Insurers may exclude, surcharge or decline pre-existing conditions after medical review.
Is complementary health insurance the same as private health insurance?
No. Complementary insurance generally works with SGK, while private health insurance is a different insurer-priced product.
Why is the result a range?
Because there is no single official price table. Insurer, network, limits and health history can change the premium.