--- title: Enrolling in SGK General Health Insurance as a Foreign Resident in Türkiye country: turkey service: "sgk-genel-saglik-sigortasi-foreigners-mandatory-enrollment" category: healthcare difficulty: moderate estimated_time: "Same-day notification at the local SGK office once the one-year residence threshold is crossed; e-Devlet status check available within minutes for residents already automatically registered" cost_range: "Current GSS monthly premium under Article 60(d) is 6% of the gross asgari ücret — see costs and additional items for the current figure; year-1 private-insurance substitute varies by SEDDK-licensed insurer" last_verified: 2026-05-25 canonical: https://publicservices.guide/turkey/sgk-genel-saglik-sigortasi-foreigners-mandatory-enrollment/ status: current confidence: low tags: - healthcare - insurance - mandatory - "residence-permit" - sgk sources: - https://www.sgk.gov.tr/Content/Post/146ba5fa-f757-4fc1-b316-30859c42d21e/2026-yili-icin-genel-saglik-sigortasi-prim-tutari-ne-kadardir-2026-01-06-03-44-51 - https://www.mevzuat.gov.tr/mevzuatmetin/1.5.5510.pdf - https://www.mevzuat.gov.tr/mevzuatmetin/1.5.6458.pdf - https://www.goc.gov.tr/yabancilar-icin-genel-saglik-sigortasi - https://www.turkiye.gov.tr/sgk-gss-borc-dokumu - https://www.csgb.gov.tr/poco-pages/asgari-ucret/ - https://ms.hmb.gov.tr/uploads/2018/11/%C4%B0kamet-%C4%B0zni-Taleplerinde-Yapt%C4%B1r%C4%B1lacak-%C3%96zel-Sa%C4%9Fl%C4%B1k-Sigortalar%C4%B1na-%C4%B0li%C5%9Fkin-Genelge-2014-9.docx --- # Enrolling in SGK General Health Insurance as a Foreign Resident in Türkiye **Country:** 🇹🇷 Turkey **Last verified:** 2026-05-25 **Estimated time:** Same-day notification at the local SGK office once the one-year residence threshold is crossed; e-Devlet status check available within minutes for residents already automatically registered **Cost:** Current GSS monthly premium under Article 60(d) is 6% of the gross asgari ücret — see costs and additional items for the current figure; year-1 private-insurance substitute varies by SEDDK-licensed insurer ## Required documents - **Residence permit document** *(İkamet izni belgesi)* - Required: Valid short-term, family, student, long-term, or other residence permit issued by Göç İdaresi Başkanlığı - Cost: Free at this stage (the permit itself was paid for at issuance) - _Note:_ Required as proof of legal residence and to establish the one-year clock under Article 60(d) of Law 5510. - **Foreign Identity Number** *(Yabancı Kimlik Numarası (YKN))* - Required: Eleven-digit YKN issued by Göç İdaresi - Cost: Free - _Note:_ Anchors every SGK and e-Devlet record. Dependents added to the GSS coverage list each need their own YKN. - **Private health insurance policy** *(Özel sağlık sigortası poliçesi)* - Where to get: Any Sigortacılık ve Özel Emeklilik Düzenleme ve Denetleme Kurumu (SEDDK)-licensed insurer issuing a policy compliant with Hazine ve Maliye Bakanlığı Circular 2014/9 (as updated by Circular 2021/8) - Required: Year-1 residents only — required by Göç İdaresi for issuance and renewal of short-term ikamet izni - Cost: Varies by SEDDK-licensed insurer, age, and coverage - _Note:_ Policy must carry the standard-form declaration referencing Circular 2014/9 (or 2021/8). There is no closed accredited-insurers list — any SEDDK-licensed insurer meeting the minimum-coverage baselines qualifies. - **ADNKS address record** *(Adrese Dayalı Nüfus Kayıt Sistemi address printout)* - Where to get: Printable from e-Devlet under Nüfus ve Vatandaşlık İşleri services - Required: Printout showing current Turkish address; not older than three months - Cost: Free - _Note:_ Establishes the cumulative-residence clock and determines which SGK Müdürlüğü (provincial directorate) has jurisdiction over the bildirim (notification). - **Self-declaration on foreign social-security coverage** - Required: Written statement that the applicant is not insured under another country's social-security system - Cost: Free - _Note:_ Article 60(d) excludes foreigners insured under a home-country scheme. Bilateral social-security treaties may extend home-country coverage to Turkish residence for a defined period — bring the Certificate of Coverage if applicable. - **e-Devlet credentials** *(e-Devlet şifresi)* - Where to get: PTT (postal service) branch using the residence permit and YKN - Required: Required to access the SGK and MHRS portals online - Cost: ₺5,00 one-off issuance fee charged by PTT; subject to PTT tariff revision - _Note:_ The same credentials unlock the Genel Sağlık Sigortası Tescil ve Prim Borcu Sorgulama page, the dependents query, and MHRS appointment booking. ## Costs - **SGK Genel Sağlık Sigortası monthly premium under Article 60(d):** 1981.8 TRY — Effective 1 January 2026: 6% × brüt asgari ücret (₺33.030,00) = ₺1.981,80 per month. SGK announcement: "2026 yılı için Genel Sağlık Sigortası aylık prim tutarı ₺1.981,80'dir (asgari ücretin %6'sı)." Rate revises with each asgari ücret step. - **Bildirim (notification) filing at SGK Müdürlüğü:** 0 TRY — No fee to file the Genel Sağlık Sigortası Giriş Bildirgesi in person or to check tescil status on e-Devlet. The status arises automatically on the one-year date; notification is administrative. - **Dependent registration:** 0 TRY — Adding eş, çocuk, or qualifying ana-baba dependents to the GSS record carries no fee. Verify each dependent via the e-Devlet dependents-query service after registration. - **MHRS appointment booking:** 0 TRY — Booking is free for any resident with a YKN and a valid residence record. The cost of the consultation is billed to SGK for GSS-insured patients; uninsured patients pay the hospital tariff. - **Private health insurance policy (year-1 residence permit substitute) (optional):** 0 TRY — Required for year-1 short-term ikamet izni issuance and renewal under Articles 8 and 23 of Law 6458. Premium varies by insurer, age, prior conditions, and coverage; no closed accredited-insurers list — any SEDDK-licensed insurer issuing a Circular 2014/9-compliant policy qualifies. Verify the current premium with each insurer directly. ## Steps ### 1. Confirm continuous residence and category - Check the ikamet izni belgesi (residence permit) to identify the issue and validity dates - Print the Adrese Dayalı Nüfus Kayıt Sistemi (ADNKS) address record from e-Devlet to confirm the registered Turkish address - Determine whether you are insured under Article 4 of Law 5510 (salaried, self-employed, or public officer) — if so, GSS is bundled with payroll and Article 60(d) does not apply - Confirm you are not insured under your country of origin's social-security system; if a bilateral treaty applies, prepare the home-country Certificate of Coverage > **Tip:** Article 60(d) status is ipso jure — it arises automatically on the day the cumulative-residence clock crosses one year. No application creates it; bildirim only records it. > **If this fails:** If the residence permit shows a discontinuity (a previous permit lapsed before a new one was issued), the cumulative-residence clock resets. Verify the discontinuity at the Göç İdaresi district office before assuming Article 60(d) applies. ### 2. Hold a Circular 2014/9-compliant private policy during year 1 *(Özel sağlık sigortası)* _Applies when: Year-1 residents — short-term ikamet izni holders before crossing the one-year threshold_ - Choose a SEDDK-licensed insurer offering policies that meet Hazine ve Maliye Bakanlığı Circular 2014/9 minimums (updated by Circular 2021/8) - Verify the policy carries the standard-form declaration referencing Circular 2014/9 (or 2021/8) — Göç İdaresi checks for this verbatim text - Maintain the policy for the full validity period of the ikamet izni being issued or renewed - Renew the policy on each ikamet izni extension until the one-year residence threshold is crossed > **Tip:** There is no closed accredited-insurers list. Any SEDDK-licensed insurer issuing a compliant policy qualifies — compare premiums and coverage among the active providers in the segment. > **If this fails:** If the policy is silent on Circular 2014/9 compliance, Göç İdaresi may refuse to issue or renew the ikamet izni. Ask the insurer for an updated policy carrying the standard declaration before the residence-permit appointment. ### 3. Check tescil status on e-Devlet at the one-year mark - Log in to turkiye.gov.tr using the YKN and e-Devlet şifresi - Open Genel Sağlık Sigortası Tescil ve Prim Borcu Sorgulama (turkiye.gov.tr/sgk-gss-borc-dokumu) - If the page shows tescil under Article 60(d) with a start date matching the threshold date, no in-person filing is required — proceed to premium payment - Check the dependents query (sosyal-guvenlik-genel-saglik-sigortalisinin-bakmakla-yukumlu-oldugu-aile-bireyleri-sorgulama) to see which eş, çocuk, ana, or baba are linked > **Tip:** 2026 SGK announcement: "2026 yılı için Genel Sağlık Sigortası aylık prim tutarı ₺1.981,80'dir (asgari ücretin %6'sı)." The figure shown on e-Devlet matches this rate from 1 January 2026 and updates automatically with each asgari ücret revision. ### 4. File the bildirim in person at SGK if not auto-registered *(Genel Sağlık Sigortası Giriş Bildirgesi)* _Applies when: If e-Devlet does not show tescil within a few weeks of the threshold date_ - Identify the SGK Müdürlüğü responsible for the ADNKS-registered address - Bring the ikamet izni belgesi, YKN, ADNKS address printout, passport, and a written self-declaration that you are not insured under another country's social-security system - File the Genel Sağlık Sigortası Giriş Bildirgesi at the counter — same-day processing in most directorates - The bildirim window is one month from the threshold date under Article 61 of Law 5510 > **If this fails:** If the SGK Müdürlüğü does not accept the bildirim (e.g. citing an unclear ADNKS record or missing self-declaration), correct the deficiency and resubmit within the one-month window. Premium liability runs from the threshold date regardless of filing date, but late filing exposes the resident to gecikme zammı (delay surcharge) on overdue premiums. ### 5. Pay the monthly GSS premium - Pay each month via SGK şahıs online portal (gss.sgk.gov.tr/SahisOdemeOnlineBasvuru/), bank, PTT, or e-Devlet - Set up direct debit (otomatik ödeme) at the bank or via e-Devlet to avoid missed months - Premium is owed monthly by month-end for that month's coverage; unpaid amounts accumulate as prim borcu visible in e-Devlet - Settle any prim borcu before benefits are needed — sustained non-payment suspends benefit access until the balance plus gecikme zammı is paid > **Tip:** Annual asgari ücret revisions feed directly into the GSS premium. Check the SGK premium page each January (and on any mid-year wage revision) to confirm the next month's figure. ### 6. Register dependents and use SGK-network care - Add eş, çocuk, and any qualifying ana-baba dependents to the SGK record — each foreign dependent needs a YKN and a residence permit first - Verify each dependent in the e-Devlet dependents query - Use MHRS (Merkezi Hekim Randevu Sistemi) to book appointments at Sağlık Bakanlığı hospitals, Ağız ve Diş Sağlığı Merkezleri, university hospitals, and aile sağlığı merkezleri - Patient katılım payı (co-payment) at SGK-contracted facilities is 10% on active-insured prescriptions, fixed amounts on ER and specialist visits; emergency care is unconditional > **Tip:** Coverage at SGK-contracted private hospitals carries up to a 200% ilave ücret (supplementary fee) on top of the SGK reference price. Public state hospitals and university hospitals charge no ilave ücret. ## FAQ ### When does my GSS-insured status start? Article 60(d) GSS-insured status arises automatically on the day the foreigner's cumulative legal residence in Türkiye crosses one continuous year, provided the person is not insured under Article 4 (salaried employee, self-employed, or public officer) and is not covered by their country of origin's social-security system. The status arises ipso jure on the threshold date — no application is needed to trigger it. Bildirim (notification) must be filed with SGK within one month of the threshold date under Article 61 of Law 5510. Premium liability begins on the threshold date regardless of when the notification is filed. ### What is the GSS premium in 2026? ₺1.981,80 per month — 6% of the gross asgari ücret of ₺33.030,00 in force from 1 January 2026. The 6% rate has applied since 1 December 2021, when Law 7256 amended the prior 3% rate. Each annual asgari ücret revision flows through to the premium automatically — when the minimum wage is revised mid-year (as it has been in some recent years), the GSS premium revises on the same force-date. ### Do I still need private health insurance after one year of residence? Article 60(d) GSS coverage is mandatory once the one-year residence threshold is crossed for foreigners not in Article 4 categories; the GSS premium is owed irrespective of whether a private policy is in force. Many year-2 residents drop the private policy at that point because the GSS network covers state hospitals, university hospitals, and SGK-contracted private hospitals. Some retain a private policy in parallel for access to non-SGK-contracted private hospitals with lower out-of-pocket cost; this is optional. Year-1 residents do still need private health insurance — under Articles 8 and 23 of Law 6458, every short-term ikamet izni requires a SEDDK-licensed policy meeting Circular 2014/9 minimums. ### Are my spouse and children covered automatically? Yes — Article 3(10) of Law 5510 extends coverage from the primary GSS-insured to eş (spouse) automatically while the marriage is registered, and to çocuk (children) up to age 18, up to 20 if in non-higher vocational education, up to 25 if in higher education, or lifetime if certified disabled. Foreign-national dependents must each hold a Yabancı Kimlik Numarası (YKN) and a residence permit before being added to the SGK record. For foreign-national children over 18, an educational-enrolment document is also required to extend coverage into the 18-25 window. Verify each dependent via the e-Devlet dependents-query service after enrolment. ### What about my parents? Ana-baba (parents) coverage under Article 3(10) is conditional. A parent qualifies only if the parent's tüm gelir toplamı (total income from all sources) is below the net asgari ücret, no other child of the parent is already supporting them through SGK, and the parent does not hold an independent GSS or pension entitlement. Each foreign-national parent must also hold a YKN and a residence permit before being added. Article 60(d) foreigners with a self-supporting residence permit generally meet none of the conditions on the parent's side, so parent dependence is uncommon in practice but available where the conditions are met. ### I have a work permit and a salary — do I file Article 60(d)? No. Salaried employees, company directors, self-employed persons, and public officers are insured under Article 4 of Law 5510 from day one of qualifying employment — the işveren prim (employer-side payroll contribution) bundles GSS, old-age, invalidity, survivors, and unemployment-insurance contributions in a single deduction. Eş, çocuk, and qualifying ana-baba are automatically covered as dependents. Article 60(d) applies only to foreigners not in any Article 4 category — typically students, retirees, family-permit holders, and self-supporting long-stayers. ### I'm a tourist — am I covered by GSS? No. GSS coverage under Article 60(d) requires both a Turkish residence permit and continuous legal residence exceeding one year — neither applies to a tourist. Acil sağlık hizmetleri (emergency care) is, however, provided to everyone in Türkiye irrespective of insurance status under Article 75 of Law 5510 and the Acil Sağlık Hizmetleri Yönetmeliği. Tourists facing non-emergency care pay the hospital tariff or rely on private travel insurance. Merkezi Hekim Randevu Sistemi (MHRS) appointment booking is restricted to YKN-holders with a residence record. ### How do I check whether I am already registered? Log in to e-Devlet at turkiye.gov.tr using YKN and e-Devlet şifresi, then open the Genel Sağlık Sigortası Tescil ve Prim Borcu Sorgulama service. If the page shows tescil under Article 60(d), the status has been auto-registered — only premium payment is required. If no tescil appears within a few weeks of crossing the one-year mark, file the Genel Sağlık Sigortası Giriş Bildirgesi in person at the SGK Müdürlüğü responsible for the ADNKS-registered address. The dependents-query service (sosyal-guvenlik-genel-saglik-sigortalisinin-bakmakla-yukumlu-oldugu-aile-bireyleri-sorgulama) confirms which dependents are linked. ### Is there a waiting period before benefits start? No. Article 67 of Law 5510 ties benefit entitlement under Article 60(d) to the date on which GSS-insured status begins — the threshold date itself — provided the premium for that month is paid within the statutory window. The one-month figure circulating in some popular guides reflects the bildirim (notification) window under Article 61, not a benefit-activation waiting period. Acil sağlık hizmetleri (emergency care) is universal and unconditional irrespective of any premium status. ### Can I book an MHRS appointment without SGK enrolment? Yes. Merkezi Hekim Randevu Sistemi (MHRS) booking is available to any resident with a YKN and a valid residence record — GSS-insured status is not required to book. The consultation itself is billed to SGK for GSS-insured patients and to the patient otherwise. MHRS multilingual phone booking is available via Alo 182 in Turkish, Arabic, English, and Russian; the mhrs.gov.tr portal and the MHRS Mobil app offer the same scheduling for state hospitals, Ağız ve Diş Sağlığı Merkezleri, and aile hekimi offices. ## Local tips - The one-year clock is the foreigner's cumulative legal residence in Türkiye, anchored against the Adrese Dayalı Nüfus Kayıt Sistemi (ADNKS) record. Re-registering a foreign address in ADNKS suspends Article 60(d) status. - Check e-Devlet first before going to the SGK office. Many year-2 residents are already auto-registered under Article 60(d) — the Genel Sağlık Sigortası Tescil ve Prim Borcu Sorgulama service shows the status and any premium debt without a counter visit. - Article 60(d) GSS status is not optional. Holding a private policy does not exempt the foreigner from the premium once one year of residence is crossed — many year-2 residents drop the private policy and rely on the GSS network instead. - Acil sağlık hizmetleri (emergency care) is provided to everyone in Türkiye irrespective of insurance status under Article 75 of Law 5510 and the Acil Sağlık Hizmetleri Yönetmeliği. Hospital staff settle the bill with SGK after the fact for GSS-insured patients. - Merkezi Hekim Randevu Sistemi (MHRS) appointment booking requires only a Yabancı Kimlik Numarası (YKN) and a valid residence record — GSS-insured status is not required to book. Without GSS, the consultation is billed to the patient unless paid through another insurer. ## Sources - [Sosyal Güvenlik Kurumu (SGK) — General Health Insurance premium announcement](https://www.sgk.gov.tr/Content/Post/146ba5fa-f757-4fc1-b316-30859c42d21e/2026-yili-icin-genel-saglik-sigortasi-prim-tutari-ne-kadardir-2026-01-06-03-44-51) — accessed 2026-05-25 — _T1_ — SGK 2026 announcement: "2026 yılı için Genel Sağlık Sigortası aylık prim tutarı ₺1.981,80'dir (asgari ücretin %6'sı)." The monthly GSS premium under Article 60(d) of Law 5510 is calculated as 6% of the gross asgari ücret — for 2026 (in force from 1 January 2026), 6% × ₺33.030,00 = ₺1.981,80 per month. The rate revises with each asgari ücret step, automatically and without a separate SGK announcement. - [Mevzuat Bilgi Sistemi — Law 5510 (Sosyal Sigortalar ve Genel Sağlık Sigortası Kanunu) consolidated text](https://www.mevzuat.gov.tr/mevzuatmetin/1.5.5510.pdf) — accessed 2026-05-25 — _T1_ — Article 60(d) of Law 5510 makes foreign nationals holding a Turkish residence permit compulsory GSS-insureds once their continuous legal residence in Türkiye exceeds one year, provided they are not insured under Article 4 (4/a salaried, 4/b self-employed including the former BAĞ-KUR self-employed regime, or 4/c public officer) and not insured under their country of origin's social-security system. Article 61 sets the bildirim (notification) window of one month from the threshold date. Article 67 ties benefit entitlement to the date GSS-insured status begins, with no separate benefit-activation waiting period. Article 3(10) defines dependents; Article 75 establishes universal emergency care entitlement irrespective of insurance status. Articles 80–82 govern premium-base earnings. - [Mevzuat Bilgi Sistemi — Law 6458 (Yabancılar ve Uluslararası Koruma Kanunu) consolidated text](https://www.mevzuat.gov.tr/mevzuatmetin/1.5.6458.pdf) — accessed 2026-05-25 — _T1_ — Law 6458 governs the residence-permit precondition for Article 60(d) of Law 5510 — not the GSS-insurance status itself. Article 8 conditions visa issuance on valid health insurance covering the planned stay; Article 23 conditions issuance of a short-term ikamet izni on health-insurance coverage; Article 42 establishes the long-term residence permit after eight uninterrupted years of legal residence. The private health-insurance requirement during year 1 of a short-term ikamet izni derives from Articles 8 and 23 of Law 6458, operationalised through Hazine ve Maliye Bakanlığı Circular 2014/9 (updated by Circular 2021/8). - [Göç İdaresi Başkanlığı — General Health Insurance for foreigners](https://www.goc.gov.tr/yabancilar-icin-genel-saglik-sigortasi) — accessed 2026-05-25 — _T1_ — Foreigners holding a Turkish residence permit whose residence has exceeded one year become GSS-insureds under Article 60(d) of Law 5510, provided they are not covered as salaried employees, self-employed, public officers, or under another country's social-security system. The status arises automatically on crossing the one-year mark; bildirim (notification) is filed at the local SGK Müdürlüğü. Foreigners in short-term ikamet izni during year 1 must hold a private health-insurance policy meeting the Hazine ve Maliye Bakanlığı Circular 2014/9 minimum-coverage standard; the policy must accompany every ikamet izni issuance and renewal application during the year-1 period. - [e-Devlet — Genel Sağlık Sigortası Tescil ve Prim Borcu Sorgulama](https://www.turkiye.gov.tr/sgk-gss-borc-dokumu) — accessed 2026-05-25 — _T1_ — The e-Devlet GSS Tescil and Premium Debt Inquiry service allows GSS-insureds to verify whether they are registered under Article 60(d), check current premium status and any prim borcu, and access historical premium statements. Authentication is by YKN and e-Devlet şifresi. The dependents-query service (Genel Sağlık Sigortalısının Bakmakla Yükümlü Olduğu Aile Bireyleri Sorgulama) lets the primary insured verify which eş, çocuk, ana, or baba are linked to the SGK record after enrolment. - [Çalışma ve Sosyal Güvenlik Bakanlığı — Asgari Ücret table](https://www.csgb.gov.tr/poco-pages/asgari-ucret/) — accessed 2026-05-25 — _T1_ — The 2026 brüt asgari ücret (gross minimum wage) is ₺33.030,00 per month effective 1 January 2026, with daily gross ₺1.101,00 and net of ₺28.075,50 after statutory deductions. The 6% GSS premium for Article 60(d) insureds is calculated mechanically against this gross base — ₺33.030,00 × 0,06 = ₺1.981,80 per month — matching the SGK premium announcement. The base revises annually (typically January, occasionally mid-year). - [Hazine ve Maliye Bakanlığı — Circular 2014/9 (İkamet İzni Taleplerinde Yaptırılacak Özel Sağlık Sigortalarına İlişkin Genelge)](https://ms.hmb.gov.tr/uploads/2018/11/%C4%B0kamet-%C4%B0zni-Taleplerinde-Yapt%C4%B1r%C4%B1lacak-%C3%96zel-Sa%C4%9Fl%C4%B1k-Sigortalar%C4%B1na-%C4%B0li%C5%9Fkin-Genelge-2014-9.docx) — accessed 2026-05-25 — _T1_ — Circular 2014/9 dated 6 June 2014, updated by Circular 2021/8 dated 16 June 2021, sets the minimum-coverage baselines for the private health-insurance policy that Göç İdaresi requires for short-term ikamet izni issuance and renewal. The policy must carry the standard-form declaration referencing Circular 2014/9 (or 2021/8) verbatim. Coverage minimums include inpatient cover at or above the prescribed limit, geographic scope of Türkiye only, and duration covering the full validity period of the ikamet izni being issued. There is no closed accredited-insurers list — any SEDDK-licensed insurer issuing a compliant policy qualifies. --- Verification pending — see the canonical page for the latest trust state. Canonical: https://publicservices.guide/turkey/sgk-genel-saglik-sigortasi-foreigners-mandatory-enrollment/