Complementary health insurance (tamamlayıcı sağlık sigortası) covers the difference fees you would normally pay at contracted private hospitals while you are covered by SGK, Turkey's social security institution. In practice: you see specialists, get tests, and have surgery at private hospitals — paying only a small participation fee per visit.
Because it works on top of SGK, premiums are far lower than full private health insurance, which makes it one of the most popular products we arrange.
What Does It Cover?
Who Is It For?
- Employees and self-employed people actively covered by SGK
- Families who want private hospital comfort without private-insurance prices
- Foreign residents registered with SGK (conditions apply — ask us)
Why NEP Sigorta?
We compare offers from the insurers we represent and find the coverage that genuinely fits you — explained clearly, in English. When something happens, we manage the claim on your behalf.
- We match you to the insurer whose hospital network fits where you actually live
- We explain waiting periods and coverage limits clearly before you buy
- We handle renewals and claims questions year after year
The Key Detail: Hospital Network
The best complementary policy is the one whose contracted hospital list includes the hospitals you would actually use in Antalya. Before recommending a plan we check the current network of each insurer around your neighborhood — a step most people skip and later regret.
Frequently Asked Questions
Do I need to be covered by SGK to buy this?
Yes. Complementary health insurance works on top of active SGK coverage; the policy pays the private-hospital difference fees that SGK does not.
Can foreigners get complementary health insurance?
Foreign residents who are registered with SGK (for example through employment or voluntary registration) can usually be covered. Requirements vary by insurer — message us and we will check your situation.
Are there waiting periods?
Some benefits, such as maternity, have waiting periods defined in the policy. We go through these with you before you commit.
Which hospitals can I use?
Each insurer has its own contracted network. We compare networks around where you live and work before recommending a plan.
How much does it cost?
Premiums depend on age and the plan's scope. Because it builds on SGK, it is significantly cheaper than full private health insurance — send us your date of birth for a same-day quote.