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Old 16th June 2016, 04:00   #1 (permalink)
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Health Insurance

I have been on SSK/SGK health insurance, and have kept it going to aid getting Residency. Now I have Long Term Residency I am wondering if there is a better deal.

As a single person I am paying equivalent of 1000 pa for the TR government scheme. My GP in Turkey strongly hints that it is not worth it for someone in good health with no "conditions" and under 65. I am slightly nervous about getting off SSK because getting back on to it as I get older may be more problematic.

I want something in case of accident or a "condition" developing, but what is out there worth considering?


Ian
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Old 16th June 2016, 06:15   #2 (permalink)
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Re: Health Insurance

Ian , i have recently been diagnosed with several " heart conditions " which are currently being sorted out. The consulatant told me that 30% of sufferers have absolutely no symptoms whatsoever and are totally shocked at being diagnosed.

The lovely Lady who carried out my echocardiagram also said the every day half the people who come in for scans only had their problem picked up owing to wellman and woman checks.

I truly trust that you are in the rudest of good health Ian , and remain so , but this has really shaken me , so far with the checks , consultations etc, i am sure it would have cost me a fortune , even in relatively inexpensive Turkey.

I now have a medicine cabinet with more meds than Halfords have bicycles and fluorescent tabards.

I am certain that as a thinking rational man you will consider your choices carefully.

I wish you all the very best in your deliberations.

Steve
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Old 16th June 2016, 06:54   #3 (permalink)
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Re: Health Insurance

I wish you well. You make a good point - having nothing is not an option, I will surely need it the next day after it expired!

Although very expensive, the TR SSK does not have any exclusions, and after 65 is not going to increase my premiums. And it is only expensive when you are well; I am sure if I go down with something it will seem very cheap.

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Old 16th June 2016, 07:44   #4 (permalink)
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Re: Health Insurance

Ian,

I would stick with the SGK if I were you. My personal thoughts on the matter are that private insurance seems fraught with danger, due to clauses and small print that could trip you up in the future. Plus in times of serious or sudden illness do you really want to be dealing with a hospital of your choice and your private insurance company? You may recall that my father had an emergency quadruple bypass operation in Turkey, we paid at a private hospital but I wish he'd had SGK as the forms, letters and official stuff just added to the worry.


Just my opinion but I'm sure others will have alternative views.


Charlotte
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Old 16th June 2016, 07:56   #5 (permalink)
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Re: Health Insurance

My friend who has helped me for many years told me after I got our RP ın Feb thıs year that ıf I gıve hım our Pension letters from the UK to be translated and Notorısed and gıven to the offıce of RP I am registered as an OAP ın Turkey and get ALL the privileges that Turkısh OAP's get,whıch ıs pretty much everthıng.My persrıptıons, I pay 10% of the value,and Başkent Government Hospıtal ıs free,of whıch I checked and they say ıf I show my documents there would be no charge.I have yet to try the Dentıst.For what I can gather thıs ıs a rulıng not a lot of people know about.
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Old 16th June 2016, 08:39   #6 (permalink)
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Re: Health Insurance

My husband was in 'very good health' up to 3 months ago, playing tennis, winning tournaments, walking up to 10 km every day with our dog with no complaints. He had never been in hospital or been prescribed any long term medication in his life. In April, after a cold wouldn't clear up he was diagnosed with stage 4 lung cancer. You never know what is around the corner. We are so grateful for our SGK coverage which allows for completely free treatment at Acıbadem oncology centre, even the protein drinks he needs every day are covered. I think you'd find private insurance would only fund this type of treatment for a short time, with SGK there is no limit.

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Old 16th June 2016, 08:43   #7 (permalink)
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Re: Health Insurance

Quote:
Originally Posted by ShirleyBurley View Post
My husband was in 'very good health' up to 3 months ago, playing tennis, winning tournaments, walking up to 10 km every day with our dog with no complaints. He had never been in hospital or been prescribed any long term medication in his life. In April, after a cold wouldn't clear up he was diagnosed with stage 4 lung cancer. You never know what is around the corner. We are so grateful for our SGK coverage which allows for completely free treatment at Acıbadem oncology centre, even the protein drinks he needs every day are covered. I think you'd find private insurance would only fund this type of treatment for a short time, with SGK there is no limit.
Hope all works out for hım SB.All our thoughts are wıth you.
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Old 16th June 2016, 08:46   #8 (permalink)
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Re: Health Insurance

Quote:
Originally Posted by TNT123 View Post
Hope all works out for hım SB.All our thoughts are wıth you.
Thank you Trev, we need all the good vibes you can give.


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Old 16th June 2016, 09:09   #9 (permalink)
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Re: Health Insurance

To Steve and Shirleyburley,

Wishing both you and your loved one a swift return to good health.


Charlotte
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Old 16th June 2016, 09:58   #10 (permalink)
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Cool Re: Health Insurance

Quote:
Originally Posted by TNT123 View Post
My friend who has helped me for many years told me after I got our RP ın Feb thıs year that ıf I gıve hım our Pension letters from the UK to be translated and Notorısed and gıven to the offıce of RP I am registered as an OAP ın Turkey and get ALL the privileges that Turkısh OAP's get,whıch ıs pretty much everthıng.My persrıptıons, I pay 10% of the value,and Başkent Government Hospıtal ıs free,of whıch I checked and they say ıf I show my documents there would be no charge.I have yet to try the Dentıst.For what I can gather thıs ıs a rulıng not a lot of people know about.
Being a dumb, ignorant, illiterate "Yank" I had to look up OAP:
(old age pensioner: someone who is old enough to receive a pension from the government.)

Thanks for the vocabulary lesson.

Ian wrote he pays 1000 pa (per annum?) for SGK which is about 345 TL monthly.
As I understand SGK, that 345 TL monthly would also cover a married couple of foreigners in the plan?

Ian also wrote: "after 65 is not going to increase my premiums" is this true for an over 65 year old new to SGK?
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Last edited by MiddleEarth; 16th June 2016 at 10:02..
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