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Old 15th May 2016, 08:56   #1 (permalink)
Tracy
 
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Moving to Turkey

Dear All

My husband and I have now owned our house in Turkey for nearly 10 years. We are now seriously contemplating the move permanently.

Realistically how much do you think you would need to live on per month? This would have to include medical insurance (how much is this per month for 2 people) Dask etc.

Can you take out life insurance out there or would it be best to continue payments in the UK.

Any information would be helpful.

Many thanks in advance

Tracy
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Old 15th May 2016, 09:12   #2 (permalink)
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Re: Moving to Turkey

Obviously it depends very much on your lifestyle and location. We spend an average of 3500TL, we run two cars, and have quite a large villa to heat, but do not eat out much. This does not include car insurance but does include SGK (Turkish health insurance) which is TL395 per month and covers the missus too.

I would advise paying your life insurance in the UK
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Old 15th May 2016, 09:56   #3 (permalink)
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Re: Moving to Turkey

My Turkish health insurance with Ankara Sigorta was 1850 TL for the year - which you will need to get your Residency Permit. You can only stay in Turkey for up to 90 days on an E-Visa. Dask insurance is minimal - so is water - but electricity is about the same as the UK.
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Old 15th May 2016, 10:28   #4 (permalink)
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Re: Moving to Turkey

Thanks Angela

Yes we would apply for residency. Your insurance seems cheaper than the monthly payment for SGK.

Lots to consider before the move, but thanks for your reply

Tracy
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Old 15th May 2016, 11:38   #5 (permalink)
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Re: Moving to Turkey

[QUOTE=meyavilla;1054771]Dear All

My husband and I have now owned our house in Turkey for nearly 10 years. We are now seriously contemplating the move permanently.

Realistically how much do you think you would need to live on per month? This would have to include medical insurance (how much is this per month for 2 people) Dask etc.

Can you take out life insurance out there or would it be best to continue payments in the UK.

Any information would be helpful.

Many thanks in advance



Just a quick point, many life insurances taken out in the UK wouldn't pay out if you permanently moved to Turkey, I cancelled mine as when I checked they would only pay out if I was based in the UK for 12 months a year.

Sara
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Old 15th May 2016, 11:39   #6 (permalink)
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Re: Moving to Turkey

If you are over 65, private health insurance is not available.

We used both Acibadem and Allianz. If you are reasonably healthy and you get major medical/hospitalisation only you can save a lot on health premiums. You would pay for routine visits, check-ups, meds out of your own pocket. Compare the cost of limited (major medical only) vs full coverage (pills, routine visits, check-ups, tests etc) before you decide.

SGK premium is for the family, not the individual.
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Old 15th May 2016, 13:03   #7 (permalink)
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Re: Moving to Turkey

Quote:
Originally Posted by MiddleEarth View Post
If you are over 65, private health insurance is not available.

We used both Acibadem and Allianz. If you are reasonably healthy and you get major medical/hospitalisation only you can save a lot on health premiums. You would pay for routine visits, check-ups, meds out of your own pocket. Compare the cost of limited (major medical only) vs full coverage (pills, routine visits, check-ups, tests etc) before you decide.

SGK premium is for the family, not the individual.
Hi

Thanks for your reply.

My husband is 65 and i am 52. We would need medical insurance to get our residency wouldn't we? So what would my husband do if I had SGK. Would it best then to go with one of the companies that you recommend?

Thanks

Tracy
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Old 15th May 2016, 13:18   #8 (permalink)
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Re: Moving to Turkey

Quote:
Originally Posted by meyavilla View Post
Hi

Thanks for your reply.

My husband is 65 and i am 52. We would need medical insurance to get our residency wouldn't we? So what would my husband do if I had SGK. Would it best then to go with one of the companies that you recommend?

Thanks

Tracy
Hi Tracy, If your husband takes out the SGK you would be automatically covered as his dependent. The TL 395 would cover you both
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Old 15th May 2016, 13:47   #9 (permalink)
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Re: Moving to Turkey

You would need to take private insurance for the first year of living here as you must have held a RP for a full year before being able to get SGK.

As said before, it is better for the older spouse to take SGK and have the younger one as the dependent, as once the "dependent" reaches UK pension age they have to take out their own SGK cover.
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Old 15th May 2016, 13:51   #10 (permalink)
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Re: Moving to Turkey

Don't cancel ANY life insurance without first asking your insurance company about its policy on death claims abroad. Having worked in insurance I can confirm that many UK companies will honour a claim from abroad. It depends on the type of contract. In any case you may not be able to get comparative cover in Turkey given your increased ages and possible health questionnaire replies since you applied for your present policies.
Dont rely on Turkish life assurance either without getting a NOTARISED translation of the policy document. You may not understand what you are buying and be misled.
It is difficult to find an independent broker in Turkey to do a comparative search for you, and you will have to do the rounds of the banks and companies. Do you know the right questions to ask?
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