Health Insurance

As per immigration laws in Turkey, it is MANDATORY that all students have valid insurance that covers the total duration of their enrolment at Koç University. The insurance should take effect from the day the student enters Turkey and should cover them for their complete duration of stay. 
General requirements for health insurance policies: 

Minimum Policy Content

  Contracted Institutions *Non-Contracted Institutions
Annual Minimum Limit Contributions Annual Minimum Limit Contributions
Outpatient Diagnosis Treatmend 2.000.-TL Insured : %40
Company : %60
2.000.-TL Insured : %40
Company : %60
Inspatient Diagnosis Treatmend Unlimited Insured : %0
Company %100
20.000.-TL Insured : %20
Company %80

*Non- Contracted Institutions: Institutions(hospitals, physicians' offices, and the other health institutions.) do not have an agreement with insurer



There are other insurance options for foreign students in Turkey, however, to obtain any insurance in Turkey will take time and is often a complex process. You might have medical needs until you obtain a Turkish Health Insurance and you have to pay extraordinary amounts of cash money for any procedure as a foreigner. Therefore, we recommend that you are insured prior to entry to Turkey.


If you consider purchasing a health insurance in Turkey our International Community Office will assist you only after you arrive in Koç University.


Bilateral Social Security Agreements as Alternative Insurance Coverage In Turkey 
Students whose nationalities are listed below may bring from their home country their bilateral social security agreement labelled with the corresponding agreement code. 
In order to be covered by Turkish Public Health Insurance, students will fill out a supporting form at the OIP and will also submit: 

- The original document from your home country with the agreement code and original signature (not a photocopy) 
- Application form that we will provide 
- Passport photocopy 

The OIP will schedule a trip to the social security office where all student agreements will be validated and students will receive their Turkish social security number. Students must bring passports to this appointment. This option is free of charge for eligible nationalities.

Country Agremeent Code
Germany A/T 11, A/T 12, A/T 23
Austria A/TR 3, A/TR3-A, TR/A6
The Netherlands  N/TUR 106, N/TUR 111, N/TUR 112 
Belgium BT.8, BT.10
France SE 208-01 FT, SE 208-02 FT, SE 208-04 FT,SE 208-05 TF, SE 208-06 AFT, SE 208-06 CFT, SE208-17 FT, SE 208-18 TF, SE 208-19 FT, SE 208-28 FT, SE 208-30 FT 
Turkish Republic of Northern Cyprus  K.K.T.C. / T.C. 3, K.K.T.C. / T.C. 5
Macedonia MC/TR 4, TR/MC 10
Romania  R/TR 3
Albania  AL/TR 4, AL/TR 10
Bosnia BH/TR4, BH/TR5, 
Czech Republic CZ/TR 111, CZ/TR 112
Luxembourg L/TR 3,

For a more detailed information, you can refer to our guide.