Insurance Plans for Gig Workers in Turkey

Turkey's insurance market combines SGK health coverage with a growing private sector. SEDDK regulates insurers. Turkish gig workers can supplement mandatory GSS with private health, life, accident, and vehicle insurance.

1. SGK/GSS — Universal Health Insurance

Mandatory health coverage

All residents covered through SGK contributions. Hospital, outpatient, specialist, surgery, maternity, medications (10-20% co-pay). Maintaining SGK registration ensures continuous access.

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SGK: https://www.sgk.gov.tr/

2. Private Health Insurance

Enhanced private hospital access

Major providers: Anadolu Sigorta, AXA Turkey, Allianz, Acibadem Sigorta. Premiums TRY 5,000-30,000/year. Access to private chains: Acibadem, Memorial, Florence Nightingale.

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Anadolu Sigorta: https://www.anadolusigorta.com.tr/

3. Life Insurance

Death benefit and savings

Term and savings products. Major providers: Anadolu Hayat, Garanti Emeklilik, AXA Hayat. Affordable term coverage available.

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Anadolu Hayat: https://www.anadoluhayat.com.tr/

4. Personal Accident Insurance

Affordable accident coverage

Premiums from TRY 500-2,000/year. Essential for delivery riders and drivers. Major providers: Anadolu Sigorta, AXA, Allianz.

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AXA Turkey: https://www.axasigorta.com.tr/

5. Motor Insurance (Kasko + Trafik)

Mandatory and comprehensive vehicle coverage

Trafik Sigortası (mandatory liability) plus Kasko (comprehensive). Turkey's traffic conditions make comprehensive coverage strongly recommended.

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Anadolu Sigorta: https://www.anadolusigorta.com.tr/

6. DASK — Earthquake Insurance

Mandatory for residential buildings

Covers earthquake, tsunami, volcanic damage. Turkey's significant seismic risk makes this essential. Required for property transactions and utility connections.

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DASK: https://www.dask.gov.tr/

7. Travel Insurance

International travel coverage

Required for many visa applications (Schengen: EUR 30,000 minimum). Medical emergencies, repatriation, cancellation. Providers: AXA, Allianz, Anadolu.

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AXA Turkey: https://www.axasigorta.com.tr/

8. Home Insurance

Property and contents protection

Covers fire, theft, water damage, natural disasters beyond DASK. Equipment endorsements for gig workers. Premiums TRY 1,000-5,000/year.

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Mapfre Turkey: https://www.mapfreturkiye.com.tr/

9. Professional Liability

Protection for freelance professionals

Covers professional negligence claims. Relevant for IT consultants, architects, accountants. Growing demand with expanding freelance sector.

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Allianz Turkey: https://www.allianz.com.tr/

10. BES Insurance Component

Life and accident coverage within private pension

BES plans include optional life/accident insurance alongside pension savings. Combined package potentially cheaper than separate products. 30% government match effectively subsidizes the package.

Explore More:

EGM: https://www.egm.org.tr/

Disclaimer: This guide is for informational purposes only. Always consult a licensed insurance advisor in Turkey for personalized recommendations. Links verified as of April 2026.