02.08.2025 11:43
The rising hospital and doctor fees have skyrocketed private health insurance premiums. For those using their insurance, premiums have doubled, while even for policies that have never been used, increases of up to 40% have been implemented. The annual health insurance for a family of four has reached 400,000 TL. Turusan Bağcı, the President of TÜKONFED, stated that discounts can be obtained by avoiding unnecessary usage.
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Rising healthcare costs have sharply reflected on private health insurance premiums. By 2025, increases exceeding 100% in private health insurance policies are noteworthy. Especially the exorbitant increase in doctor fees and hospital accommodation costs has escalated health inflation, multiplying insurance costs.
HEALTH INFLATION HAS INCREASED
Turusan Bağcı, Chairman of the Insurance Commission of the Consumer Confederation (TÜKONFED), stated: "In some companies, some packages can go up to 150%. The primary reason for the increase is what we call health inflation. Last year, a specialist doctor cost 1,500 lira, while today it has risen to 4,500 lira. We can say that a one-night stay in a private hospital varies between a minimum of 35,000 and 100,000 lira." According to insurance experts, a private health insurance policy for a family of four, which was in the range of 150,000-200,000 lira last year, is now being sold between 350,000-400,000 lira. Bağcı noted, "We see that most group companies are avoiding this or have downgraded their packages to narrower coverage."
SUPPLEMENTARY HEALTH INSURANCE HAS ALSO INCREASED
Although premiums for supplementary health insurance remain at lower levels, the annual increase rate is almost the same. Turusan Bağcı stated, "The supplementary health insurance for a family of four, which was between 30,000 and 40,000 lira last year, has now risen to the range of 80,000-90,000 lira."
HOW TO GET A DISCOUNT?
According to experts, it is possible to renew this year's policies at a discounted rate. Bağcı said: "There are discounts in private health insurance. Insurers also provide additional discounts for those who use it less. Therefore, avoiding unnecessary usage and unnecessary referral tests... Avoiding unnecessary expenses as much as possible will bring you discounts."
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