Question 1

Is complication insurance really mandatory for medical tourists in Turkey?

Accepted Answer

Yes. Under the Regulation on Health Tourism and Tourist Health Services, which took full effect on 1 January 2026, all foreign patients undergoing surgical procedures in Turkey must hold a valid complication insurance policy. Clinics and hospitals are legally prohibited from performing surgery without one.

Question 2

What does the policy actually cover?

Accepted Answer

The policy covers medical expenses arising from post-operative complications directly related to your procedure. This includes additional surgery, revision procedures, extended hospital stays, medication, diagnostic tests and, depending on the plan, medical repatriation. Coverage limits are €500, €1,000, or €2,000 and can be increased based on the procedure type.

Question 3

How quickly can I get my policy?

Accepted Answer

The entire process — from filling in the quote form to receiving your official PDF policy by e-mail — takes approximately two minutes. There is no credit card required to request a quote, and payment is processed through a secure 3D-authenticated gateway.

Question 4

How much does complication insurance cost in Turkey?

Accepted Answer

Premiums start from approximately 50 EUR for standard procedures and vary based on the type of surgery, coverage limit, and patient age. Hair transplant policies are typically the most affordable, while complex procedures like bariatric surgery carry higher premiums. Use our online quote form to receive your exact premium in under two minutes — no credit card or commitment required.

Question 5

Can I cancel my policy and get a refund?

Accepted Answer

If your procedure application is denied, we refund 100 % of your premium — no questions asked. For other cancellations, policies can be cancelled before the procedure date for a full refund minus a small administrative fee. Once the procedure has taken place, the policy cannot be cancelled.

Question 6

I already have travel insurance. Do I still need complication insurance?

Accepted Answer

Yes. Standard travel insurance policies explicitly exclude complications arising from elective medical procedures such as cosmetic surgery, hair transplants, and dental treatments. Complication insurance is a separate, specialised product that covers exactly these scenarios. It is also a legal requirement under Turkish law — your clinic cannot proceed with surgery without it.

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