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Health Insurance (Nov 17)

Health Insurance in the TRNC is extremely difficult, if not an impossibility to obtain for those over the age of 70.  Any expat that can afford the premiums will typically take out cover from a UK company. 

The TRNC government has talked about introducing an "affordable" insurance scheme for some time now but having had three governments in the past year it makes reaching a consensus on what type of scheme difficult.

There are now a number of reasonably affordable schemes providing "Emergency Health Insurance", from some of the local insurance companies. However these are only on offer currently for ages 2-69 years of age, although insurance companies are seeking to extend this to 75. It is hoped that this type of insurance this will be deemed sufficient for the ‘White card’ requirements but this has to be verified as and when the scheme comes into force.

There are different levels of cover so do check carefully to ensure you have the right one for you.

It is the same policy, whichever company you choose to go with and although the price for the policies is the same with all the companies as they are all administered by ‘Inter Partner Assistance’, (IPA),, they all do offer slightly different additional benefits. As of Nov 2017:

· Azant and Esta offer a free physio appointment, one dental check-up and clean, one set of blood tests and one dietician visit at selected clinics. 

· Dagli sigorta are offering to provide bronze level of cover for free if you have your house and/or car insurance with them – you can then pay the difference to upgrade to silver or gold if you require.

Contact details: 

Azant Insurance – 0533 833 0841 or e-mail This e-mail address is being protected from spambots. You need JavaScript enabled to view it  

Dagli Insurance – 0392 822 4005 or e-mail This e-mail address is being protected from spambots. You need JavaScript enabled to view it  

Esta Insurance - 0392 444 3782 or email This e-mail address is being protected from spambots. You need JavaScript enabled to view it  

Examples of what are deemed to be persona accidents or emergency medical treatment are listed below but you are advised to see the policy for a full explanation, as well as inclusions and exclusions.

Road Traffic Accidents                               Heart Attacks and Arrhythmias

Hypertension Crisis                                   Acute Respiratory Problems

Life threatening Injury or fall                     Life threatening Occupational Accident

Limb Dismemberment                               Electric Shock

Freezing/frostbite                                     Burns, Heat Stroke

Severe Eye Injury                                     Choking

Life threatening poisoning or toxications     Anaphylaxis

Bone breaks and Dislocations                     Sudden paralysis

Diabetic Coma                                          Uraemic Coma

Acute Haemorrhage                                  Meningitis, Encephalitis and

                                                              Cerebral  Abscess

Temperature 39 degrees C. or above         Foreign body in Airway or GI tract

Organ Perforations                                   Acute Abdomen




 Prices at Nov. 2017

 Age  Bronze Cover  Silver Cover Gold Cover
 2-9  200TL  350TL 500TL
 10-49  150TL  250TL 380TL
 50-59  225TL  350TL 490TL
 60-69  275TL  425TL 550TL