Private health insurance in Europe and Turkey

Abstract

Health Insurance is a system that has been developed to meet the expenses of physical examination, treatment and care may be required due to disease. Employees and retirees are generally provided with health insurance. However, in certain countries where social welfare applications are advanced, there are health insurance systems which have been developed to involve all citizens. In order to take advantage of these systems, individuals are required to either pay a certain amount of their incomes as tax or pay a certain insurance premium. Private health insurance is a kind of insurance that ensures expenses and daily indemnity if any, up to the amounts written in policy, within the scope of insurance, which is required for the treatments if the insured person gets sick within the period of insurance or gets injured because of any accident. In the scope of the study, it has been included development of private health insurance and the current practices in Turkey and European countries. In this context, private health insurance market comparisons have been made for Turkey and European countries.