FAQ — Insurance

General

What insurance products does Ikamet offer?

Ikamet offers:

Health insurance — required for residence permit applications; covers medical treatment in Türkiye
Travel health insurance — short-term coverage for visits to Türkiye
DASK earthquake insurance — mandatory for all property owners in Türkiye
Home insurance — optional coverage for property contents and structure
Traffic insurance (trafik sigortası) — mandatory third-party liability for vehicles registered in Türkiye

Is Ikamet an insurance company?

No. Ikamet is a licensed insurance intermediary (broker). We work with multiple insurers to find the best policy for your needs. You are covered by the insurer, not by Ikamet.

Health Insurance

Do I need health insurance for a residence permit?

Yes. Health insurance valid in Türkiye for the full duration of your requested permit is a mandatory requirement for residence permit applications.

What does the health insurance cover?

Standard health insurance for residence permits covers inpatient and outpatient treatment at private hospitals in Türkiye. Coverage details vary by policy — your agent will confirm what is included before you purchase.

Can I use my existing international health insurance?

If your existing policy explicitly covers Türkiye and meets the minimum coverage requirements for the residence permit, it may be accepted. Your agent will review your current policy. If it does not qualify, we will arrange a Turkish policy.

How quickly can I get health insurance?

Health insurance policies are typically issued the same day. Your agent will send you the policy document via WhatsApp and email.

My health insurance expired. Can I renew it through Ikamet?

Yes. Contact your agent and they will arrange renewal before your current policy lapses. If your residence permit is up for renewal, your health insurance should be renewed at the same time.

DASK Earthquake Insurance

What is DASK?

DASK (Doğal Afet Sigortaları Kurumu) is compulsory earthquake insurance for all registered residential properties in Türkiye. It is required by law and is also a requirement for various official transactions including residence permit applications.

Who needs DASK?

Every owner of a registered residential property (apartment or house) in Türkiye is legally required to have DASK insurance. Tenants do not need DASK (the landlord is responsible), but you may be asked to provide a copy of the property’s DASK policy for your residence permit application.

How is DASK different from home insurance?

DASK covers earthquake damage only. Standard home insurance covers fire, theft, flood, and other risks. Many property owners have both. Ikamet can arrange both.

How long does it take to get DASK?

DASK policies are issued the same day. You will need the property’s title deed details (tapu bilgileri) to arrange DASK.

Claims

How do I make a claim?

Contact your agent as soon as possible after an incident. Your agent will guide you through the claims process with the insurer. Do not wait — most policies have notification deadlines.

What if my claim is rejected?

If your claim is rejected by the insurer, contact your Ikamet agent. We will review the rejection reason and, where appropriate, advocate on your behalf with the insurer or advise you on next steps.