WHAT IS INSURANCE IN Türkiye?
WHAT ARE THE TYPES OF INSURANCE?
What is insurance?
It is the compensation for losses against potential risks. Material losses are compensated or minimized according to the policies issued.
What are the types of insurance?
Insurance types are divided into three categories: 4A, 4B, and 4C. These insurance branches, divided according to different occupational groups, vary considerably from one another in terms of conditions such as premiums and retirement benefits, as well as their specific occupational groups. Insurance is crucial for every employee and is crucial for ensuring their own safety.
The types of insurance and their characteristics are as follows:
What is 4A Insurance? Who is Covered by 4A Insurance?
The 4A insurance code covers employees in the private sector. From office workers to sales representatives, engineers to cooks, in short, everyone working outside the government and public sector is covered by this insurance. Insurance costs are paid by employers based on employees' gross salaries.
What is 4B Insurance? Who is Covered by 4B Insurance?
The 4B insurance code is the insurance branch that covers self-employed or freelance workers, namely employers. The group that includes employers such as certified public accountants, company owners, tradespeople, etc. is called 4B. It is the previously known Bağ-kur insurance type
.
What is 4C Insurance? Who is Covered by 4C Insurance?
The 4C insurance code is the insurance branch that covers civil servants working in public and government institutions. Municipal employees and all workers providing services for the public good and benefit are included in this group. Insurance costs are covered by the government.
Differences Between 4A, 4B, and 4C Insurance Branches
The 4A, 4B, and 4C insurance branches differ in terms of coverage, as well as the required conditions. They differ from each other in terms of retirement, premium payment, etc. The 4A insurance branch covers employees in the private sector, and their insurance premiums are covered by the employer. Those in group 4C, that is, those working in the public sector, have their insurance premiums covered by the government. 4A retirement requirements also vary based on premium days and age.
Healthcare services are linked to insurance premiums. A person must be covered by a specific insurance policy to benefit from healthcare services.
How to Inquire about Insurance Services?
You can find detailed information such as the number of days paid since the start of your insurance, the number of premiums paid, and more by checking your Social Security Institution (SGK) service record. This information is available through the individual's e-Government website.
How to Inquire about Insurance Services on E-Government
Follow these steps:
Log in to the e-Government app or website with your Turkish Republic ID number and password.
Type "SGK Service Record" in the search engine and click on the 4A, 4B, or 4C option for your insurance policy.
Inquire by specifying long-term or short-term coverage.
In your service record, you can find important information such as your paid premium days, insurance deductions and the reason for the deduction, your insurance start date, and your employer. This document is important for calculations such as how long until retirement or how much severance pay you should receive when leaving your current job.
Insurance types 4A, 4B, and 4C are crucial for ensuring employees' rights and access to healthcare services. We recommend that you regularly check your Social Security Institution (SGK) service record.
