What the TRNC health insurance covers for a residence permit
The TRNC state health insurance covers only part of medical services. Below are quick links to the main sections.
- Basic coverage of TRNC state health insurance
- Which services are available for free
- Language issues and clinic choice
- Dentistry and paid services
- Coverage for accidents
- Emergency conditions treated for free
- Pregnancy and childbirth under insurance
- Summary list of covered cases
Basic coverage of TRNC state health insurance
TRNC state health insurance for residence permits is arranged when obtaining a residence permit and includes service at all state clinics of the Turkish Republic of Northern Cyprus. This coverage guarantees residents basic and emergency medical care within the state healthcare system.
With residence permit insurance, you are entitled to treatment in TRNC state hospitals, including emergency care for life-threatening conditions.
Which services are available for free
Under TRNC state health insurance, residents can receive the following services free of charge in state clinics:
- Specialist doctor visits by referral or when attending a state hospital.
- Necessary examinations and tests prescribed by a doctor as indicated.
- Inpatient and outpatient treatment for covered conditions.
- Ambulance call and service in emergencies.
- Certain types of surgical interventions if performed in state facilities.
If you have chronic conditions, it is recommended to clarify in advance what exactly will be covered in your case.
Language issues and clinic choice
In many TRNC state hospitals, staff primarily speak Turkish. Therefore, a translator may be needed when seeking medical care.
In private clinics:
- English is spoken more often,
- Occasionally, there are specialists who speak Russian.
Residence permit insurance does not cover private clinic services.
Dentistry and paid services
Dentistry is not included in mandatory TRNC state health insurance.
- All dental services are paid separately at any clinic.
- This includes treatment, prosthetics, implants, and cosmetic procedures.
Coverage for accidents
Residence permit insurance covers treatment for a range of accidents and injuries:
- Work-related injuries
- Traffic accidents
- Falls from height
- Electric shock
- Hypothermia or heat stroke
- Burns
- Fractures and dislocations
- Eye injuries
Emergency conditions treated for free
Under state insurance, life-threatening conditions are treated free of charge:
- Heart attack
- Stroke and paralysis
- Arrhythmias
- Acute CNS infections (meningitis, encephalitis)
- Loss of consciousness
- Diabetic coma
- Fever above 39.5°C
- Choking
- Foreign body in airways or gastrointestinal tract
- Other critical conditions
Pregnancy and childbirth under insurance
State insurance covers:
- Transport of the pregnant woman to the hospital at the onset of labor.
- Initial examination of mother and child.
Other services depend on the specific state hospital.
Summary list of covered cases under TRNC state insurance
Insurance covers:
- Basic medical care in state clinics.
- Emergency care.
- Treatment of consequences of accidents.
- Critical conditions — heart attack, stroke, coma, acute infections, etc.
- Partial childbirth coverage — transport and initial examination.
| Category / Condition | Description |
|---|---|
| Traffic accidents | Traffic accident |
| Myocardial infarction | Heart attack – myocardial infarction |
| Arrhythmia | Arrhythmia |
| Hypertensive attacks, kidney failure | Hypertensive attacks, kidney failure |
| Acute respiratory problems | Acute respiratory problems |
| Life-threatening wounds | Life-threatening wounds |
| Fall from height | Life-threatening falling from height |
| Work-related injuries | Life-threatening work-related injury |
| Rupture of internal organs | Split of any organs |
| Electric shock | Electric shocks / electrocution |
| Hyperthermia / heat stroke | Hyperthermia / heat stroke |
| Burns | Burns |
| Severe eye injuries | Severe ophthalmic injury |
| Choking | Choking |
| Poisonings | Life-threatening poisons / intoxications |
| Anaphylactic shock | Anaphylactic shock |
| Fractures of lower extremities | Bone breaks of lower extremity |
| Dislocations | Dislocations of lower extremity |
| Loss of consciousness | Unconsciousness |
| Stroke / paralysis | Stroke / paralysis |
| Diabetic coma | Diabetic coma |
| Coma due to high urea level | Coma due to high urea level |
| Severe bleeding | Acute abundant bleeding |
| Meningitis / encephalitis | Meningitis / encephalitis |
| Newborn coma | Coma of newborn infant |
| Fever above 39.5 °C | High temperature above 39.5°C |
| Foreign body in airway | Foreign body in airway |
| Foreign body in gastrointestinal tract | Foreign body in gastrointestinal tract |
| Pregnancy — onset of delivery | Onset of delivery |
| Malignant eclampsia | Malignant eclampsia |
If you plan to stay in Northern Cyprus long-term, it is important to obtain or renew your residence permit. Our specialist can help you with the application or renewal. Contact: @dejurecy
DeJure Consulting LTD
Our company provides a wide range of legal services across Northern Cyprus. With us, you can receive qualified assistance in real estate, legal, visa, or financial matters.
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