The most common question about the residence insurance price is what it depends on. Although the price seems to vary from one company to another, the logic is clear: since coverage is identical, the difference comes from factors such as age and term. In this guide, we explain in detail how the residence insurance price is determined in 2026, the age brackets, locking in the price and checking the up-to-date price.
What Determines the Price
The residence insurance price depends primarily on year of birth and policy term (one or two years). The neighborhood, city or nationality does not determine the price. Since coverage is identical across all approved companies, a price difference does not mean a «better policy».
The price difference between companies comes from the breadth of the hospital network and current promotions. In other words, a more expensive policy does not offer wider coverage; only the network and the tariff differ.
How Age Brackets Work
Tariffs are based on age brackets. Young applicants (around 16 to 35) pay the least; the price rises with age and increases noticeably above 60–65. The reason is that the medical risk rising with age is reflected in the age coefficients.
For the same age, the difference between companies again comes from the network and promotions. To find out your age bracket, checking the up-to-date price by year of birth in the app is the most practical way.
Why the Price Differs at Identical Coverage
This is the confusing point: although coverage is set by the state and identical across all approved companies, prices can differ. The cause is not the coverage, but the extent of each company's contracted hospital network, reinsurance costs and periodic promotions.
Looking for the «best coverage» in a residence policy therefore makes no sense — coverage is everywhere the same. What matters is finding a reasonable price and a network with hospitals close to you.
Locking In the Price (One or Two Years)
A two-year policy is generally a bit more advantageous than two successive one-year policies and locks in the price: in the second year you are protected from the market increase and from moving to a higher age bracket. With a one-year policy, the second year is reissued at the then-current tariff, so with a possible increase.
If you will soon move to a higher age bracket, buying a two-year policy before your birthday locks in the current, lower price for two years — one of the few legal ways to save in mandatory insurance.
The Price for a Family
Each family member is insured with a separate policy according to their year of birth; there is no single «family» policy at a flat price. The total cost is the sum of the policies, each varying by age: usually low for children, higher for adults.
To calculate the total, check each policy separately in the Yab Sigorta app and add them up. If you plan a two-year stay, a small discount per person adds up across the family and produces a noticeable saving.
The Price for Students
For students, many companies offer a student tariff; this usually requires a student certificate (öğrenci belgesi) from the university. Since most students are young, the base price is already low, and the student tariff makes it even more affordable.
In addition, a student can join the SGK with a reduced student tariff within the first three months after first registration. If this deadline is missed, a private policy (often with a student discount) is usually purchased.
How to Check the Up-to-Date Price
Since market tariffs are updated several times a year, stating a fixed figure in an article would be misleading. The most reliable way to know the up-to-date price by age is the Yab Sigorta app, which shows an instant calculation from several approved companies and lets you buy immediately.
This is easier than calling agencies one by one and lets you compare the prices of different companies on a single screen.
Payment and Refund
The policy, whatever its term, is paid in a single, upfront amount; installments generally do not exist in mandatory insurance. You pay by international Visa/Mastercard, Apple Pay or Google Pay. If your local card does not work due to restrictions, use an international card.
After issuance there is no refund; only if there is an error on the policy is it corrected free of charge. So check the data immediately.
Other Factors Affecting the Final Price
Besides year of birth and term, the secondary factors affecting the final price are: the size of the chosen company's network (a wider network may be a bit more expensive), periodic promotions and discounts, and special cases such as student status. Since coverage does not change, these factors shift the price only slightly.
Practical advice: compare several companies in the app; at identical coverage, choose the network and price that suit you, and avoid «cheap but dubious» offers.
Buy at a Safe and Transparent Price
For a transparent price and security, buy through the official app of the authorized agent Yab Sigorta: you pay only the company's tariff, with no hidden commission, and get an official policy with a verification code. Very cheap social-media offers usually point to forgery or travel insurance.
Frequently Asked Questions
What does the residence insurance price depend on?
Primarily on year of birth and policy term (one or two years). Not on the neighborhood or nationality. Since coverage is identical, the difference comes from the network and promotions.
How does age affect the price?
Tariffs are based on age brackets: the young pay the least, and above 60–65 noticeably more. Check the up-to-date price by year of birth in the app.
Why does the price differ at identical coverage?
Because the difference comes not from coverage but from network extent, reinsurance and promotions. A more expensive policy does not offer wider coverage.
How do I lock in the price?
A two-year policy calculates the price once at purchase and locks it in; it protects from market increases and from moving to a higher age bracket.
How is the price calculated for a family?
It is the sum of the separate policies by each person's age. Check each policy in the app and add them up; also consider the two-year option.
Is there a discount for students?
Yes, many companies offer a student tariff with a student certificate. There is also the student SGK option within the first three months.
Where can I see the up-to-date price?
In the Yab Sigorta app, which shows the instant price of several approved companies. Since tariffs change periodically, it is the most reliable.
Is insurance paid in installments?
Generally no; mandatory insurance is paid in a single, upfront amount. A two-year policy is a single payment but more advantageous than two one-year policies.
Is a refund possible?
After issuance there is no refund, only if there is an error on the policy is it corrected free of charge.
What other factors affect the final price?
The company's network size, periodic promotions and cases such as student status shift the price slightly; coverage stays fixed.
Is the cheapest offer always good?
No; since coverage is identical, a very low price usually points to forgery or travel insurance. Buy from an authorized agent.
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