Forged residence policies are a real problem: on social media, a policy is offered at a suspiciously low price, then turns out to be invalid and the applicant is rejected. To avoid losing money and time, you must distinguish an authentic policy from a fake one and know what to do in case of doubt. In this guide, we explain how to verify the authenticity of the residence policy in 2026.
Signs of an Authentic Policy
An authentic residence policy has essential signs:
- Verification code (unique policy number); authenticity is confirmed by it.
- Electronic signature — which is why a handwritten signature is not needed.
- Name of a licensed insurance company and an authorized agent.
- Statement of compliance with the minimum coverage (circular 2024/34).
For the application, it is usually enough to print the first pages bearing this information. If one of the signs is missing, you must be cautious.
Signs of Forgery
Be cautious if:
- The price is suspiciously lower than the market.
- The seller, without confirmed authorization, comes from social media.
- Only cash payment or payment to a personal card without an official receipt is requested.
- The policy has no verification code or the data is disordered/wrong.
A too-attractive offer is the most frequent sign of fraud. Since coverage is identical, an abnormally low price usually points to forgery or invalid travel insurance.
Verifying the Policy by Its Code
Authenticity can be confirmed by the policy code — licensed insurers have ways to confirm a policy by its number. If you bought the policy through the official app of an authorized agent, it is authentic and correct, and additional verification is generally not needed.
If you have a doubt about another seller's policy, do not present it before you are sure of its authenticity: check the company information, the verification code and the electronic signature. A few minutes of verification cost less than a rejection.
What an Official Policy Looks Like
An official policy is a structured document (usually a PDF): the insured's data (name and passport or YKN), the licensed company name, validity with start and end dates, the unique policy number (verification code), the electronic signature and the coverage statement.
If the document looks like a simple image without these elements, without a number or signature, or if the data does not match your passport, it is a serious reason for doubt. An authentic policy always carries these elements.
Residence Policy, Not Travel Insurance
Sometimes travel insurance is sold instead of a residence policy — cheaper, but not valid for residence and leading to rejection. The residence policy is called «yabancı sağlık sigortası» and includes the statement of compliance with the minimum coverage.
When buying, make sure you request an actual residence policy, not travel insurance. This mistake looks like a «cheap policy», but it is a different product that does not satisfy the Migration Office requirement.
The Danger of a Forged Policy
A forged or invalid policy leads to residence rejection, the loss of the money paid and a loss of time in a new application; at worst, with tight deadlines, problems with residence status.
Saving on a dubious policy usually turns out expensive: you pay twice (the fake and the real one) and lose time. Buying from a reliable source is therefore not only security, but ultimately a saving.
If You Doubt a Policy
If you have bought a policy you doubt, do not present it to the Migration Office and cut contact with the dubious seller; keep the exchanges and payment information. Check the signs of authenticity: verification code, electronic signature, name of the licensed company.
If these elements are missing or the code is not confirmed, consider it invalid and immediately buy a correct policy from an authorized agent so as not to miss your appointments. For financial fraud, you can contact your bank. But the main protection is to buy from the start only through the official channel.
How to Buy Safely
The safest way is to buy through the official app of the authorized agent Yab Sigorta. You get an official policy with a verification code, electronic signature, correct coverage and accurate dates — ready for the application, with no intermediary and no risk of forgery.
Buying directly through the official channel also protects you from hidden commissions: you pay only the company's tariff. This combination of security and price transparency is the strongest argument against cheap social-media offers.
Pay Only Officially and Safely
Pay for the policy only officially — by international Visa/Mastercard or Apple/Google Pay via the app. Do not send money to the personal card of an unknown «intermediary» and do not pay cash without an official document; this is a typical fraud method.
The official payment is recorded and the policy arrives by email with a verification code. If you are asked to finalize the payment outside the app, that is a clear warning sign of forgery.
Frequently Asked Questions
How do I know if the residence policy is authentic?
An authentic policy carries a verification code, an electronic signature, the name of a licensed company and the statement of compliance with the coverage. A handwritten signature is not needed.
What are the signs of fake insurance?
A suspiciously low price, an unauthorized seller on social media, payment only in cash or to a personal card, and the absence of a verification code on the policy.
How do I verify the policy by its code?
Authenticity is confirmed by the unique policy number. A policy bought through the official app of an authorized agent is necessarily authentic.
What does an official policy look like?
It is a structured PDF with the insured's data, the licensed company name, the dates, the unique number and the electronic signature, and the coverage statement. A simple image without these elements is suspicious.
What is the difference between a residence policy and travel insurance?
A residence policy (yabancı sağlık sigortası) satisfies the requirement and includes the coverage statement; travel insurance is cheaper but invalid for residence and leads to rejection.
What is the danger of a forged policy?
Residence rejection, loss of money and time, at worst status problems. Saving on a dubious policy turns out expensive.
What do I do if I doubt a bought policy?
Do not present it, cut contact with the seller, keep the exchanges and check the signs of authenticity. If you are not sure, immediately buy a correct policy from an authorized agent.
How do I buy the policy safely?
Through the official app of the authorized agent Yab Sigorta; you get an official policy with a verification code and correct data, ready for the application.
Is cash payment to intermediaries safe?
No, it is a typical fraud method. Pay only officially by international card or Apple/Google Pay via the app.
Is a refund of a forged policy possible?
Generally no. That is why it is important to buy from the start from a reliable source, so as not to pay twice.
Should I verify a policy bought through the official app?
Generally no; a policy from the official app of an authorized agent is necessarily authentic and carries a verification code and an electronic signature.
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