Tag Archives: Insurance

Catch 22

A couple of weeks ago we went off to Izmir with a load of documents all in a nice pink file to renew our residence permits. Beforehand we had researched what was needed, most of which we had to hand or could scan at home. What was left was some sort of proof of health insurance. We have GSS, the state health insurance which is managed from the SGK office. We knew it was a bit of a catch 22, health insurance is needed in order to apply for a residence permit and a residence permit is needed to have the state health insurance. We were wondering if or when this might trip us up.

Anyway, we went to the SGK office and explained we needed proof of health insurance for our applications for a residence permit. They printed off some papers, stamped them, signed them and handed them to us. We put these in our pink files and dutifully headed for Izmir. In Izmir, we took a ticket and waited in line. Just as it was about to be our turn, the office closed for lunch. But we were told to keep our number. When the office re-opened we were first to be seen and, after a bit more running round paying fees and getting the receipts copied (an enterprising gentleman has set up a tea stall and photocopy service in the grounds) it was all done and paid for. Three hours from start to finish (including the one hour lunch break). We have proof that we have applied to extend our residency and all we need do now is wait for the new permits to arrive in the post, probably according to the police in Izmir in a month or two.

Then a week before official date of expiry of our existing residence permits, we headed to the local GSK office to renew our GSS. We were told it could not be done, that we cannot be entered onto the system until we have the new residence permits. This prompted a lot of running around before we established this was actually the case, that until the new residence permits arrive we cannot renew our GSS. This is because we can’t be reinstated on the system until we have the new permit number (our kimlik numbers, which will remain the same, are not sufficient).

Of course we still need to pay the GSS premium every month, despite not being able to claim on it, and right now we are left with no health insurance. It is rumoured that should we need hospital care we can claim the cost back when we can complete the GSS renewal, but this is rumour and it is not something we want to test. It is all a bit frustrating.

We have now got ourselves some accident cover so if one of us falls and breaks a leg it is covered. If we have an accident on the bike we are covered for injuries. It also covers breakdowns, accidental damage at home and some other bits, and given how little it cost was a pretty good deal.

Next year we will start it all earlier. Residence permits can be applied for up to 60 days in advance. Long enough normally for the new ones to arrive before the GSS needs to be renewed – well in theory. It is slightly more complex for us and with a tighter time frame because Ashley’s residence permit expires a month later than Hilary’s and despite Hilary being on Ashley’s GSS policy her cover expires when her residence permit expires. So we only have 30 days to play with, which we are hoping will be sufficient. The system is still new – it only came into force in April and, at some point, new offices will be set up so that applications will not have to be sent to Ankara to be processed. Perhaps that will be in place in time for next year, perhaps not…

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