Over 90% of companies in Türkiye provide private medical insurance for their employees and most employers also fully finance employee premiums according to our study.
Employers in Türkiye continue to rely on healthcare as the main pillar of their benefits offer with a vast majority providing private medical insurance, but a more personalised approach, including flexible benefits, are gradually gaining prominence across the country, according to GrECo’s latest Comparative Market Study on Health and Benefits.
Key takeaways for employers in Türkiye
- Employee benefits are evolving in Türkiye. While healthcare remains the central foundation, future success may depend on balancing rising costs with expanding wellbeing initiatives and offering personalised benefits
- Over 9 out of 10 companies offer private medical insurance but only 15% offer dental insurance
- Healthcare inflation reached around 50% in 2025 but is expected to decrease to 35% in 2026
- 43% of employers offer private pension schemes
- Companies are offering more personalised benefits such as gift vouchers and flexible benefits, therefore gradually moving away from a standardised approach to a more individualised approach
Healthcare remains the foundation
Over 90% of companies in Türkiye provide private medical insurance for their employees and most employers also fully finance employee premiums according to our study. Conversely, only around 15% of companies offer dental insurance, showing that there is room to expand protection and stand out for employees looking for the most complete medical insurance.
In 2025, healthcare inflation reached around 50%, though it was expected to decrease to approximately 35% in 2026. To help manage these rising costs, approximately 70% of employers in Türkiye include co-payment mechanisms in their medical plans. This cost pressure is prompting many organisations to explore more datadriven plan management and greater cost sharing balance between employers and employees.
Long term benefits are gaining importance
43% of companies offer private pension schemes. This is one of the highest proportions among the CEE countries included in the study. The long-term financial wellbeing of employees is further supported by government incentives and an established voluntary pension system.
Flexible benefits are also gaining prominence
The study also found that the increase in flexible benefits for employees differentiates the Turkish market from other CEE countries. Many employees are choosing to offer varied benefits such as a flexible benefits and gift vouchers. This underlines the importance of providing a range of benefits that can support various employee needs.
Overall, the study found that employers in Türkiye seem to be moving away from a general benefits approach to a more flexible and personalised approach.
About the Study
The survey targeted HR professionals and decision-makers in companies that offer at least one insurance benefit, such as group life insurance, private medical care, or pension schemes. Interviews were conducted either via telephone or in person, using a quota sampling method to ensure balanced representation across company sizes and industries. The questionnaire was carefully structured into four key areas: medical care, risk benefits, pensions and wellbeing.
Sevinç Kaya Yıldız
Health & Benefits Practice Leader (CCM)
T +90 538 219 16 14
