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- October 13, 202618°
- BIST10012,151-0.94%
- USD49.220.00%
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- INTEREST37.00%-1.00
- BITCOIN81,946-2.06%
- October 13, 202618°
TSB: Healthcare cost increase tops inflation by 10 points, hitting private insurance
The Turkish Medical Association's 20.18% hike in the HUV coefficient pushed annual costs up 42%. TSB said this exceeded official inflation by roughly 10 points and called for a predictable pricing mechanism.
The Turkish Medical Association (TTB) has raised the Physician Application Database (HUV) coefficient by 20.18% for the second half of 2026. The TTB announced that for the first time a 2% 'welfare share' was applied on top of the inflation rate in this calculation.
As a result, the total increase in the HUV coefficient reached 39.96% in the period from July 1, 2025 to July 1, 2026. Together with the annual effect of the additional roughly 8% rise in consultation coefficients in January 2026, the total surge in healthcare service delivery costs is estimated to have hit 42%.
The Insurance Association of Turkey (TSB) noted that this HUV coefficient increase came in about 10 points above official inflation. According to the Turkish Statistical Institute's (TÜİK) May data, annual consumer inflation was 32.61%, while the Central Bank of the Republic of Turkey's Market Participants Survey projects June inflation in the 32-33% range. The TSB stressed that this directly impacts the cost structure of private health insurance.
The TSB also underlined that health insurance premiums are not determined solely by the HUV coefficient. It stated that premium calculations consider healthcare costs alongside changes in the insured's age group, claim occurrences, frequency of service utilization, actuarial calculations, and macroeconomic indicators. Therefore, a 42% rise in the HUV does not translate to an identical premium increase; however, some policyholders may face higher premium hikes due to age-group changes.
The association called for the creation of a predictable and common pricing mechanism in healthcare, aiming to reduce the impact of sectoral cost fluctuations on policyholders.
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