{"id":8849,"date":"2026-06-09T14:50:03","date_gmt":"2026-06-09T11:50:03","guid":{"rendered":"https:\/\/manramu.lt\/worth-knowing\/all-inclusive-in-turkey-a-false-illusion-of-security-and-the-necessity-of-travel-insurance\/"},"modified":"2026-08-17T16:25:30","modified_gmt":"2026-08-17T13:25:30","slug":"all-inclusive-in-turkey-a-false-illusion-of-security-and-the-necessity-of-travel-insurance","status":"publish","type":"post","link":"https:\/\/manramu.lt\/en\/news\/all-inclusive-in-turkey-a-false-illusion-of-security-and-the-necessity-of-travel-insurance\/","title":{"rendered":"All-inclusive in Turkey: a false illusion of security and the necessity of travel insurance"},"content":{"rendered":"\t\t
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All-inclusive in Turkey: a false illusion of security and the necessity of travel insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The illusion of an all-inclusive package and the psychological security barrier<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Turkey remains one of the most popular holiday destinations among Lithuanian travellers, and its resorts, such as Antalya, Kemer and Bodrum, are famous for their highly developed all-inclusive concept<\/em>. This model is associated with consumers as a guarantee that everything is financially covered, as transport, accommodation, meals and entertainment are paid for before leaving the country. However, this pre-payment creates a dangerous psychological sense of security, when travellers mistakenly equate the service package with comprehensive personal and medical security. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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In reality, the protection provided by hotel management is strictly limited in terms of territory and law. The liability insurance held by a hotel usually covers only those accidents that occur directly due to the fault of the establishment itself or defects in the infrastructure, for example, slipping on a poorly maintained wet surface near the pool, and its payments are more symbolic. This hotel liability does not cover any common health problems, acute infections, injuries outside the hotel, emergency medical evacuation or lost personal property. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Lithuanian PSD and ESDC are not valid in Turkey<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Another common mistake made by Lithuanian travelers is relying on the European Health Insurance Card (EHIC) or assuming that the compulsory health insurance (CHI) paid in their homeland is valid worldwide.<\/p>

Since Turkey is not a member of the EU or the European Economic Area (EEA), the EHIC has no legal force there. This document is not accepted in Turkish medical institutions, and Lithuanian state health insurance does not cover any treatment or hospitalization costs incurred in Turkey.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Turkey's private medical infrastructure and real financial costs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The Turkish medical market is characterized by a particularly high level of privatization and commercialization. The country has advanced private clinics, and the country itself is one of the world leaders in medical tourism, attracting thousands of patients for elective aesthetic, dental and surgical procedures. Although the prices of elective surgeries for foreigners are competitive here, the pricing of emergency care in resort areas for uninsured persons is very high and not controlled by the state. In the event of any health problem, the hotel administration or local ambulance almost always directs the tourist to private medical centers, such as the International Hospital<\/em> or Ac\u0131badem<\/em> network, where service prices are adjusted to the commercial sector. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Comparison of prices of medical services and procedures in Turkey (2026 data)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Medical service<\/strong><\/p><\/td>

Price in Turkey<\/strong><\/p><\/td>

Additional context<\/strong><\/p><\/td><\/tr>

Doctor’s consultation at a private resort clinic<\/strong><\/p><\/td>

\u20ac80 \u2013 \u20ac150<\/p><\/td>

Applicable in resort areas for the initial visit and examination.<\/p><\/td><\/tr>

Hospitalization day in a private hospital<\/strong><\/p><\/td>

\u20ac500 \u2013 \u20ac1,200<\/p><\/td>

Includes only ward, basic observation and nursing.<\/p><\/td><\/tr>

Poisoning treatment (hotel doctor)<\/strong><\/p><\/td>

\u20ac60 \u2013 \u20ac150<\/p><\/td>

Emergency care, drip rehydration, antibacterial drugs.<\/p><\/td><\/tr>

Emergency dental care<\/strong><\/p><\/td>

40 \u20ac \u2013 100 \u20ac<\/p><\/td>

Anesthesia, emergency pain relief, temporary filling.<\/p><\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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The most common reason for hospitalization of Lithuanian tourists in the coastal regions of Turkey is acute food poisoning. Even a minor medical intervention, such as a drip to stop dehydration, quickly reaches hundreds of euros in private medical facilities. <\/p>

If the whole family gets food poisoning, the costs multiply proportionally to the number of people, as medical institutions bill each patient separately. A family travel insurance policy allows you to avoid these costs by covering the costs of treatment (from 60 to 200 euros per person). <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Active leisure, natural hazards, altitude and alcohol limits<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Turkish resorts offer a wide range of active leisure activities, but travelers often forget to check the terms and conditions of their insurance policies:<\/p>