there were copayments for outpatient services across all programmes except for ssk pensioner and dependents who had to pay trl per outpatient visit for inpatient services there were no copayments for outpatient pharmaceuticals coinsurance rates for active workers and dependents under ssk emeklisandigi and bagkur were while for pensioners and dependents they were at the centre of the health transformation programme was a consolidation of multiple health insurance schemes into a single payer