{"id":4869,"date":"2022-12-05T10:17:24","date_gmt":"2022-12-05T07:17:24","guid":{"rendered":"http:\/\/gencbilgiislem.com\/sigorta\/?p=4869"},"modified":"2022-12-05T10:21:55","modified_gmt":"2022-12-05T07:21:55","slug":"ozel-saglik-sigortasi-nedir-kapsam-disi-birakilan-hastaliklar-nelerdir","status":"publish","type":"post","link":"http:\/\/gencbilgiislem.com\/sigorta\/ozel-saglik-sigortasi-nedir-kapsam-disi-birakilan-hastaliklar-nelerdir\/","title":{"rendered":"\u00d6zel Sa\u011fl\u0131k Sigortas\u0131 Nedir? Kapsam D\u0131\u015f\u0131 B\u0131rak\u0131lan Hastal\u0131klar Nelerdir?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4869\" class=\"elementor elementor-4869\">\n\t\t\t\t\t\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-402f7dab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"402f7dab\" data-element_type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-default \">\n                    <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-62351e7b\" data-id=\"62351e7b\" data-element_type=\"column\">\n            <div class=\"elementor-widget-wrap elementor-element-populated\">\n                        \t\t<div class=\"elementor-element elementor-element-39cfa3bc elementor-widget elementor-widget-text-editor\" data-id=\"39cfa3bc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.7.8 - 02-10-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>\u00d6zel sa\u011fl\u0131k sigortas\u0131, \u00f6zel hasta olarak t\u0131bbi tedaviye ihtiya\u00e7 duyman\u0131z durumunda yapt\u0131r\u0131lan sigortad\u0131r. \u00dclkemizdeki \u00f6zel sa\u011fl\u0131k sigortas\u0131, hastanede \u00f6zel hasta olarak tedavi edilmenize izin verir.<\/p>\n<p><\/p>\n<p>Ayr\u0131ca, fizyoterapi gibi durumlar\u0131n kar\u015f\u0131lanmad\u0131\u011f\u0131 sa\u011fl\u0131ok bak\u0131m masraflar\u0131n\u0131n \u00f6denmesine de backyard\u0131mc\u0131 olabilir. Ne kadar ve neyi kapsad\u0131\u011f\u0131 politikan\u0131za ba\u011fl\u0131d\u0131r.<\/p>\n<p><b>\u00d6zel sa\u011fl\u0131k sigortas\u0131 almak i\u00e7in \u015funlar\u0131 yapmal\u0131s\u0131n\u0131z:<\/b><\/p>\n<p>Kay\u0131tl\u0131 bir sa\u011fl\u0131k sigortas\u0131ndan poli\u00e7e sat\u0131n almak,<br>Sigortal\u0131 kalmak i\u00e7in d\u00fczenli prim \u00f6demek.<br>\u015eu anda n\u00fcfusun y\u00fczde 85&#8217;i temel bir yasal sa\u011fl\u0131ok sigortas\u0131 plan\u0131 kapsam\u0131ndad\u0131r ve geri kalan\u0131 s\u0131kl\u0131kla ek faydalar sunan \u00f6zel sa\u011fl\u0131okay sigortas\u0131n\u0131 tercih etmektedir. G\u00fcn\u00fcm\u00fczde en kapsaml\u0131 \u00f6zel sa\u011fl\u0131k sigortas\u0131 programlar\u0131, rutin, \u00f6nleyici ve acil sa\u011fl\u0131okay bak\u0131m prosed\u00fcrlerinin maliyetini kar\u015f\u0131lamaktad\u0131r.<\/p>\n<p>\u0130\u015fvereniniz, \u00e7al\u0131\u015fanlara sa\u011flanan faydalar program\u0131n\u0131n bir par\u00e7as\u0131 olarak length sa\u011fl\u0131ok sigortas\u0131 sunmuyorsa, \u00f6zel bir sa\u011fl\u0131okay sigortas\u0131 \u015firketi arac\u0131l\u0131\u011f\u0131yla kendi sa\u011fl\u0131ok sigortan\u0131z\u0131 sat\u0131n almay\u0131 d\u00fc\u015f\u00fcn\u00fcyor olabilirsiniz. \u0130\u015fvereniniz length i\u015fveren taraf\u0131ndan desteklenen bir sa\u011fl\u0131ok sigortas\u0131 plan\u0131na kaydolma se\u00e7ene\u011fi sundu\u011funda, genellikle sigorta primlerinizin bir k\u0131sm\u0131n\u0131 kar\u015f\u0131layacakt\u0131r.<\/p>\n<p>Prim, bir bireyin veya i\u015fletmenin bir sigorta \u015firketine \u00f6dedi\u011fi para miktar\u0131d\u0131r; sa\u011fl\u0131okay sigortas\u0131 primleri genellikle ayl\u0131ok olarak \u00f6denir. Kendinizi sigortalaman\u0131z gerekiyorsa, primlerin tam maliyetini \u00f6dersiniz. Bu nedenle, sa\u011fl\u0131k sigortas\u0131 sat\u0131n alman\u0131n ne kadara mal olaca\u011f\u0131 konusunda endi\u015felenmek yayg\u0131nd\u0131r. Ancak, ihtiya\u00e7 duydu\u011funuz kapsam d\u00fczeyine ba\u011fl\u0131 olarak kullanabilece\u011finiz farkl\u0131 se\u00e7enekler ve farkl\u0131 fiyatlar vard\u0131r.<\/p>\n<p><h2>\u00d6zel Sa\u011fl\u0131k Sigortas\u0131n\u0131n Faydalar\u0131 Nelerdir?<\/h2>Daha fazla sa\u011fl\u0131ok sigortas\u0131 ve se\u00e7enek sunar.<\/p>\n<p>Poli\u00e7enize ba\u011fl\u0131 olarak, \u00f6zel sa\u011fl\u0131k sigortas\u0131 a\u015fa\u011f\u0131daki masraflar\u0131n bir k\u0131sm\u0131n\u0131 veya tamam\u0131n\u0131 kar\u015f\u0131lar:<\/p>\n<p>Se\u00e7ti\u011finiz doktorla \u00f6zel hasta olarak kamu veya \u00f6zel hastanelerde tedavi,<br>Fizyoterapi, di\u015f ve optik gibi kapsamda olmayan sa\u011fl\u0131okay hizmetleri.<br>\u00d6zel sa\u011fl\u0131okay sigortas\u0131 ayr\u0131ca baz\u0131 hastane hizmetlerine daha h\u0131zl\u0131 eri\u015fmenize backyard\u0131mc\u0131 olabilir.<\/p>\n<p>\u00d6zel sa\u011fl\u0131k sigortas\u0131 iadesi alabilirsiniz.<\/p>\n<p>A\u015fa\u011f\u0131daki durumlarda devletten \u00f6zel sa\u011fl\u0131okay sigortas\u0131 indirimi alma hakk\u0131n\u0131z vard\u0131r:<\/p>\n<p>Hastane sigortas\u0131, genel tedavi (ekstra) teminat\u0131 veya her ikisini birden sa\u011flayan \u00f6zel sa\u011fl\u0131k sigortan\u0131z varsa ve geliriniz belirli bir limitin alt\u0131nda ise indirimi \u015fu \u015fekilde al\u0131rs\u0131n\u0131z:<\/p>\n<p>Sa\u011fl\u0131ok sigortan\u0131z arac\u0131l\u0131\u011f\u0131yla daha d\u00fc\u015f\u00fcok sigorta primleri veya y\u0131ll\u0131okay vergi beyannamenizde bir mahsup &#8211; bu, \u00f6demeniz gereken vergiyi azalt\u0131r.<br><h2>\u00d6zel Sa\u011fl\u0131k Sigortas\u0131 Kimler Alabilir?<\/h2>\u00d6zel sa\u011fl\u0131okay sigortas\u0131 yapt\u0131rmak zorunda de\u011filsiniz, ancak daha fazla sa\u011fl\u0131okay hizmeti ve se\u00e7im i\u00e7in sigorta kapsam\u0131 isteyip istemedi\u011finizi se\u00e7ebilirsiniz.<\/p>\n<p>\u00c7o\u011fu sigorta risk derecelidir &#8211; \u00f6rne\u011fin, araba veya ev sigortas\u0131. \u00d6zel sa\u011fl\u0131ok sigortas\u0131 toplum taraf\u0131ndan derecelendirilir. Bu \u015fu anlama gelir:<\/p>\n<p>Herkes belirli bir politika i\u00e7in ayn\u0131 fiyat\u0131 \u00f6der,<br>Bir sa\u011fl\u0131okay sigortas\u0131, sizi sigortalamay\u0131 veya sat\u0131n almak istedi\u011finiz poli\u00e7eyi size satmay\u0131 reddedemez,<br>Poli\u00e7enizi yenileme hakk\u0131n\u0131z garantilidir.<br><h2>\u00d6zel Sa\u011fl\u0131ok Sigortas\u0131n\u0131 Nereden Alabilirim?<\/h2>\u00d6zel sa\u011fl\u0131ok sigortas\u0131 arayanlar i\u00e7in birka\u00e7 se\u00e7enek var. \u0130\u015fvereniniz arac\u0131l\u0131\u011f\u0131yla teminat\u0131n\u0131z yoksa veya serbest meslek sahibiyseniz, Rasel Sigorta ile \u00f6zel sa\u011fl\u0131ok sigortas\u0131 alabilirsiniz. \u0130\u015fveren sponsorlu\u011fundaki planlar ve t\u00fcm pazar yeri planlar\u0131n\u0131n, annelik bak\u0131m\u0131, ak\u0131l sa\u011fl\u0131\u011f\u0131 hizmetleri, koruyucu bak\u0131m ve daha fazlas\u0131 gibi belirli temel sa\u011fl\u0131okay yararlar\u0131n\u0131 i\u00e7ermesi gerekir.<\/p>\n<p>Rasel Sigorta, k\u0131sa bir s\u00fcre veya belirli durumlarda kapsam arayanlar i\u00e7in daha fazla esneklik sunabilecek ba\u015fka se\u00e7enekler de sunar.<\/p>\n<p><h2>\u00d6zel Sa\u011fl\u0131ok Sigortas\u0131 Neleri Kapsar?<\/h2>\u00d6zel sa\u011fl\u0131ok sigortas\u0131 teminat\u0131 genellikle hastane sigortas\u0131, genel tedavi teminat\u0131 (backyard\u0131mc\u0131 veya ekstra teminat olarak da bilinir) ve ambulans teminat\u0131 olarak ikiye ayr\u0131l\u0131r. Ambulans teminat\u0131, di\u011fer poli\u00e7elerle birlikte ayr\u0131 olarak temin edilebilir veya baz\u0131 durumlarda eyalet h\u00fcokay\u00fcmetiniz taraf\u0131ndan kar\u015f\u0131lanabilir.<\/p>\n<p>\u00dclkemizde, \u00f6zel sa\u011fl\u0131ok sigortas\u0131, \u00e7o\u011fu sigorta t\u00fcr\u00fc gibi &#8216;danger derecelendirmesinden&#8217; ziyade &#8216;toplum taraf\u0131ndan derecelendirilir&#8217;. \u00d6zel sa\u011fl\u0131k sigortalar\u0131, risk profillerine ve sa\u011fl\u0131ok hizmetlerini kullanma olas\u0131l\u0131klar\u0131na ra\u011fmen, herhangi bir ki\u015fiyi sigortalamay\u0131 reddedemez ve herkesten ayn\u0131 teminat seviyesi i\u00e7in ayn\u0131 primi talep etmelidir.<\/p>\n<p><h2>\u00d6zel Sa\u011fl\u0131okay Sigortas\u0131 Sat\u0131n Al\u0131rken Nelere Dikkat Etmeliyim?<\/h2>Bekleme s\u00fcreleri: \u0130lk kez teminat sat\u0131n al\u0131yorsan\u0131z veya plan\u0131n\u0131z\u0131 y\u00fckseltiyorsan\u0131z, avantajlar\u0131n\u0131z\u0131 talep etmeden \u00f6nce bir bekleme s\u00fcresi ge\u00e7irmeniz gerekir. Bekleme s\u00fcresi boyunca, belirli tedaviler i\u00e7in herhangi bir fayda almazs\u0131n\u0131z veya belirli bir s\u00fcre i\u00e7in daha d\u00fc\u015f\u00fcokay backyard\u0131m al\u0131rs\u0131n\u0131z.<br>Poli\u00e7ede neyin kapsanmad\u0131\u011f\u0131: Poli\u00e7enizde nelerin kapsan\u0131p neyin kapsanmad\u0131\u011f\u0131na dikkat etmelisiniz &#8211; t\u00fcm politikalar kapsaml\u0131 de\u011fildir. Teminat seviyenize ba\u011fl\u0131 olarak, tedavinizle ilgili t\u00fcm masraflara kar\u015f\u0131 tam olarak kar\u015f\u0131lanamayabilirsiniz ve baz\u0131 cepten masraflar\u0131 \u00f6demek zorunda kalabilirsiniz.<br>Sa\u011fl\u0131k bak\u0131m\u0131 ihtiya\u00e7lar\u0131: \u0130htiya\u00e7lar\u0131n\u0131z\u0131 kar\u015f\u0131lamaya devam etti\u011finden emin olmak i\u00e7in zaman zaman teminat\u0131n\u0131z\u0131 g\u00f6zden ge\u00e7irmelisiniz. Prim sizin i\u00e7in bir sorun haline geldiyse, poli\u00e7enizi y\u00f6netmenin ve maliyetleri d\u00fc\u015f\u00fcrmenin birka\u00e7 yolu vard\u0131r.<br><h2>\u00d6zel Sa\u011fl\u0131k Sigortas\u0131 Neleri Kapsamaz?<\/h2>Sat\u0131n ald\u0131\u011f\u0131n\u0131z \u00f6zel sa\u011fl\u0131ok sigortas\u0131 poli\u00e7esinin, hastane tedavisine ili\u015ffamily members baz\u0131 s\u0131n\u0131rlamalar\u0131 olacakt\u0131r, bunlar \u015funlar\u0131 i\u00e7erebilir:<\/p>\n<p>\u0130stisnalar &#8211; hi\u00e7 kapsanmayan belirli hizmetler.<br>K\u0131s\u0131tlamalar &#8211; S\u0131n\u0131rl\u0131 bir kapsamda olan hizmetler, yani cepten daha fazla harcama yapaca\u011f\u0131n\u0131z anlam\u0131na gelir. Ok\u0131s\u0131tlanm\u0131\u015f backyard\u0131mlar, \u00f6zel bir hastaneye kabul\u00fcn t\u00fcm hastane maliyetini kar\u015f\u0131lamak i\u00e7in yeterli de\u011fildir ve maliyet fark\u0131n\u0131 \u00f6demeniz gerekecektir.<br>Uzun s\u00fcreli hastalar &#8211; art arda 35 g\u00fcnden fazla hastanede kal\u0131rsan\u0131z, doktorunuz aksini belirtmedik\u00e7e, uzun s\u00fcreli veya huzurevi tipi bir hasta olarak kabul edilirsiniz. Bu, ilk d\u00f6nemden sonra hastanede konaklama masraflar\u0131 i\u00e7in daha fazla \u00f6deme yapman\u0131z gerekti\u011fi anlam\u0131na gelir. \u00d6zel sa\u011fl\u0131k sigortas\u0131 mevzuat\u0131, sa\u011fl\u0131k sigortac\u0131lar\u0131n\u0131n bu maliyeti sigortalamas\u0131na izin vermez.<br>Tek ve ortak odalar &#8211; Baz\u0131 hastane politikalar\u0131 ortak bir odan\u0131n t\u00fcm maliyetini kar\u015f\u0131lar, ancak tek bir oda de\u011fildir. Politikan\u0131za ba\u011fl\u0131 olarak, bu s\u0131n\u0131rlama \u00f6zel bir hastanede veya bir devlet hastanesinde veya her ikisinde de ge\u00e7erli olabilir. Tek ki\u015filik bir odaya kabul edildiyseniz ve poli\u00e7eniz maliyeti tamamen kar\u015f\u0131lam\u0131yorsa, hastane sigortac\u0131 \u00f6dene\u011fi ile hastane \u00fccreti aras\u0131ndaki fark\u0131 \u00f6demeniz gerekti\u011fini length bildirmelidir. \u00d6zel sa\u011fl\u0131ok sigortan\u0131z da teminat\u0131n\u0131z hakk\u0131nda daha fazla bilgi sa\u011flayabilir.<br><h2>\u00d6zel Sa\u011fl\u0131k Sigortas\u0131nda Kapsam D\u0131\u015f\u0131 B\u0131rak\u0131lan Hastal\u0131klar Nelerdir?<\/h2>Genel tedavi kapsam\u0131ndaki neredeyse t\u00fcm hizmetler yaln\u0131zca s\u0131n\u0131rl\u0131 bir kapsamdad\u0131r. Uygulanabilecek \u00e7e\u015fitli s\u0131n\u0131rlar vard\u0131r, \u00f6rne\u011fin hizmet ba\u015f\u0131na, y\u0131lba\u015f\u0131na bir s\u0131n\u0131r veya \u00f6m\u00fcr boyu s\u0131n\u0131rlar. Baz\u0131 durumlar ise hello\u00e7 kapsanmayabilir:<\/p>\n<p>Poli\u00e7e \u00f6ncesi d\u00f6neminde ya\u015fanan hastal\u0131klar,<br>Do\u011fum masraflar\u0131,<br>Di\u015f tedavisi giderleri,<br>G\u00f6zl\u00fcok cam\u0131, \u00e7er\u00e7evesi ve lens masraflar\u0131,<br>K\u0131s\u0131rl\u0131k tedavisi d\u00f6nemi,<br>Zay\u0131flama amac\u0131 ta\u015f\u0131yan mide ameliyatlar\u0131,<br>T\u00fcm estetik operasyonlar,<br>S\u00fcnnet,<br>Do\u011fu\u015ftan kaynaklanan hastal\u0131klar,<br>SGK arac\u0131l\u0131\u011f\u0131yla kar\u015f\u0131lanmayan giderler,<br>Anla\u015fmal\u0131 kurumlar haricindeki yerlere yapt\u0131r\u0131lan i\u015flemler.<br>Bunlara ek olarak \u00f6zel sa\u011fl\u0131okay sigortas\u0131 kapsam\u0131nda olsa dahi poli\u00e7e ba\u015flang\u0131\u00e7 tarihinden itibaren ilk three ay boyunca kapsam d\u0131\u015f\u0131 b\u0131rak\u0131lan baz\u0131 hastal\u0131klar vard\u0131r:<\/p>\n<p>Kalp ve kanser hastal\u0131klar\u0131,<br>B\u00f6brek rahats\u0131zl\u0131klar\u0131,<br>Prostat sorunlar\u0131,<br>F\u0131t\u0131k kaynakl\u0131 hastal\u0131klar,<br>Diz operasyonlar\u0131,<br>Y\u0131rt\u0131ok ve \u00e7\u0131okay\u0131klar,<br>Safra kesesi ve tiroit hastal\u0131klar\u0131,<br>Kad\u0131n hastal\u0131klar\u0131.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                            <\/div>\n        <\/section>\n        \t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00d6zel sa\u011fl\u0131k sigortas\u0131, \u00f6zel hasta olarak t\u0131bbi tedaviye ihtiya\u00e7 duyman\u0131z durumunda yapt\u0131r\u0131lan sigortad\u0131r. \u00dclkemizdeki \u00f6zel sa\u011fl\u0131k sigortas\u0131, hastanede \u00f6zel hasta olarak tedavi edilmenize izin verir. Ayr\u0131ca, fizyoterapi gibi durumlar\u0131n kar\u015f\u0131lanmad\u0131\u011f\u0131 sa\u011fl\u0131ok bak\u0131m masraflar\u0131n\u0131n \u00f6denmesine de backyard\u0131mc\u0131 olabilir. Ne kadar ve neyi kapsad\u0131\u011f\u0131 politikan\u0131za ba\u011fl\u0131d\u0131r. \u00d6zel sa\u011fl\u0131k sigortas\u0131 almak i\u00e7in \u015funlar\u0131 yapmal\u0131s\u0131n\u0131z: Kay\u0131tl\u0131 bir sa\u011fl\u0131k sigortas\u0131ndan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4871,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,26],"tags":[],"class_list":["post-4869","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","category-saglik"],"_links":{"self":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4869","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/comments?post=4869"}],"version-history":[{"count":4,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4869\/revisions"}],"predecessor-version":[{"id":4875,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4869\/revisions\/4875"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/media\/4871"}],"wp:attachment":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/media?parent=4869"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/categories?post=4869"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/tags?post=4869"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}