{"id":4889,"date":"2022-12-05T10:56:51","date_gmt":"2022-12-05T07:56:51","guid":{"rendered":"http:\/\/gencbilgiislem.com\/sigorta\/?p=4889"},"modified":"2022-12-05T11:07:32","modified_gmt":"2022-12-05T08:07:32","slug":"dogum-teminatli-tamamlayici-saglik-sigortasi-nedir","status":"publish","type":"post","link":"http:\/\/gencbilgiislem.com\/sigorta\/dogum-teminatli-tamamlayici-saglik-sigortasi-nedir\/","title":{"rendered":"Do\u011fum Teminatl\u0131 Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 Nedir?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4889\" class=\"elementor elementor-4889\">\n\t\t\t\t\t\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-3eea71b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3eea71b1\" 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-44e0d47c\" data-id=\"44e0d47c\" data-element_type=\"column\">\n            <div class=\"elementor-widget-wrap elementor-element-populated\">\n                        \t\t<div class=\"elementor-element elementor-element-655f5afa elementor-widget elementor-widget-text-editor\" data-id=\"655f5afa\" 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<h2>Do\u011fum Teminatl\u0131 Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 Nedir?<\/h2>\n<p>Bireylerde hamilelik d\u00f6nemi, ba\u015flang\u0131c\u0131ndan sona ermesine kadar \u00f6zenle planlanmas\u0131 ve \u00e7adequate dikkat edilmesi gereken zaman dilimlerinden bir tanesidir. Do\u011fum ve hamilelik ile ilgili \u00f6zel hastanelerden hizmet almak isteyen bireyler, do\u011fum teminatl\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131okay sigortas\u0131 se\u00e7ene\u011finden s\u0131k\u00e7a yararlanmaktad\u0131r. O halde do\u011fum teminatl\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 nedir, neden \u00f6nemlidir? Hadi gelin hep birlikte bu konular\u0131 yak\u0131ndan inceleyelim.<\/p>\n<p><b>Do\u011fum Teminatl\u0131 Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131<\/b><\/p>\n<p>Hamilelik d\u00f6nemi boyunca g\u00fcnlerinin \u00e7o\u011funun hastanede ge\u00e7ece\u011fini d\u00fc\u015f\u00fcnen \u00e7iftler, do\u011fum teminatl\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 temin ederek masraflar\u0131n\u0131 minimuma indirmeyi planlar. Do\u011fum teminatl\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131okay sigortas\u0131, hamilelik ve do\u011fum d\u00f6nemini kapsama alt\u0131na alarak bu s\u00fcre zarf\u0131nda olu\u015fan masraflar\u0131 kar\u015f\u0131lar.<\/p>\n<p>Do\u011fum teminat\u0131 yapt\u0131rmak isteyen \u00e7iftlerin dikkat etmesi gereken durumlardan bir tanesi de tamamlay\u0131c\u0131 sa\u011fl\u0131okay sigortas\u0131 do\u011fum bekleme s\u00fcresi noktas\u0131d\u0131r. Bu s\u00fcre sigorta \u015firketlerince birbirinden farkl\u0131 olarak belirlenirken, anla\u015fma yapmadan \u00f6nce sigorta \u015firketinin belirledi\u011fi bekleme s\u00fcresini \u00f6\u011frenmek b\u00fcy\u00fcokay avantaj sa\u011flar. Bunun nedeni, do\u011fum teminat\u0131n\u0131 sat\u0131n almadan \u00f6nce hamilelik plan\u0131n\u0131 bu s\u00fcre zarf\u0131na g\u00f6re planlamak gerekebilir, \u00e7\u00fcnk\u00fc baz\u0131 sigorta \u015firketlerince hamilelik d\u00f6neminde do\u011fum talimat\u0131 yapt\u0131r\u0131labilirken, baz\u0131lar\u0131nda b\u00f6yle bir se\u00e7enek etkin de\u011fildir.<\/p>\n<h2>Do\u011fum Teminatl\u0131 Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 Neden \u00d6nemlidir?<\/h2>\n<p>Tamamlay\u0131c\u0131 sa\u011fl\u0131ok sigortas\u0131, \u00fclkemizde SGK taraf\u0131ndan desteklenen bir uygulama olarak kar\u015f\u0131m\u0131za \u00e7\u0131kmaktad\u0131r. B\u00f6ylelikle \u00f6zel sa\u011fl\u0131okay sigortalar\u0131 ile kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda tamamlay\u0131c\u0131 sa\u011fl\u0131ok sigortas\u0131n\u0131n y\u0131ll\u0131ok prim \u00fccretleri daha d\u00fc\u015f\u00fckt\u00fcr. Prim \u00fccretlerinin d\u00fc\u015f\u00fcok olmas\u0131 ve bir\u00e7adequate tam te\u015fekk\u00fcll\u00fc \u00f6zel hastane ile anla\u015fmas\u0131n\u0131n bulunmas\u0131, bu sigorta t\u00fcr\u00fcn\u00fcn ne kadar \u00f6nemli bir konu oldu\u011funu ortaya koyar.<\/p>\n<p>Hamilelik d\u00f6nemi \u00f6ncesi evli \u00e7iftleri d\u00fc\u015f\u00fcnd\u00fcren bir\u00e7ok konu mevcuttur. Bunlardan birisi de hamilelik d\u00f6nemi boyunca s\u0131k s\u0131okay hastanede bulunma konusudur. Bu durumda \u00e7iftleri tedirgin eden bir nokta da \u00e7\u0131kacak olan masraflard\u0131r. Aniden ortaya \u00e7\u0131kabilecek ve beklenmedik olan ekstra masraflar da, bu noktan\u0131n di\u011fer bir boyutudur.<\/p>\n<p>Do\u011fum teminatl\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131okay sigortas\u0131, yaln\u0131zca do\u011fumu ve hamilelik s\u00fcrecini kapsayan ve teminat alt\u0131na alan bir teminat t\u00fcr\u00fcd\u00fcr. Hamilelik d\u00f6nemi ve sonras\u0131nda bebe\u011finizin sa\u011fl\u0131\u011f\u0131 i\u00e7in t\u00fcm endi\u015felerinizi ortadan kald\u0131racak olan do\u011fum teminat\u0131 da, bu noktada korkular\u0131n\u0131z\u0131 yenmenizi sa\u011flar.<\/p>\n<h2>Do\u011fum Teminatl\u0131 Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131nda Dikkat Edilmesi Gerekenler Nelerdir?<\/h2>\n<p>A\u015fa\u011f\u0131da yer alan maddeler, tamamlay\u0131c\u0131 sa\u011fl\u0131ok sigortan\u0131za do\u011fum teminat\u0131n\u0131 ekletmeden \u00f6nce dikkate alman\u0131z gereken hususlardan meydana gelmektedir. Dikkat edilmesi gereken hususlar \u015funlard\u0131r:<\/p>\n<p>Do\u011fum teminatl\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131, sadece sigortan\u0131z\u0131 yapt\u0131rm\u0131\u015f oldu\u011funuz sigorta firman\u0131z\u0131n anla\u015fmal\u0131 oldu\u011fu hastanelerde ge\u00e7erli say\u0131lacakt\u0131r. E\u011fer sigorta firman\u0131z\u0131n anla\u015fmal\u0131 olmad\u0131\u011f\u0131 hastanelerden hizmet al\u0131r iseniz, olu\u015fan masraflar\u0131 kendiniz kar\u015f\u0131lamak zorunda kal\u0131rs\u0131n\u0131z.<br>Do\u011fum teminatl\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131ok sigortas\u0131, regular ve sezeryan do\u011fumu teminat alt\u0131na almaktad\u0131r. Sigortan\u0131z\u0131n tam kapsam\u0131 SGK taraf\u0131nca belirlenece\u011fi i\u00e7in se\u00e7ece\u011finiz anestezi t\u00fcr\u00fc b\u00fcy\u00fcokay \u00f6l\u00e7\u00fcde \u00f6nem ta\u015f\u0131r. Yap\u0131lacak regular do\u011fum esnas\u0131nda epidural anestezi masraf\u0131 kar\u015f\u0131lanabilirken, sezeryan do\u011fumlarda ayn\u0131 anestezi t\u00fcr\u00fc masraf\u0131 kar\u015f\u0131lanm\u0131yor olabilir. Bu konu sizin i\u00e7in \u00f6nemli bir durum ise, mutlaka sigortan\u0131z\u0131 yapt\u0131rmadan \u00f6nce sigorta firman\u0131za bu konuyu dan\u0131\u015f\u0131n.<br>Do\u011fum teminatl\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131okay sigortas\u0131, yatarak tedavilerde s\u0131n\u0131rs\u0131z olurken, masraflar\u0131n t\u00fcm\u00fcn\u00fc kar\u015f\u0131lamaktad\u0131r. Ancak hamilelik d\u00f6nemi boyunca yararlanaca\u011f\u0131n\u0131z do\u011fum teminat\u0131, ayakta tedavi teminat\u0131 al\u0131nmas\u0131 \u015fartwork\u0131 ile verilmektedir. Bu nedenle tetkikler ve muayene, sigorta firmas\u0131n\u0131n belirledi\u011fi durumlar ile s\u0131n\u0131rl\u0131d\u0131r.<br><h2>Do\u011fum Teminatl\u0131 Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 Neleri Kapsar?<\/h2><\/p>\n<p>Do\u011fum teminatl\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 a\u015fa\u011f\u0131da verilmi\u015f olan durumlar\u0131 kapsamaktad\u0131r:<\/p>\n<p>30 g\u00fcn hastanede kal\u0131\u015f \u00f6ncesi ve 60 g\u00fcn sonras\u0131 hastanede kal\u0131\u015f masraflar\u0131,<br>Hem\u015firelik, oda kiras\u0131, anestezist \u00fccretleri ve doktor \u00fccretleri ile ilgili hastanede kal\u0131\u015f giderleri,<br>Yeni do\u011fmu\u015f bir bebe\u011fin t\u0131bbi tedavisi ile ilgili masraflar,<br>G\u00fcnl\u00fcok bak\u0131m tedavisi,<br>Yeni do\u011fan bebekler i\u00e7in a\u015f\u0131 giderleri,<br>Sigortal\u0131ya gidi\u015f geli\u015f i\u00e7in ambulans masraflar\u0131.<br><h2>Do\u011fum Teminatl\u0131 Tamamlay\u0131c\u0131 Sa\u011fl\u0131ok Sigortas\u0131 D\u0131\u015f\u0131nda Kalan Durumlar Nelerdir?<\/h2><\/p>\n<p>Her y\u0131l d\u00fczenlenen do\u011fum teminatl\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131okay sigortas\u0131, baz\u0131 durumlarda ortaya \u00e7\u0131kan masraflar\u0131 kar\u015f\u0131lamayabilir. Teminat d\u0131\u015f\u0131 kalan durumlar a\u015fa\u011f\u0131da verilmi\u015ftir:<\/p>\n<p>D\u00fc\u015f\u00fck durumunun ara\u015ft\u0131r\u0131lmas\u0131,<br>Hamilelik \u00f6ncesi ara\u015ft\u0131r\u0131lan tetkikler,<br>K\u0131s\u0131rl\u0131ok tan\u0131 koyulmas\u0131 ve tedavisi,<br>Do\u011fum kontrol ila\u00e7lar\u0131,<br>Talebe ba\u011fl\u0131 yap\u0131lan okay\u00fcrtaj durumu,<br>Cinsiyet de\u011fi\u015ftirme durumlar\u0131,<br>K\u00f6k h\u00fccre klonlanmas\u0131,<br>Cinsel i\u015flev bozukluklar\u0131,<br>Rahim i\u00e7i arac\u0131 tak\u0131lmas\u0131 gibi durumlar, do\u011fum teminatl\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131ok sigortas\u0131 kapsam\u0131 d\u0131\u015f\u0131nda kabul edilir.<br><h2>Do\u011fum Teminatl\u0131 Tamamlay\u0131c\u0131 Sa\u011fl\u0131ok Sigortas\u0131 Bekleme S\u00fcresi Ne Kadard\u0131r?<\/h2><\/p>\n<p>Do\u011fum teminatl\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 do\u011fumdan ne kadar s\u00fcre \u00f6nce yap\u0131lmal\u0131 konusu olduk\u00e7a \u00f6nemlidir. Sigorta \u015firketleri do\u011fum teminatl\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131okay sigortas\u0131 i\u00e7in bekleme s\u00fcresi uygulamaktad\u0131r.<\/p>\n<p>Belirli bir zaman zarf\u0131 boyunca hamile kalmama \u015fart\u0131, do\u011fum teminatl\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131okay sigortas\u0131 i\u00e7in ge\u00e7erlidir. Poli\u00e7e ba\u015flang\u0131\u00e7 tarihinden itibaren sigorta \u015firketinin belirlemi\u015f oldu\u011fu s\u00fcrede hamilelik durumunun olu\u015fmamas\u0131 dikkat edilmesi gereken noktalardan biridir.<\/p>\n<p>Lider sigorta acentesi Rasel Sigorta \u00fczerinden sadece birka\u00e7 ad\u0131mda tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 sorgulamas\u0131 yaparak, tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 teklifine kolayca ula\u015fabilirsiniz.<\/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>Do\u011fum Teminatl\u0131 Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 Nedir? Bireylerde hamilelik d\u00f6nemi, ba\u015flang\u0131c\u0131ndan sona ermesine kadar \u00f6zenle planlanmas\u0131 ve \u00e7adequate dikkat edilmesi gereken zaman dilimlerinden bir tanesidir. Do\u011fum ve hamilelik ile ilgili \u00f6zel hastanelerden hizmet almak isteyen bireyler, do\u011fum teminatl\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131okay sigortas\u0131 se\u00e7ene\u011finden s\u0131k\u00e7a yararlanmaktad\u0131r. O halde do\u011fum teminatl\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 nedir, neden \u00f6nemlidir? Hadi gelin [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4891,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,26],"tags":[],"class_list":["post-4889","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\/4889","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=4889"}],"version-history":[{"count":4,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4889\/revisions"}],"predecessor-version":[{"id":4895,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4889\/revisions\/4895"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/media\/4891"}],"wp:attachment":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/media?parent=4889"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/categories?post=4889"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/tags?post=4889"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}