{"id":4939,"date":"2022-12-05T11:41:35","date_gmt":"2022-12-05T08:41:35","guid":{"rendered":"http:\/\/gencbilgiislem.com\/sigorta\/?p=4939"},"modified":"2022-12-05T11:43:29","modified_gmt":"2022-12-05T08:43:29","slug":"pandemi-donemi-en-cok-sigortalanan-seyler-nelerdir","status":"publish","type":"post","link":"http:\/\/gencbilgiislem.com\/sigorta\/pandemi-donemi-en-cok-sigortalanan-seyler-nelerdir\/","title":{"rendered":"Pandemi D\u00f6nemi En \u00c7ok Sigortalanan \u015eeyler Nelerdir?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4939\" class=\"elementor elementor-4939\">\n\t\t\t\t\t\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-3c9981b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3c9981b1\" 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-3f76ada8\" data-id=\"3f76ada8\" data-element_type=\"column\">\n            <div class=\"elementor-widget-wrap elementor-element-populated\">\n                        \t\t<div class=\"elementor-element elementor-element-be370e8 elementor-widget elementor-widget-text-editor\" data-id=\"be370e8\" 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>Pandemi d\u00f6neminde ortaya \u00e7\u0131kan sa\u011fl\u0131ok sorunlar\u0131 bir\u00e7ok i\u015fletmeyi, i\u015fvereni ve bireysel ki\u015fileri olduk\u00e7a zarara u\u011fratm\u0131\u015ft\u0131r. Sa\u011fl\u0131ok a\u00e7\u0131s\u0131ndan bir\u00e7adequate problemin meydana gelmesi ve maddi manevi olu\u015fan zararlar neticesinde pandemi d\u00f6neminde hayat sigortas\u0131 ba\u015fta olmak \u00fczere, t\u00fcm alanlarda sigorta poli\u00e7elerine talepte yo\u011fun bir artwork\u0131\u015f g\u00f6zlenmi\u015ftir. Sa\u011fl\u0131k boyutunda risklerin \u00e7adequate oldu\u011fu pandemi d\u00f6nemi, bireylerin ya\u015famlar\u0131 i\u00e7in bir tehdit unsuru olarak an\u0131lmaktad\u0131r. Bireyler sa\u011fl\u0131okay ve hayat sigortas\u0131 yapt\u0131rarak hem kendilerini hem de yak\u0131nlar\u0131n\u0131 koruma alt\u0131na al\u0131rken ayn\u0131 zamanda olas\u0131 sa\u011fl\u0131okay sorunlar\u0131nda ortaya \u00e7\u0131kacak hastane masraflar\u0131 i\u00e7in de sigorta poli\u00e7esinden faydalanabilmektedir. Peki pandemi d\u00f6nemi en \u00e7adequate sigortalanan \u015feyler nelerdir? Hadi gelin hep birlikte bu konuyu daha yak\u0131ndan inceleyelim.<\/p>\n<h2>Trafik Sigortas\u0131<\/h2>\n<p>Pandemi d\u00f6neminde en fazla talep art\u0131\u015f\u0131 g\u00f6ren trafik sigortas\u0131, ara\u00e7lar\u0131n daha g\u00fcvenli bir \u015fekilde hareket etmesini sa\u011flarken, ya\u015fanabilecek olas\u0131 t\u00fcm kazalarda masraflar\u0131n sigorta taraf\u0131ndan kar\u015f\u0131lanmas\u0131na yard\u0131mc\u0131 olmaktad\u0131r. Ara\u00e7lar\u0131n trafi\u011fe \u00e7\u0131kabilmesi i\u00e7in zorunlu olarak yapt\u0131r\u0131lmas\u0131 gereken trafik sigortas\u0131, ara\u00e7lar\u0131 ve bireyleri s\u00fcrekli tekrar eden trafik kazalar\u0131na kar\u015f\u0131 bir koruma sa\u011flamaktad\u0131r. Ara\u00e7lar\u0131n t\u00fcr\u00fc ve \u00f6zellikleri bu anlamda \u00f6n plana \u00e7\u0131kmazken, trafikte korumal\u0131 bir \u015fekilde hareket edilmesi ve ara\u00e7lar\u0131n maddi hasarlar\u0131n\u0131n kar\u015f\u0131lanmas\u0131 konusunda bireylere \u00f6zel olarak haz\u0131rlanm\u0131\u015f paketler de trafik sigortas\u0131n\u0131n \u00f6nemini vurgulamaktad\u0131r.<\/p>\n<p>Bireylere ve ara\u00e7lara y\u00f6nelik belirlenen trafik sigortas\u0131 paketlerinin bulunmas\u0131, ya\u015fanan kazalarda meydana gelen maddi hasar ve sa\u011fl\u0131ok masraflar\u0131 konusunda poli\u00e7eden faydalanma imkan\u0131 sunar. Belirli ko\u015fullar alt\u0131nda i\u015flemde yer alan trafik sigortas\u0131 \u00f6denekleri, \u00f6zellikle ara\u00e7 sahiplerinin kusurlu bulunmad\u0131\u011f\u0131 ve do\u011fal afetler nedeniyle ara\u00e7lar\u0131n zarar g\u00f6rmemesi halinde masraflar\u0131n tamam\u0131n\u0131n kar\u015f\u0131lanma durumunda ortaya \u00e7\u0131kar. Kusurlu taraf\u0131n ara\u00e7 sahibi olmas\u0131 halinde ise kazada bulunan ve yaralanan bireylerin hastane ve bak\u0131m masraflar\u0131 gibi \u00f6demeler, trafik sigortas\u0131 poli\u00e7esinin kapsam\u0131nda finanse edilmektedir.<\/p>\n<h2>Tamamlay\u0131c\u0131 Sa\u011fl\u0131ok Sigortas\u0131<\/h2>\n<p>Pandemi d\u00f6nemi \u00f6zellikle sa\u011fl\u0131k alan\u0131nda olduk\u00e7a endi\u015fe uyand\u0131ran bir d\u00f6nem olmakla birlikte bu d\u00f6nem i\u00e7erisinde bireyler ara\u00e7 ve m\u00fclk sigortas\u0131ndan \u00f6nce hayat sigortas\u0131 ve tamamlay\u0131c\u0131 sa\u011fl\u0131ok sigortas\u0131 paketlerini tercih etmi\u015ftir. Bireylerin koronavir\u00fcse yakalanma riskinin y\u00fcksek oldu\u011fu bu d\u00f6nemde hastal\u0131k durumunun olu\u015fmas\u0131 uzun s\u00fcre hastane hizmetlerine ihtiya\u00e7 duyulaca\u011f\u0131n\u0131 ortaya \u00e7\u0131karm\u0131\u015ft\u0131r.<\/p>\n<p>Tamamlay\u0131c\u0131 sa\u011fl\u0131okay sigortas\u0131 paketleri, bireylerin talepleri do\u011frultusunda istedikleri prim tutar\u0131na ve hizmet t\u00fcr\u00fcne g\u00f6re de\u011fi\u015fkenlik g\u00f6sterirken, bireylere \u00f6zel olarak haz\u0131rlanan paketlerde hastane ve bak\u0131m masraflar\u0131n\u0131n hepsine yer verilmektedir. Hastane ihtiyac\u0131 ve her an hastaneye yatma riskinin yo\u011fun oldu\u011fu bu d\u00f6nemde, SGK sigortas\u0131na ek olarak tamamlay\u0131c\u0131 sa\u011fl\u0131okay sigortas\u0131 paketlerinin \u00f6nemi de olduk\u00e7a artm\u0131\u015ft\u0131r. Sigorta \u015firketlerince sunulan sigorta paketleri kapsam\u0131nda, koronavir\u00fcs veya farkl\u0131 bir hastal\u0131k sebebi ile trouble ya\u015fayan bireyler, t\u00fcm masraflar\u0131 i\u00e7in sigorta paketleri arac\u0131l\u0131\u011f\u0131 ile \u00f6denek alma hakk\u0131na sahiptir.<\/p>\n<h2>Hayat Sigortas\u0131<\/h2>\n<p>Pandemi d\u00f6neminde ya\u015fanan vefat oranlar\u0131n\u0131n artmas\u0131, bireylerin ya\u015fam\u0131n\u0131 sigortalatma gibi ihtiya\u00e7lar\u0131 do\u011furmu\u015f, bu konuda yo\u011fun bir artwork\u0131\u015fa sebep olmu\u015ftur. Hayat sigortas\u0131 paketleri kapsam\u0131nda bireylerin hayat\u0131 boyunca miras\u00e7\u0131 olarak g\u00f6rd\u00fc\u011f\u00fc ve kabul etti\u011fi bireyler g\u00fcvence alt\u0131na al\u0131nmaktad\u0131r. Pandemi veya farkl\u0131 bir sebepten hayat\u0131n\u0131 kaybetmi\u015f olan bireyler, hayat sigortas\u0131 poli\u00e7esi dahilinde verilmekte olan \u00f6denekler ile birlikte sevdiklerini koruma alt\u0131na almay\u0131 se\u00e7mi\u015ftir. \u00d6zellikle sa\u011fl\u0131k sorunlar\u0131n ve vefatlar\u0131n olduk\u00e7a artwork\u0131\u015f g\u00f6sterdi\u011fi pandemi d\u00f6neminde, sigorta talebinde bulunan bireylerin say\u0131s\u0131, di\u011fer sigorta t\u00fcrleri ile kar\u015f\u0131los angeles\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda olduk\u00e7a y\u00fcksek say\u0131da oldu\u011fu g\u00f6r\u00fclmektedir.<\/p>\n<p>Y\u0131l<\/p>\n<p>Sigorta T\u00fcr\u00fc<\/p>\n<p>B\u00fcy\u00fcme Oran\u0131<\/p>\n<p>2020<\/p>\n<p>T\u00fcm Sigorta Kollar\u0131<\/p>\n<p>%19,three<\/p>\n<p>2020<\/p>\n<p>Hayat Sigortas\u0131<\/p>\n<p>%27<\/p>\n<p>2020<\/p>\n<p>Trafik Sigortas\u0131<\/p>\n<p>%eight,64<\/p>\n<p>2020<\/p>\n<p>Kasko Sigortas\u0131<\/p>\n<p>%14,15<\/p>\n<p>2020<\/p>\n<p>Yang\u0131n \/ Do\u011fal Afet Sigortas\u0131<\/p>\n<p>%25,32<\/p>\n<p><\/p>\n<p>Sigorta kollar\u0131 i\u00e7erisindeki b\u00fcy\u00fcme oranlar\u0131 incelendi\u011finde, pandemi d\u00f6neminin de etkisi ile sa\u011fl\u0131okay sigortas\u0131 ve hayat sigortas\u0131 gibi alanlarda maksimum b\u00fcy\u00fcme g\u00f6zlenmektedir.<\/p>\n<h2>Deprem Sigortas\u0131 (DASK)<\/h2>\n<p>Deprem ve do\u011fal afet sigortas\u0131 alan\u0131nda 2020 y\u0131l\u0131 i\u00e7erisinde en b\u00fcy\u00fck ikinci artwork\u0131\u015f\u0131n meydana geldi\u011fi a\u00e7\u0131klanm\u0131\u015ft\u0131r. Sigorta \u015firketlerinin \u00e7o\u011funda ya\u015fanan b\u00fcy\u00fcme pay\u0131 i\u00e7erisinde en b\u00fcy\u00fcok b\u00fcy\u00fcme oran\u0131na sahip olan deprem sigortas\u0131, ya\u015fanan deprem ve do\u011fal afetlerin artmas\u0131 sebebi ile de\u011fer g\u00f6rmeye ba\u015flam\u0131\u015ft\u0131r. Her ev i\u00e7in zorunlu olarak yapt\u0131r\u0131lmas\u0131 gereken deprem sigortas\u0131, deprem veya farkl\u0131 bir do\u011fal afet an\u0131nda ortaya \u00e7\u0131kan t\u00fcm hasar\u0131n kar\u015f\u0131lanmas\u0131n\u0131 sa\u011flar. Eski ya da yeni olmas\u0131n\u0131n \u00f6nemi g\u00f6z ard\u0131 edilen bu noktada deprem riski ya\u015fayan t\u00fcm b\u00f6lgelerdeki ev yap\u0131lar i\u00e7in deprem sigortas\u0131n\u0131n yapt\u0131r\u0131lmas\u0131 olduk\u00e7a \u00f6nemlidir. \u00d6zellikle deprem riskinin yo\u011fun oldu\u011fu baz\u0131 b\u00f6lgelerde tercih edilen deprem sigortas\u0131 paketleri sayesinde deprem an\u0131nda olu\u015fan her t\u00fcrl\u00fc maddi hasar i\u00e7in \u00f6denek haz\u0131rlanm\u0131\u015ft\u0131r. Deprem sigortas\u0131 paketleri ev sahiplerine veya evde oturan kirac\u0131lara do\u011frudan \u00f6denecek olup, bireylerin durumlar\u0131 ve taleplerine y\u00f6nelik farkl\u0131 i\u00e7eriklerin ortaya \u00e7\u0131kmas\u0131yla belirlenmektedir.<\/p>\n<p>Pandemi d\u00f6neminde sigorta taleplerinin artmas\u0131, sigorta \u015firketlerinin \u00e7e\u015fitli paketler olu\u015fturmas\u0131n\u0131 sa\u011flam\u0131\u015ft\u0131r. Bu d\u00f6nemde en fazla talep g\u00f6ren sa\u011fl\u0131okay ve hayat sigortalar\u0131n\u0131n yan\u0131nda, deprem riskinin y\u00fcksek oldu\u011fu b\u00f6lgelerde ya\u015fan\u0131lmas\u0131 ve deprem olaylar\u0131n\u0131n artmas\u0131 nedeni ile de DASK sigortas\u0131 paketleri haz\u0131rlanmaktad\u0131r. Genellikle do\u011fal afetler ve deprem i\u00e7in kullan\u0131lan DASK sigortas\u0131, t\u00fcm konut ve yap\u0131lar i\u00e7in zorunlu olarak yapt\u0131r\u0131lmas\u0131 gereken bir sigorta t\u00fcr\u00fc olarak kar\u015f\u0131m\u0131za \u00e7\u0131kmaktad\u0131r. Ev sat\u0131n al\u0131rken, kiralarken veya gayrimenkullerin kira ya da sat\u0131\u015f i\u015flemlerini ger\u00e7ekle\u015ftirirken, DASK sigortas\u0131n\u0131n yapt\u0131r\u0131lmas\u0131 gerekir. Sigorta poli\u00e7esinde yer alan s\u00fcre kapsam\u0131nda, herhangi bir do\u011fal afet veya depremin meydana gelmesi halinde DASK sigortas\u0131 ile sigortal\u0131 bireylere maddi \u00f6denek sa\u011flan\u0131r. Pandemi d\u00f6neminde sigorta primi tutarlar\u0131 de\u011fi\u015fkenlik g\u00f6sterdi\u011finden dolay\u0131, DASK poli\u00e7esi i\u00e7in \u00f6denmesi gereken prim tutarlar\u0131, talepler do\u011frultusunda olu\u015fturulan paketlerin genel niteliklerine g\u00f6re belirlenmektedir.<\/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>Pandemi d\u00f6neminde ortaya \u00e7\u0131kan sa\u011fl\u0131ok sorunlar\u0131 bir\u00e7ok i\u015fletmeyi, i\u015fvereni ve bireysel ki\u015fileri olduk\u00e7a zarara u\u011fratm\u0131\u015ft\u0131r. Sa\u011fl\u0131ok a\u00e7\u0131s\u0131ndan bir\u00e7adequate problemin meydana gelmesi ve maddi manevi olu\u015fan zararlar neticesinde pandemi d\u00f6neminde hayat sigortas\u0131 ba\u015fta olmak \u00fczere, t\u00fcm alanlarda sigorta poli\u00e7elerine talepte yo\u011fun bir artwork\u0131\u015f g\u00f6zlenmi\u015ftir. Sa\u011fl\u0131k boyutunda risklerin \u00e7adequate oldu\u011fu pandemi d\u00f6nemi, bireylerin ya\u015famlar\u0131 i\u00e7in bir tehdit [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4884,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,26],"tags":[],"class_list":["post-4939","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\/4939","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=4939"}],"version-history":[{"count":4,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4939\/revisions"}],"predecessor-version":[{"id":4944,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/4939\/revisions\/4944"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/media\/4884"}],"wp:attachment":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/media?parent=4939"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/categories?post=4939"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/tags?post=4939"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}