{"id":1055,"date":"2019-08-02T02:00:32","date_gmt":"2019-08-02T02:00:32","guid":{"rendered":"https:\/\/www.mapfre.com.tr\/blog\/?p=1055"},"modified":"2024-09-18T12:51:59","modified_gmt":"2024-09-18T12:51:59","slug":"saglik-sigortasi-nedir","status":"publish","type":"post","link":"https:\/\/www.mapfre.com.tr\/blog\/yasa\/saglik-sigortasi-nedir\/","title":{"rendered":"\u00d6zel Sa\u011fl\u0131k Sigortas\u0131 Nedir, Ne \u0130\u015fe Yarar?"},"content":{"rendered":"<p>Ne yaz\u0131k ki sa\u011fl\u0131k sorunlar\u0131 hayat\u0131n bir ger\u00e7e\u011fi. Hastal\u0131k ya da kaza sonucu ya\u015fanabilecek sa\u011fl\u0131k sorunlar\u0131n\u0131n tedavisi i\u00e7in ise kendinizi g\u00fcvence alt\u0131na alman\u0131z olduk\u00e7a \u00f6nemli. Bu sayede diledi\u011finiz anla\u015fmal\u0131 \u00f6zel hastanede, diledi\u011finiz doktora tedavi olabilirsiniz. Peki, kendinizi nas\u0131l m\u0131 g\u00fcvence alt\u0131na alacaks\u0131n\u0131z? Elbette \u00f6zel sa\u011fl\u0131k sigortalar\u0131 sayesinde! Haydi \u015fimdi, \u00f6zel sa\u011fl\u0131k sigortas\u0131 neleri kapsar, hangi avantajlar\u0131 sunar gibi sorular\u0131n cevaplar\u0131n\u0131 verelim.<!--more--><\/p>\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1602935511179\"><strong class=\"schema-faq-question\"><strong>\u00d6zel Sa\u011fl\u0131k Sigortas\u0131 Ne Demek?<\/strong><\/strong> <p class=\"schema-faq-answer\"><br\/>\u00d6zel sa\u011fl\u0131k sigortas\u0131; kaza veya hastal\u0131k nedeniyle meydana gelen sa\u011fl\u0131k sorunlar\u0131n\u0131n tedavisini, poli\u00e7enizde yer alan teminatlar ve limitler d\u00e2hilinde kar\u015f\u0131layan sigorta t\u00fcr\u00fcd\u00fcr. Bu do\u011frultuda \u00f6zel sa\u011fl\u0131k sigortas\u0131 poli\u00e7esi yapt\u0131r\u0131rken teminatlara g\u00f6z atmay\u0131 ve ihtiyac\u0131n\u0131z olabilece\u011fini d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fcz teminatlar\u0131 poli\u00e7enize d\u00e2hil etmeyi unutmamal\u0131s\u0131n\u0131z.<br\/>\u00d6zel sa\u011fl\u0131k sigortan\u0131zdan yararland\u0131\u011f\u0131n\u0131zda diledi\u011finiz doktoru se\u00e7ebilir ve tedaviniz i\u00e7in ihtiyac\u0131n\u0131z olan hizmetleri \u00fccretsiz ya da minimum \u00fccret \u00f6deyerek alabilirsiniz. Bu arada \u201c\u00d6zel sa\u011fl\u0131k sigortas\u0131 zorunlu mu?\u201d sorusunun cevab\u0131n\u0131 da vermekte fayda var. \u00d6zel sa\u011fl\u0131k sigortas\u0131 zorunlu de\u011fildir, iste\u011fe ba\u011fl\u0131d\u0131r ve 18-65 ya\u015f aras\u0131, gerekli \u015fartlar\u0131 sa\u011flayan herkes \u00f6zel sa\u011fl\u0131k sigortas\u0131 sahibi olabilir. 1 y\u0131l s\u00fcreyle yap\u0131lan sa\u011fl\u0131k sigortalar\u0131, y\u0131l bitiminde ki\u015finin durumuna g\u00f6re yenilenebilir.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1602935523847\"><strong class=\"schema-faq-question\"><strong>\u00d6zel Sa\u011fl\u0131k Sigortas\u0131\u2019n\u0131n Avantajlar\u0131 Nelerdir?<\/strong><\/strong> <p class=\"schema-faq-answer\"><br\/>\u201cZaten sosyal g\u00fcvencem var. Neden sa\u011fl\u0131k sigortas\u0131na ihtiyac\u0131m olsun ki?\u201d diye d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z hemen cevap verelim: \u00d6zel sa\u011fl\u0131k sigortas\u0131, \u00f6zel sa\u011fl\u0131k kurulu\u015flar\u0131na \u00f6deyece\u011finiz miktarlar\u0131n alt\u0131nda bir fiyatla her t\u00fcrl\u00fc sa\u011fl\u0131k hizmetinden bir sene boyunca yararlanabilmenizi sa\u011flar.<br\/>Yani sigorta poli\u00e7enizde belirtilen yatarak ve ayakta tedavi olanaklar\u0131ndan b\u00fct\u00e7enizi yormadan, istedi\u011finiz hastanede muayene olarak ya da tedavi g\u00f6rerek yararlanabilirsiniz.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Peki, yatarak ve ayakta tedaviye neler d\u00e2hildir?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2018\/07\/ozel-saglik-sigortasinin-avantajlari.jpg\" alt=\"\u00d6zel Sa\u011flik Sigortas\u0131n\u0131n Avantajlar\u0131\" class=\"wp-image-4891\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2018\/07\/ozel-saglik-sigortasinin-avantajlari.jpg 1000w, https:\/\/www.mapfre.com.tr\/blog\/media\/2018\/07\/ozel-saglik-sigortasinin-avantajlari-300x150.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2018\/07\/ozel-saglik-sigortasinin-avantajlari-768x384.jpg 768w, https:\/\/www.mapfre.com.tr\/blog\/media\/2018\/07\/ozel-saglik-sigortasinin-avantajlari-585x293.jpg 585w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Neler Yatarak Tedavi Kapsam\u0131na Girer?<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Ameliyatlar<\/li><li>24 saat yat\u0131\u015f gerektiren ameliyats\u0131z tedaviler,<\/li><li>Kemoterapi, radyoterapi ve diyaliz giderleri (24 saat yat\u0131\u015f gerektirmese dahi),<\/li><li>TTB Asgari \u00dccret Tarifesi\u2019ne g\u00f6re ayakta veya yatarak yap\u0131lmas\u0131na bak\u0131lmaks\u0131z\u0131n 149 birime kadar olan cerrahi ve ortopedik m\u00fcdahaleler,<\/li><li>Evde verilen t\u0131bbi bak\u0131m hizmetleri,<\/li><li>Kaza ve hastal\u0131k sonucu gerekli h\u00e2le gelen el, kol, bacak, g\u00f6z, meme protezlerine ili\u015fkin giderler,<\/li><li>Acil durum tan\u0131m\u0131na uyan hallerde, yerinde m\u00fcdahaleye veya en yak\u0131n sa\u011fl\u0131k kurulu\u015funa nakle ili\u015fkin giderler,<\/li><li>Trafik kazas\u0131 sonucu zedelenmi\u015f di\u015flere uygulanan t\u0131bbi ve cerrahi m\u00fcdahaleler<\/li><li>Sigortal\u0131n\u0131n yatarak tedavisi kapsam\u0131nda ger\u00e7ekle\u015fen tedavisine ili\u015fkin rehabilitasyon giderleri,<\/li><li>Ameliyat tazminat teminat\u0131.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Neler Ayakta Tedavi Kapsam\u0131na Girer?<\/strong><\/h3>\n\n\n\n<p>Ayakta tedavide tan\u0131 ve tedavi hastanede yatmay\u0131 gerektirmez. Bu \u00e7er\u00e7evede ayakta tedavi teminatlar\u0131na \u015fu haller girmektedir:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Doktor muayenesi,<\/li><li>Re\u00e7eteli ila\u00e7,<\/li><li>G\u00f6r\u00fcnt\u00fcleme masraflar\u0131,<\/li><li>Fizik tedavi giderleri,<\/li><li>Hastal\u0131\u011f\u0131n tedavisi i\u00e7in gereken bandaj, byunluk, koltuk de\u011fne\u011fi, varis \u00e7orab\u0131 gibi,yard\u0131mc\u0131 t\u00fcm t\u0131bbi malzemeler.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2018\/07\/ozel-saglik-sigortasi-fiyatlari.jpg\" alt=\"\u00d6zel Sa\u011fl\u0131k Sigortas\u0131 Fiyatlar\u0131\" class=\"wp-image-4892\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2018\/07\/ozel-saglik-sigortasi-fiyatlari.jpg 1000w, https:\/\/www.mapfre.com.tr\/blog\/media\/2018\/07\/ozel-saglik-sigortasi-fiyatlari-300x150.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2018\/07\/ozel-saglik-sigortasi-fiyatlari-768x384.jpg 768w, https:\/\/www.mapfre.com.tr\/blog\/media\/2018\/07\/ozel-saglik-sigortasi-fiyatlari-585x293.jpg 585w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00d6zel Sa\u011fl\u0131k Sigortas\u0131 Fiyatlar\u0131 Neye G\u00f6re Belirlenir?<\/strong><\/h2>\n\n\n\n<p>\u00d6demeniz gereken \u00d6zel sa\u011fl\u0131k sigortas\u0131 primleri; ya\u015f\u0131n\u0131z, cinsiyetiniz, sa\u011fl\u0131k ge\u00e7mi\u015finiz ve poli\u00e7enize d\u00e2hil etmek istedi\u011finiz ek teminatlar do\u011frultusunda \u015fekillenir. Yani primler ki\u015fisel olarak hesapland\u0131\u011f\u0131 i\u00e7in \u201c\u00d6zel sa\u011fl\u0131k sigortas\u0131 ne kadar?\u201d sorusuna verilebilecek net bir cevap yoktur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00d6zel Sa\u011fl\u0131k Sigortas\u0131 ve Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 Aras\u0131nda Ne Fark Var?<\/strong><\/h2>\n\n\n\n<p>E\u011fer sa\u011fl\u0131\u011f\u0131n\u0131z\u0131 g\u00fcvence alt\u0131na almak istiyorsan\u0131z bu s\u00fcre\u00e7te \u201c\u00d6zel sa\u011fl\u0131k sigortas\u0131 m\u0131, tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 m\u0131?\u201d sorusu akl\u0131n\u0131zda olu\u015fabilir. \u00d6ncelikle bu iki sigorta \u00e7e\u015fidinin ayn\u0131 olmad\u0131\u011f\u0131n\u0131 s\u00f6yleyelim. <\/p>\n\n\n\n<p>Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131n\u0131 \u00f6zel sa\u011fl\u0131k sigortas\u0131ndan ay\u0131ran en temel fark, anla\u015fmal\u0131 \u00f6zel hastanelerde ge\u00e7erli olmas\u0131d\u0131r ve bu sigortaya sahipseniz ek \u00fccret \u00f6demeden muayene olabilirsiniz. Ayr\u0131ca tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131ndan yararlanmak i\u00e7in SGK\u2019l\u0131 olman\u0131z gerekir. \u00d6zel sa\u011fl\u0131k sigortas\u0131ndan ise SGK\u2019l\u0131 olmasan\u0131z bile yararlanabilirsiniz.<\/p>\n\n\n\n<p>\u0130ki sigortan\u0131n aras\u0131ndaki di\u011fer ana farklar\u0131 incelemek i\u00e7in \u201c<a href=\"https:\/\/www.mapfre.com.tr\/blog\/yasa\/ozel-saglik-sigortasi-ile-tamamlayici-saglik-sigortasi-arasindaki-farklar\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (yeni sekmede a\u00e7\u0131l\u0131r)\">\u00d6zel Sa\u011fl\u0131k Sigortas\u0131 ile Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 Aras\u0131ndaki Farklar<\/a>\u201d yaz\u0131m\u0131z\u0131 okuman\u0131z\u0131 ve bu do\u011frultuda karar vermenizi \u00f6neririz.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00d6zel Sa\u011fl\u0131k Sigortas\u0131 Nas\u0131l Yap\u0131l\u0131r?<\/strong><\/h2>\n\n\n\n<p>\u00d6zel sa\u011fl\u0131k sigortas\u0131 yapt\u0131rmak, d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fczden daha kolay! Sa\u011fl\u0131k giderlerinizi teminatlar ve limitler d\u00e2hilinde kar\u015f\u0131lay\u0131p diledi\u011finiz kalitede sa\u011fl\u0131k hizmeti alman\u0131z\u0131 sa\u011flayan \u00f6zel sa\u011fl\u0131k sigortas\u0131n\u0131 yapt\u0131rmak i\u00e7in ilk ad\u0131m olarak <a rel=\"noreferrer noopener\" aria-label=\" (yeni sekmede a\u00e7\u0131l\u0131r)\" href=\"http:\/\/saglikprimhesaplama.mapfregenelsigorta.com\/\" target=\"_blank\">MAPFRE Sigorta Prim Hesaplama<\/a> sayfam\u0131z\u0131 ziyaret edebilirsiniz. Dilerseniz <a href=\"https:\/\/form.mapfre.com.tr\/iletisim\/formlar\/acenteler\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (yeni sekmede a\u00e7\u0131l\u0131r)\">acentelerimiz<\/a> de sa\u011fl\u0131k g\u00fcvencenizi olu\u015fturma konusunda size yard\u0131mc\u0131 olabilir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00d6zel sa\u011fl\u0131k sigortas\u0131 nedir, size ne gibi avantajlar sunar merak ediyor musunuz? O halde hemen yaz\u0131m\u0131z\u0131 okuyun ve bu s\u00fcper kahraman\u0131 daha yak\u0131ndan tan\u0131y\u0131n.<\/p>\n","protected":false},"author":3,"featured_media":4893,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,887],"tags":[899,901],"class_list":["post-1055","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-iyi-yasam","category-yasa","tag-ipucu","tag-saglik"],"_links":{"self":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/1055","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=1055"}],"version-history":[{"count":7,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/1055\/revisions"}],"predecessor-version":[{"id":6648,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/1055\/revisions\/6648"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/4893"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=1055"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=1055"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=1055"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}