{"id":10969,"date":"2026-06-28T18:47:34","date_gmt":"2026-06-28T18:47:34","guid":{"rendered":"https:\/\/www.mapfre.com.tr\/blog\/?p=10969"},"modified":"2026-06-30T08:24:52","modified_gmt":"2026-06-30T08:24:52","slug":"tamamlayici-saglik-sigortasi-ile-hangi-ameliyatlar-karsilanir","status":"publish","type":"post","link":"https:\/\/www.mapfre.com.tr\/blog\/yasa\/tamamlayici-saglik-sigortasi-ile-hangi-ameliyatlar-karsilanir\/","title":{"rendered":"Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 ile Hangi Ameliyatlar Kar\u015f\u0131lan\u0131r?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Sa\u011fl\u0131k, ya\u015fam kalitesini do\u011frudan etkileyen en \u00f6nemli unsurlardan biridir. Beklenmedik bir hastal\u0131k veya cerrahi m\u00fcdahale gerektiren bir sa\u011fl\u0131k sorunu ile kar\u015f\u0131la\u015f\u0131ld\u0131\u011f\u0131nda, kaliteli sa\u011fl\u0131k hizmetlerine h\u0131zl\u0131 eri\u015fim kadar tedavi maliyetlerinin y\u00f6netilebilir olmas\u0131 da \u00f6nem ta\u015f\u0131r.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p class=\"wp-block-paragraph\">Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 (TSS), Sosyal G\u00fcvenlik Kurumu (SGK) g\u00fcvencesi bulunan ki\u015filerin SGK ile anla\u015fmal\u0131 \u00f6zel sa\u011fl\u0131k kurulu\u015flar\u0131nda ek g\u00fcvenceye sahip olmas\u0131n\u0131 sa\u011flar. Ancak bir\u00e7ok ki\u015finin akl\u0131nda benzer bir soru bulunur: &#8220;Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 ameliyat masraflar\u0131n\u0131 kar\u015f\u0131lar m\u0131?&#8221;Bu sorunun yan\u0131t\u0131 genel olarak evet olsa da, kapsam poli\u00e7enin \u00f6zel \u015fartlar\u0131na, sigortal\u0131n\u0131n sa\u011fl\u0131k ge\u00e7mi\u015fine, SGK uygulamalar\u0131na ve ilgili tedavinin teminat kapsam\u0131nda de\u011ferlendirilmesine ba\u011fl\u0131 olarak de\u011fi\u015febilir. Mapfre Sigorta olarak bu rehberde, tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131n\u0131n ameliyat teminatlar\u0131n\u0131, yatarak tedavi kapsam\u0131n\u0131, bekleme s\u00fcrelerini ve dikkat edilmesi gereken \u00f6nemli noktalar\u0131 ele al\u0131yoruz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 Ameliyat\u0131 Kar\u015f\u0131lar m\u0131?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bu sorunun cevab\u0131 hem evet hem de hay\u0131rd\u0131r. Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 poli\u00e7elerinde cerrahi m\u00fcdahaleler genellikle Yatarak Tedavi Teminat\u0131 kapsam\u0131nda de\u011ferlendirilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yatarak tedavi teminat\u0131 kapsam\u0131nda kar\u015f\u0131lanabilecek giderler aras\u0131nda:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cerrahi operasyonlar<\/li>\n\n\n\n<li>Hastanede yat\u0131\u015f giderleri<\/li>\n\n\n\n<li>Yo\u011fun bak\u0131m hizmetleri<\/li>\n\n\n\n<li>Refakat\u00e7i giderleri (poli\u00e7e \u015fartlar\u0131na ba\u011fl\u0131 olarak)<\/li>\n\n\n\n<li>Operasyonla ili\u015fkili tan\u0131 ve takip i\u015flemleri<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">yer alabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ancak her ameliyat\u0131n otomatik olarak kapsam dahilinde oldu\u011fu d\u00fc\u015f\u00fcn\u00fclmemelidir. Tedavinin kar\u015f\u0131lanabilmesi i\u00e7in;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Poli\u00e7enin y\u00fcr\u00fcrl\u00fckte olmas\u0131,<\/li>\n\n\n\n<li>\u0130lgili i\u015flemin SGK kapsam\u0131nda bulunmas\u0131,<\/li>\n\n\n\n<li>Anla\u015fmal\u0131 sa\u011fl\u0131k kurumunda ger\u00e7ekle\u015ftirilmesi,<\/li>\n\n\n\n<li>Poli\u00e7e istisnalar\u0131na girmemesi,<\/li>\n\n\n\n<li>Gerekli durumlarda provizyon onay\u0131n\u0131n al\u0131nmas\u0131<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">gibi \u015fartlar\u0131n sa\u011flanmas\u0131 gerekebilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Yatarak Tedavi Teminat\u0131 Neleri Kapsayabilir?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2026\/06\/image-4-1024x683.jpeg\" alt=\"\" class=\"wp-image-10976\" style=\"object-fit:cover;width:724px;height:483px\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-4-1024x683.jpeg 1024w, https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-4-300x200.jpeg 300w, https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-4-768x512.jpeg 768w, https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-4-1536x1024.jpeg 1536w, https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-4-1170x780.jpeg 1170w, https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-4-1920x1280.jpeg 1920w, https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-4-585x390.jpeg 585w, https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-4-263x175.jpeg 263w, https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-4.jpeg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Poli\u00e7enin \u00f6zel \u015fartlar\u0131na g\u00f6re de\u011fi\u015fmekle birlikte yatarak tedavi teminat\u0131 a\u015fa\u011f\u0131daki hizmetleri kapsayabilir:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cerrahi M\u00fcdahaleler<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Operasyon s\u0131ras\u0131nda olu\u015fan;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ameliyathane giderleri<\/li>\n\n\n\n<li>Cerrah ve anestezi uzman\u0131 \u00fccretleri<\/li>\n\n\n\n<li>T\u0131bbi sarf malzemeleri<\/li>\n\n\n\n<li>Operasyonla ilgili hastane giderleri<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">teminat kapsam\u0131nda de\u011ferlendirilebilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Oda ve Yemek Hizmetleri<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tedavi s\u00fcresince standart hastane odas\u0131 ve yemek giderleri kar\u015f\u0131lanabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Refakat\u00e7i Giderleri<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">T\u0131bben gerekli g\u00f6r\u00fclen durumlarda refakat\u00e7inin konaklama ve yemek giderleri poli\u00e7e \u015fartlar\u0131 do\u011frultusunda kar\u015f\u0131lanabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Yo\u011fun Bak\u0131m Hizmetleri<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cerrahi m\u00fcdahale sonras\u0131 veya hayati risk ta\u015f\u0131yan durumlarda olu\u015fan yo\u011fun bak\u0131m giderleri teminat kapsam\u0131nda de\u011ferlendirilebilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Operasyonla \u0130li\u015fkili Tetkikler<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ameliyat \u00f6ncesinde veya sonras\u0131nda gerekli g\u00f6r\u00fclen baz\u0131 laboratuvar ve g\u00f6r\u00fcnt\u00fcleme i\u015flemleri poli\u00e7e kapsam\u0131na dahil olabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Hangi Ameliyatlar Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 Kapsam\u0131nda De\u011ferlendirilebilir?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2026\/06\/image-5-1024x683.jpeg\" alt=\"\" class=\"wp-image-10977\" style=\"object-fit:cover;width:724px;height:483px\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-5-1024x683.jpeg 1024w, https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-5-300x200.jpeg 300w, https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-5-768x512.jpeg 768w, https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-5-1536x1025.jpeg 1536w, https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-5-1170x780.jpeg 1170w, https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-5-1920x1281.jpeg 1920w, https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-5-585x390.jpeg 585w, https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-5-263x175.jpeg 263w, https:\/\/www.mapfre.com.tr\/blog\/wp-content\/uploads\/2026\/06\/image-5.jpeg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"has-vivid-red-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\"><strong>Tedavinin t\u0131bbi gereklili\u011fi ve poli\u00e7e \u015fartlar\u0131na ba\u011fl\u0131 olarak bir\u00e7ok cerrahi i\u015flem yatarak tedavi teminat\u0131 kapsam\u0131nda de\u011ferlendirilebilir.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Genel Cerrahi<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Safra kesesi operasyonlar\u0131<\/li>\n\n\n\n<li>Apandisit ameliyatlar\u0131<\/li>\n\n\n\n<li>Kas\u0131k, g\u00f6bek veya mide f\u0131t\u0131\u011f\u0131 operasyonlar\u0131<\/li>\n\n\n\n<li>Hemoroid cerrahisi<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Ortopedi ve Travmatoloji<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Menisk\u00fcs operasyonlar\u0131<\/li>\n\n\n\n<li>\u00d6n \u00e7apraz ba\u011f cerrahileri<\/li>\n\n\n\n<li>K\u0131r\u0131k ve \u00e7\u0131k\u0131k operasyonlar\u0131<\/li>\n\n\n\n<li>Diz veya kal\u00e7a protezi ameliyatlar\u0131<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Kardiyovask\u00fcler Cerrahi<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kalp kapak\u00e7\u0131\u011f\u0131 operasyonlar\u0131<\/li>\n\n\n\n<li>Bypass cerrahisi<\/li>\n\n\n\n<li>Anjiyoplasti uygulamalar\u0131<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u00dcroloji ve Kad\u0131n Hastal\u0131klar\u0131<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>B\u00f6brek ta\u015f\u0131 operasyonlar\u0131<\/li>\n\n\n\n<li>Prostat cerrahileri<\/li>\n\n\n\n<li>Kist ve miyom operasyonlar\u0131<\/li>\n\n\n\n<li>Rahim ile ilgili baz\u0131 cerrahi i\u015flemler<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Kulak Burun Bo\u011faz (KBB)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Geniz eti ameliyatlar\u0131<\/li>\n\n\n\n<li>Bademcik operasyonlar\u0131<\/li>\n\n\n\n<li>T\u0131bbi gereklilik bulunan sin\u00fczit cerrahileri<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6nemli olarak belirtmek gerekir ki, yukar\u0131daki i\u015flemlerin kapsam dahilinde de\u011ferlendirilmesi poli\u00e7e \u00f6zel \u015fartlar\u0131na, sa\u011fl\u0131k ge\u00e7mi\u015fine ve sigorta \u015firketinin provizyon de\u011ferlendirmesine ba\u011fl\u0131 olarak de\u011fi\u015febilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Bekleme S\u00fcresi Nedir?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortalar\u0131nda baz\u0131 teminatlar i\u00e7in bekleme s\u00fcresi uygulanabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bekleme s\u00fcresi; poli\u00e7enin ba\u015flang\u0131\u00e7 tarihinden sonra belirli hastal\u0131k veya tedaviler i\u00e7in sigorta g\u00fcvencesinin aktif hale gelmesi amac\u0131yla uygulanan s\u00fcredir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bekleme s\u00fcreleri;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sigorta \u015firketine,<\/li>\n\n\n\n<li>\u00dcr\u00fcne,<\/li>\n\n\n\n<li>Poli\u00e7e \u00f6zel \u015fartlar\u0131na<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">g\u00f6re farkl\u0131l\u0131k g\u00f6sterebilir.<\/p>\n\n\n\n<p class=\"has-vivid-red-color has-text-color has-link-color wp-elements-2 wp-block-paragraph\"><strong>Bu nedenle herhangi bir ameliyat planlanmadan \u00f6nce g\u00fcncel poli\u00e7e \u015fartlar\u0131n\u0131n incelenmesi \u00f6nemlidir.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buna kar\u015f\u0131l\u0131k, ani geli\u015fen kaza durumlar\u0131 veya acil m\u00fcdahale gerektiren baz\u0131 sa\u011fl\u0131k sorunlar\u0131 i\u00e7in farkl\u0131 de\u011ferlendirmeler uygulanabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Hangi Durumlar Kapsam D\u0131\u015f\u0131nda Kalabilir?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortalar\u0131nda a\u015fa\u011f\u0131daki durumlar s\u0131kl\u0131kla kapsam d\u0131\u015f\u0131nda tutulabilir:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Estetik Ama\u00e7l\u0131 Operasyonlar<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">T\u0131bbi zorunluluk bulunmayan estetik i\u015flemler \u00e7o\u011funlukla teminat kapsam\u0131nda de\u011ferlendirilmez.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Poli\u00e7e \u00d6ncesi Mevcut Rahats\u0131zl\u0131klar<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sigorta ba\u015flang\u0131c\u0131ndan \u00f6nce tan\u0131 alm\u0131\u015f veya tedavisi devam eden hastal\u0131klar kapsam d\u0131\u015f\u0131nda kalabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Do\u011fu\u015ftan Gelen Hastal\u0131klar<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Baz\u0131 do\u011fumsal veya genetik rahats\u0131zl\u0131klar poli\u00e7e \u015fartlar\u0131na g\u00f6re kapsam d\u0131\u015f\u0131nda tutulabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>SGK Kapsam\u0131nda Yer Almayan \u0130\u015flemler<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">SGK taraf\u0131ndan kar\u015f\u0131lanmayan baz\u0131 tedaviler, \u00f6zel malzemeler veya deneysel uygulamalar teminat kapsam\u0131nda de\u011ferlendirilmeyebilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Poli\u00e7e \u00d6ncesi Hastal\u0131klar Ameliyat Kapsam\u0131na Girer mi?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortalar\u0131n\u0131n temel amac\u0131, poli\u00e7e ba\u015flang\u0131c\u0131ndan sonra ortaya \u00e7\u0131kan sa\u011fl\u0131k risklerine kar\u015f\u0131 g\u00fcvence sa\u011flamakt\u0131r. Bu nedenle sigorta yapt\u0131r\u0131lmadan \u00f6nce mevcut oldu\u011fu bilinen veya te\u015fhis edilmi\u015f baz\u0131 hastal\u0131klar nedeniyle ger\u00e7ekle\u015ftirilecek ameliyatlar kapsam d\u0131\u015f\u0131nda de\u011ferlendirilebilir. Her ba\u015fvuru ve sa\u011fl\u0131k durumu sigorta \u015firketi taraf\u0131ndan ayr\u0131 olarak incelenebilece\u011finden, kesin de\u011ferlendirme poli\u00e7e \u015fartlar\u0131 ve provizyon s\u00fcreci sonucunda yap\u0131l\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Mapfre Sigorta ile Ameliyat S\u00fcre\u00e7lerinde G\u00fcvendesiniz<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mapfre Sigorta olarak, fark \u00f6demeden tedavi olma konforunu sizlere en \u00fcst seviyede sunuyoruz. <a href=\"https:\/\/www.mapfre.com.tr\/sigorta-tr\/bireysel\/fark-yok-tamamlayici-saglik-sigortasi\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131<\/strong><\/a> poli\u00e7emiz ile T\u00fcrkiye genelindeki geni\u015f anla\u015fmal\u0131 hastane a\u011f\u0131m\u0131zdan yararlanabilir, uzman doktor kadrolar\u0131na ek \u00fccret \u00f6deme kayg\u0131s\u0131 ta\u015f\u0131madan ula\u015fabilirsiniz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Mapfre\u2019nin sundu\u011fu avantajlar:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Geni\u015f anla\u015fmal\u0131 sa\u011fl\u0131k kurulu\u015fu a\u011f\u0131ndan yararlanabilir,<\/li>\n\n\n\n<li>SGK ile anla\u015fmal\u0131 \u00f6zel hastanelerde hizmet alabilir,<\/li>\n\n\n\n<li>Poli\u00e7e kapsam\u0131ndaki sa\u011fl\u0131k giderleri i\u00e7in ek g\u00fcvenceye sahip olabilir,<\/li>\n\n\n\n<li>Dijital kanallar \u00fczerinden i\u015flemlerini takip edebilir.<\/li>\n\n\n\n<li>Teminat kapsam\u0131, limitler, istisnalar ve bekleme s\u00fcreleri poli\u00e7e \u00f6zel \u015fartlar\u0131na g\u00f6re de\u011fi\u015fiklik g\u00f6sterebilir.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>S\u0131k\u00e7a Sorulan Sorular (SSS)<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 burun ameliyat\u0131n\u0131 kar\u015f\u0131lar m\u0131?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">E\u011fer burun ameliyat\u0131 nefes alma g\u00fc\u00e7l\u00fc\u011f\u00fc gibi t\u0131bbi bir gerek\u00e7eyle (deviasyon vb.) yap\u0131l\u0131yorsa ve SGK bu i\u015flemi kar\u015f\u0131l\u0131yorsa poli\u00e7e kapsam\u0131nda de\u011ferlendirilebilir. Ancak estetik ama\u00e7l\u0131 (rinoplasti) operasyonlar kapsam d\u0131\u015f\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Do\u011fum ameliyat\u0131 (Sezaryen) kapsam dahilinde midir?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Do\u011fum teminat\u0131 bulunan poli\u00e7elerde ve ilgili \u015fartlar\u0131n sa\u011flanmas\u0131 halinde sezaryen veya normal do\u011fum giderleri teminat kapsam\u0131nda de\u011ferlendirilebilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Ameliyat i\u00e7in hastaneye ne kadar fark \u00f6derim?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6denecek tutar, se\u00e7ilen sa\u011fl\u0131k kurulu\u015funa, tedavinin kapsam\u0131na, SGK uygulamalar\u0131na ve poli\u00e7e \u015fartlar\u0131na g\u00f6re de\u011fi\u015febilir. G\u00fcncel bilgi i\u00e7in sigorta \u015firketinden veya sa\u011fl\u0131k kurulu\u015fundan teyit al\u0131nmal\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Bekleme s\u00fcresi dolmadan ameliyat olabilir miyim?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">T\u0131bben gerekli g\u00f6r\u00fclen bir ameliyat ger\u00e7ekle\u015ftirilebilir. Ancak ilgili i\u015flemin poli\u00e7edeki bekleme s\u00fcresine tabi olmas\u0131 durumunda giderlerin tamam\u0131 veya bir k\u0131sm\u0131 sigorta taraf\u0131ndan kar\u015f\u0131lanmayabilir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 ile hangi ameliyatlar kar\u015f\u0131lan\u0131r? Yatarak tedavi teminat\u0131, bekleme s\u00fcresi ve kapsam d\u0131\u015f\u0131 durumlar hakk\u0131nda detayl\u0131 rehberimizi okuyun.<\/p>\n","protected":false},"author":33,"featured_media":10979,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,887],"tags":[1994],"class_list":["post-10969","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yasam-alani","category-yasa","tag-yasa"],"_links":{"self":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/10969","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\/33"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=10969"}],"version-history":[{"count":8,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/10969\/revisions"}],"predecessor-version":[{"id":10983,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/10969\/revisions\/10983"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/10979"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=10969"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=10969"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=10969"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}