{"id":3344,"date":"2020-05-27T03:48:00","date_gmt":"2020-05-27T03:48:00","guid":{"rendered":"https:\/\/www.mapfre.com.tr\/blog\/?p=3344"},"modified":"2024-12-20T10:45:28","modified_gmt":"2024-12-20T10:45:28","slug":"hayat-sigortasina-giris-nedir-ne-ise-yarar","status":"publish","type":"post","link":"https:\/\/www.mapfre.com.tr\/blog\/yasa\/iyi-yasam\/hayat-sigortasina-giris-nedir-ne-ise-yarar\/","title":{"rendered":"Hayat Sigortas\u0131\u2019na Giri\u015f: Nedir, Ne \u0130\u015fe Yarar?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Aileniz her \u015feyin en iyisine lay\u0131k. Sizin de b\u00f6yle d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fcz\u00fc ve bu do\u011frultuda elinizden gelenin en iyisini yapt\u0131\u011f\u0131n\u0131z\u0131 biliyoruz. Peki, hayat\u0131n k\u00f6t\u00fc s\u00fcrprizlerine kar\u015f\u0131 ne kadar haz\u0131rl\u0131kl\u0131s\u0131n\u0131z? Hayat sigortalar\u0131 sayesinde hayatta kar\u015f\u0131n\u0131za \u00e7\u0131kabilecek umulmad\u0131k durumlara kar\u015f\u0131 \u00f6nlem alman\u0131z m\u00fcmk\u00fcn! O halde \u015fimdi, hayat sigortalar\u0131n\u0131 daha yak\u0131ndan tan\u0131man\u0131z\u0131 sa\u011flayal\u0131m ve bilmeniz gerekenleri aktaral\u0131m.<\/span><!--more--><\/p>\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1602936190347\"><strong class=\"schema-faq-question\"><strong>Hayat Sigortas\u0131 Ne Demek?<\/strong><\/strong> <p class=\"schema-faq-answer\"><br\/>Belki ad\u0131n\u0131 daha \u00f6nce duymu\u015f olsan\u0131z da hakk\u0131nda bilgi sahibi olmayabilirsiniz. O nedenle \u00f6ncelikle \u201cHayat Sigortas\u0131 nedir?\u201d sorusunun cevab\u0131n\u0131 verelim. Hayat sigortas\u0131; hayat\u0131n\u0131z\u0131 kaybetmeniz durumunda ailenize bir tazminat \u00f6denmesini sa\u011flayan sigorta t\u00fcr\u00fcd\u00fcr. Hayat sigortalar\u0131na, vefat teminat\u0131n\u0131n yan\u0131 s\u0131ra; opsiyonel olarak sunulan, kaza sonucu tedavi masraflar\u0131, ya\u015fam deste\u011fi gibi teminatlar da d\u00e2hil edilebilir.\u00a0<br\/>K\u0131sacas\u0131 hayat sigortas\u0131n\u0131n, vefat\u0131n\u0131z durumunda ailenizi g\u00fcvence alt\u0131na alan ve poli\u00e7enizde belirtilen ek teminatlar d\u00e2hilinde size maddi olarak destek sunabilen bir sigorta t\u00fcr\u00fc oldu\u011funu s\u00f6yleyebiliriz. Ayr\u0131ca baz\u0131 hayat sigortas\u0131 \u00fcr\u00fcnlerinde, ba\u015f\u0131n\u0131za k\u00f6t\u00fc bir durum gelmedi\u011fi durumda ve sigorta ge\u00e7erlilik s\u00fcresi bittikten sonra, \u00f6dedi\u011finiz primleri geri alabildi\u011finizi de belirtelim. \u00d6rne\u011fin prim iadeli hayat sigortalar\u0131 da bu se\u00e7eneklerden biri. Ayr\u0131ca dilerseniz <a rel=\"noreferrer noopener\" href=\"https:\/\/www.mapfre.com.tr\/blog\/yasa\/hayat-sigortasi-teminatlari-nelerdir\/\" target=\"_blank\">hayat sigortas\u0131 \u00fcr\u00fcnlerinin sundu\u011fu di\u011fer teminatlar\u0131<\/a> yaz\u0131m\u0131zdan inceleyebilirsiniz.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Hayat Sigortas\u0131 Ne \u0130\u015fe Yarar?<\/strong><\/h2>\n\n\n\n<p>Hayat sigorta \u00e7e\u015fitleri, siz vefat ettikten sonra ailenizin ya da poli\u00e7e haz\u0131rlan\u0131rken belirtti\u011finiz ki\u015filerin, manevi olarak zor bir d\u00f6nem ge\u00e7irirken maddi olarak da zora girmesinin \u00f6n\u00fcne ge\u00e7meyi hedefler. \u00c7ocuklar\u0131n\u0131z\u0131n e\u011fitim masraflar\u0131 ve evinizin kira, g\u0131da gibi \u00f6nemli giderleri, hayat sigortas\u0131 tazminatlar\u0131 sayesinde \u00f6denebilir ya da siz hayattayken var olan bor\u00e7lar\u0131n\u0131z\u0131n, hayata g\u00f6zlerinizi yumduktan sonra ailenize y\u00fck olmas\u0131n\u0131 engellersiniz. Di\u011fer bir deyi\u015fle: Hayat sigortas\u0131 olan ki\u015filerin \u201cg\u00f6z\u00fc arkada kalmaz\u201d.<\/p>\n\n\n\n<p>Hayat Sigortas\u0131 fiyatlar\u0131; ya\u015f, ek teminatlar ve daha bir\u00e7ok de\u011fi\u015fkene ba\u011fl\u0131 olarak farkl\u0131l\u0131k g\u00f6sterebilir. Ayn\u0131 \u015fekilde hayat sigortas\u0131 ge\u00e7erlilik s\u00fcrelerinin ve sigortadan yararlanabilecek ya\u015f aral\u0131\u011f\u0131n\u0131n da \u00fcr\u00fcnlere g\u00f6re de\u011fi\u015fiklik g\u00f6sterdi\u011fini belirtmekte fayda var. Bu nedenle yararlanmak istedi\u011finiz hayat sigortas\u0131 \u00fcr\u00fcn\u00fcn\u00fc belirledikten ve ek teminatlara karar verdikten sonra \u00f6demeniz gereken sigorta bedelini hesaplamak daha sa\u011fl\u0131kl\u0131 olacakt\u0131r.<\/p>\n\n\n\n<p>Hayat sigortas\u0131 \u00fcr\u00fcnleri sigorta \u015firketlerine g\u00f6re farkl\u0131l\u0131k g\u00f6sterse de hayat sigortas\u0131 \u00e7e\u015fitlerini 2 ba\u015fl\u0131k alt\u0131nda inceleyebiliriz:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ge\u00e7ici hayat sigortalar\u0131, otomatik olarak yenilebilir ve sigortal\u0131n\u0131n hayat\u0131n\u0131 kaybetmesi durumunda, belirtti\u011fi ki\u015filere poli\u00e7ede yer alan teminatlar\u0131n verilmesini sa\u011flar.<\/li>\n\n\n\n<li>Karma hayat sigortalar\u0131, uzun d\u00f6nemlidir. Sigortal\u0131n\u0131n hayat\u0131n\u0131 kaybetmesi durumda poli\u00e7ede belirtti\u011fi ki\u015filere tazminat \u00f6denir. Sigortal\u0131n\u0131n teminat s\u00fcresince hayatta kalmas\u0131 durumunda ise \u00f6denen primler poli\u00e7ede belirtilece\u011fi \u00fczere geri al\u0131nabilir. Di\u011fer bir deyi\u015fle karma hayat sigortalar\u0131, hem sevdiklerinizin hayat\u0131n\u0131 g\u00fcvence alt\u0131na al\u0131r hem de birikim yap\u0131lmas\u0131na imk\u00e2n tan\u0131r.<\/li>\n<\/ul>\n\n\n\n<p>Sevdiklerinizle sa\u011fl\u0131kl\u0131 ve mutlu bir hayat dileriz!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hayat sigortas\u0131 ile hem kendinizi hem de ailenizi k\u00f6t\u00fc s\u00fcrprizlere kar\u015f\u0131 koruyabilirsiniz! Hayat sigortas\u0131 hakk\u0131nda bilmeniz gerekenleri sizin i\u00e7in derledik.<\/p>\n","protected":false},"author":3,"featured_media":3845,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,887],"tags":[899],"class_list":["post-3344","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-iyi-yasam","category-yasa","tag-ipucu"],"_links":{"self":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/3344","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=3344"}],"version-history":[{"count":9,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/3344\/revisions"}],"predecessor-version":[{"id":10119,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/3344\/revisions\/10119"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/3845"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=3344"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=3344"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=3344"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}