{"id":5069,"date":"2019-09-13T06:57:46","date_gmt":"2019-09-13T06:57:46","guid":{"rendered":"https:\/\/www.mapfre.com.tr\/blog\/?p=5069"},"modified":"2024-09-18T12:51:34","modified_gmt":"2024-09-18T12:51:34","slug":"dask-nedir-nasil-hesaplanir-ve-avantajlari-nelerdir","status":"publish","type":"post","link":"https:\/\/www.mapfre.com.tr\/blog\/yasa\/dask-nedir-nasil-hesaplanir-ve-avantajlari-nelerdir\/","title":{"rendered":"DASK Nedir? Nas\u0131l Hesaplan\u0131r ve Avantajlar\u0131 Nelerdir?"},"content":{"rendered":"\n

Hepimiz depremin ya\u015fad\u0131\u011f\u0131m\u0131z co\u011frafyan\u0131n ger\u00e7eklerinden biri oldu\u011funu biliyoruz. Fakat ne yaz\u0131k ki pek \u00e7ok insan, bu ger\u00e7e\u011fe kar\u015f\u0131 gerekli \u00f6nlemleri almay\u0131 erteliyor. Oysaki olas\u0131 bir depreme kar\u015f\u0131 her zaman haz\u0131rl\u0131kl\u0131 olmal\u0131 ve olu\u015fabilecek maddi-manevi hasarlar\u0131 en aza indirmeyi ama\u00e7lamal\u0131y\u0131z. Pek \u00e7ok g\u00fczel an\u0131n\u0131z\u0131n ya\u015fand\u0131\u011f\u0131 ve kendinizi en huzurlu hissetti\u011finiz noktalardan biri olan evinizi g\u00fcvence alt\u0131na almak i\u00e7in ise Zorunlu Deprem Sigortas\u0131<\/a> olmazsa olmaz! <\/p>\n\n\n\n\n\n\n\n

Zorunlu Deprem Sigortas\u0131 Nedir?\u00a0<\/strong><\/strong>

17 A\u011fustos 1999 depreminin ard\u0131ndan kurulan Do\u011fal Afet Sigortalar\u0131 Kurumu (DASK) taraf\u0131ndan sunulan Zorunlu Deprem Sigortas\u0131, deprem s\u0131ras\u0131nda ya da deprem sonras\u0131nda binada olu\u015fabilecek hasarlar\u0131 kar\u015f\u0131lamay\u0131 ama\u00e7lar. Yani \u201cDASK neden \u00f6nemli?\u201d sorusunun cevab\u0131, deprem nedeniyle olu\u015fabilecek maddi zarar\u0131n\u0131z\u0131n kar\u015f\u0131lanmas\u0131d\u0131r.Halk aras\u0131nda DASK olarak da bilinen bu sigorta t\u00fcr\u00fcn\u00fc yapt\u0131rmak zorunludur. Deprem sigortas\u0131 olmad\u0131\u011f\u0131 takdirde su, elektrik gibi abonelikleri a\u00e7amaz ya da evinizle ilgili yasal bir i\u015flem yapamazs\u0131n\u0131z.\u00a0<\/p> <\/div> <\/div>\n\n\n\n

\"Neden<\/figure>\n\n\n\n

Zorunlu Deprem Sigortas\u0131\u2019n\u0131n Avantajlar\u0131 Nelerdir?<\/strong><\/h2>\n\n\n\n

Y\u0131ll\u0131k olarak yap\u0131lan yani her y\u0131l yenilenmesi gereken Zorunlu Deprem Sigortas\u0131, deprem nedeniyle konutlarda olu\u015fabilecek hasarlar\u0131, azami teminat tutar\u0131n\u0131 ge\u00e7meyecek \u015fekilde kar\u015f\u0131lar. 2021 y\u0131l\u0131 i\u00e7in belirlenen azami teminat tutar\u0131 268.000 TL\u2019 dir. Yani evinizde olu\u015facak hasarlar, 268.000 TL\u2019ye kadar bu sigorta taraf\u0131ndan kar\u015f\u0131lan\u0131r. \u00dcstelik bu noktada sadece binada direkt deprem nedeniyle olu\u015fan hasarlar\u0131n de\u011fil, ayn\u0131 zamanda depremin sonucunda meydana gelen tsunami, yang\u0131n gibi durumlar\u0131n da DASK\u2019\u0131n teminatlar\u0131 kapsam\u0131na girdi\u011fini belirtmekte fayda var.<\/p>\n\n\n\n

Deprem sigortas\u0131, afet d\u0131\u015f\u0131 nedenlerden dolay\u0131 olu\u015fan zararlar\u0131 ve konut i\u00e7erisindeki e\u015fyada meydana gelebilecek kay\u0131plar\u0131 kar\u015f\u0131lamaz. Bu teminatlar\u0131 konut sigortalar\u0131 sunar. E\u011fer deprem d\u0131\u015f\u0131nda h\u0131rs\u0131zl\u0131k, sel ya da \u00fc\u00e7\u00fcnc\u00fc \u015fah\u0131slar nedeniyle olu\u015fabilecek risklere kar\u015f\u0131 evinizi ve e\u015fyan\u0131z\u0131 koruma alt\u0131na almak istiyorsan\u0131z konut sigortas\u0131 yapt\u0131rmal\u0131s\u0131n\u0131z. MAPFRE Sigorta\u2019n\u0131n konut sigortas\u0131 \u00fcr\u00fcn\u00fc olan Konutlar \u0130\u00e7in \u00c7a\u011fda\u015f G\u00fcvence Sigortas\u0131<\/a>\u2019n\u0131 inceleyerek t\u00fcm teminatlara g\u00f6z atabilirsiniz.<\/p>\n\n\n\n

Zorunlu Deprem Sigortas\u0131 Fiyatlar\u0131 Ne Kadar? DASK Hesaplama Nas\u0131l Yap\u0131l\u0131r?<\/strong><\/h2>\n\n\n\n

Deprem nedeniyle evinizde olu\u015fan maddi kay\u0131plar\u0131, azami teminat tutar\u0131n\u0131 ge\u00e7meyecek \u015fekilde kar\u015f\u0131layan Zorunlu Deprem Sigortas\u0131\u2019n\u0131n fiyatlar\u0131 farkl\u0131 kriterler incelenerek olu\u015fturulur. DASK fiyat\u0131 yani DASK sigorta prim bedeli; yap\u0131 tarz\u0131, bina ya\u015f\u0131, dairenizin y\u00fcz \u00f6l\u00e7\u00fcm\u00fc, bulundu\u011fu b\u00f6lgenin deprem riski do\u011frultusunda belirlenir.<\/p>\n\n\n\n

Zorunlu Deprem Sigortas\u0131, her y\u0131l yap\u0131 maliyetlerine ba\u011fl\u0131 olarak belirli bir teminat tutar\u0131 sunar. Yap\u0131 maliyetindeki art\u0131\u015f do\u011frultusunda y\u00fckselen teminat tutar\u0131, bina tekrar in\u015fa edildi\u011finde olu\u015facak toplam gideri baz al\u0131r. Yap\u0131n\u0131n de\u011ferinin, Zorunlu Deprem Sigortas\u0131\u2019n\u0131n azami teminat tutar\u0131n\u0131 a\u015ft\u0131\u011f\u0131 durumlarda sigortal\u0131 dilerse farkl\u0131 sigorta \u015firketlerinden iste\u011fe ba\u011fl\u0131 deprem sigortas\u0131 da yapt\u0131rabilir. DASK fiyatlar\u0131 d\u0131\u015f\u0131nda kalan bu durumda sigortal\u0131n\u0131n iste\u011fe ba\u011fl\u0131 deprem sigortas\u0131 fiyatlar\u0131n\u0131 dikkate almas\u0131 gerekir. <\/p>\n\n\n\n

\"Dask<\/figure>\n\n\n\n

DASK Sigortas\u0131 yaln\u0131zca binalar i\u00e7in ge\u00e7erlidir, arsalar i\u00e7in ge\u00e7erli de\u011fildir. Bu nedenle sigorta bedeli sadece konut i\u00e7indir; arsa i\u00e7in de\u011fildir.<\/p>\n\n\n\n

Zorunlu Deprem Sigortas\u0131 yapt\u0131rabilmek i\u00e7in sigortal\u0131n\u0131n ismi, telefon numaras\u0131, adresi, T.C. kimlik numaras\u0131, sigorta kapsam\u0131na al\u0131nacak binan\u0131n a\u00e7\u0131k adresi, tapu detaylar\u0131, in\u015fa tarihi, yap\u0131 t\u00fcr\u00fc, toplam kat say\u0131s\u0131, mevcut hasar durumu, yap\u0131n\u0131n br\u00fct y\u00fcz \u00f6l\u00e7\u00fcm\u00fc ve kullan\u0131m \u015fekli bilgilerinin yer ald\u0131\u011f\u0131 belgeleri temin etmelisiniz.<\/p>\n\n\n\n

MAPFRE Sigorta ile Evinizi G\u00fcvence Alt\u0131na Al\u0131n<\/strong><\/h2>\n\n\n\n

Zorunlu Deprem Sigortas\u0131 hesaplama i\u015flemini yap\u0131p \u00f6deyece\u011finiz primi \u00f6\u011frenmek i\u00e7in DASK teklif sayfam\u0131z\u0131<\/a> ziyaret edebilir ve size en yak\u0131n MAPFRE Sigorta acentesinde<\/a> i\u015flem yapt\u0131rabilirsiniz.
<\/p>\n","protected":false},"excerpt":{"rendered":"

Hepimiz depremin ya\u015fad\u0131\u011f\u0131m\u0131z co\u011frafyan\u0131n ger\u00e7eklerinden biri oldu\u011funu biliyoruz. Fakat ne yaz\u0131k ki pek \u00e7ok insan, bu ger\u00e7e\u011fe kar\u015f\u0131 gerekli \u00f6nlemleri…<\/p>\n","protected":false},"author":3,"featured_media":5070,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[887,1970],"tags":[893,899],"class_list":["post-5069","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yasa","category-yasam-alani-yasa","tag-ev-dekorasyon","tag-ipucu"],"_links":{"self":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/5069","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=5069"}],"version-history":[{"count":6,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/5069\/revisions"}],"predecessor-version":[{"id":7040,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/5069\/revisions\/7040"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/5070"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=5069"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=5069"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=5069"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}