\u0130ste\u011fe ba\u011fl\u0131 sigorta, herhangi bir i\u015fte \u00e7al\u0131\u015fmayan ki\u015filere emeklilik hakk\u0131 sa\u011flayan sigorta sistemidir. Bu uygulamada ki\u015filer, iste\u011fe ba\u011fl\u0131 sigorta kapsam\u0131nda prim bedelini kendileri \u00f6deyerek sigorta sistemine kat\u0131labilir. B\u00f6ylece iste\u011fe ba\u011fl\u0131 sigorta ile herhangi bir i\u015fverene ba\u011fl\u0131 olmadan ki\u015filer, kendi istekleriyle sigorta primlerini \u00f6deyerek emeklilik ve sa\u011fl\u0131k hizmetleri gibi sigorta yard\u0131mlar\u0131ndan yararlanabilir. <\/p>\n\n\n\n
\u0130ste\u011fe Ba\u011fl\u0131 Sigorta \u015eartlar\u0131 Nelerdir?\u00a0<\/strong><\/h2>\n\n\n\n![\"\u0130ste\u011fe](\"https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/12\/istege-bagli-sigortaya-kimler-basvurabilir.jpg\")
<\/figure>\n\n\n\n\u0130ste\u011fe ba\u011fl\u0131 sigorta sisteminden yararlanmak i\u00e7in tabii ki belirli \u015fartlar\u0131 yerine getirmek gerekli. Bu \u015fartlar Sosyal Sigortalar ve Genel Sa\u011fl\u0131k Sigorta Kanunu<\/a>\u2019nun 50. maddesinde belirtilir. Kanun kapsam\u0131nda iste\u011fe ba\u011fl\u0131 sigorta i\u00e7in gerekli \u015fartlar\u0131 \u015fu \u015fekilde s\u0131ralayabiliriz: <\/p>\n\n\n\n\n- 5510 say\u0131l\u0131 Sosyal Sigortalar ve Genel Sa\u011fl\u0131k Sigortas\u0131 Kanunu\u2019na tabi zorunlu sigortal\u0131 olmay\u0131 gerektirecek \u015fekilde \u00e7al\u0131\u015fmamak <\/li>\n\n\n\n
- Sigortal\u0131 olarak \u00e7al\u0131\u015f\u0131lsa bile ay i\u00e7erisinde 30 g\u00fcnden az \u00e7al\u0131\u015fmak ya da tam g\u00fcn \u00e7al\u0131\u015fmamak<\/li>\n\n\n\n
- Sigortal\u0131l\u0131k nedeniyle ayl\u0131k ba\u011flanmam\u0131\u015f olmak <\/li>\n\n\n\n
- 18 ya\u015f\u0131n\u0131 doldurmak <\/li>\n\n\n\n
- \u0130ste\u011fe ba\u011fl\u0131 sigorta dilek\u00e7esiyle Sosyal G\u00fcvenlik Kurumu\u2019na ba\u015fvuruda bulunmak <\/li>\n<\/ul>\n\n\n\n
Bu \u015fartlara ek olarak ba\u015fvuran ki\u015finin T\u00fcrkiye\u2019de ikamet etmesi gerekir. Ancak T\u00fcrkiye ile uluslararas\u0131 sosyal g\u00fcvenlik s\u00f6zle\u015fmesi imzalanmam\u0131\u015f \u00fclkelere \u00e7al\u0131\u015fmak i\u00e7in giden T\u00fcrk vatanda\u015flar\u0131 da iste\u011fe ba\u011fl\u0131 sigortal\u0131 olabilir. Bu ki\u015filer i\u00e7in T\u00fcrkiye\u2019de ikamet \u015fart\u0131 aranmaz. <\/p>\n\n\n\n
Ayr\u0131ca kanun kapsam\u0131nda sadece T\u00fcrkiye\u2019de ikamet etme durumu belirtildi\u011fi i\u00e7in T\u00fcrkiye\u2019de \u00e7al\u0131\u015fan yabanc\u0131 uyruklu \u00e7al\u0131\u015fanlar da iste\u011fe ba\u011fl\u0131 sigortadan yararlanabilir. <\/p>\n\n\n\n
\u0130ste\u011fe Ba\u011fl\u0131 Sigorta Nas\u0131l Yap\u0131l\u0131r?\u00a0<\/strong><\/h2>\n\n\n\nYukar\u0131da belirtilen t\u00fcm \u015fartlar\u0131 yerine getiren ki\u015filer, iste\u011fe ba\u011fl\u0131 sigorta ba\u015fvurusu yapabilir. \u201cPeki, ba\u015fvuru i\u00e7in neler gerekli?\u201d diyorsan\u0131z hemen ba\u015fvuru detaylar\u0131n\u0131 inceleyelim. <\/p>\n\n\n\n
\u0130ste\u011fe ba\u011fl\u0131 sigorta ba\u015fvurusu i\u00e7in iki se\u00e7enek bulunur. \u0130lk se\u00e7enek olarak Sosyal G\u00fcvenlik \u0130\u015flemleri Y\u00f6netmeli\u011fi<\/a> ekinde yer alan \u201c\u0130ste\u011fe Ba\u011fl\u0131 Sigorta Giri\u015f Bildirgesini\u201d doldurup ya\u015fad\u0131\u011f\u0131n\u0131z yerdeki Sosyal G\u00fcvenlik M\u00fcd\u00fcrl\u00fc\u011f\u00fc\u2019ne belgeyi teslim edebilirsiniz. <\/p>\n\n\n\nE-Devlet\u2019ten \u0130ste\u011fe Ba\u011fl\u0131 Sigorta Ba\u015fvurusu Nas\u0131l Yap\u0131l\u0131r?<\/strong><\/h3>\n\n\n\nAncak daha pratik bir y\u00f6ntemle ba\u015fvuru yapmak istiyorsan\u0131z ikinci se\u00e7enek olan e-devlet \u00fczerinden de iste\u011fe ba\u011fl\u0131 sigorta ba\u015fvurusu yapman\u0131z m\u00fcmk\u00fcn. E-devlet sistemine giri\u015f yapt\u0131ktan sonra Sosyal G\u00fcvenlik Kurumu sayfas\u0131nda<\/a> yer alan \u201c\u0130ste\u011fe Ba\u011fl\u0131 Sigortal\u0131l\u0131k\u201d alan\u0131ndan sigorta t\u00fcr\u00fcne g\u00f6re se\u00e7iminizi yap\u0131p kolayl\u0131kla iste\u011fe ba\u011fl\u0131 sigorta ba\u015fvurunuzu olu\u015fturabilirsiniz. <\/p>\n\n\n\n\u0130ste\u011fe Ba\u011fl\u0131 Sigorta Primi Nas\u0131l Hesaplan\u0131r?<\/strong><\/h2>\n\n\n\n![\"\u0130ste\u011fe](\"https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/12\/istege-bagli-sigorta-primi.jpg\")
<\/figure>\n\n\n\n\u0130ste\u011fe ba\u011fl\u0131 sigorta kapsam\u0131nda \u00f6denecek tutar, prime esas g\u00fcnl\u00fck kazan\u00e7 alt s\u0131n\u0131r\u0131 ile \u00fcst s\u0131n\u0131r\u0131 aras\u0131nda olmas\u0131 \u015fart\u0131yla sigortal\u0131 taraf\u0131ndan belirlenir. Belirlenen tutar \u00fczerinden de %32 oran\u0131nda iste\u011fe ba\u011fl\u0131 sigorta primi \u00f6denir. <\/p>\n\n\n\n
%32 oran\u0131ndaki iste\u011fe ba\u011fl\u0131 sigorta prim oran\u0131n\u0131n %20\u2019si ya\u015fl\u0131l\u0131k ve malull\u00fck gibi durumlar\u0131 kapsayan uzun vadeli sigorta kollar\u0131 i\u00e7in kesilirken %12\u2019si ise genel sa\u011fl\u0131k sigortas\u0131n\u0131 kapsar. <\/p>\n\n\n\n
G\u00fcnl\u00fck kazan\u00e7 alt s\u0131n\u0131r\u0131 ve \u00fcst s\u0131n\u0131r\u0131 ise Sosyal Sigortalar ve Genel Sa\u011fl\u0131k Sigortas\u0131 Kanunu\u2019nun 82. maddesi esas al\u0131narak belirlenir. Buna g\u00f6re g\u00fcnl\u00fck kazan\u00e7 alt s\u0131n\u0131r\u0131, g\u00fcncel asgari \u00fccretin 30\u2019da 1\u2019i olarak al\u0131n\u0131rken \u00fcst s\u0131n\u0131r, g\u00fcnl\u00fck kazan\u00e7 alt s\u0131n\u0131r\u0131n 7,5 kat\u0131d\u0131r. <\/p>\n\n\n\n
G\u00fcnl\u00fck kazan\u00e7 alt s\u0131n\u0131r ve \u00fcst s\u0131n\u0131r hesaplama detaylar\u0131na g\u00f6re 2023 g\u00fcncel asgari \u00fccrete g\u00f6re ayl\u0131k alt ve \u00fcst kazan\u00e7 \u015fu \u015fekildedir: <\/p>\n\n\n\n
<\/figure>\n\n\n\n\u0130ste\u011fe ba\u011fl\u0131 sigorta sisteminden yararlanmak i\u00e7in tabii ki belirli \u015fartlar\u0131 yerine getirmek gerekli. Bu \u015fartlar Sosyal Sigortalar ve Genel Sa\u011fl\u0131k Sigorta Kanunu<\/a>\u2019nun 50. maddesinde belirtilir. Kanun kapsam\u0131nda iste\u011fe ba\u011fl\u0131 sigorta i\u00e7in gerekli \u015fartlar\u0131 \u015fu \u015fekilde s\u0131ralayabiliriz: <\/p>\n\n\n\n Bu \u015fartlara ek olarak ba\u015fvuran ki\u015finin T\u00fcrkiye\u2019de ikamet etmesi gerekir. Ancak T\u00fcrkiye ile uluslararas\u0131 sosyal g\u00fcvenlik s\u00f6zle\u015fmesi imzalanmam\u0131\u015f \u00fclkelere \u00e7al\u0131\u015fmak i\u00e7in giden T\u00fcrk vatanda\u015flar\u0131 da iste\u011fe ba\u011fl\u0131 sigortal\u0131 olabilir. Bu ki\u015filer i\u00e7in T\u00fcrkiye\u2019de ikamet \u015fart\u0131 aranmaz. <\/p>\n\n\n\n Ayr\u0131ca kanun kapsam\u0131nda sadece T\u00fcrkiye\u2019de ikamet etme durumu belirtildi\u011fi i\u00e7in T\u00fcrkiye\u2019de \u00e7al\u0131\u015fan yabanc\u0131 uyruklu \u00e7al\u0131\u015fanlar da iste\u011fe ba\u011fl\u0131 sigortadan yararlanabilir. <\/p>\n\n\n\n Yukar\u0131da belirtilen t\u00fcm \u015fartlar\u0131 yerine getiren ki\u015filer, iste\u011fe ba\u011fl\u0131 sigorta ba\u015fvurusu yapabilir. \u201cPeki, ba\u015fvuru i\u00e7in neler gerekli?\u201d diyorsan\u0131z hemen ba\u015fvuru detaylar\u0131n\u0131 inceleyelim. <\/p>\n\n\n\n \u0130ste\u011fe ba\u011fl\u0131 sigorta ba\u015fvurusu i\u00e7in iki se\u00e7enek bulunur. \u0130lk se\u00e7enek olarak Sosyal G\u00fcvenlik \u0130\u015flemleri Y\u00f6netmeli\u011fi<\/a> ekinde yer alan \u201c\u0130ste\u011fe Ba\u011fl\u0131 Sigorta Giri\u015f Bildirgesini\u201d doldurup ya\u015fad\u0131\u011f\u0131n\u0131z yerdeki Sosyal G\u00fcvenlik M\u00fcd\u00fcrl\u00fc\u011f\u00fc\u2019ne belgeyi teslim edebilirsiniz. <\/p>\n\n\n\n Ancak daha pratik bir y\u00f6ntemle ba\u015fvuru yapmak istiyorsan\u0131z ikinci se\u00e7enek olan e-devlet \u00fczerinden de iste\u011fe ba\u011fl\u0131 sigorta ba\u015fvurusu yapman\u0131z m\u00fcmk\u00fcn. E-devlet sistemine giri\u015f yapt\u0131ktan sonra Sosyal G\u00fcvenlik Kurumu sayfas\u0131nda<\/a> yer alan \u201c\u0130ste\u011fe Ba\u011fl\u0131 Sigortal\u0131l\u0131k\u201d alan\u0131ndan sigorta t\u00fcr\u00fcne g\u00f6re se\u00e7iminizi yap\u0131p kolayl\u0131kla iste\u011fe ba\u011fl\u0131 sigorta ba\u015fvurunuzu olu\u015fturabilirsiniz. <\/p>\n\n\n\n \u0130ste\u011fe ba\u011fl\u0131 sigorta kapsam\u0131nda \u00f6denecek tutar, prime esas g\u00fcnl\u00fck kazan\u00e7 alt s\u0131n\u0131r\u0131 ile \u00fcst s\u0131n\u0131r\u0131 aras\u0131nda olmas\u0131 \u015fart\u0131yla sigortal\u0131 taraf\u0131ndan belirlenir. Belirlenen tutar \u00fczerinden de %32 oran\u0131nda iste\u011fe ba\u011fl\u0131 sigorta primi \u00f6denir. <\/p>\n\n\n\n %32 oran\u0131ndaki iste\u011fe ba\u011fl\u0131 sigorta prim oran\u0131n\u0131n %20\u2019si ya\u015fl\u0131l\u0131k ve malull\u00fck gibi durumlar\u0131 kapsayan uzun vadeli sigorta kollar\u0131 i\u00e7in kesilirken %12\u2019si ise genel sa\u011fl\u0131k sigortas\u0131n\u0131 kapsar. <\/p>\n\n\n\n G\u00fcnl\u00fck kazan\u00e7 alt s\u0131n\u0131r\u0131 ve \u00fcst s\u0131n\u0131r\u0131 ise Sosyal Sigortalar ve Genel Sa\u011fl\u0131k Sigortas\u0131 Kanunu\u2019nun 82. maddesi esas al\u0131narak belirlenir. Buna g\u00f6re g\u00fcnl\u00fck kazan\u00e7 alt s\u0131n\u0131r\u0131, g\u00fcncel asgari \u00fccretin 30\u2019da 1\u2019i olarak al\u0131n\u0131rken \u00fcst s\u0131n\u0131r, g\u00fcnl\u00fck kazan\u00e7 alt s\u0131n\u0131r\u0131n 7,5 kat\u0131d\u0131r. <\/p>\n\n\n\n G\u00fcnl\u00fck kazan\u00e7 alt s\u0131n\u0131r ve \u00fcst s\u0131n\u0131r hesaplama detaylar\u0131na g\u00f6re 2023 g\u00fcncel asgari \u00fccrete g\u00f6re ayl\u0131k alt ve \u00fcst kazan\u00e7 \u015fu \u015fekildedir: <\/p>\n\n\n\n\n
\u0130ste\u011fe Ba\u011fl\u0131 Sigorta Nas\u0131l Yap\u0131l\u0131r?\u00a0<\/strong><\/h2>\n\n\n\n
E-Devlet\u2019ten \u0130ste\u011fe Ba\u011fl\u0131 Sigorta Ba\u015fvurusu Nas\u0131l Yap\u0131l\u0131r?<\/strong><\/h3>\n\n\n\n
\u0130ste\u011fe Ba\u011fl\u0131 Sigorta Primi Nas\u0131l Hesaplan\u0131r?<\/strong><\/h2>\n\n\n\n
<\/figure>\n\n\n\n