{"id":357,"date":"2025-03-10T12:39:16","date_gmt":"2025-03-10T09:39:16","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?page_id=357"},"modified":"2025-03-10T12:39:17","modified_gmt":"2025-03-10T09:39:17","slug":"saglik-sigortasi","status":"publish","type":"page","link":"https:\/\/sigorta.nesiblog.com\/?page_id=357","title":{"rendered":"Sa\u011fl\u0131k\u00a0\u00a0Sigortas\u0131"},"content":{"rendered":"\n<h4 class=\"wp-block-heading\"><strong>TAMAMLAYICI SA\u011eLIK S\u0130GORTASI<\/strong><\/h4>\n\n\n\n<p>Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131, anla\u015fmal\u0131 \u00f6zel sa\u011fl\u0131k kurumlar\u0131ndan alaca\u011f\u0131n\u0131z hizmetler i\u00e7in SGK\u2019n\u0131n kar\u015f\u0131lamad\u0131\u011f\u0131 fark \u00fccretini \u00f6zel ve genel \u015fartlarda belirtildi\u011fi \u015fekilde kar\u015f\u0131lar. 55 ya\u015f\u0131n alt\u0131ndaki SGK\u2019s\u0131 aktif olan ve T.C.\u2019de ikamet eden herkes bu \u00fcr\u00fcnden yararlanabilir.<\/p>\n\n\n\n<p>Se\u00e7ebilece\u011finiz 3 farkl\u0131 plan mevcuttur:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Yatarak Tedavi<\/li>\n\n\n\n<li>Yatarak Tedavi + Ayakta Tedavi<\/li>\n\n\n\n<li>Yatarak Tedavi + Ayakta Tedavi + Do\u011fum Teminat\u0131<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Yatarak Tedavi Teminat\u0131<\/strong><\/h4>\n\n\n\n<p>Yatarak tedavileriniz, a\u015fa\u011f\u0131da belirtilen teminatlar \u00e7er\u00e7evesinde s\u0131n\u0131rs\u0131z ve %100 olarak kar\u015f\u0131lan\u0131r.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cerrahi\/giri\u015fimsel ve medikal tedaviler<\/li>\n\n\n\n<li>K\u00fc\u00e7\u00fck cerrahi m\u00fcdahaleler<\/li>\n\n\n\n<li>Kemoterapi, radyoterapi ve diyaliz<\/li>\n\n\n\n<li>Hastane oda, yo\u011fun bak\u0131m ve refakat giderleri<\/li>\n\n\n\n<li>Yapay uzuv, organ ve doku nakilleri<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Ayakta Tedavi Teminat\u0131<\/strong><\/h4>\n\n\n\n<p>\u0130ste\u011fe ba\u011fl\u0131 olarak, Yatarak tedavi teminatlar\u0131na ilaveten a\u015fa\u011f\u0131daki teminatlar poli\u00e7eye dahil olur.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Doktor muayenesi<\/li>\n\n\n\n<li>R\u00f6ntgen\/g\u00f6r\u00fcnt\u00fcleme<\/li>\n\n\n\n<li>Laboratuvar\/tahlil<\/li>\n\n\n\n<li>\u0130leri tan\u0131 y\u00f6ntemleri<\/li>\n<\/ul>\n\n\n\n<p>Ayakta tedavi teminatlar\u0131 sigorta \u015firketine g\u00f6re farkl\u0131l\u0131k g\u00f6stermekte olup 8 ila 10 vaka ile s\u0131n\u0131rl\u0131d\u0131r. Muayene ve ayn\u0131 muayeneye ba\u011fl\u0131 tetkik\/tahlilleriniz 1 vaka olarak kabul edilir.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Do\u011fum Teminat\u0131<\/strong><\/h4>\n\n\n\n<p>Hamilelik ve do\u011fum ile ilgili sa\u011fl\u0131k masraflar\u0131n\u0131z yatarak + ayakta tedavi teminatlar\u0131na ek olarak alabilirsiniz. Do\u011fum Teminat\u0131 belirli anla\u015fmal\u0131 kurumlarda ge\u00e7elidir.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u00d6ZEL SA\u011eLIK S\u0130GORTASI<\/strong><\/h4>\n\n\n\n<p>\u00d6zel sa\u011fl\u0131k sigortas\u0131, sigortalanan ki\u015finin hastal\u0131klar ve kazalar sonucu olu\u015facak sa\u011fl\u0131k giderlerini kar\u015f\u0131lamak \u00fczere haz\u0131rlanm\u0131\u015f ki\u015fiye \u00f6zel bir poli\u00e7edir.<\/p>\n\n\n\n<p>Belirlenen limitler, \u00f6zel ve genel \u015fartlar dahilinde, daha \u00f6nceden sigorta poli\u00e7esinde belirtilen olas\u0131 risklere kar\u015f\u0131 sigortal\u0131y\u0131 korur. Bir \u00f6zel sa\u011fl\u0131k sigortas\u0131 poli\u00e7esinde en \u00f6nemli unsurlardan biri genel ve \u00f6zel \u015fartlard\u0131r. \u00d6zellikle incelenmeli ve ki\u015fiye&nbsp;en uygun poli\u00e7enin&nbsp;se\u00e7ilmesi gereklidir.<\/p>\n\n\n\n<p>\u00d6zel sa\u011fl\u0131k sigortalar\u0131nda yayg\u0131n olarak bilinen&nbsp;18-65 ya\u015f s\u0131n\u0131r\u0131&nbsp;sigorta \u015firketlerine g\u00f6re farkl\u0131l\u0131k g\u00f6sterebilmektedir. Pek \u00e7ok \u015firket&nbsp;yeni do\u011fan&nbsp;bebekler de dahil olmak \u00fczere ayr\u0131&nbsp;sa\u011fl\u0131k sigortas\u0131&nbsp;d\u00fczenlemeye ba\u015flam\u0131\u015ft\u0131rlar. \u00dcst s\u0131n\u0131r da 56 ila 65 aras\u0131nda de\u011fi\u015fkenlik g\u00f6stermektedir.<\/p>\n\n\n\n<p>\u00d6zel Sa\u011fl\u0131k Sigortas\u0131 kapsam\u0131nda&nbsp;yatarak tedavi&nbsp;ve&nbsp;ayakta tedavi teminatlar\u0131&nbsp;olmak \u00fczere iki ayr\u0131 ana teminat vard\u0131r.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Ayakta Tedavi Teminat\u0131<\/strong><\/h4>\n\n\n\n<p>Ayakta tedavi, doktor, ila\u00e7, r\u00f6ntgen ve tahlil gibi hastanede yatmay\u0131 gerektirmeyen ayakta yap\u0131lan harcamalar\u0131 kar\u015f\u0131lar.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Doktor Muayene:<\/strong>\u00a0Sa\u011fl\u0131k Bakanl\u0131\u011f\u0131 taraf\u0131ndan \u00e7al\u0131\u015fma ruhsat\u0131 verilmi\u015f hastane, klinik veya \u00f6zel muayenehanelerde doktor taraf\u0131ndan yap\u0131lan muayeneye ait giderleri kar\u015f\u0131lar.<\/li>\n\n\n\n<li><strong>Fizik Tedavi:<\/strong>\u00a0Hastal\u0131\u011f\u0131n tedavisi i\u00e7in doktorun gerekli g\u00f6rd\u00fc\u011f\u00fc fizik tedavilere ait giderleri kar\u015f\u0131lar.<\/li>\n\n\n\n<li><strong>\u0130la\u00e7:<\/strong>\u00a0Doktorun te\u015fhis ve tedavi i\u00e7in t\u0131bben gerekli g\u00f6rd\u00fc\u011f\u00fc ve tazminat talep formunda belirtti\u011fi durumlarda doktor re\u00e7etesinde belirtilen ila\u00e7 giderleri kar\u015f\u0131lar. Re\u00e7etesiz ve k\u00fcp\u00fcrs\u00fcz al\u0131nan ila\u00e7 giderlerini kar\u015f\u0131lamaz.<\/li>\n\n\n\n<li><strong>Tan\u0131 Birimleri:<\/strong>\u00a0Doktorun hastal\u0131\u011f\u0131 te\u015fhis edebilmesi i\u00e7in gerekli g\u00f6rd\u00fc\u011f\u00fc her t\u00fcrl\u00fc laboratuvar, radyoloji, kardiyoloji ve n\u00fckleer t\u0131p gibi tan\u0131 birimlerine ait giderleri kar\u015f\u0131lar.<\/li>\n\n\n\n<li><strong>Tahlil-R\u00f6ntgen:<\/strong>\u00a0Doktorun te\u015fhis ve tedavi i\u00e7in t\u0131bben gerekli g\u00f6rd\u00fc\u011f\u00fc durumlarda tahlil, r\u00f6ntgen giderleri ile bu te\u015fhis y\u00f6ntemlerinin uygulanmas\u0131n\u0131n gerektirdi\u011fi ila\u00e7, anestezi, doktor \u00fccreti giderlerini kar\u015f\u0131lar.<\/li>\n\n\n\n<li><strong>MR-Sintigrafi-Tomografi:<\/strong>\u00a0Doktorun hastal\u0131\u011f\u0131n te\u015fhisi ve tedavisi i\u00e7in t\u0131bben gerekli g\u00f6rd\u00fc\u011f\u00fc durumlarda yap\u0131lan MR-Sintigrafi-Tomografi giderlerini kar\u015f\u0131lar.<\/li>\n\n\n\n<li><strong>G\u00f6r\u00fcnt\u00fcleme Hizmetleri:<\/strong>\u00a0Doktorun hastal\u0131\u011f\u0131n te\u015fhisi ve \u00a0tetkiki i\u00e7in istedi\u011fi r\u00f6ntgene ili\u015fkin giderleri, tomografi, MR, anjiyografi, endoskopi, kolonoskopi, gastroskopi, sintigrafi, odyografi gibi benzeri ileri tetkik giderleri ile kimyasal madde ve ila\u00e7lara ait giderleri kar\u015f\u0131lar.<\/li>\n\n\n\n<li><strong>Laboratuvar Hizmetleri:<\/strong>\u00a0Doktorun hastal\u0131\u011f\u0131n te\u015fhisi ve gerekli g\u00f6rd\u00fc\u011f\u00fc takdirde ileri tetkiki i\u00e7in istemde bulundu\u011fu tahliller ile kimyasal madde ve ila\u00e7lara ait giderleri kar\u015f\u0131lar.<\/li>\n\n\n\n<li><strong>Rutin Kontrol ve Diyagnostik:<\/strong>\u00a0Sigortal\u0131n\u0131n rutin kontrolleri, \u015fikayeti olmaks\u0131z\u0131n yap\u0131lan doktor muayeneleri, a\u015f\u0131lar ve \u00f6n tetkikleri, alerji tan\u0131, g\u00f6z muayeneleri, menopoz ve osteoporoz tan\u0131s\u0131 dahil, hekim taraf\u0131ndan istenen Check-up ama\u00e7l\u0131 tetkikler ve do\u011fum teminat\u0131 kapsam\u0131ndaki kontrol ama\u00e7l\u0131 harcamalar\u0131 azalan bakiye \u015feklinde poli\u00e7e limitleri dahilinde kar\u015f\u0131lar.Yatarak tedavi, hem hastanede yat\u0131l\u0131 tedaviyi gerektiren ameliyat ve anjiyografi gibi harcamalar\u0131, hem de al\u00e7\u0131, kemoterapi ve radyoterapi gibi yatmay\u0131 gerektirmeyen tedavi harcamalar\u0131n\u0131 kar\u015f\u0131lar. 24 saatten az olmamak \u015fart\u0131yla, hastanede yatmay\u0131 gerektiren durumlarda yat\u0131\u015f ve tedavi masraflar\u0131 ile birlikte acil durumlardaki harcamalar\u0131 da kapsamaktad\u0131r.Cerrahi bir m\u00fcdahale olsun veya olmas\u0131n\u00a0yat\u0131l\u0131 tedavilerde\u00a0hastane, yatak, yemek, refakat\u00e7i, operat\u00f6r doktor \u00fccreti, asistan doktor \u00fccreti, anestezist, ameliyathane masraflar\u0131, sarf edilen t\u0131bbi malzeme giderleri ve kullan\u0131lan ila\u00e7 giderleri poli\u00e7e limitleri\u00a0dahilinde kar\u015f\u0131lan\u0131r.<\/li>\n\n\n\n<li>Sigortal\u0131n\u0131n, yatarak tedavi teminatlar\u0131ndan yararlanmas\u0131 i\u00e7in, hastaneye yat\u0131\u015f ve tedavi gerektiren durumunun sigorta ba\u015flang\u0131c\u0131ndan sonra te\u015fhis edilmesi gerekmektedir. Teminatlar sigorta \u015firketlerinin sundu\u011fu \u00f6zel \u015fartlara ve sigortal\u0131n\u0131n genel sa\u011fl\u0131k durumuna g\u00f6re sigorta poli\u00e7esinde ve s\u00f6zle\u015fmede belirtilen \u015fekilde ve oranlarda kar\u015f\u0131lan\u0131r.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Yatarak Tedavi Teminat\u0131<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ameliyat:<\/strong>\u00a0Sigortal\u0131n\u0131n yatarak tedavisi s\u0131ras\u0131nda ameliyat olmas\u0131 gerekti\u011finde ameliyathane masraflar\u0131, anestezi s\u0131ras\u0131nda kullan\u0131lan malzemeler ve doktor \u00fccreti bu teminat ile g\u00fcvence alt\u0131na al\u0131n\u0131r.<\/li>\n\n\n\n<li><strong>Yo\u011fun Bak\u0131m:\u00a0<\/strong>Yo\u011fun bak\u0131m \u00fcnitesinde al\u0131nan tedavi i\u00e7in \u00f6denecek giderleri kar\u015f\u0131lar.<\/li>\n\n\n\n<li><strong>Hastane Tedavi Giderleri:<\/strong>\u00a0Ameliyats\u0131z yat\u0131\u015flarda veya sigortal\u0131n\u0131n hastanede yatmas\u0131n\u0131 gerektirmeden yap\u0131lan cerrahi ve ortopedik m\u00fcdahalelere ait kons\u00fcltasyon ile doktor \u00fccreti, kan ve kan plazmas\u0131 dahil gerekli malzeme, oksijen, anestezi, al\u00e7\u0131 ve diki\u015f uygulamas\u0131, kullan\u0131lmas\u0131 hekimce gerekli g\u00f6r\u00fclen ortopedik destekleyici ve korse, bandaj, sarg\u0131, pansuman, enjeksiyon ve benzeri giderleri kar\u015f\u0131lar.<\/li>\n\n\n\n<li><strong>\u0130la\u00e7:<\/strong>\u00a0Sigortal\u0131n\u0131n sa\u011fl\u0131k kurulu\u015flar\u0131nda yatarak tedavisi s\u0131ras\u0131nda kullan\u0131lan ila\u00e7lar\u0131n giderlerini kar\u015f\u0131lar.<\/li>\n\n\n\n<li><strong>Tan\u0131:<\/strong>\u00a0Doktorun hastal\u0131\u011f\u0131 te\u015fhis edebilmesi i\u00e7in gerekli g\u00f6rd\u00fc\u011f\u00fc her t\u00fcrl\u00fc tan\u0131 birimi giderlerini kar\u015f\u0131lar.<\/li>\n\n\n\n<li><strong>Refakat\u00e7i:<\/strong>\u00a0Refakat\u00e7i kalmas\u0131n\u0131n t\u0131bbi zorunluluk g\u00f6sterdi\u011fi durumlarda ilgili giderleri kar\u015f\u0131lar.<\/li>\n\n\n\n<li><strong>Oda ve Yemek:<\/strong>\u00a0Hastanede yat\u0131lan her g\u00fcn i\u00e7in oda ve yemek giderlerini kar\u015f\u0131lar.<\/li>\n\n\n\n<li><strong>Kara Ambulans\u0131<\/strong><\/li>\n\n\n\n<li><strong>Hava Ambulans\u0131<\/strong><\/li>\n\n\n\n<li><strong>Do\u011fum:<\/strong>\u00a0Bu teminat poli\u00e7enin y\u00fcr\u00fcrl\u00fc\u011fe girdi\u011fi tarihten itibaren belirli bir s\u00fcre sonra ger\u00e7ekle\u015fen do\u011fumlar i\u00e7in ge\u00e7erlidir. Bu s\u00fcre, sigorta \u015firketleri aras\u0131nda farkl\u0131l\u0131k g\u00f6sterir. Sigortal\u0131n\u0131n do\u011fum sonras\u0131nda, sa\u011fl\u0131k kurulu\u015fundaki yatarak tedavisi s\u00fcresince bebek ile ilgili ilk doktor muayenesi, a\u015f\u0131 ve ila\u00e7 giderleri, teminat tablosunda belirtilen do\u011fum giderlerini kar\u015f\u0131lar.<\/li>\n\n\n\n<li><strong>K\u00fc\u00e7\u00fck M\u00fcdahale<\/strong><\/li>\n\n\n\n<li><strong>Doktor Takibi:\u00a0<\/strong>Sigortal\u0131n\u0131n yatarak tedavisi s\u0131ras\u0131nda doktor taraf\u0131ndan yap\u0131lan takibe ait giderleri kar\u015f\u0131lar.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Di\u011fer Teminatlar<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Radyoterapi<\/strong><\/li>\n\n\n\n<li><strong>Suni Uzuv:<\/strong>\u00a0Tedavinin suni uzuv gerektirmesi h\u00e2linde bununla ilgili giderleri kar\u015f\u0131lar.<\/li>\n\n\n\n<li><strong>Kemoterapi<\/strong><\/li>\n\n\n\n<li><strong>Anjiyografi<\/strong><\/li>\n\n\n\n<li><strong>T\u0131bbi Dan\u0131\u015fmanl\u0131k<\/strong><\/li>\n\n\n\n<li><strong>Diyaliz<\/strong><\/li>\n\n\n\n<li><strong>Rehabilitasyon<\/strong><\/li>\n\n\n\n<li><strong>Evde Bak\u0131m:<\/strong>\u00a0Tedavinin evde yap\u0131lmas\u0131 gerekti\u011fi h\u00e2llerde olu\u015fan giderleri kar\u015f\u0131lar.<\/li>\n\n\n\n<li><strong>Kazaen Di\u015f Tedavisi:<\/strong>\u00a0Trafik kazas\u0131 sonucunda meydana gelen di\u015f rahats\u0131zl\u0131klar\u0131 i\u00e7in yap\u0131lan tedavi giderleri kar\u015f\u0131lar.<\/li>\n\n\n\n<li><strong>Yurt D\u0131\u015f\u0131:<\/strong>\u00a0Gerekli oldu\u011fu takdirde yurt d\u0131\u015f\u0131nda al\u0131nmas\u0131 gereken tedaviler i\u00e7in yap\u0131lan giderleri kar\u015f\u0131lar.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>TAMAMLAYICI SA\u011eLIK S\u0130GORTASI Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131, anla\u015fmal\u0131 \u00f6zel sa\u011fl\u0131k kurumlar\u0131ndan alaca\u011f\u0131n\u0131z hizmetler i\u00e7in SGK\u2019n\u0131n kar\u015f\u0131lamad\u0131\u011f\u0131 fark \u00fccretini \u00f6zel ve genel \u015fartlarda belirtildi\u011fi \u015fekilde kar\u015f\u0131lar. 55 ya\u015f\u0131n alt\u0131ndaki SGK\u2019s\u0131 aktif olan ve T.C.\u2019de ikamet eden herkes bu \u00fcr\u00fcnden yararlanabilir. Se\u00e7ebilece\u011finiz 3<\/p>\n","protected":false},"author":1,"featured_media":358,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-357","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/pages\/357","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=357"}],"version-history":[{"count":1,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/pages\/357\/revisions"}],"predecessor-version":[{"id":359,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/pages\/357\/revisions\/359"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/media\/358"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=357"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}