{"id":128744,"date":"2025-10-21T04:30:08","date_gmt":"2025-10-21T04:30:08","guid":{"rendered":"https:\/\/kamucalisani.net\/?p=128744"},"modified":"2025-10-21T04:30:08","modified_gmt":"2025-10-21T04:30:08","slug":"saglikta-ozel-sigorta-icin-15-soruya-15-cevap","status":"publish","type":"post","link":"https:\/\/kamucalisani.net\/index.php\/2025\/10\/21\/saglikta-ozel-sigorta-icin-15-soruya-15-cevap\/","title":{"rendered":"Sa\u011fl\u0131kta \u00f6zel sigorta i\u00e7in 15 soruya 15 cevap"},"content":{"rendered":"

DUYGU ERDO\u011eAN \/ \u0130STANBUL –<\/strong><\/span> \u00d6zel sa\u011fl\u0131k sigortalar\u0131 son d\u00f6nemde \u00f6zellikle y\u00fcksek fiyat art\u0131\u015flar\u0131 ve \u015firketlere g\u00f6re de\u011fi\u015fen poli\u00e7e \u015fartlar\u0131yla g\u00fcndemde tart\u0131\u015fmalara neden oluyor. Farkl\u0131 hastal\u0131k i\u00e7in kullan\u0131lan ila\u00e7larla bile poli\u00e7e kapsam\u0131 daralt\u0131l\u0131yor. Ayr\u0131ca ki\u015finin \u015firket de\u011fi\u015fiminde haklar\u0131 korunmuyor, s\u00fcre\u00e7 ba\u015ftan ba\u015flat\u0131l\u0131yor. Bu kapsamda t\u00fcketici lehine baz\u0131 d\u00fczenlemelerle \u00f6zel sa\u011fl\u0131k sigortas\u0131 kapsam\u0131 netle\u015ftirilirken, \u015firketlerin uygulamalar\u0131na y\u00f6nelik de\u011fi\u015fiklikler hayata ge\u00e7irildi.\u00a0<\/p>\n

Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu\u00a0(SEDDK) taraf\u0131ndan haz\u0131rlanan \u201c\u00d6zel Sa\u011fl\u0131k Sigortalar\u0131 Y\u00f6netmeli\u011finde De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Y\u00f6netmelik\u201d Resmi Gazete\u2019de yay\u0131mland\u0131.\u00a0Buna g\u00f6re 15 soru ve cevapla d\u00fczenlemenin \u00f6ne \u00e7\u0131kanlar\u0131n\u0131 ele ald\u0131k\u2026<\/p>\n

1-Yap\u0131lan d\u00fczenlemenin en \u00f6nemli faydas\u0131 ne oldu?<\/strong><\/p>\n

Sigorta \u015firketlerinin 60 ya\u015f alt\u0131ndaki herkes i\u00e7in \u00f6mr\u00fc boyunca yenileme garantili poli\u00e7e sunmas\u0131 zorunlu hale geldi. T\u00fcketici isterse \u00f6m\u00fcr boyu yenileme garantisi taahh\u00fcd\u00fc i\u00e7ermeyen s\u00f6zle\u015fmeler de talep edebilir.<\/p>\n

2-\u00d6m\u00fcr boyu yenileme garantisi geriye d\u00f6n\u00fck uygulanacak m\u0131?<\/strong><\/p>\n

\u00d6m\u00fcr boyu yenileme garantisi olanlar 1 Ocak 2026 sonras\u0131 devam edecek. S\u00f6zle\u015fmelerinde bu madde olmayanlar, \u2018\u00f6m\u00fcr boyu yenileme\u2019 i\u00e7in yeni poli\u00e7e yapt\u0131rmal\u0131.<\/p>\n

3-\u00d6m\u00fcr boyu yenileme garantisi farkl\u0131 \u015firkete ge\u00e7en t\u00fcketici i\u00e7in ayn\u0131 \u015fekilde devam eder mi?<\/strong><\/p>\n

Bu hakk\u0131 olan sigortal\u0131lar\u0131n listesi Sigorta Bilgi ve G\u00f6zetim Merkezi (SBGM) taraf\u0131ndan tutulacak. \u015eirket de\u011fi\u015ftirme yap\u0131l\u0131rken bu liste esas al\u0131nacak ve ge\u00e7i\u015fte sigortal\u0131n\u0131n haklar\u0131 korunacak.<\/p>\n

4-\u00d6rne\u011fin \u015firket gibi grup sigortalar\u0131ndan bireysele ge\u00e7i\u015fte yenileme garantisi m\u00fcmk\u00fcn m\u00fc?<\/strong><\/p>\n

Grup sigortal\u0131lar\u0131n\u0131n s\u00fcreleri, \u00f6m\u00fcr boyu yenileme garantisinden say\u0131lm\u0131yordu. bu nedenle pek \u00e7ok t\u00fcketici \u00e7ift poli\u00e7e yapt\u0131r\u0131p \u00f6demek zorunda kal\u0131yordu. Grup sigortalardan bireysele ge\u00e7i\u015fte \u00f6m\u00fcr boyu yenileme garantisi art\u0131k korunuyor.<\/p>\n

5-Hangi durumda yenileme garantisi uygulanmaz?<\/strong><\/p>\n

\u015eirketler, sigortal\u0131n\u0131n mevcut veya riskli hastal\u0131klar\u0131na \u00f6zel \u015fartlarda ek prim, limit veya kat\u0131l\u0131m pay\u0131 uygulayabilir ya da bu rahats\u0131zl\u0131klar\u0131 teminat d\u0131\u015f\u0131nda b\u0131rakabilir. Ancak asgari \u015fartlar\u0131 sa\u011flayan sigortal\u0131ya \u00f6m\u00fcr boyu yenileme garantisi vermekten ka\u00e7\u0131namaz.<\/p>\n

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6-\u00d6zel sigortalar i\u00e7in farkl\u0131 tedavi ve hastal\u0131klar i\u00e7in bekleme s\u00fcresi nas\u0131l d\u00fczenlendi?<\/strong><\/p>\n

Bekleme s\u00fcresi, \u00f6zel veya tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 sat\u0131n al\u0131rken \u00f6nceden ge\u00e7irmi\u015f oldu\u011fun hastal\u0131klar, mevcut hastal\u0131klar\u0131n ve kal\u0131tsal rahats\u0131zl\u0131klar\u0131n tespiti i\u00e7in belirlenmi\u015f s\u00fcredir.\u00a0Poli\u00e7ede sunulan her bir teminat i\u00e7in sadece ilk sigorta d\u00f6neminde bekleme s\u00fcresi uygulanabilecek. Mevcutta 1 y\u0131la kadar bekleme s\u00fcresi var.<\/p>\n

7-Hamilelik\/do\u011fum gibi \u00f6zel durumlarda bekleme s\u00fcreleri nas\u0131l i\u015fliyor?<\/strong><\/p>\n

Hamilelik\/do\u011fum kapsam\u0131 olan \u00f6zel sa\u011fl\u0131k sigortalar\u0131nda da ilk sigorta d\u00f6neminde bekleme s\u00fcresi uygulanabilecek.<\/p>\n

8-Bekleme s\u00fcreleri \u015firket de\u011fi\u015fikli\u011finde nas\u0131l devam edecek?<\/strong><\/p>\n

Bekleme s\u00fcresi tamamlanmadan yeni bir \u015firkete ge\u00e7i\u015f yap\u0131ld\u0131\u011f\u0131 durumlarda, yeni \u015firketin uygulayaca\u011f\u0131 bekleme s\u00fcresinden \u00f6nceki \u015firkette ge\u00e7irilen s\u00fcre indirilecek.<\/p>\n

9-T\u00fcm sa\u011fl\u0131k kay\u0131tlar\u0131n\u0131 en ba\u015ftan \u015firkete vermeye gerek var m\u0131?<\/strong><\/p>\n

\u015eirket, sigortal\u0131n\u0131n sa\u011fl\u0131k bilgilerine art\u0131k do\u011frudan merkez \u00fczerinden eri\u015febilecek ve risk de\u011ferlendirmesi, tazminat ve yenileme garantisi analizleri bu verilerle yap\u0131lacak.<\/p>\n

10-Kay\u0131tlar ne zaman silinir?<\/strong><\/p>\n

Y\u00f6netmelik uyar\u0131nca tutulan sigortal\u0131l\u0131k kay\u0131tlar\u0131 ve sa\u011fl\u0131k bilgileri ki\u015finin sigortal\u0131l\u0131\u011f\u0131n\u0131n sona ermesinden itibaren 10 y\u0131l boyunca muhafaza edilir. Bu s\u00fcrenin sona ermesi ile birlikte bu veriler 6698 say\u0131l\u0131 Kanun uyar\u0131nca resen silinir, yok edilir.<\/p>\n

11-\u00d6zel sa\u011fl\u0131k sigortalar\u0131n\u0131n kapsam\u0131nda de\u011fi\u015fiklik var m\u0131?<\/strong><\/p>\n

Y\u00f6netmelikte seyahat sa\u011fl\u0131k sigortas\u0131 ile hastal\u0131k sigortalar\u0131n\u0131n kapsam d\u0131\u015f\u0131nda b\u0131rak\u0131ld\u0131\u011f\u0131 a\u00e7\u0131k\u00e7a belirtildi.<\/p>\n

12-Pek \u00e7ok t\u00fcketici farkl\u0131 hastal\u0131klar nedeniyle \u00e7e\u015fitli teminatlarda kapsam d\u0131\u015f\u0131 say\u0131l\u0131yor; buna y\u00f6nelik bir d\u00fczenleme var m\u0131?<\/strong><\/p>\n

\u00d6rne\u011fin bir tansiyon hastas\u0131, kalp ve damar hastal\u0131klar\u0131ndan kapsam d\u0131\u015f\u0131. Ancak bu konu halen \u015firketlerin uygulamalar\u0131na b\u0131rak\u0131lm\u0131\u015f durumda. \u00d6nceden var olan hastal\u0131klar\u0131n kapsam d\u0131\u015f\u0131 tutulmas\u0131 ge\u00e7erli.<\/p>\n

13-\u00d6rt\u00fcl\u00fc fiyat art\u0131\u015f\u0131 yap\u0131labilir mi?<\/strong><\/p>\n

\u015eirketler, prime ili\u015fkin t\u00fcm kampanya ve indirimleri sigortal\u0131ya bildirmek ve yap\u0131lan indirim tutar\u0131 veya oranlar\u0131n\u0131 poli\u00e7ede a\u00e7\u0131k\u00e7a belirtmekle y\u00fck\u00fcml\u00fc hale getirildi. B\u00f6ylece, indirimlerin kald\u0131r\u0131lmas\u0131 yoluyla yap\u0131lan \u00f6rt\u00fcl\u00fc fiyat art\u0131\u015flar\u0131n\u0131n \u00f6n\u00fcne ge\u00e7ildi.<\/p>\n

14-Kazan\u0131lm\u0131\u015f haklar farkl\u0131 \u015firket ge\u00e7i\u015flerinde korunabilecek mi?<\/strong><\/p>\n

Mevcutta hak kayb\u0131 olmadan \u015firket de\u011fi\u015ftirilemiyordu. Bekleme s\u00fcreleri ba\u015fta olmak \u00fczere \u00f6nceki \u015firkette kazan\u0131lan pek \u00e7ok hak ba\u015ftan i\u015fletiliyordu. \u015eimdi hi\u00e7bir hak kayb\u0131 olmadan \u015firket de\u011fi\u015ftirilebilecek, sistem kald\u0131\u011f\u0131 yerden i\u015fleyecek.\u00a0<\/p>\n

15-\u015eartlar bug\u00fcnden ge\u00e7erli olacak m\u0131?<\/strong><\/p>\n

Bu Y\u00f6netmelik 01\/01\/2026 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girecek.\u00a0<\/p>\n

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Poli\u00e7elere dikkat, mutlaka okuyun<\/strong><\/p>\n

D\u00fczenleme 1 Ocak 2026 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girecek. Sigorta \u015firketleri bu s\u00fcre\u00e7te operasyonel olarak haz\u0131rlanacak, vatanda\u015flar da yenileme d\u00f6neminde sunulan teklifleri inceleyecek. Sigortac\u0131lar bu d\u00f6nemde t\u00fcketicileri uyar\u0131yor; sunulan bilgilerin dikkatle incelenmesi, poli\u00e7elerin kontrol edilmesi \u00f6neriliyor.<\/p>\n\n

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Kaynak :\u00a0http:\/\/www.milliyet.com.tr\/ekonomi\/saglikta-ozel-sigorta-icin-15-soruya-15-cevap-7467941<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Son d\u00f6nemde y\u00fcksek fiyat art\u0131\u015flar\u0131yla tart\u0131\u015fma yaratan \u00f6zel sa\u011fl\u0131k sigortas\u0131 uygulamalar\u0131nda 2026 y\u0131l\u0131 pek \u00e7ok yenilikle ba\u015fl\u0131yor. \u00d6m\u00fcr boyu garanti sisteminden bekleme s\u00fcresine kadar de\u011fi\u015fikliklerle t\u00fcketici lehine bir\u00e7ok karar al\u0131nd\u0131. \u0130\u015fte 15 soruya 15 cevap…<\/p>\n","protected":false},"author":1,"featured_media":128745,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[4807,7868,1337,155,641],"class_list":["post-128744","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-kapsam","tag-police","tag-sigorta","tag-sirket","tag-sure"],"_links":{"self":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/128744","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/comments?post=128744"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/128744\/revisions"}],"predecessor-version":[{"id":128748,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/128744\/revisions\/128748"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media\/128745"}],"wp:attachment":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media?parent=128744"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/categories?post=128744"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/tags?post=128744"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}