{"id":76297,"date":"2024-08-05T11:48:08","date_gmt":"2024-08-05T11:48:08","guid":{"rendered":"https:\/\/kamucalisani.net\/?p=76297"},"modified":"2024-08-05T11:48:08","modified_gmt":"2024-08-05T11:48:08","slug":"bakim-sigortasi-yuku-hafifletir","status":"publish","type":"post","link":"https:\/\/kamucalisani.net\/index.php\/2024\/08\/05\/bakim-sigortasi-yuku-hafifletir\/","title":{"rendered":"Bak\u0131m sigortas\u0131 y\u00fck\u00fc hafifletir"},"content":{"rendered":"

Prof. Dr. \u0130smail Tufan –\u00a0<\/strong>Ya\u015flanmak, hayat\u0131m\u0131z\u0131n ka\u00e7\u0131n\u0131lmaz bir par\u00e7as\u0131d\u0131r ve herkes bu s\u00fcrecin getirdi\u011fi fiziksel ve zihinsel de\u011fi\u015fimlere haz\u0131r olmal\u0131d\u0131r. Bu de\u011fi\u015fimlerin herhalde en \u00f6nemlilerinden biri bak\u0131m ihtiyac\u0131d\u0131r. Bu noktada bak\u0131m sigortas\u0131 devreye girmelidir ve bak\u0131m ihtiyac\u0131 olan bireylere bak\u0131m g\u00fcvencesi sa\u011flanmal\u0131d\u0131r.<\/p>\n

Neden gerek var?<\/strong><\/p>\n

\u00d6nce bak\u0131m sigortas\u0131n\u0131n \u201cya\u015fl\u0131 bak\u0131m\u0131 sigortas\u0131\u201d olmad\u0131\u011f\u0131n\u0131 belirtelim. Ya\u015fl\u0131l\u0131kta bak\u0131m ihtiyac\u0131 artsa da do\u011fu\u015ftan engelli veya sonradan engelli olup ya\u015fl\u0131 olmayan milyonlarca ki\u015finin bak\u0131ma ihtiyac\u0131 var. Do\u011fumdan son nefesine kadar ya\u015flanan insan\u0131n bak\u0131ma ihtiyac\u0131 olunca, ya\u015fam kalitesi azal\u0131r. Ba\u011f\u0131ms\u0131z ya\u015fam\u0131n s\u00fcrd\u00fcr\u00fclebilmesi i\u00e7in fiziksel, duygusal ve sosyal destek ihtiya\u00e7lar\u0131 kar\u015f\u0131lanmal\u0131d\u0131r. Bak\u0131m sigortas\u0131, ya\u015ftan ba\u011f\u0131ms\u0131z bireylerin ihtiya\u00e7 duydu\u011fu bak\u0131m hizmetlerini kar\u015f\u0131layarak onlar\u0131n ya\u015fam kalitesini art\u0131r\u0131r. Bak\u0131m sigortas\u0131n\u0131n gereklili\u011fi, artan ya\u015fl\u0131 n\u00fcfus oran\u0131yla daha da belirginle\u015fti. Bak\u0131m sigortas\u0131n\u0131n maliyetini \u00e7al\u0131\u015fanlar, i\u015fverenler ve emekliler birlikte kar\u015f\u0131layarak bireylerin ve ailelerin \u00fczerindeki ekonomik y\u00fck\u00fc hafifletirler.<\/p>\n

Hizmete kolay eri\u015fim<\/strong><\/p>\n

Bak\u0131m sigortas\u0131, bireylere ve ailelerine b\u00fcy\u00fck bir rahatl\u0131k sa\u011flar. \u00d6ncelikle, sigortal\u0131 bireyler, ihtiya\u00e7 duyduklar\u0131 bak\u0131m hizmetlerine kolayca eri\u015febilirler. Bu hizmetler, evde bak\u0131m, bak\u0131mevleri veya rehabilitasyon merkezlerinde sunulabilir. Bak\u0131m sigortas\u0131, bu hizmetlerin maliyetinin t\u00fcm\u00fcn\u00fc veya bir k\u0131sm\u0131n\u0131 kar\u015f\u0131layarak bireylerin maddi kayg\u0131s\u0131n\u0131 azalt\u0131r. Aileler a\u00e7\u0131s\u0131ndan da bak\u0131m sigortas\u0131 b\u00fcy\u00fck bir destektir. Aile \u00fcyeleri, bak\u0131ma ihtiya\u00e7 duyan (ya\u015fl\u0131) bireylerin bak\u0131m\u0131n\u0131 \u00fcstlenirken fiziksel yorgunluk, duygusal stres ve mali s\u0131k\u0131nt\u0131 gibi \u00e7e\u015fitli zorluklarla kar\u015f\u0131la\u015f\u0131rlar. Bak\u0131m sigortas\u0131, sadece bak\u0131m\u0131n maliyetini kar\u015f\u0131layarak veya buna ortak olarak ailelerin \u00fczerindeki y\u00fck\u00fc hafifletmekle kalmaz, ayn\u0131 zamanda toplumun \u201cyeni bak\u0131m k\u00fclt\u00fcr\u00fc\u201d (Tufan, 2006) ile tan\u0131\u015fmas\u0131na ve benimsemesine de olanak tan\u0131r.<\/p>\n

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<\/img> <\/div>\n<\/p><\/div>\n<\/p>\n

Toplumun refah d\u00fczeyini art\u0131r\u0131r<\/strong><\/p>\n

Bak\u0131m sigortas\u0131n\u0131n toplumsal etkileri, bireylerin ya\u015fam kalitesini art\u0131rman\u0131n \u00f6tesine ge\u00e7er. Toplum genelinde sa\u011fl\u0131k ve refah d\u00fczeyini y\u00fckselterek sosyal b\u00fct\u00fcnle\u015fmeyi te\u015fvik eder. Bak\u0131m hizmetlerine eri\u015fimin kolayla\u015fmas\u0131, bireylerin topluma kat\u0131l\u0131m\u0131n\u0131 art\u0131r\u0131r, onlar\u0131n toplumdan izole olmalar\u0131n\u0131 engeller. Bu da sosyal ba\u011flar\u0131n g\u00fc\u00e7lenmesine ve toplumsal uyumun artmas\u0131na katk\u0131da bulunur. Ayr\u0131ca bak\u0131m sigortas\u0131, sa\u011fl\u0131k ve bak\u0131m sekt\u00f6rlerinde istihdam\u0131 art\u0131rarak \u00fclkenin ekonomik b\u00fcy\u00fcmesine de katk\u0131 sa\u011flar. Profesyonel bak\u0131m hizmetlerine talebin artmas\u0131, bu alanda daha fazla i\u015f olana\u011f\u0131 yarat\u0131r ve i\u015f g\u00fcc\u00fc e\u011fitimine olan ihtiyac\u0131 art\u0131r\u0131r. B\u00f6ylece, hem bireyler hem de toplum genelinde ekonomik ve sosyal kalk\u0131nma desteklenmi\u015f olur.<\/p>\n

Almanya\u2019da sosyal g\u00fcvenli\u011fin \u2018be\u015finci s\u00fctunu\u2019 \u00f6rnek olabilir<\/strong><\/p>\n

Almanya\u2019da gerontoloji b\u00f6l\u00fcm\u00fcnden mezun olan, doktoras\u0131n\u0131 da bu \u00fclkede yapan Prof. Dr. \u0130smail Tufan, bak\u0131m sigortas\u0131nda Almanya \u00f6rne\u011fini \u015f\u00f6yle anlatt\u0131:<\/p>\n

\u201cAlmanya\u2019da bak\u0131m sigortas\u0131 sosyal g\u00fcvenlik sisteminin bir par\u00e7as\u0131d\u0131r. Hatta sosyal g\u00fcvenlik sisteminin \u201cbe\u015finci s\u00fctunu\u201d olarak tan\u0131mlan\u0131r. Bu sigorta, ya\u015fl\u0131, engelli veya bak\u0131ma muhta\u00e7 ki\u015filere y\u00f6nelik bak\u0131m hizmetlerini finanse etmek i\u00e7in kullan\u0131l\u0131r.<\/p>\n

Primlerin bir k\u0131sm\u0131 i\u015fveren, di\u011fer k\u0131sm\u0131 sigortal\u0131 ki\u015fi taraf\u0131ndan \u00f6deniyor. Almanya federal h\u00fck\u00fcmeti, bak\u0131m sigortas\u0131 primlerine ek olarak ek bir katk\u0131 sa\u011fl\u0131yor. Almanya\u2019da bak\u0131m sigortas\u0131, sosyal devlet ilkesine ve sosyal adalet anlay\u0131\u015f\u0131na dayan\u0131r. Bak\u0131ma muhta\u00e7 bireylerin sa\u011fl\u0131k ve ya\u015fam kalitesini korumak ve desteklemek ama\u00e7lanmaktad\u0131r.<\/p>\n

Almanya\u2019daki bak\u0131m sigortas\u0131 sisteminde hem bak\u0131ma muhta\u00e7 ki\u015filere hem de onlar\u0131n bak\u0131m\u0131n\u0131 \u00fcstlenen aile \u00fcyelerine farkl\u0131 t\u00fcrde destekler sa\u011flan\u0131yor.<\/p>\n

Bak\u0131m paras\u0131, bak\u0131ma muhta\u00e7 ki\u015filerin bak\u0131m\u0131n\u0131 \u00fcstlenen aile \u00fcyelerine veya g\u00f6n\u00fcll\u00fc bak\u0131c\u0131lara de\u011fil, bak\u0131lan ki\u015fiye verilen nakdi bir yard\u0131md\u0131r. Bu para, bak\u0131m hizmetlerinin evde sa\u011flanmas\u0131 durumunda \u00f6denmektedir. Bak\u0131m paras\u0131, bak\u0131m derecesine g\u00f6re de\u011fi\u015fmektedir ve bak\u0131lan ki\u015fi bak\u0131m paras\u0131n\u0131 bak\u0131c\u0131n\u0131n emeklerinin kar\u015f\u0131lanmas\u0131 amac\u0131yla kullanmaktad\u0131r.<\/p>\n

Profesyonel bak\u0131m hizmetleri, bak\u0131ma muhta\u00e7 ki\u015filere sunulan do\u011frudan hizmetlerdir. Bu hizmetler, profesyonel bak\u0131m personeli taraf\u0131ndan sa\u011flanmaktad\u0131r ve bak\u0131m sigortas\u0131 taraf\u0131ndan finanse edilmektedir. Evde bak\u0131m hizmetleri veya bak\u0131m evlerinde sunulan hizmetleri kapsamaktad\u0131r.<\/p>\n

Bak\u0131m paras\u0131 ve bak\u0131m hizmetlerinin bir kombinasyonu olarak sunulan \u201ckombine hizmetler\u201d, bak\u0131ma muhta\u00e7 ki\u015finin hem aile \u00fcyeleri hem de profesyonel bak\u0131m personeli taraf\u0131ndan sa\u011flanan bak\u0131md\u0131r. Bu durumda, bak\u0131m sigortas\u0131 hem nakdi yard\u0131mlar hem de hizmet yard\u0131mlar\u0131 sa\u011flamaktad\u0131r.<\/p>\n

K\u0131sa s\u00fcreli bak\u0131m, bak\u0131c\u0131n\u0131n hastalanmas\u0131 veya izin almas\u0131 durumunda bak\u0131ma muhta\u00e7 ki\u015finin bak\u0131m\u0131n\u0131n devam etmesi i\u00e7in sa\u011flanmaktad\u0131r. G\u00fcnd\u00fcz bak\u0131m\u0131 ise bak\u0131ma muhta\u00e7 ki\u015finin g\u00fcn i\u00e7inde bak\u0131m merkezlerinde bak\u0131m almas\u0131n\u0131 sa\u011flar ve ak\u015famlar\u0131 evine d\u00f6ner.<\/p>\n

Bak\u0131m sigortas\u0131, bak\u0131ma muhta\u00e7 ki\u015filerin evde bak\u0131m\u0131n\u0131n y\u00fck\u00fcn\u00fc hafifletmek amac\u0131yla ayl\u0131k belirli bir miktar para verir. Bu, bak\u0131m hizmetleri veya destekleyici hizmetler i\u00e7in kullan\u0131l\u0131r.<\/p>\n

Aile \u00fcyeleri veya g\u00f6n\u00fcll\u00fc bak\u0131c\u0131lar, belirli ko\u015fullar alt\u0131nda sosyal g\u00fcvenlik primlerinden muaf tutulur veya sigortal\u0131 hale getirilirler. Bu, emeklilik, sa\u011fl\u0131k sigortas\u0131 ve i\u015fsizlik sigortas\u0131 gibi sosyal g\u00fcvenlik haklar\u0131na eri\u015fimi sa\u011flar.\u201d<\/p>\n

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<\/img> <\/div>\n<\/p><\/div>\n<\/p>\n

Osnabr\u00fcck \u00dcniversitesi Vetcha Fak\u00fcltesi Gerontoloji B\u00f6l\u00fcm\u00fc\u2019n\u00fc bitiren ve uzun y\u0131llar Almanya\u2019da ya\u015fayan Prof. Dr. \u0130smail Tufan (sa\u011fda), 2006\u2019da Akdeniz \u00dcniversitesi b\u00fcnyesinde T\u00fcrkiye\u2019nin ilk gerontoloji b\u00f6l\u00fcm\u00fcn\u00fc, daha sonra da T\u00fcrkiye\u2019de ya\u015fam boyu e\u011fitimi destekleyen ilk \u00fc\u00e7\u00fcnc\u00fc ya\u015f \u00fcniversite modeli 60+ Tazelenme \u00dcniversitesi\u2019ni kurdu.<\/strong><\/em><\/p>\n

Hem devlete hem bireye ekonomik fayda sa\u011flar<\/strong><\/p>\n

Bak\u0131m sigortas\u0131n\u0131n ekonomik faydalar\u0131, hem bireylere hem de devlete avantaj sunar. Bireyler a\u00e7\u0131s\u0131ndan, sigorta, uzun vadede b\u00fcy\u00fck maliyetler gerektiren bak\u0131m hizmetlerini kar\u015f\u0131layarak ekonomik g\u00fcvence sa\u011flar. Bu, \u00f6zellikle d\u00fc\u015f\u00fck ve orta gelirli aileler i\u00e7in b\u00fcy\u00fck bir rahatlamad\u0131r ve onlar\u0131n finansal istikrar\u0131n\u0131 korur. Devlet a\u00e7\u0131s\u0131ndan ise bak\u0131m sigortas\u0131, sa\u011fl\u0131k ve sosyal g\u00fcvenlik harcamalar\u0131n\u0131n s\u00fcrd\u00fcr\u00fclebilirli\u011fini art\u0131r\u0131r. \u00d6zellikle ya\u015fl\u0131l\u0131k d\u00f6neminde artan sa\u011fl\u0131k harcamalar\u0131, devlet b\u00fct\u00e7esinde bir y\u00fck olu\u015fturur. Bak\u0131m sigortas\u0131, bu harcamalar\u0131n \u00f6zel sigorta sistemi \u00fczerinden kar\u015f\u0131lanmas\u0131n\u0131 sa\u011flayarak, devletin mali y\u00fck\u00fcn\u00fc hafifletir. Ayn\u0131 zamanda, sigorta primlerinden elde edilen gelirler, ekonomik d\u00f6ng\u00fcye katk\u0131 sa\u011flar ve genel ekonomik istikrar\u0131 destekler.<\/p>\n

B\u0130TT\u0130<\/strong><\/p>\n

\u00a0<\/p>\n

\u00a0<\/p>\n

\u00a0<\/p>\n

\u00a0<\/p>\n

\u00a0<\/p>\n\n

<\/p>\n

Kaynak :\u00a0http:\/\/www.milliyet.com.tr\/ekonomi\/bakim-sigortasi-yuku-hafifletir-7144960<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

\u00c7al\u0131\u015fanlar\u0131n i\u015fverenlerle birlikte kar\u015f\u0131layaca\u011f\u0131 bak\u0131m sigortas\u0131, sadece ya\u015fl\u0131lara de\u011fil, bak\u0131ma ihtiya\u00e7 duyan herkese destek olarak ailelerin y\u00fck\u00fcn\u00fc hafifletir.<\/p>\n","protected":false},"author":1,"featured_media":76298,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[250,4508,4509,610,1337],"class_list":["post-76297","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bakim","tag-bakima-muhtac","tag-ekonomik","tag-hizmet","tag-sigorta"],"_links":{"self":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/76297","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=76297"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/76297\/revisions"}],"predecessor-version":[{"id":76301,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/76297\/revisions\/76301"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media\/76298"}],"wp:attachment":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media?parent=76297"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/categories?post=76297"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/tags?post=76297"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}