{"id":3623,"date":"2026-03-10T13:14:10","date_gmt":"2026-03-10T12:14:10","guid":{"rendered":"https:\/\/insurancevisa.com\/nieskategoryzowane\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\/"},"modified":"2026-09-30T03:57:00","modified_gmt":"2026-09-30T01:57:00","slug":"konaklama-sonunda-sigorta-masraflarinin-geri-odenmesi","status":"publish","type":"post","link":"https:\/\/insurancevisa.com\/tr\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\/","title":{"rendered":"Konaklama sonunda sigorta masraflar\u0131n\u0131n geri \u00f6denmesi"},"content":{"rendered":"<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Kal\u0131\u015f\u0131n\u0131z\u0131n sonunda geri d\u00f6n\u00fcn: en s\u0131k ne hakk\u0131nda soru soruyorsunuz<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Yurtd\u0131\u015f\u0131nda veya Polonya'da ge\u00e7irilen bir s\u00fcrenin sonunda genellikle tek bir soru sorulur <strong>sigorta masraflar\u0131n\u0131n geri \u00f6denmesi<\/strong> kullan\u0131lmayan teminat s\u00fcresi i\u00e7in. Cevap bazen evettir, ancak bu poli\u00e7e t\u00fcr\u00fcne, primin nas\u0131l \u00f6dendi\u011fine ve T&amp;Cs (Genel Sigorta Ko\u015fullar\u0131) h\u00fck\u00fcmlerine ba\u011fl\u0131d\u0131r. Farkl\u0131 g\u00f6r\u00fcn\u00fcyor <strong>prim iadesi<\/strong> S\u00f6zle\u015fmenin feshi \u00fczerine, seyahat poli\u00e7esi durumunda farkl\u0131 \u00f6deme ve \u201eikamet kart\u0131 kapsam\u0131nda\u201d sat\u0131n al\u0131nan sigorta durumunda yine farkl\u0131 \u00f6deme.<\/p>\n<p>Bu k\u0131lavuzda ne zaman a\u015fa\u011f\u0131dakileri yapman\u0131n uygun oldu\u011funu a\u00e7\u0131kl\u0131yorum <strong>poli\u0307\u00e7e mali\u0307yetleri\u0307ni\u0307n geri\u0307 kazanimi<\/strong>, nas\u0131l \u00e7al\u0131\u015f\u0131r <strong>poli\u0307\u00e7eni\u0307n i\u0307ptali\u0307<\/strong>, Genellikle hangi belgelere ihtiya\u00e7 duyulur ve s\u00fcreci uzatan hatalardan nas\u0131l ka\u00e7\u0131n\u0131l\u0131r. Belgeleri tamamlama a\u015famas\u0131ndaysan\u0131z, ayr\u0131ca bkz. <a href=\"https:\/\/insurancevisa.com\/tr\/rehber\/vize-ve-oturma-izni-icin-gerekli-sigorta\/2025-oturma-karti-icin-sigorta-gereklilikleri\/\">ikamet kart\u0131 i\u00e7in sigorta gereklilikleri<\/a>, \u00c7\u00fcnk\u00fc her de\u011fi\u015fiklik ve her fesih ofis i\u00e7in tarafs\u0131z de\u011fildir.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Katk\u0131 pay\u0131 iadesi ne zaman m\u00fcmk\u00fcnd\u00fcr?<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>Prim geri \u00f6demesi<\/strong> Konaklama sonunda genellikle sigorta s\u00f6zle\u015fmesinin planlanandan daha erken sona erdi\u011fi durumlar\u0131 ifade eder (\u00f6rne\u011fin, ayr\u0131lma, konaklama temelinin kayb\u0131, stat\u00fc de\u011fi\u015fikli\u011fi). Uygulamada, sigortac\u0131lar \u00e7e\u015fitli \u00f6deme modelleri kullan\u0131rlar ve bir geri \u00f6demenin ger\u00e7ekle\u015fip ger\u00e7ekle\u015fmeyece\u011fine karar vermek kendilerine ba\u011fl\u0131d\u0131r.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">1) Ayl\u0131k veya taksitler halinde \u00f6denebilir prim<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Priminizi ayl\u0131k veya taksitli olarak \u00f6d\u00fcyorsan\u0131z, \u201eiade\u201d bazen en az sorunlu olan\u0131d\u0131r, \u00e7\u00fcnk\u00fc sonraki d\u00f6nemleri \u00f6demeyi b\u0131rak\u0131rs\u0131n\u0131z. Bir\u00e7ok \u00fcr\u00fcnde bulunan T&amp;C'lerden \u00f6nemli bir ayr\u0131nt\u0131: <strong>i\u0307ptal her zaman yapilabi\u0307li\u0307r<\/strong>, ancak sigortac\u0131n\u0131n sorumlulu\u011fu genellikle sona erer <strong>katk\u0131 pay\u0131n\u0131n \u00f6dendi\u011fi d\u00f6nemin sonunda<\/strong>. Bu, bug\u00fcn g\u00f6nderilen bir iptalin her zaman cari ay\u0131n \u00fccretinin otomatik olarak \u201egeri al\u0131nmas\u0131yla\u201d sonu\u00e7lanmayaca\u011f\u0131 anlam\u0131na gelir.<\/p>\n<p>Bu modelde \u00f6nemli olan, sigortac\u0131n\u0131n kurallar\u0131na uygun olarak (yaz\u0131l\u0131 olarak veya izin veriliyorsa e-posta yoluyla) bildirimde bulunmak ve ard\u0131ndan kabul onay\u0131n\u0131 sa\u011flamakt\u0131r. Plan\u0131n\u0131z\u0131 iptal etmek yerine de\u011fi\u015ftirmeyi d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z, bu k\u0131lavuzu faydal\u0131 bulabilirsiniz <a href=\"https:\/\/insurancevisa.com\/tr\/rehber\/yabancilarin-en-sik-sordugu-sorular-ve-sorunlari\/staying-in-the-country-can-i-change-my-insurance-to-a-different-plan\/\">Staying in the country, can I change my insurance?<\/a>.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">2) Uzun bir d\u00f6nem i\u00e7in pe\u015fin \u00f6denmi\u015f katk\u0131 pay\u0131<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Primin tek seferde \u00f6denmesi halinde (\u00f6rne\u011fin 6 veya 12 ay i\u00e7in), \u201egeri \u00f6deme yap\u0131l\u0131p yap\u0131lmayaca\u011f\u0131\u201d konusu T&amp;Cs h\u00fck\u00fcmlerine g\u00f6re belirlenir. Feshin, teminat\u0131n sa\u011fland\u0131\u011f\u0131 d\u00f6nem i\u00e7in prim \u00f6demekten muaf tutmad\u0131\u011f\u0131 kural\u0131na s\u0131k\u00e7a rastlanmaktad\u0131r. Ba\u015fka bir deyi\u015fle: geri \u00f6deme en fazla <strong>kullan\u0131lmayan d\u00f6nem<\/strong>, ve her zaman g\u00fcn baz\u0131nda de\u011fil (asgari \u00f6deme s\u00fcreleri veya i\u015flem \u00fccretleri olabilir).<\/p>\n<p>Geri \u00f6deme olas\u0131l\u0131\u011f\u0131, olaylar\u0131n ve \u00f6demelerin teminat s\u0131ras\u0131nda ger\u00e7ekle\u015fip ger\u00e7ekle\u015fmedi\u011finden de etkilenebilir. Sigortac\u0131 masraflar\u0131 \u00fcstlenmi\u015fse (\u00f6rne\u011fin t\u0131bbi tedaviyi geri \u00f6demi\u015fse), primi geri \u00f6demeyi reddedebilir veya farkl\u0131 bir \u015fekilde \u00f6deyebilir. Bu nedenle, bir geri \u00f6deme i\u00e7in ba\u015fvurmadan \u00f6nce, bekleyen a\u00e7\u0131k talepleriniz veya geri \u00f6demeleriniz olup olmad\u0131\u011f\u0131n\u0131 belirleyin.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 \u0130pucu<\/h4>\n<p class=\"kt-blocks-info-box-text\">Poli\u00e7e bir yetki (vize, oturum kart\u0131) kapsam\u0131nda sat\u0131n al\u0131nm\u0131\u015fsa, teminat\u0131n devaml\u0131l\u0131\u011f\u0131na ili\u015fkin ba\u015fka bir onay almadan \u00f6nce poli\u00e7eyi \u201egeriye d\u00f6n\u00fck\u201d olarak feshetmeyin. Ayr\u0131ca bak\u0131n\u0131z <a href=\"https:\/\/insurancevisa.com\/tr\/rehber\/vize-ve-oturma-izni-icin-gerekli-sigorta\/vize-icin-sigorta-secimi-10-tuzak\/\">vi\u0307ze si\u0307gortasinda en sik yapilan hatalar<\/a>.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Kal\u0131\u015f\u0131n sona ermesi ve poli\u00e7e t\u00fcr\u00fc<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>\u015eifre \u201e<strong>konaklaman\u0131n sona ermesi sigorta<\/strong>\u201d bazen iki \u015fekilde anla\u015f\u0131lmaktad\u0131r: fiili konaklaman\u0131n sona ermesi (ayr\u0131l\u0131\u015f) veya s\u00f6zle\u015fmenin sona ermesi (koruman\u0131n sona ermesi). \u00dcr\u00fcne ba\u011fl\u0131 olarak, ayr\u0131l\u0131\u015f korumay\u0131 otomatik olarak sonland\u0131rabilir veya \u00fczerinde hi\u00e7bir etkisi olmayabilir.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">Seyahat politikas\u0131: korumaya kar\u015f\u0131 iade<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Seyahat sigortas\u0131nda, di\u011fer \u015feylerin yan\u0131 s\u0131ra, planlanan teminat bitiminden \u00f6nce ikamet etti\u011finiz \u00fclkeye d\u00f6nmeniz halinde s\u00f6zle\u015fmenin sona erece\u011fine dair bir h\u00fck\u00fcm bulmak yayg\u0131nd\u0131r. Bu, teminat\u0131n\u0131z\u0131 sonland\u0131rman\u0131z\u0131 kolayla\u015ft\u0131rabilir, ancak priminizin otomatik olarak iade edilece\u011fi anlam\u0131na gelmez. Geri \u00f6deme, belirli T&amp;C'ye ve hasar\u0131 bildirip bildirmedi\u011finize ba\u011fl\u0131d\u0131r.<\/p>\n<p>\u00d6nemli: Konaklama \u00e7oktan sona ermi\u015f olsa bile, yard\u0131mlar\u0131n bir k\u0131sm\u0131 faturaland\u0131r\u0131labilir <strong>etkinlikten sonra<\/strong> (\u00f6rne\u011fin, hastanede kal\u0131\u015f s\u00fcresinin sonunda bir yard\u0131m\u0131n \u00f6denmesi). Benzer \u015fekilde, t\u0131bbi geri \u00f6demeler genellikle makbuz ve \u00f6deme kan\u0131t\u0131 gerektirir ve karar d\u00f6n\u00fc\u015f\u00fcn\u00fczden sonra verilebilir.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">Vize veya oturum kart\u0131 kapsam\u0131nda poli\u00e7e<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Bir yetkilinin \u201eprosed\u00fcr\u00fc alt\u0131nda\u201d sat\u0131n al\u0131nan poli\u00e7elerde en \u00f6nemli \u015fey <strong>koruman\u0131n s\u00fcreklili\u011fi<\/strong> Belgelerinizde beyan etti\u011finiz s\u00fcre boyunca. Kal\u0131\u015f\u0131n\u0131z daha erken sona ererse, bildirimde bulunmay\u0131 d\u00fc\u015f\u00fcnebilirsiniz, ancak i\u015flemler s\u0131ras\u0131nda koruman\u0131n beyan edilen s\u00fcrenin tamam\u0131n\u0131 kapsamad\u0131\u011f\u0131 ortaya \u00e7\u0131karsa, ofisin a\u00e7\u0131klama isteyebilece\u011fini unutmay\u0131n.<\/p>\n<p>\u0130ptal etmek yerine poli\u00e7eyi yeni duruma uyarlamak istiyorsan\u0131z (\u00f6rn. farkl\u0131 plan, farkl\u0131 d\u00f6nem), genellikle a\u015fa\u011f\u0131dakileri yapmak daha g\u00fcvenlidir <a href=\"https:\/\/insurancevisa.com\/tr\/rehber\/yabancilarin-en-sik-sordugu-sorular-ve-sorunlari\/sigorta-degisikligi-konaklama-sirasinda-yeni-plan\/\">sigorta de\u011fi\u015fikli\u011fi konaklama s\u0131ras\u0131nda<\/a> B plan\u0131 olmadan korumay\u0131 \u201ekesmekten\u201d daha iyidir.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Para iadesi nas\u0131l al\u0131n\u0131r: ad\u0131m ad\u0131m prosed\u00fcr<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>E\u011fer hedefiniz <strong>poli\u0307\u00e7e mali\u0307yetleri\u0307ni\u0307n geri\u0307 kazanimi<\/strong> (kullan\u0131lmayan primin iadesi), iki \u015feyle ba\u015flay\u0131n: (1) T&amp;C'lerin orant\u0131l\u0131 \u00f6demeye izin verip vermedi\u011fini kontrol edin, (2) sigortac\u0131n\u0131n hangi tarihten itibaren sorumlulu\u011fun sona erdi\u011fini kabul edece\u011finden emin olun. Bir\u00e7ok \u00fcr\u00fcnde bu, mektubun tarihi de\u011fil, \u00f6denen s\u00fcrenin sonu olacakt\u0131r.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-iconlist\">\n<ul class=\"kt-svg-icon-list\">\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>T&amp;C'leri ve politikay\u0131 kontrol edin:<\/strong> \u201ecayma\u201d, \u201efesi\u0307h\u201d, \u201es\u00f6zle\u015fme feshi\u0307\u201d ve pri\u0307m uzla\u015fmasi b\u00f6l\u00fcmleri\u0307ne di\u0307kkat edi\u0307ni\u0307z.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Bir a\u00e7\u0131klama haz\u0131rlay\u0131n:<\/strong> poli\u00e7e numaran\u0131z\u0131, detaylar\u0131n\u0131z\u0131, biti\u015f tarihinizi belirtin ve kullan\u0131lmayan d\u00f6nem i\u00e7in prim iadesi talep edin.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Belgeleri ekleyin:<\/strong> ayr\u0131l\u0131\u015f kan\u0131t\u0131 (\u00f6rne\u011fin biletler), kira\/i\u015f s\u00f6zle\u015fmesinin kapan\u0131\u015f onay\u0131 ve geri \u00f6deme i\u00e7in hesap bilgileri.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Do\u011fru kanaldan g\u00f6nderin:<\/strong> T&amp;C'lere uygun olarak e-posta veya mektup. Al\u0131nd\u0131\u011f\u0131na dair onay isteyin.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Yerle\u015fimi sa\u011flay\u0131n:<\/strong> Sigortac\u0131 ek bilgi isterse, hemen tamamlay\u0131n.<\/span><\/li>\n<\/ul><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">Ayr\u0131ld\u0131ktan sonra t\u0131bbi masraflar\u0131n geri \u00f6denmesi ne olacak?<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Not: \u201eGeri \u00f6deme\u201d bazen t\u0131bbi geri \u00f6deme ile kar\u0131\u015ft\u0131r\u0131lmaktad\u0131r. Geri \u00f6deme, primleri de\u011fil t\u0131bbi faturalar\u0131 ifade eder. Bir\u00e7ok T&amp;C'de, t\u0131bbi masraflar\u0131n geri \u00f6denmesi a\u015fa\u011f\u0131dakilere dayanmaktad\u0131r <strong>adland\u0131r\u0131lm\u0131\u015f faturalar\/faturalar ve \u00f6deme belgesi<\/strong>. Bazen ek fatura verileri gerekir (\u00f6rne\u011fin hasta verileri, hizmet tarihi, te\u015fhis).<\/p>\n<p>Tedavi paras\u0131n\u0131 (prim yerine) geri almak istiyorsan\u0131z, yard\u0131m\u0131n poli\u00e7e kapsam\u0131nda oldu\u011fundan emin olun. Yard\u0131mc\u0131 ba\u011flam i\u00e7in \u015fu makaleye bak\u0131n <a href=\"https:\/\/insurancevisa.com\/tr\/rehber\/yabancilarin-en-sik-sordugu-sorular-ve-sorunlari\/yabancilarin-hastane-tedavisi-sigortasi-kapsami\/\">hastane tedavisi alan\u0131nda<\/a>, \u00e7\u00fcnk\u00fc bu genellikle neyin hangi ko\u015fullar alt\u0131nda geri \u00f6denece\u011fini belirler.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 \u0130pucu<\/h4>\n<p class=\"kt-blocks-info-box-text\">\u0130ptal mektubunda iki \u015fey birbirinden ayr\u0131l\u0131r: (1) s\u00f6zle\u015fmenin feshi\/feshi ve prim iadesi, (2) faturalara dayal\u0131 olarak sa\u011fl\u0131k masraflar\u0131n\u0131n geri \u00f6denmesi i\u00e7in olas\u0131 talepler. Bu, i\u015flemleri h\u0131zland\u0131r\u0131r.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Sonu\u00e7: getiri ger\u00e7ek oldu\u011funda<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>Kal\u0131\u015f\u0131m\u0131n sonunda sigorta masraflar\u0131n\u0131n geri \u00f6denmesi m\u00fcmk\u00fcn m\u00fc?<\/strong> Evet, ancak genellikle T&amp;Cs kullan\u0131lmayan d\u00f6nem i\u00e7in primin \u00f6denmesine izin verdi\u011finde ve bildirim do\u011fru yap\u0131ld\u0131\u011f\u0131nda. Ayl\u0131k primlerde genellikle \u00f6denmi\u015f olan s\u00fcreyi geri almazs\u0131n\u0131z, sadece sonraki d\u00f6nem i\u00e7in \u00f6deme yapmazs\u0131n\u0131z. \u00d6n \u00f6demeli bir prim s\u00f6z konusu oldu\u011funda, geri kazan\u0131m uzla\u015ft\u0131rma kurallar\u0131na ve hasar ge\u00e7mi\u015fine ba\u011fl\u0131d\u0131r.<\/p>\n<p>Bir vize veya oturum kart\u0131 i\u00e7in poli\u00e7eye ihtiyac\u0131n\u0131z varsa, bir vize ba\u015fvurusu yapmadan \u00f6nce teminat ve belgelerin s\u00fcreklili\u011fini sa\u011flay\u0131n. <strong>poli\u0307\u00e7eni\u0307n i\u0307ptali\u0307<\/strong>. Amac\u0131n\u0131z seyahatinizden sonra t\u0131bbi masraflar i\u00e7in geri \u00f6deme almaksa, faturalar\u0131 ve \u00f6deme kan\u0131tlar\u0131n\u0131 toplay\u0131n. \u0130sterseniz, insurancevisa.com ile ileti\u015fime ge\u00e7in ve evrak i\u015flerini zorla\u015ft\u0131rmayan bir \u00e7\u00f6z\u00fcm se\u00e7menize yard\u0131mc\u0131 olmalar\u0131n\u0131 isteyin.<\/p>\n<\/p><\/div>\n<\/p><\/div>","protected":false},"excerpt":{"rendered":"<p>Konaklama sonras\u0131 d\u00f6n\u00fc\u015fler: en yayg\u0131n sorular nelerdir Yurtd\u0131\u015f\u0131nda veya Polonya'da kal\u0131\u015f\u0131n\u0131z\u0131 bitirmek genellikle tek bir soru anlam\u0131na gelir:...<\/p>","protected":false},"author":2,"featured_media":3622,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[42],"tags":[55,52,63,58,54],"class_list":["post-3623","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-wymagane-do-wizy-i-karty-pobytu","tag-cudzoziemcy-w-polsce","tag-koszt-ubezpieczenia","tag-owu","tag-ubezpieczenie-dla-cudzoziemca","tag-ubezpieczenie-zdrowotne"],"acf":[],"yoast_head":"<!-- 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