{"id":3757,"date":"2026-06-26T10:43:39","date_gmt":"2026-06-26T08:43:39","guid":{"rendered":"https:\/\/insurancevisa.com\/nieskategoryzowane\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\/"},"modified":"2026-09-30T05:26:02","modified_gmt":"2026-09-30T03:26:02","slug":"police-gecerli-degilse-nasil-sikayette-bulunulur","status":"publish","type":"post","link":"https:\/\/insurancevisa.com\/tr\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\/","title":{"rendered":"Sigorta poli\u00e7esi ge\u00e7erli de\u011filse nas\u0131l \u015fikayette bulunulur?"},"content":{"rendered":"<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>Poli\u00e7e \u015eikayeti<\/strong> Bu, poli\u00e7e s\u00f6zle\u015fmeye uygun \u015fekilde i\u015flemeyince ya da tazminat \u00f6demesi reddedildi\u011finde, sigorta \u015firketinin faaliyetlerine y\u00f6nelik resmi bir itiraz bildirimidir. Poli\u00e7enizle ilgili bir sorun ya\u015f\u0131yorsan\u0131z, sadece telefonla g\u00f6r\u00fc\u015fmekle yetinmemelisiniz. En iyisi, hemen belgeleri toplamak, durumu a\u00e7\u0131klamak ve \u015fikayetinizi, ba\u015fvurunun kan\u0131t\u0131 olarak saklanabilecek \u015fekilde sunmakt\u0131r. Bu makalede, poli\u00e7e ge\u00e7erli olmad\u0131\u011f\u0131nda nas\u0131l \u015fikayette bulunulaca\u011f\u0131n\u0131, sa\u011fl\u0131k sigortas\u0131 \u015fikayetinin neleri i\u00e7ermesi gerekti\u011fini, cevap s\u00fcrelerinin ne oldu\u011funu ve sigorta \u015firketi talebi h\u00e2l\u00e2 reddederse ne yap\u0131lmas\u0131 gerekti\u011fini a\u00e7\u0131kl\u0131yoruz.<\/p>\n<\/div>\n<nav class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\" aria-label=\"\u0130\u00e7indekiler tablosu\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\u0130\u00e7indekiler tablosu<\/h4>\n<ol>\n<li><a href=\"#czym-jest-reklamacja\">Sigorta \u015fikayeti nedir?<\/a><\/li>\n<li><a href=\"#kiedy-polisa-nie-dziala\">Bir poli\u00e7enin ge\u00e7erli olmad\u0131\u011f\u0131 ne zaman kabul edilebilir?<\/a><\/li>\n<li><a href=\"#jak-zlozyc-reklamacje\">Etkili bir \u015fikayette bulunmak i\u00e7in ne yapmal\u0131?<\/a><\/li>\n<li><a href=\"#co-zrobic-po-odmowie\">Hizmet talebinin reddedilmesinden sonra ne yap\u0131lmal\u0131?<\/a><\/li>\n<li><a href=\"#faq\">S\u0131k\u00e7a sorulan sorular<\/a><\/li>\n<li><a href=\"#podsumowanie\">\u00d6zet<\/a><\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/nav>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"czym-jest-reklamacja\" class=\"kt-adv-heading\">Sigorta \u015fikayeti nedir?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Sa\u011fl\u0131k sigortas\u0131 \u015fikayeti, m\u00fc\u015fterinin hizmetin hatal\u0131 bir \u015fekilde sunuldu\u011funu veya karar\u0131n yanl\u0131\u015f oldu\u011funu belirtti\u011fi, sigorta \u015firketine yap\u0131lan resmi bir ba\u015fvurudur. Bu, tazminat \u00f6demesinin reddedilmesi, teminat kapsam\u0131n\u0131n yanl\u0131\u015f yorumlanmas\u0131, poli\u00e7enin etkinle\u015ftirilmesiyle ilgili sorunlar veya hasar bildiriminin yanl\u0131\u015f i\u015flenmesi gibi durumlar\u0131 kapsayabilir.<\/p>\n<p>Piyasa uygulamalar\u0131na g\u00f6re, \u015fikayette bulunma hakk\u0131 sadece sigorta yapt\u0131ran ki\u015fiye de\u011fil, \u00e7o\u011fu zaman sigortal\u0131ya veya s\u00f6zle\u015fmeden hak sahibi olan ki\u015fiye de aittir. \u015eikayet genellikle yaz\u0131l\u0131, elektronik ortamda veya s\u00f6zl\u00fc olarak tutana\u011fa ge\u00e7irilerek yap\u0131l\u0131r. \u015eikayet metninde, \u015fikayette bulunan ki\u015finin bilgileri, poli\u00e7e numaras\u0131 veya hasar numaras\u0131, \u015fikayet konusu ve kan\u0131tlarla desteklenen gerek\u00e7e belirtilmelidir.<\/p>\n<p>Yabanc\u0131lar i\u00e7in, formal bir sorunu fiili koruma eksikli\u011finden ay\u0131rt etmek de \u00f6nemlidir. Bazen poli\u00e7e ge\u00e7erli olsa da, sorumluluk istisnas\u0131 nedeniyle tazminat hakk\u0131 do\u011fmayabilir. Bu nedenle, \u00f6nceden Genel Sigorta Ko\u015fullar\u0131n\u0131 (OWU) okumak ve olay\u0131n koruma kapsam\u0131na girip girmedi\u011fini kontrol etmek faydal\u0131 olacakt\u0131r. Ayr\u0131ca \u015fu konuyla ilgili rehber de yard\u0131mc\u0131 olabilir: <a href=\"https:\/\/insurancevisa.com\/tr\/rehber\/yabancilarin-en-sik-sordugu-sorular-ve-sorunlari\/yabancilarin-hastane-tedavisi-sigortasi-kapsami\/\">hastane tedavisi alan\u0131nda<\/a>.<\/p>\n<\/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\">\u015eikayette bulunmadan \u00f6nce, poli\u00e7e numaras\u0131n\u0131, teminat s\u00fcresini, teminat kapsam\u0131n\u0131 ve Genel Sigorta Ko\u015fullar\u0131\u2019ndaki sorumluluk istisnalar\u0131n\u0131 kontrol edin. Bu sayede, yaln\u0131zca varsay\u0131mlara dayal\u0131 bir \u015fikayetten ka\u00e7\u0131nabilirsiniz.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"kiedy-polisa-nie-dziala\" class=\"kt-adv-heading\">Bir poli\u00e7enin ge\u00e7erli olmad\u0131\u011f\u0131 ne zaman kabul edilebilir?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Poli\u00e7eyle ilgili bir sorun her zaman ayn\u0131 anlama gelmez. Bazen poli\u00e7e do\u011fru \u015fekilde d\u00fczenlenmemi\u015ftir, bazen prim kayda ge\u00e7irilmemi\u015ftir, bazen de sigorta \u015firketi olay\u0131n teminat kapsam\u0131nda olmad\u0131\u011f\u0131n\u0131 kabul eder. Ancak m\u00fc\u015fteri a\u00e7\u0131s\u0131ndan sonu\u00e7 genellikle benzerdir: t\u0131bbi yard\u0131m alamama, geri \u00f6deme yap\u0131lmamas\u0131 ya da tazminat talebinin reddedilmesi.<\/p>\n<p>En s\u0131k kar\u015f\u0131la\u015f\u0131lan durumlar aras\u0131nda, sistemde poli\u00e7enin aktif hale getirilmemi\u015f olmas\u0131, tedavi masraflar\u0131n\u0131n kar\u015f\u0131lanmas\u0131n\u0131n reddedilmesi, teklif ile Genel Sigorta Ko\u015fullar\u0131 (OWU) aras\u0131nda uyu\u015fmazl\u0131k olmas\u0131 ve s\u00f6zde istisna nedeniyle tazminat talebinin reddedilmesi yer almaktad\u0131r. Yabanc\u0131lar i\u00e7in d\u00fczenlenen poli\u00e7elerde s\u0131k kar\u015f\u0131la\u015f\u0131lan bir di\u011fer sorun ise, hasar bildirimi i\u00e7in gerekli belgeler veya \u00f6nceden var olan hastal\u0131klar konusunda ya\u015fanan anla\u015fmazl\u0131klard\u0131r.<\/p>\n<p>\u015eikayetinizi g\u00f6ndermeden \u00f6nce, poli\u00e7e belgesini s\u00f6zle\u015fme \u015fartlar\u0131yla kar\u015f\u0131la\u015ft\u0131r\u0131n. Tedavinin acil mi yoksa planl\u0131 m\u0131 oldu\u011funu ve kronik hastal\u0131klar ya da sigorta kapsam\u0131n\u0131n ba\u015flang\u0131c\u0131ndan \u00f6nceki olaylarla ilgili herhangi bir k\u0131s\u0131tlama olup olmad\u0131\u011f\u0131n\u0131 kontrol edin. Sigorta kapsam\u0131n\u0131n temellerini daha iyi anlamak istiyorsan\u0131z, \u015fu metne de g\u00f6z at\u0131n: <a href=\"https:\/\/insurancevisa.com\/tr\/rehber\/polonyada-saglik-sigortasinin-temelleri\/student-health-insurance-in-poland-is-it-necessary\/\">sa\u011fl\u0131k sigortas\u0131 i\u00e7in gerek\u00e7eler<\/a>.<\/p>\n<h3>En s\u0131k g\u00f6r\u00fclen sorun belirtileri<\/h3>\n<\/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>Geri \u00f6deme talebinin reddedilmesi:<\/strong> Faturalar ibraz edilmesine ra\u011fmen sigorta \u015firketi masraflar\u0131 geri \u00f6demiyor.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Yetki yok:<\/strong> Sa\u011fl\u0131k kurulu\u015fu, aktif koruman\u0131n mevcut oldu\u011funu teyit edemiyor.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Belgeler aras\u0131ndaki tutars\u0131zl\u0131k:<\/strong> Poli\u00e7e, Genel Sigorta Ko\u015fullar\u0131\u2019ndan veya sertifikadan farkl\u0131 bir teminat kapsam\u0131 vaat etmektedir.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Yan\u0131t yok:<\/strong> Sigorta \u015firketi, hasar bildirimine yan\u0131t vermiyor.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Belirsiz gerek\u00e7e:<\/strong> Reddedilme karar\u0131, reddedilme gerek\u00e7esini tam olarak a\u00e7\u0131klamamaktad\u0131r.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jak-zlozyc-reklamacje\" class=\"kt-adv-heading\">Etkili bir \u015fikayette bulunmak i\u00e7in ne yapmal\u0131?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Sigorta poli\u00e7eniz ge\u00e7erli olmad\u0131\u011f\u0131nda nas\u0131l \u015fikayette bulunaca\u011f\u0131n\u0131z\u0131 merak ediyorsan\u0131z, \u00f6ncelikle kan\u0131tlar\u0131 toplamaya ba\u015flay\u0131n. Poli\u00e7e numaran\u0131z\u0131, olay tarihini, red karar\u0131n\u0131, faturalar\u0131, e-posta yaz\u0131\u015fmalar\u0131n\u0131, g\u00f6r\u00fc\u015fme kay\u0131tlar\u0131n\u0131 ve t\u0131bbi belgeleri haz\u0131rlay\u0131n. Durumu ne kadar ayr\u0131nt\u0131l\u0131 bir \u015fekilde anlat\u0131rsan\u0131z, sigorta \u015firketinin genel ge\u00e7er bir cevap vermesi o kadar zorla\u015f\u0131r.<\/p>\n<p>\u015eikayetinizi en iyi \u015fekilde yaz\u0131l\u0131 olarak veya g\u00f6nderim onay\u0131 ile elektronik ortamda iletebilirsiniz. Yaz\u0131n\u0131zda sorunun neyle ilgili oldu\u011funu, karar\u0131 neden hatal\u0131 buldu\u011funuzu, s\u00f6zle\u015fmenin veya Genel \u015eartlar\u2019\u0131n hangi h\u00fck\u00fcmlerine at\u0131fta bulundu\u011funuzu ve ne bekledi\u011finizi belirtin. Konunun yeniden incelenmesini, tazminat\u0131n \u00f6denmesini, masraflar\u0131n iadesini veya reddedilme gerek\u00e7elerinin yaz\u0131l\u0131 olarak a\u00e7\u0131klanmas\u0131n\u0131 talep edebilirsiniz.<\/p>\n<p>Bir\u00e7ok Genel \u015eartlar ve Ko\u015fullar\u2019da, \u015fikayetin al\u0131nmas\u0131ndan itibaren 30 g\u00fcn i\u00e7inde yan\u0131t verilmesi \u015fart\u0131 yer almaktad\u0131r. \u00d6zellikle karma\u015f\u0131k durumlarda bu s\u00fcre 60 g\u00fcne kadar uzat\u0131labilir, ancak sigorta \u015firketi gecikmenin nedenini bildirmelidir. \u015eikayetin bir kopyas\u0131n\u0131 ve g\u00f6nderim onay\u0131n\u0131 saklaman\u0131z da yararl\u0131 olacakt\u0131r. Anla\u015fmazl\u0131\u011f\u0131n \u00e7\u00f6z\u00fclmesinden sonra sigorta kapsam\u0131n\u0131z\u0131 de\u011fi\u015ftirmeyi d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z, \u015fu makaleyi okuyun: <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\/\">sigorta de\u011fi\u015fikli\u011fi konaklama s\u0131ras\u0131nda<\/a>.<\/p>\n<h3>\u015eikayette neler bulunmal\u0131d\u0131r?<\/h3>\n<\/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>M\u00fc\u015fteri bilgileri:<\/strong> ad, soyad, adres, telefon numaras\u0131 ve e-posta adresi.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Poli\u00e7e numaras\u0131:<\/strong> ya da hasar veya dosya numaras\u0131.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Sorunun a\u00e7\u0131klamas\u0131:<\/strong> Olay\u0131n k\u0131sa ve \u00f6zl\u00fc \u00f6zeti.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Gerek\u00e7e:<\/strong> karar\u0131n neden hatal\u0131 oldu\u011funun belirtilmesi.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Kan\u0131tlar:<\/strong> faturalar, t\u0131bbi belgeler, yaz\u0131\u015fmalar ve ekran g\u00f6r\u00fcnt\u00fcleri.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Talep:<\/strong> \u015fikayetin incelenmesinin ard\u0131ndan ne bekliyorsunuz?.<\/span><\/li>\n<\/ul>\n<\/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\">Somut bilgiler i\u00e7ermeyen, duygusal bir mektup yazmay\u0131n. En etkili \u015fikayet, ger\u00e7eklere, tarihlere, belge numaralar\u0131na ve Genel \u015eartlar\u2019dan veya red karar\u0131ndan al\u0131nt\u0131lara dayan\u0131r.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"co-zrobic-po-odmowie\" class=\"kt-adv-heading\">Hizmet talebinin reddedilmesinden sonra ne yap\u0131lmal\u0131?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Hizmetin reddedilmesi durumunda ne yapmal\u0131? \u00d6ncelikle karar\u0131n gerek\u00e7esini dikkatlice okuyun. Sigorta \u015firketinin Genel Sigorta \u015eartlar\u0131\u2019n\u0131n belirli bir maddesine, eksik belgelere, sorumluluk muafiyetine ya da olay\u0131n teminat kapsam\u0131yla ilgisizli\u011fine at\u0131fta bulunup bulunmad\u0131\u011f\u0131n\u0131 kontrol edin. Gerek\u00e7e eksikse, yaz\u0131l\u0131 olarak daha ayr\u0131nt\u0131l\u0131 bir a\u00e7\u0131klama talep edin.<\/p>\n<p>\u015eikayetinize verilen yan\u0131t h\u00e2l\u00e2 olumsuzsa, sonraki ad\u0131mlara ge\u00e7ebilirsiniz. Uygulamada bunlar, Finans Ombudsman\u0131na ba\u015fvurmak, uzla\u015fma yoluna gitmek veya sigorta \u015firketi hakk\u0131nda yetkili kurumlara \u015fikayette bulunmakt\u0131r. Duruma ba\u011fl\u0131 olarak, hak talebinizi mahkeme yoluyla da takip etmeniz m\u00fcmk\u00fcnd\u00fcr. Finansal Denetim Komisyonu piyasa denetimini y\u00fcr\u00fct\u00fcrken, Finans Ombudsman\u0131 ise m\u00fc\u015fteri ile finans piyasas\u0131 kurulu\u015fu aras\u0131ndaki anla\u015fmazl\u0131klarda yard\u0131mc\u0131 olur.<\/p>\n<p>\u015eikayet, itiraz ve itiraz dilek\u00e7esinin her zaman ayn\u0131 anlama gelmedi\u011fini unutmamak gerekir. \u015eikayet, bir hizmet veya karara y\u00f6nelik itirazlar\u0131 ifade eder. Sigorta \u015firketine y\u00f6nelik bir \u015fikayet ise, \u015firketin genel i\u015fleyi\u015f bi\u00e7imini ilgilendirebilir. Anla\u015fmazl\u0131\u011f\u0131n ard\u0131ndan ba\u015fka ad\u0131mlar atmay\u0131 planl\u0131yorsan\u0131z, \u015fu makale de size yard\u0131mc\u0131 olabilir: <a href=\"https:\/\/insurancevisa.com\/tr\/rehber\/yabancilarin-en-sik-sordugu-sorular-ve-sorunlari\/sigorta-degisikligi-konaklama-sirasinda-yeni-plan\/\">yeni sigorta plan\u0131nda<\/a>.<\/p>\n<h3>Uygulamaya y\u00f6nelik ad\u0131mlar s\u0131ras\u0131<\/h3>\n<\/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>Ad\u0131m 1:<\/strong> reddedilme gerek\u00e7esinin tam metnini yaz\u0131l\u0131 olarak talep edin.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ad\u0131m 2:<\/strong> Kan\u0131tlar\u0131n\u0131z\u0131 ve kendi g\u00f6r\u00fc\u015f\u00fcn\u00fcz\u00fc belirterek \u015fikayette bulunun.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ad\u0131m 3:<\/strong> Olumsuz bir yan\u0131t ald\u0131ktan sonra, Finans Ombudsman\u0131\u2019ndan destek almay\u0131 d\u00fc\u015f\u00fcn\u00fcn.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ad\u0131m 4:<\/strong> Gerekirse, uzla\u015fma yoluna ba\u015fvurabilir veya mahkemeye ba\u015fvurabilirsiniz.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ad\u0131m 5:<\/strong> T\u00fcm yaz\u0131\u015fmalar\u0131 ve yan\u0131t s\u00fcrelerini kayda ge\u00e7irin.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"faq\" class=\"kt-adv-heading\">S\u0131k\u00e7a sorulan sorular<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<h3>Sigorta poli\u00e7esi ge\u00e7erli de\u011filse nas\u0131l \u015fikayette bulunulur?<\/h3>\n<p>Bunu en iyisi yaz\u0131l\u0131 olarak veya g\u00f6nderim onay\u0131 ile elektronik ortamda yap\u0131n. \u015eikayetinizde ki\u015fisel bilgilerinizi, poli\u00e7e numaran\u0131z\u0131, sorunun a\u00e7\u0131klamas\u0131n\u0131, gerek\u00e7enizi ve kan\u0131tlar\u0131n\u0131z\u0131 belirtin. Konu tedavi ile ilgiliyse, t\u0131bbi belgeleri ve faturalar\u0131 da ekleyin.<\/p>\n<h3>Sa\u011fl\u0131k sigortas\u0131 ile ilgili \u015fikayet i\u00e7in \u00f6zel bir form doldurulmas\u0131 zorunlu mu?<\/h3>\n<p>Her zaman de\u011fil. Bir\u00e7ok sigorta \u015firketi kendi formunu sunar, ancak etkili bir \u015fikayet dilek\u00e7esi kendi ba\u015f\u0131n\u0131za da haz\u0131rlanabilir. En \u00f6nemlisi, dilek\u00e7ede kimlik bilgileri, poli\u00e7e numaras\u0131, itirazlar\u0131n i\u00e7eri\u011fi ve talebin yer almas\u0131d\u0131r.<\/p>\n<h3>Sigorta \u015firketinin cevap vermek i\u00e7in ne kadar s\u00fcresi var?<\/h3>\n<p>Standart olarak, \u015fikayete ili\u015fkin yan\u0131t, \u015fikayetin al\u0131nmas\u0131ndan itibaren 30 g\u00fcn i\u00e7inde verilmelidir. Daha karma\u015f\u0131k durumlarda bu s\u00fcre 60 g\u00fcne kadar uzat\u0131labilir. Ancak sigorta \u015firketi, gecikmenin nedenini size bildirmelidir.<\/p>\n<h3>Hizmetin reddi: Karara kat\u0131lm\u0131yorsam ne yapmal\u0131y\u0131m?<\/h3>\n<p>\u00d6ncelikle, karar\u0131n tam gerek\u00e7esini isteyin ve karar\u0131n Genel Sigorta Ko\u015fullar\u0131\u2019ndaki belirli bir maddeye dayand\u0131\u011f\u0131n\u0131 kontrol edin. Ard\u0131ndan, \u015fikayette bulunun ve sigorta \u015firketinin tutumunu \u00e7\u00fcr\u00fcten kan\u0131tlar\u0131 ekleyin. Bu da i\u015fe yaramazsa, Finans Ombudsman\u0131\u2019na ba\u015fvurmay\u0131 d\u00fc\u015f\u00fcn\u00fcn.<\/p>\n<h3>Sigorta \u015firketine \u015fikayette bulunmak i\u00e7in nereye ba\u015fvurulur?<\/h3>\n<p>Duruma ba\u011fl\u0131 olarak \u015fikayetinizi veya m\u00fcdahale talebinizi Finans Ombudsman\u0131na iletebilir ya da finans piyasas\u0131nda mevcut olan denetim ve uzla\u015fma ara\u00e7lar\u0131ndan yararlanabilirsiniz. Ayr\u0131ca, durumunuzun Genel \u015eartlar ve Ko\u015fullarda (OWU) a\u00e7\u0131klanan koruma s\u0131n\u0131rlamalar\u0131ndan kaynaklan\u0131p kaynaklanmad\u0131\u011f\u0131n\u0131 kontrol etmenizde fayda vard\u0131r. \u015eu makaleyle kar\u015f\u0131la\u015ft\u0131rma yapmak da yard\u0131mc\u0131 olabilir: <a href=\"https:\/\/insurancevisa.com\/tr\/rehber\/yabancilarin-en-sik-sordugu-sorular-ve-sorunlari\/sigorta-secenekleri-polonyada-calismayan-yabancilar-icin\/\">i\u015fsizlik sigortas\u0131 se\u00e7enekleri<\/a>.<\/p>\n<h3>Polonya\u2019da bulunan bir yabanc\u0131 da ayn\u0131 \u015fikayet haklar\u0131na sahip midir?<\/h3>\n<p>Evet, s\u00f6zle\u015fmenin taraf\u0131, sigortal\u0131 veya poli\u00e7eden hak sahibi ise, s\u00f6zle\u015fmede ve ilgili mevzuatta \u00f6ng\u00f6r\u00fclen kurallara g\u00f6re \u015fikayette bulunabilir. Belgeleri, poli\u00e7e numaras\u0131n\u0131 ve tedavi kay\u0131tlar\u0131n\u0131 ya da tazminat talebinin reddedildi\u011fine dair kan\u0131tlar\u0131 saklamak \u00e7ok \u00f6nemlidir.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"podsumowanie\" class=\"kt-adv-heading\">\u00d6zet<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Sigorta poli\u00e7enizle ilgili bir sorun ya\u015f\u0131yorsan\u0131z, h\u0131zl\u0131 ve sistemli bir \u015fekilde hareket edin. Genel Sigorta Ko\u015fullar\u0131n\u0131 inceleyin, kan\u0131tlar\u0131 toplay\u0131n, \u015fikayette bulunun ve yan\u0131t s\u00fcrelerini takip edin. Bir\u00e7ok durumda, iyi haz\u0131rlanm\u0131\u015f bir sa\u011fl\u0131k sigortas\u0131 \u015fikayeti, hatal\u0131 bir karar\u0131n d\u00fczeltilmesi i\u00e7in yeterlidir. Ancak, a\u00e7\u0131klamalar\u0131n\u0131za ra\u011fmen \u00f6deme reddi devam ederse, Finans Ombudsman\u0131\u2019ndan yard\u0131m al\u0131n veya di\u011fer yasal yollara ba\u015fvurun. Haklar\u0131n\u0131z\u0131 ve sigorta kapsam\u0131n\u0131z\u0131 daha iyi anlamak istiyorsan\u0131z, insurancevisa.com\u2019daki di\u011fer rehberlere de g\u00f6z at\u0131n.<\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Sigorta poli\u00e7esine ili\u015fkin \u015fikayet, poli\u00e7e s\u00f6zle\u015fmeye uygun \u015fekilde i\u015flemeyince ya da reddedildi\u011finde sigorta \u015firketinin faaliyetlerine y\u00f6nelik resmi bir itiraz bildirimidir\u2026<\/p>","protected":false},"author":2,"featured_media":3756,"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":[43],"tags":[55,61,63,56,54],"class_list":["post-3757","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-najczestsze-pytania-i-problemy-cudzoziemcow","tag-cudzoziemcy-w-polsce","tag-koszty-leczenia-cudzoziemcow","tag-owu","tag-polisa-medyczna","tag-ubezpieczenie-zdrowotne"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jak zg\u0142osi\u0107 reklamacj\u0119, gdy polisa nie dzia\u0142a? - Insurance VISA<\/title>\n<meta name=\"description\" content=\"Dowiedz si\u0119, jak z\u0142o\u017cy\u0107 reklamacj\u0119 ubezpieczenia zdrowotnego i co zrobi\u0107, gdy polisa nie dzia\u0142a lub ubezpieczyciel odmawia \u015bwiadczenia.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insurancevisa.com\/tr\/rehber\/yabancilarin-en-sik-sordugu-sorular-ve-sorunlari\/police-gecerli-degilse-nasil-sikayette-bulunulur\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak zg\u0142osi\u0107 reklamacj\u0119, gdy polisa nie dzia\u0142a?\" \/>\n<meta property=\"og:description\" content=\"Dowiedz si\u0119, jak z\u0142o\u017cy\u0107 reklamacj\u0119 ubezpieczenia zdrowotnego i co zrobi\u0107, gdy polisa nie dzia\u0142a lub ubezpieczyciel odmawia \u015bwiadczenia.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insurancevisa.com\/tr\/rehber\/yabancilarin-en-sik-sordugu-sorular-ve-sorunlari\/police-gecerli-degilse-nasil-sikayette-bulunulur\/\" \/>\n<meta property=\"og:site_name\" content=\"Insurance VISA\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/POLISARIUM\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-26T08:43:39+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-30T03:26:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/06\/foto-10.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"2528\" \/>\n\t<meta property=\"og:image:height\" content=\"1696\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"redaktor\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Yazan:\" \/>\n\t<meta name=\"twitter:data1\" content=\"redaktor\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tahmini okuma s\u00fcresi\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 dakika\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/poradnik\\\/najczestsze-pytania-i-problemy-cudzoziemcow\\\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/poradnik\\\/najczestsze-pytania-i-problemy-cudzoziemcow\\\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\\\/\"},\"author\":{\"name\":\"redaktor\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/#\\\/schema\\\/person\\\/c078f3c69511a8a0baa74f5da100c301\"},\"headline\":\"Jak zg\u0142osi\u0107 reklamacj\u0119, gdy polisa nie dzia\u0142a?\",\"datePublished\":\"2026-06-26T08:43:39+00:00\",\"dateModified\":\"2026-09-30T03:26:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/poradnik\\\/najczestsze-pytania-i-problemy-cudzoziemcow\\\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\\\/\"},\"wordCount\":1399,\"publisher\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/poradnik\\\/najczestsze-pytania-i-problemy-cudzoziemcow\\\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/foto-10.webp\",\"keywords\":[\"cudzoziemcy w Polsce\",\"koszty leczenia cudzoziemc\u00f3w\",\"OWU\",\"polisa medyczna\",\"ubezpieczenie zdrowotne\"],\"articleSection\":[\"Najcz\u0119stsze pytania i problemy cudzoziemc\u00f3w\"],\"inLanguage\":\"tr\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/poradnik\\\/najczestsze-pytania-i-problemy-cudzoziemcow\\\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\\\/\",\"url\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/poradnik\\\/najczestsze-pytania-i-problemy-cudzoziemcow\\\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\\\/\",\"name\":\"Jak zg\u0142osi\u0107 reklamacj\u0119, gdy polisa nie dzia\u0142a? - Insurance VISA\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/poradnik\\\/najczestsze-pytania-i-problemy-cudzoziemcow\\\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/poradnik\\\/najczestsze-pytania-i-problemy-cudzoziemcow\\\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/foto-10.webp\",\"datePublished\":\"2026-06-26T08:43:39+00:00\",\"dateModified\":\"2026-09-30T03:26:02+00:00\",\"description\":\"Dowiedz si\u0119, jak z\u0142o\u017cy\u0107 reklamacj\u0119 ubezpieczenia zdrowotnego i co zrobi\u0107, gdy polisa nie dzia\u0142a lub ubezpieczyciel odmawia \u015bwiadczenia.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/poradnik\\\/najczestsze-pytania-i-problemy-cudzoziemcow\\\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\\\/#breadcrumb\"},\"inLanguage\":\"tr\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/poradnik\\\/najczestsze-pytania-i-problemy-cudzoziemcow\\\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"tr\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/poradnik\\\/najczestsze-pytania-i-problemy-cudzoziemcow\\\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\\\/#primaryimage\",\"url\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/foto-10.webp\",\"contentUrl\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/foto-10.webp\",\"width\":2528,\"height\":1696,\"caption\":\"Jak zg\u0142osi\u0107 reklamacj\u0119, gdy polisa nie dzia\u0142a?\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/poradnik\\\/najczestsze-pytania-i-problemy-cudzoziemcow\\\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Strona g\u0142\u00f3wna\",\"item\":\"https:\\\/\\\/insurancevisa.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Jak zg\u0142osi\u0107 reklamacj\u0119, gdy polisa nie dzia\u0142a?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/#website\",\"url\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/\",\"name\":\"Ubezpieczenie Cudzoziemca\",\"description\":\"Ubezpieczenia dla Cudzoziemc\u00f3w do wizy i karty pobytu\",\"publisher\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"tr\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/#organization\",\"name\":\"naZycie.pl\",\"url\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"tr\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/cropped-logo.webp\",\"contentUrl\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/cropped-logo.webp\",\"width\":244,\"height\":68,\"caption\":\"naZycie.pl\"},\"image\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/POLISARIUM\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/tr\\\/#\\\/schema\\\/person\\\/c078f3c69511a8a0baa74f5da100c301\",\"name\":\"redaktor\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"tr\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/litespeed\\\/avatar\\\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1793978175\",\"url\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/litespeed\\\/avatar\\\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1793978175\",\"contentUrl\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/litespeed\\\/avatar\\\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1793978175\",\"caption\":\"redaktor\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Poli\u00e7e ge\u00e7erli de\u011filse nas\u0131l \u015fikayette bulunulur? - Insurance VISA","description":"Sa\u011fl\u0131k sigortas\u0131 ile ilgili nas\u0131l \u015fikayette bulunabilece\u011finizi ve poli\u00e7eniz ge\u00e7erli olmad\u0131\u011f\u0131nda veya sigorta \u015firketi \u00f6demeyi reddetti\u011finde ne yapman\u0131z gerekti\u011fini \u00f6\u011frenin.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/insurancevisa.com\/tr\/rehber\/yabancilarin-en-sik-sordugu-sorular-ve-sorunlari\/police-gecerli-degilse-nasil-sikayette-bulunulur\/","og_locale":"tr_TR","og_type":"article","og_title":"Jak zg\u0142osi\u0107 reklamacj\u0119, gdy polisa nie dzia\u0142a?","og_description":"Dowiedz si\u0119, jak z\u0142o\u017cy\u0107 reklamacj\u0119 ubezpieczenia zdrowotnego i co zrobi\u0107, gdy polisa nie dzia\u0142a lub ubezpieczyciel odmawia \u015bwiadczenia.","og_url":"https:\/\/insurancevisa.com\/tr\/rehber\/yabancilarin-en-sik-sordugu-sorular-ve-sorunlari\/police-gecerli-degilse-nasil-sikayette-bulunulur\/","og_site_name":"Insurance VISA","article_publisher":"https:\/\/www.facebook.com\/POLISARIUM","article_published_time":"2026-06-26T08:43:39+00:00","article_modified_time":"2026-09-30T03:26:02+00:00","og_image":[{"width":2528,"height":1696,"url":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/06\/foto-10.webp","type":"image\/webp"}],"author":"redaktor","twitter_card":"summary_large_image","twitter_misc":{"Yazan:":"redaktor","Tahmini okuma s\u00fcresi":"7 dakika"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/insurancevisa.com\/tr\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\/#article","isPartOf":{"@id":"https:\/\/insurancevisa.com\/tr\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\/"},"author":{"name":"redaktor","@id":"https:\/\/insurancevisa.com\/tr\/#\/schema\/person\/c078f3c69511a8a0baa74f5da100c301"},"headline":"Jak zg\u0142osi\u0107 reklamacj\u0119, gdy polisa nie dzia\u0142a?","datePublished":"2026-06-26T08:43:39+00:00","dateModified":"2026-09-30T03:26:02+00:00","mainEntityOfPage":{"@id":"https:\/\/insurancevisa.com\/tr\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\/"},"wordCount":1399,"publisher":{"@id":"https:\/\/insurancevisa.com\/tr\/#organization"},"image":{"@id":"https:\/\/insurancevisa.com\/tr\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\/#primaryimage"},"thumbnailUrl":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/06\/foto-10.webp","keywords":["cudzoziemcy w Polsce","koszty leczenia cudzoziemc\u00f3w","OWU","polisa medyczna","ubezpieczenie zdrowotne"],"articleSection":["Najcz\u0119stsze pytania i problemy cudzoziemc\u00f3w"],"inLanguage":"tr"},{"@type":"WebPage","@id":"https:\/\/insurancevisa.com\/tr\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\/","url":"https:\/\/insurancevisa.com\/tr\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\/","name":"Poli\u00e7e ge\u00e7erli de\u011filse nas\u0131l \u015fikayette bulunulur? - Insurance VISA","isPartOf":{"@id":"https:\/\/insurancevisa.com\/tr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/insurancevisa.com\/tr\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\/#primaryimage"},"image":{"@id":"https:\/\/insurancevisa.com\/tr\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\/#primaryimage"},"thumbnailUrl":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/06\/foto-10.webp","datePublished":"2026-06-26T08:43:39+00:00","dateModified":"2026-09-30T03:26:02+00:00","description":"Sa\u011fl\u0131k sigortas\u0131 ile ilgili nas\u0131l \u015fikayette bulunabilece\u011finizi ve poli\u00e7eniz ge\u00e7erli olmad\u0131\u011f\u0131nda veya sigorta \u015firketi \u00f6demeyi reddetti\u011finde ne yapman\u0131z gerekti\u011fini \u00f6\u011frenin.","breadcrumb":{"@id":"https:\/\/insurancevisa.com\/tr\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\/#breadcrumb"},"inLanguage":"tr","potentialAction":[{"@type":"ReadAction","target":["https:\/\/insurancevisa.com\/tr\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\/"]}]},{"@type":"ImageObject","inLanguage":"tr","@id":"https:\/\/insurancevisa.com\/tr\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\/#primaryimage","url":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/06\/foto-10.webp","contentUrl":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/06\/foto-10.webp","width":2528,"height":1696,"caption":"Jak zg\u0142osi\u0107 reklamacj\u0119, gdy polisa nie dzia\u0142a?"},{"@type":"BreadcrumbList","@id":"https:\/\/insurancevisa.com\/tr\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Strona g\u0142\u00f3wna","item":"https:\/\/insurancevisa.com\/"},{"@type":"ListItem","position":2,"name":"Jak zg\u0142osi\u0107 reklamacj\u0119, gdy polisa nie dzia\u0142a?"}]},{"@type":"WebSite","@id":"https:\/\/insurancevisa.com\/tr\/#website","url":"https:\/\/insurancevisa.com\/tr\/","name":"Yabanc\u0131lar\u0131n Sigortas\u0131","description":"Yabanc\u0131lar\u0131n vize ve oturma izni i\u00e7in sigortas\u0131","publisher":{"@id":"https:\/\/insurancevisa.com\/tr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/insurancevisa.com\/tr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"tr"},{"@type":"Organization","@id":"https:\/\/insurancevisa.com\/tr\/#organization","name":"naZycie.pl","url":"https:\/\/insurancevisa.com\/tr\/","logo":{"@type":"ImageObject","inLanguage":"tr","@id":"https:\/\/insurancevisa.com\/tr\/#\/schema\/logo\/image\/","url":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2025\/10\/cropped-logo.webp","contentUrl":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2025\/10\/cropped-logo.webp","width":244,"height":68,"caption":"naZycie.pl"},"image":{"@id":"https:\/\/insurancevisa.com\/tr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/POLISARIUM"]},{"@type":"Person","@id":"https:\/\/insurancevisa.com\/tr\/#\/schema\/person\/c078f3c69511a8a0baa74f5da100c301","name":"edit\u00f6r","image":{"@type":"ImageObject","inLanguage":"tr","@id":"https:\/\/insurancevisa.com\/wp-content\/litespeed\/avatar\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1793978175","url":"https:\/\/insurancevisa.com\/wp-content\/litespeed\/avatar\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1793978175","contentUrl":"https:\/\/insurancevisa.com\/wp-content\/litespeed\/avatar\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1793978175","caption":"redaktor"}}]}},"taxonomy_info":{"category":[{"value":43,"label":"Najcz\u0119stsze pytania i problemy cudzoziemc\u00f3w"}],"post_tag":[{"value":55,"label":"cudzoziemcy w Polsce"},{"value":61,"label":"koszty leczenia cudzoziemc\u00f3w"},{"value":63,"label":"OWU"},{"value":56,"label":"polisa medyczna"},{"value":54,"label":"ubezpieczenie zdrowotne"}]},"featured_image_src_large":["https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/06\/foto-10-1024x687.webp",1024,687,true],"author_info":{"display_name":"redaktor","author_link":"https:\/\/insurancevisa.com\/tr\/author\/redaktor\/"},"comment_info":0,"category_info":[{"term_id":43,"name":"Najcz\u0119stsze pytania i problemy cudzoziemc\u00f3w","slug":"najczestsze-pytania-i-problemy-cudzoziemcow","term_group":0,"term_taxonomy_id":43,"taxonomy":"category","description":"","parent":0,"count":29,"filter":"raw","cat_ID":43,"category_count":29,"category_description":"","cat_name":"Najcz\u0119stsze pytania i problemy cudzoziemc\u00f3w","category_nicename":"najczestsze-pytania-i-problemy-cudzoziemcow","category_parent":0}],"tag_info":[{"term_id":55,"name":"cudzoziemcy w Polsce","slug":"cudzoziemcy-w-polsce","term_group":0,"term_taxonomy_id":55,"taxonomy":"post_tag","description":"","parent":0,"count":63,"filter":"raw"},{"term_id":61,"name":"koszty leczenia cudzoziemc\u00f3w","slug":"koszty-leczenia-cudzoziemcow","term_group":0,"term_taxonomy_id":61,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: koszty leczenia cudzoziemc\u00f3w, w tym \u201ePrywatne ubezpieczenie cudzoziemca \u2013 jak wybra\u0107?\u201d.","parent":0,"count":21,"filter":"raw"},{"term_id":63,"name":"OWU","slug":"owu","term_group":0,"term_taxonomy_id":63,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: OWU, w tym \u201ePrywatne ubezpieczenie cudzoziemca \u2013 jak wybra\u0107?\u201d.","parent":0,"count":33,"filter":"raw"},{"term_id":56,"name":"polisa medyczna","slug":"polisa-medyczna","term_group":0,"term_taxonomy_id":56,"taxonomy":"post_tag","description":"","parent":0,"count":58,"filter":"raw"},{"term_id":54,"name":"ubezpieczenie zdrowotne","slug":"ubezpieczenie-zdrowotne","term_group":0,"term_taxonomy_id":54,"taxonomy":"post_tag","description":"","parent":0,"count":75,"filter":"raw"}],"_links":{"self":[{"href":"https:\/\/insurancevisa.com\/tr\/wp-json\/wp\/v2\/posts\/3757","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/insurancevisa.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/insurancevisa.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/insurancevisa.com\/tr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/insurancevisa.com\/tr\/wp-json\/wp\/v2\/comments?post=3757"}],"version-history":[{"count":3,"href":"https:\/\/insurancevisa.com\/tr\/wp-json\/wp\/v2\/posts\/3757\/revisions"}],"predecessor-version":[{"id":3855,"href":"https:\/\/insurancevisa.com\/tr\/wp-json\/wp\/v2\/posts\/3757\/revisions\/3855"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/insurancevisa.com\/tr\/wp-json\/wp\/v2\/media\/3756"}],"wp:attachment":[{"href":"https:\/\/insurancevisa.com\/tr\/wp-json\/wp\/v2\/media?parent=3757"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/insurancevisa.com\/tr\/wp-json\/wp\/v2\/categories?post=3757"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/insurancevisa.com\/tr\/wp-json\/wp\/v2\/tags?post=3757"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}