{"id":3865,"date":"2026-10-08T16:23:22","date_gmt":"2026-10-08T14:23:22","guid":{"rendered":"https:\/\/insurancevisa.com\/?p=3865"},"modified":"2026-10-08T16:23:22","modified_gmt":"2026-10-08T14:23:22","slug":"sigorta-tedavi-masraflarini-karsilamadiginda-ne-yapmali","status":"publish","type":"post","link":"https:\/\/insurancevisa.com\/tr\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/co-zrobic-gdy-ubezpieczenie-nie-pokrywa-leczenia\/","title":{"rendered":"Sigorta tedavi masraflar\u0131n\u0131 kar\u015f\u0131lamad\u0131\u011f\u0131nda ne yapmal\u0131?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Sigorta \u015firketi tedavi masraflar\u0131n\u0131 kar\u015f\u0131lamad\u0131\u011f\u0131nda, en \u00f6nemli iki ad\u0131m \u015funlard\u0131r: belgeleri toplamak ve karar\u0131n tam olarak poli\u00e7enin hangi maddesine dayand\u0131\u011f\u0131n\u0131 kontrol etmek. Sadece reddedilme durumu, masraflar\u0131n geri \u00f6denip \u00f6denmeyece\u011fini hen\u00fcz kesinle\u015ftirmez. Cevap, se\u00e7ilen teminat kapsam\u0131na, olay\u0131n ko\u015fullar\u0131na, teminat tutar\u0131na ve alt limitlere, ayr\u0131ca Genel Sigorta \u015eartlar\u0131\u2019nda belirtilen y\u00fck\u00fcml\u00fcl\u00fcklere ba\u011fl\u0131d\u0131r. Ba\u015fka bir poli\u00e7eden hat\u0131rlad\u0131\u011f\u0131n\u0131z kurallara g\u00fcvenmek de pek mant\u0131kl\u0131 de\u011fildir \u2014 benzer sigortalar bile farkl\u0131 bildirim y\u00f6ntemleri gerektirebilir. A\u015fa\u011f\u0131da, pratik bir eylem s\u0131ras\u0131, belirli Genel Sigorta Ko\u015fullar\u0131\u2019ndan al\u0131nm\u0131\u015f \u00f6rnek \u015fartlar ve konuyu netle\u015ftirmeye yard\u0131mc\u0131 olacak belgelerin listesini bulabilirsiniz. <strong>Karar\u0131, poli\u00e7e ve ilgili Genel Sigorta Ko\u015fullar\u0131 s\u00fcr\u00fcm\u00fcyle birlikte de\u011ferlendirin<\/strong>, sadece teminat\u0131n bulunmad\u0131\u011f\u0131na dair k\u0131sa bir bilgiye dayanarak de\u011fil.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"wp-block-paragraph\">\u0130\u00e7indekiler tablosu<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#co-zrobic-od-razu\">Kapsama kayb\u0131 ya\u015fand\u0131\u011f\u0131nda hemen ne yap\u0131lmal\u0131?<\/a><\/li>\n\n\n\n<li><a href=\"#jak-sprawdzic-zakres\">Poli\u00e7enizin kapsam\u0131n\u0131 nas\u0131l kontrol edebilirsiniz?<\/a><\/li>\n\n\n\n<li><a href=\"#jak-skompletowac-dokumenty\">Belgeler nas\u0131l haz\u0131rlan\u0131r?<\/a><\/li>\n\n\n\n<li><a href=\"#jak-roznia-sie-procedury\">Genel \u015eartlar\u2019daki prosed\u00fcrler birbirinden nas\u0131l farkl\u0131d\u0131r?<\/a><\/li>\n\n\n\n<li><a href=\"#jak-uporzadkowac-dalsze-dzialania\">\u0130leride at\u0131lacak ad\u0131mlar\u0131 nas\u0131l d\u00fczenleyebiliriz?<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">En s\u0131k sorulan sorular<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-zrobic-od-razu\">Kapsama kayb\u0131 ya\u015fand\u0131\u011f\u0131nda hemen ne yap\u0131lmal\u0131?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6ncelikle sorunun tam olarak neyle ilgili oldu\u011funu belirleyin. Sigorta \u015firketinin ba\u015f\u0131ndan itibaren yard\u0131m d\u00fczenlemeyi veya masraflar\u0131n\u0131 kar\u015f\u0131lamay\u0131 reddetmesi ile masraflar\u0131n \u00f6denmesinden sonra talebi kabul etmemesi, birbirinden farkl\u0131 durumlard\u0131r. Olay\u0131n tarihini, sigorta \u015firketiyle ileti\u015fime ge\u00e7ti\u011finiz tarihi, bildirim numaras\u0131n\u0131 ve ald\u0131\u011f\u0131n\u0131z cevab\u0131n i\u00e7eri\u011fini not edin.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Hi\u00e7bir \u015feyi atma<\/strong>, belge ne kadar \u00f6nemsiz g\u00f6r\u00fcnse bile.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu tutumun dayand\u0131\u011f\u0131 poli\u00e7e h\u00fckm\u00fcn\u00fc veya Genel Sigorta \u015eartlar\u0131n\u0131 belirtmelerini isteyin. Ard\u0131ndan \u015funlar\u0131 haz\u0131rlay\u0131n:<\/p>\n\n<\/div><\/div>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items08337efe-documents ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items08337efe-documents kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-08337efe-documents-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-documents-1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-documents-1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">sigorta poli\u00e7esi ve teminat s\u00fcresini do\u011frulayan belge;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-08337efe-documents-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-documents-2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-documents-2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">bu poli\u00e7eye atanan Genel Sigorta \u015eartlar\u0131 s\u00fcr\u00fcm\u00fc;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-08337efe-documents-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-documents-3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-documents-3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">ba\u015fvuru ile ilgili yaz\u0131\u015fmalar;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-08337efe-documents-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-documents-4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-documents-4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">olay\u0131 ve sa\u011flanan yard\u0131m\u0131 a\u00e7\u0131klayan belgeler;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-08337efe-documents-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-documents-5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-documents-5 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">hesaplar, faturalar ve \u00f6deme belgeleri (e\u011fer d\u00fczenlenmi\u015fse);<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-08337efe-documents-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-documents-6 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-documents-6 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">ba\u015fvuru formu ve bunun iletildi\u011fine dair onay.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Eksik belgeler varsa, bir liste haz\u0131rlay\u0131n ve bunlar\u0131 nereden temin edebilece\u011finizi belirtin. <strong>Sigorta poli\u00e7esi, Genel Sigorta \u015eartlar\u0131 ve sigortac\u0131n\u0131n cevab\u0131 ayn\u0131 s\u00f6zle\u015fmeye ili\u015fkin olmal\u0131d\u0131r<\/strong>. Farkl\u0131 y\u0131llara ait veya farkl\u0131 versiyonlardaki belgeleri birle\u015ftirmek, yanl\u0131\u015f sonu\u00e7lara yol a\u00e7abilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ayr\u0131ca, devam eden olayla ilgili acil meseleyi, daha sonra ortaya \u00e7\u0131kacak hesapla\u015fma konusundaki ihtilafdan ay\u0131rmak da \u00f6nemlidir. Daha geni\u015f bir ba\u011flam ar\u0131yorsan\u0131z, \u015furaya bak\u0131n:, <a href=\"https:\/\/insurancevisa.com\/tr\/rehber\/yabancilarin-en-sik-sordugu-sorular-ve-sorunlari\/hangi-sigorta-hastanede-tedaviyi-kapsamaktadir\/\">Hangi sigorta, hastanede tedaviyi kapsamaktad\u0131r?<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-sprawdzic-zakres\">Poli\u00e7enizin kapsam\u0131n\u0131 nas\u0131l kontrol edebilirsiniz?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Se\u00e7ti\u011finiz sigorta se\u00e7ene\u011fini, h\u00fck\u00fcmleri ve sigorta tutar\u0131n\u0131 g\u00f6steren poli\u00e7enin sayfas\u0131ndan veya b\u00f6l\u00fcm\u00fcnden ba\u015flay\u0131n. Ard\u0131ndan, Genel Sigorta Ko\u015fullar\u0131\u2019nda olay tan\u0131mlar\u0131n\u0131, tedavi masraflar\u0131n\u0131n kapsam\u0131n\u0131, olay sonras\u0131 y\u00fck\u00fcml\u00fcl\u00fckleri ve sorumluluk s\u0131n\u0131rlamalar\u0131n\u0131 bulun. Teminat kapsam\u0131, \u00fcr\u00fcn\u00fcn ad\u0131ndan de\u011fil, se\u00e7ilen teminat se\u00e7ene\u011fi ve ek maddelerden kaynaklan\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buna iyi bir \u00f6rnek, 2026 tarihli Genel Sigorta \u015eartlar\u0131 (OWU) s\u00fcr\u00fcm\u00fcndeki Compensa Cudzoziemiec sigortas\u0131d\u0131r. Polonya\u2019daki tedavi masraflar\u0131 ve yard\u0131m hizmetlerini kapsayan 1 numaral\u0131 madde, sigortac\u0131 bu kapsam\u0131 se\u00e7ti\u011fi takdirde s\u00f6zle\u015fmenin bir par\u00e7as\u0131d\u0131r. Bu h\u00fckme g\u00f6re, bu madde, sigortal\u0131n\u0131n Polonya\u2019da kald\u0131\u011f\u0131 s\u00fcre boyunca derhal tedavi olmas\u0131 gereken hastal\u0131k veya kaza sonucu ortaya \u00e7\u0131kan t\u0131bbi a\u00e7\u0131dan gerekli tedavi masraflar\u0131n\u0131 kapsamaktad\u0131r. <strong>Bu a\u00e7\u0131klama, Compensa\u2019n\u0131n belirli bir maddesiyle ilgilidir<\/strong>, bu nedenle her faturan\u0131n \u00f6denmesi gerekti\u011fi otomatik olarak kan\u0131tlanmaz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00f6rt unsuru kar\u015f\u0131la\u015ft\u0131rmak faydal\u0131d\u0131r:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items08337efe-scope ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items08337efe-scope kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-08337efe-scope-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-scope-1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-scope-1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">olay, koruma kapsam\u0131na giren tan\u0131ma uyuyor mu;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-08337efe-scope-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-scope-2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-scope-2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">uygun madde se\u00e7ilmi\u015f mi;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-08337efe-scope-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-scope-3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-scope-3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Olay\u0131n meydana geldi\u011fi g\u00fcn koruma y\u00fcr\u00fcrl\u00fckte miydi;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-08337efe-scope-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-scope-4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-scope-4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Maliyet, toplam tutar, alt s\u0131n\u0131r ve s\u00f6zle\u015fmenin di\u011fer ko\u015fullar\u0131 dahilinde mi?.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">2020 tarihli Uniqa Genel Sigorta Ko\u015fullar\u0131\u2019nda, sigorta tutar\u0131, garanti tutar\u0131 ve alt limitler, tek bir sigortal\u0131 i\u00e7in sorumluluk \u00fcst s\u0131n\u0131r\u0131n\u0131 olu\u015fturur. Belge ayr\u0131ca, yap\u0131lan \u00f6demelerin ilgili tutar\u0131 veya alt limiti azaltt\u0131\u011f\u0131n\u0131 ve bu tutarlar\u0131n poli\u00e7ede ve se\u00e7enekler tablosunda yer ald\u0131\u011f\u0131n\u0131 belirtir. <strong>Poli\u00e7enizdeki tutarlar\u0131 kontrol edin<\/strong>, \u00e7\u00fcnk\u00fc parametreler ba\u015fka bir belgeden veya varyanttan aktar\u0131lmamal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Koruman\u0131n nelerden olu\u015fabilece\u011fi hakk\u0131nda daha fazla bilgiyi, \u015fu makalede bulabilirsiniz: <a href=\"https:\/\/insurancevisa.com\/tr\/rehber\/yabancilarin-en-sik-sordugu-sorular-ve-sorunlari\/yabancilarin-hastane-tedavisi-sigortasi-kapsami\/\">yabanci uyruklularin hastane tedavi\u0307leri\u0307 i\u0307\u00e7i\u0307n si\u0307gorta kapsami<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-skompletowac-dokumenty\">Belgeler nas\u0131l haz\u0131rlan\u0131r?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Belgeler tutarl\u0131 bir hik\u00e2ye olu\u015fturmal\u0131d\u0131r: neler ya\u015fand\u0131, ne zaman, ne t\u00fcr bir yard\u0131m gerekliydi, maliyeti neydi ve tazminat talebi nas\u0131l bildirildi. <strong>En \u00f6nemlisi, kronolojinin net olmas\u0131d\u0131r<\/strong>. Belgeleri tarihe g\u00f6re s\u0131ralay\u0131n ve kopyalara basit isimler verin; \u00f6rne\u011fin, \u201esigorta poli\u00e7esi\u201d, \u201eolay raporu\u201d, \u201et\u0131bbi belgeler\u201d, \u201efatura\u201d ve \u201esigorta \u015firketinin cevab\u0131\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2026 tarihli Compensa Yabanc\u0131 Sigorta Genel \u015eartlar\u0131, hasar bildirim formunun ve bildirimden sonra belirtilen di\u011fer belgelerin sunulmas\u0131n\u0131 ve olayla ilgili delillerin korunmas\u0131n\u0131 \u00f6ng\u00f6rmektedir. Compensa, hasar\u0131n ko\u015fullar\u0131n\u0131 ve boyutunu belirlemek i\u00e7in gerekli t\u0131bbi belgeler ve di\u011fer kan\u0131tlar\u0131 da talep edebilir. <strong>Her belgenin teslim edildi\u011fine dair onay belgesini saklay\u0131n<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Uniqa\u2019n\u0131n 2020 tarihli Genel Sigorta Ko\u015fullar\u0131\u2019na g\u00f6re, tedavi masraflar\u0131na ili\u015fkin bir tazminat talebinde, poli\u00e7e numaras\u0131, olay\u0131n ayr\u0131nt\u0131l\u0131 a\u00e7\u0131klamas\u0131, tan\u0131 ve \u00f6nerilen tedaviyi i\u00e7eren t\u0131bbi rapor ile a\u015fa\u011f\u0131daki masraf belgeleri yer almal\u0131d\u0131r: faturalar, faturalar, hastane belgeleri ve \u00f6deme makbuzlar\u0131. <strong>Poli\u00e7e numaras\u0131 ve olay a\u00e7\u0131klamas\u0131 net ve a\u00e7\u0131k olmal\u0131d\u0131r<\/strong>, b\u00f6ylece belgelerin ilgili davaya atanabilmesi i\u00e7in.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Belgelerle do\u011frulanmayan te\u015fhisleri veya durumlar\u0131 eklemeyin. Eksik bir \u015fey varsa, bunu a\u00e7\u0131k\u00e7a belirtin ve sigorta \u015firketinden gerekli ek bilgilerin tam listesini isteyin. <strong>T\u0131bbi belgeler ve masraf belgeleri farkl\u0131 i\u015flevlere sahiptir<\/strong>: Birincisi sa\u011flanan yard\u0131m\u0131 a\u00e7\u0131klamaktad\u0131r, ikincisi ise yap\u0131lan masraf\u0131 teyit etmektedir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-roznia-sie-procedury\">Genel \u015eartlar\u2019daki prosed\u00fcrler birbirinden nas\u0131l farkl\u0131d\u0131r?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcm poli\u00e7elere tek bir son tarih veya tek bir belge listesi uygulanmas\u0131 i\u00e7in herhangi bir dayanak yoktur. <strong>Her zaman kendi s\u00f6zle\u015fmenize ili\u015fkin prosed\u00fcr\u00fc kontrol edin<\/strong>. Bu nedenle, Genel \u015eartlar\u2019\u0131n\u0131zda ilgili s\u00fcreyi ve gerekli belgelerin listesini kontrol edin.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"compensa-cudzoziemiec-owu-2026\">Compensa Yabanc\u0131 \u2014 Genel Sigorta Ko\u015fullar\u0131 2026<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bu belge s\u00fcr\u00fcm\u00fcnde, olay bildirimi kazan\u0131n meydana geldi\u011fi tarihten itibaren 14 g\u00fcn i\u00e7inde yap\u0131lmal\u0131d\u0131r. Kaza nedeniyle sigortal\u0131 bunu yapamam\u0131\u015fsa, s\u00fcre, bildirimi engelleyen nedenin ortadan kalkmas\u0131ndan itibaren hesaplan\u0131r. Genel Sigorta Ko\u015fullar\u0131\u2019nda ayr\u0131ca form, tazminat talebinin de\u011ferlendirilmesi i\u00e7in gerekli belgeler ve delillerin korunmas\u0131 da belirtilmi\u015ftir. <strong>14 g\u00fcnl\u00fck s\u00fcre, Compensa\u2019n\u0131n bu Genel \u015eartlar s\u00fcr\u00fcm\u00fc i\u00e7in ge\u00e7erlidir<\/strong>, piyasada bulunan t\u00fcm \u00fcr\u00fcnler de\u011fil.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"tuz-ubezpieczenia-owu-2026\">TUZ Sigorta \u2014 Genel Sigorta \u015eartlar\u0131 2026<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">TUZ Sigorta\u2019n\u0131n yabanc\u0131 uyruklular\u0131n tedavi masraflar\u0131na ili\u015fkin Genel Sigorta \u015eartlar\u0131, sigorta kazas\u0131n\u0131n meydana gelmesinden veya hasar bilgisinin al\u0131nmas\u0131ndan itibaren en ge\u00e7 14 g\u00fcn i\u00e7inde derhal bildirimde bulunulmas\u0131n\u0131 \u00f6ng\u00f6rmektedir. Belgede, ek maddelerin ayr\u0131 h\u00fck\u00fcmler i\u00e7erebilece\u011fine dair bir h\u00fck\u00fcm yer almaktad\u0131r. Ayr\u0131ca, bildirim formu, hasar tasfiyesi s\u0131ras\u0131nda ibraz edilmesi gereken belgeler ve hasar\u0131n boyutunu azaltmaya y\u00f6nelik \u00f6nlemler de belirtilmi\u015ftir. <strong>Ek h\u00fck\u00fcmleri de inceleyin<\/strong>, genel b\u00f6l\u00fcmde okumay\u0131 bitirmek yerine.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ergo-hestia-owu-2016\">Ergo Hestia \u2014 Genel Sigorta Ko\u015fullar\u0131 2016<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bu Genel Sigorta Ko\u015fullar\u0131 s\u00fcr\u00fcm\u00fcnde, Acil Durum Merkezine derhal bildirimde bulunulmas\u0131 gerekmektedir. Tazminat talebinde, usul\u00fcne uygun olarak doldurulmu\u015f form, yap\u0131lan masraflar\u0131 teyit eden belgelerin as\u0131llar\u0131, te\u015fhislerin yer ald\u0131\u011f\u0131 t\u0131bbi belgeler ve sunulan yard\u0131m\u0131n kapsam\u0131n\u0131 a\u00e7\u0131klayan di\u011fer belgeler bulunmal\u0131d\u0131r. <strong>Orijinallerin sunulmas\u0131 \u015fart\u0131, 2016 tarihli bir belgeden kaynaklanmaktad\u0131r<\/strong>; herhangi bir i\u015flem yapmadan \u00f6nce, bunu elinizdeki poli\u00e7eye fiilen ekli olan Genel Sigorta Ko\u015fullar\u0131 ile kar\u015f\u0131la\u015ft\u0131rmal\u0131s\u0131n\u0131z.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu \u00f6rnekler, sigorta \u015firketleri aras\u0131nda bir s\u0131ralama olu\u015fturmaz. G\u00f6r\u00fcn\u00fc\u015fte benzer olan hasar bildirimlerinin, farkl\u0131 resmi gerekliliklere tabi olabilece\u011fini g\u00f6sterir. <strong>\u00d6nceki ba\u015fvurunun yeni poli\u00e7e i\u00e7in bir prosed\u00fcr belirledi\u011fini varsaymay\u0131n<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-uporzadkowac-dalsze-dzialania\">\u0130leride at\u0131lacak ad\u0131mlar\u0131 nas\u0131l d\u00fczenleyebiliriz?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Belgeleri toplad\u0131ktan sonra k\u0131sa ve \u00f6z bir a\u00e7\u0131klama haz\u0131rlay\u0131n. \u0130lk paragrafta poli\u00e7e numaras\u0131n\u0131 ve dosya numaras\u0131n\u0131 belirtin. Ard\u0131ndan olay\u0131 tarih s\u0131ras\u0131na g\u00f6re anlat\u0131n, masraf\u0131n neyle ilgili oldu\u011funu belirtin ve ekleri listeleyin. Son olarak, belirtilen belgelere dayanarak tutumun yeniden g\u00f6zden ge\u00e7irilmesini ve sigortac\u0131n\u0131n teminat kapsam\u0131 d\u0131\u015f\u0131nda oldu\u011funu savunmas\u0131 halinde Genel Sigorta \u015eartlar\u0131\u2019ndaki ilgili h\u00fckm\u00fcn belirtilmesini talep edin. <strong>Her bir bildirim, tek bir d\u00fczenli kronolojiye uymal\u0131d\u0131r<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00f6zle\u015fmeyi incelemeden \u00f6nce paran\u0131z\u0131 geri alabilece\u011finizi kendinize vaat etmeyin. Tazminat\u0131n \u00f6denmemesi, kapsam, limit, y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn yerine getirilmemesi veya eksik belgelerden kaynaklanabilir; ancak neden, ilgili davan\u0131n belgelerinden anla\u015f\u0131lmal\u0131d\u0131r. <strong>Karar\u0131n dayana\u011f\u0131n\u0131 sor, genel bir g\u00fcvenceyi de\u011fil<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gelecekte ba\u015fka bir sigorta poli\u00e7esi sat\u0131n almay\u0131 d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z, \u00f6ncelikle mevcut dosyan\u0131z\u0131 kapat\u0131n. S\u00f6zle\u015fmede yap\u0131lan de\u011fi\u015fiklik, halihaz\u0131rda ger\u00e7ekle\u015fmi\u015f bir olay\u0131n ko\u015fullar\u0131n\u0131 de\u011fi\u015ftirmez. A\u015fa\u011f\u0131daki konulardaki rehberler faydal\u0131 olabilir: <a href=\"https:\/\/insurancevisa.com\/tr\/rehber\/yabancilarin-en-sik-sordugu-sorular-ve-sorunlari\/sigortayi-konaklama-sirasinda-degistirmek-nasil-guvenli-bir-sekilde-yapilir\/\">konaklama s\u00fcresince g\u00fcvenli bir \u015fekilde sigorta de\u011fi\u015fikli\u011fi<\/a> ve <a href=\"https:\/\/insurancevisa.com\/tr\/rehber\/yabancilarin-en-sik-sordugu-sorular-ve-sorunlari\/polonyada-issiz-kalma-durumunda-yabanci-uyruklular-icin-sigorta-secenekleri\/\">Polonya\u2019da i\u015fsiz olan yabanc\u0131lar i\u00e7in sigorta se\u00e7enekleri<\/a>. <strong>Yeni poli\u00e7e, daha \u00f6nceki teminat eksikli\u011fini otomatik olarak gidermez<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bir sonraki sat\u0131n alma i\u015fleminizden \u00f6nce, kapsam\u0131, tutar\u0131, alt limitleri, bildirim y\u00f6ntemini ve gerekli belgeleri kar\u015f\u0131la\u015ft\u0131r\u0131n. <strong>Sat\u0131n almadan \u00f6nce, ilgili se\u00e7ene\u011fe ili\u015fkin Genel Sat\u0131\u015f Ko\u015fullar\u0131n\u0131 dikkatlice inceleyin<\/strong>, sadece teklifin a\u00e7\u0131klamas\u0131yla de\u011fil.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/insurancevisa.com\/tr\/\">S\u0130GORTANIZI \u00c7EVR\u0130M\u0130\u00c7\u0130 SATIN ALIN<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">En s\u0131k sorulan sorular<\/h2>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<h3 class=\"wp-block-heading\" id=\"czy-odmowa-oznacza-ze-nie-warto-uzupelniac-dokumentow\">Reddedilme, belgeleri tamamlamaya de\u011fmeyece\u011fi anlam\u0131na m\u0131 geliyor?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hay\u0131r. \u00d6ncelikle, cevab\u0131n eksik bir formu, belgeyi veya ba\u015fka kan\u0131tlar\u0131 i\u015faret edip etmedi\u011fini kontrol edin. Eksikliklerin giderilmesi, ilgili poli\u00e7enin gerekliliklerine uygun olmas\u0131 ve belirli bir olaya ili\u015fkin olmas\u0131 durumunda anlaml\u0131d\u0131r. Ancak bu, karar\u0131n de\u011fi\u015ftirilece\u011fini garanti etmez.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-kazda-polisa-przewiduje-14-dni-na-zgloszenie\">Her sigorta poli\u00e7esi, hasar bildiriminde 14 g\u00fcnl\u00fck bir s\u00fcre \u00f6ng\u00f6r\u00fcyor mu?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bunu genelle\u015ftirmek m\u00fcmk\u00fcn de\u011fildir. 14 g\u00fcnl\u00fck s\u00fcre, yukar\u0131da a\u00e7\u0131klanan Compensa 2026 Genel Sigorta \u015eartlar\u0131 ve Ubezpieczenia 2026 Sigorta S\u00f6zle\u015fmesi\u2019nde belirtilmi\u015ftir; ancak bu belgelerin her biri kendi \u015fartlar\u0131n\u0131 i\u00e7ermektedir. <strong>Poli\u00e7enize ekli Genel Sigorta Ko\u015fullar\u0131\u2019nda ilgili tarihi kontrol edin<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-wystarczy-wyslac-sam-rachunek\">Sadece faturay\u0131 g\u00f6ndermek yeterli mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bahsedilen Genel \u015eartlar\u2019da belirtilen gereklilikler daha kapsaml\u0131d\u0131r. Bunlar aras\u0131nda form, poli\u00e7e numaras\u0131, olay\u0131n a\u00e7\u0131klamas\u0131, t\u0131bbi belgeler ve masraf belgeleri yer alabilir. \u0130lgili belgede belirtilen gerekliliklere uygun olarak gerekli belgeleri g\u00f6nderin ve g\u00f6nderim onay\u0131n\u0131 saklay\u0131n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-zrobic-jesli-ubezpieczyciel-podtrzymuje-stanowisko\">Sigorta \u015firketi tutumunda \u0131srar ederse ne yapmal\u0131?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cevab\u0131, poli\u00e7eyi, ilgili Genel \u015eartlar\u2019\u0131 ve g\u00f6nderilen eklerin tamam\u0131n\u0131 d\u00fczenleyin. A\u00e7\u0131klaman\u0131n belirli bir dayana\u011f\u0131 g\u00f6sterip g\u00f6stermedi\u011fini ve t\u00fcm belgelere at\u0131fta bulunup bulunmad\u0131\u011f\u0131n\u0131 kontrol edin. Bu konuyla ilgili ayr\u0131 bir k\u0131lavuz size yard\u0131mc\u0131 olacakt\u0131r, <a href=\"https:\/\/insurancevisa.com\/tr\/rehber\/yabancilarin-en-sik-sordugu-sorular-ve-sorunlari\/police-gecerli-degilse-nasil-sikayette-bulunulur\/\">Poli\u00e7e ge\u00e7erli de\u011filse nas\u0131l \u015fikayette bulunulur?<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-mozna-oprzec-sie-na-owu-znalezionych-w-internecie\">\u0130nternette bulunan Genel \u015eartlar\u2019a g\u00fcvenilebilir mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kendi s\u00f6zle\u015fmenize atanan s\u00fcr\u00fcm \u00fczerinde \u00e7al\u0131\u015fmak en g\u00fcvenli yoldur. Y\u0131l, se\u00e7enek veya madde i\u00e7eri\u011fi farkl\u0131l\u0131k g\u00f6sterebilir. Ayr\u0131 olarak bulunan bir belge bir k\u0131lavuz olarak kullan\u0131labilir, ancak poli\u00e7eye ekli Genel \u015eartlar\u2019\u0131n yerini almamal\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-zakup-nowej-polisy-pokryje-wczesniejszy-koszt\">Yeni bir poli\u00e7e sat\u0131n almak, daha \u00f6nceki masraf\u0131 kar\u015f\u0131layacak m\u0131?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bunu varsaymamak gerekir. \u00d6nceki bir olayla ilgili teminat, o olay\u0131n meydana geldi\u011fi anda y\u00fcr\u00fcrl\u00fckte olan s\u00f6zle\u015fmeye g\u00f6re de\u011ferlendirilir. Yeni poli\u00e7eyi, gelecekteki kapsam ve kendi ihtiya\u00e7lar\u0131n\u0131z\u0131 g\u00f6z \u00f6n\u00fcnde bulundurarak se\u00e7in; halihaz\u0131rda verilmi\u015f bir karar\u0131 de\u011fi\u015ftirmek i\u00e7in bir yol olarak de\u011fil.<\/p>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Sigorta \u015firketi tedavi masraflar\u0131n\u0131 kar\u015f\u0131lamad\u0131\u011f\u0131nda, en \u00f6nemli iki ad\u0131m \u015funlard\u0131r: belgeleri toplamak ve karar\u0131n tam olarak poli\u00e7enin hangi maddesine dayand\u0131\u011f\u0131n\u0131 kontrol etmek\u2026.<\/p>","protected":false},"author":1,"featured_media":3864,"comment_status":"closed","ping_status":"closed","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":[70,74,71,72,73],"class_list":["post-3865","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-najczestsze-pytania-i-problemy-cudzoziemcow","tag-co-zrobic-gdy-ubezpieczenie-nie-pokrywa-leczenia","tag-jak-odzyskac-pieniadze","tag-odmowa-pokrycia-kosztow-leczenia","tag-reklamacja-ubezpieczenia-zdrowotnego","tag-wylaczenia-odpowiedzialnosci"],"acf":[],"yoast_head":"<!-- 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