{"id":111279,"date":"2020-04-04T21:03:35","date_gmt":"2020-04-04T18:03:35","guid":{"rendered":"https:\/\/www.enerjigazetesi.ist\/?p=111279"},"modified":"2020-04-04T21:06:27","modified_gmt":"2020-04-04T18:06:27","slug":"saglik-covid-19-virusunun-sigorta-policelerine-tesiri","status":"publish","type":"post","link":"https:\/\/www.enerjigazetesi.ist\/en\/saglik-covid-19-virusunun-sigorta-policelerine-tesiri\/","title":{"rendered":"(Turkish) Sa\u011fl\u0131k: ‘Covid-19 Vir\u00fcs\u00fc’n\u00fcn Sigorta Poli\u00e7elerine Tesiri"},"content":{"rendered":"

Sorry, this entry is only available in Turkish<\/a>. For the sake of viewer convenience, the content is shown below in the alternative language. You may click the link to switch the active language.<\/p>

<\/p>\n

\u00c7in\u2019in Wuhan kentinde ortaya \u00e7\u0131kan Covid-19 isimli salg\u0131n hastal\u0131k, insanl\u0131k i\u00e7in risk olu\u015fturmaya devam etmekte.\u00a0\u00a0Covid-19 isimli salg\u0131n hastal\u0131k uzun s\u00fcredir bir\u00e7ok \u00fclkeyi alarma ge\u00e7irmi\u015f durumda. Bunun yan\u0131nda d\u00fcnya devletlerinde al\u0131nan \u00f6nemler, d\u00fc\u015f\u00fcn\u00fclen \u00e7areler vir\u00fcs\u00fcn yay\u0131lmas\u0131 konusunda yetersiz kalmakta ve etkilet\u00a0ki\u015filerin hayatlar\u0131nda gerek ekonomik gerekse sosyal ve psikolojik a\u00e7\u0131dan b\u00fcy\u00fck y\u0131k\u0131mlara yol a\u00e7makta. Bu s\u00fcre\u00e7te sigorta poli\u00e7eleri ve \u00f6zellikle te\u015fhis ve tedavide sigorta poli\u00e7elerinin nas\u0131l yorumlanaca\u011f\u0131 konusunda Avukat \u00c7i\u011fdem \u015eelli Dilek, yorumlar\u0131n\u0131 dile getirdi.<\/strong><\/h1>\n

Vir\u00fcs\u00fcn, devlet taraf\u0131ndan salg\u0131n hastal\u0131k olarak nitelendirilmesi<\/strong> sonras\u0131nda baz\u0131 sigorta poli\u00e7eleri kapsam d\u0131\u015f\u0131 kald\u0131\u011f\u0131na dikkat \u00e7eken\u00a0Avukat \u00c7i\u011fdem \u015eelli Dilek s\u00f6zlerini \u015f\u00f6yle s\u00fcrd\u00fcrd\u00fc:<\/strong><\/p>\n

\"\"Korona vir\u00fcs<\/strong> her ge\u00e7en g\u00fcn hayat\u0131m\u0131zdaki etki alan\u0131n\u0131 geni\u015fletiyor. Salg\u0131n hastal\u0131k ekonomi, sa\u011fl\u0131k, spor, e\u011fitim, k\u00fclt\u00fcr, turizm ba\u015fta olmak \u00fczere bir\u00e7ok alana sirayet etmi\u015f bulunmaktad\u0131r. S\u00f6z konusu salg\u0131n sebebiyle bir\u00e7ok alanda belirsizlikler ve tart\u0131\u015f\u0131lmas\u0131 gereken hususlar ortaya \u00e7\u0131km\u0131\u015ft\u0131r. Bu belirsizliklerin ya\u015fand\u0131\u011f\u0131 alanlardan biri de Sigorta sekt\u00f6r\u00fcd\u00fcr<\/strong>.<\/p>\n

Sigorta poli\u00e7elerinin ak\u0131beti; Covid-19 vir\u00fcs tedavisi<\/strong>nde \u00d6zel Sa\u011fl\u0131k Sigortas\u0131<\/strong>\u2019ndan yararlan\u0131l\u0131p yararlan\u0131lamayaca\u011f\u0131, Seyahat Sigortas\u0131<\/strong> i\u00e7in yat\u0131r\u0131lan primlerin iadesinin m\u00fcmk\u00fcn olup olmad\u0131\u011f\u0131, \u00f6nceden al\u0131nm\u0131\u015f olan seyahat turlar\u0131na ili\u015fkin Seyahat Poli\u00e7elerinin ve vatanda\u015flar taraf\u0131ndan yapt\u0131r\u0131lm\u0131\u015f olan Hayat Sigortalar\u0131n\u0131n ne olaca\u011f\u0131 merak konusudur. Bu yaz\u0131m\u0131zda Covid-19 isimli salg\u0131n hastal\u0131\u011f\u0131n taraflarca imza edilen sigorta poli\u00e7elerine etkileri<\/strong> a\u00e7\u0131klan\u0131p incelenecektir.<\/p>\n

PAKET TUR POL\u0130\u00c7ELER\u0130NDE \u00d6DENEN BEDEL; KES\u0130NT\u0130 YAPILMAKSIZIN \u0130ADE ED\u0130LMEL\u0130D\u0130R<\/strong><\/h2>\n

T\u00fcketiciler, Covid-19 salg\u0131n\u0131 sebebi ile yurti\u00e7i ve yurtd\u0131\u015f\u0131 gezi programlar\u0131n\u0131 iptal etmektedir. Bu durumda paket turlar\u0131 kapsam\u0131nda \u00f6denen sigorta bedellerinin iadesi g\u00fcndeme<\/strong> gelmektedir.<\/p>\n

28.05.2014 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe giren 6502 Say\u0131l\u0131 T\u00fcketicinin Korunmas\u0131 Hakk\u0131nda Kanun kapsam\u0131nda \u00e7\u0131kar\u0131lm\u0131\u015f olan \u2018Paket Tur S\u00f6zle\u015fmeleri Y\u00f6netmeli\u011fi\u2019, 14.01.2015 tarihinde 29236 say\u0131l\u0131 Resmi Gazete\u2019de yay\u0131nlanarak y\u00fcr\u00fcrl\u00fc\u011fe girmi\u015ftir. Covid-19 salg\u0131n\u0131 sebebi ile paket turlar\u0131n iptaline ili\u015fkin olarak ortaya \u00e7\u0131kacak ihtilaflarda i\u015fbu y\u00f6netmeli\u011fe ba\u015fvurulacakt\u0131r<\/strong>.<\/p>\n

Paket Tur S\u00f6zle\u015fmesinin Feshi; Paket Tur S\u00f6zle\u015fmeleri Y\u00f6netmeli\u011fi<\/strong>\u2019nin 16’\u0131nc\u0131 Maddesinde d\u00fczenlenmi\u015ftir. \u0130\u015fbu y\u00f6netmeli\u011fin 16. Maddesine<\/strong> g\u00f6re; Kat\u0131l\u0131mc\u0131, fesih talebini paket tur d\u00fczenleyicisi veya arac\u0131s\u0131na yaz\u0131l\u0131 olarak bildirmek kayd\u0131yla s\u00f6zle\u015fmeyi tek tarafl\u0131 olarak feshedebilir.<\/p>\n

Paket turun ba\u015flamas\u0131na otuz g\u00fcnden daha az bir s\u00fcre kala yap\u0131lan fesih bildirimlerinde, paket tur s\u00f6zle\u015fmesinde belirtilmek \u015fart\u0131yla belirli bir tutar veya oranda kesinti yap\u0131labilir. Ancak kat\u0131l\u0131mc\u0131n\u0131n gerekli t\u00fcm \u00f6zeni g\u00f6stermesine ra\u011fmen \u00f6ng\u00f6remedi\u011fi ve engelleyemedi\u011fi bir durum veya m\u00fccbir sebep nedeniyle paket turun ba\u015flamas\u0131na otuz g\u00fcnden daha az bir s\u00fcre kala fesih bildiriminde bulunmas\u0131 halinde, \u00f6denmesi zorunlu vergi, har\u00e7 ve benzeri yasal y\u00fck\u00fcml\u00fcl\u00fcklerden do\u011fan masraflar ile \u00fc\u00e7\u00fcnc\u00fc ki\u015filere \u00f6denip belgelendirilebilen ve iadesi m\u00fcmk\u00fcn olmayan bedeller hari\u00e7 olmak \u00fczere, herhangi bir kesinti yap\u0131lmaks\u0131z\u0131n kat\u0131l\u0131mc\u0131n\u0131n \u00f6demi\u015f oldu\u011fu bedel kendisine iade edilir<\/strong>.<\/p>\n

11.03.2020 tarihi itibariyle D\u00fcnya Sa\u011fl\u0131k \u00d6rg\u00fct\u00fc\u2019n\u00fcn \u2018Pandemi\u2019 ilan etmesi ile salg\u0131n\u0131n k\u00fcresel oldu\u011fu ilan edilmi\u015f ve t\u00fcm d\u00fcnya a\u00e7\u0131s\u0131ndan tehlike arz etti\u011fi a\u00e7\u0131k\u00e7a bildirilmi\u015ftir<\/strong>. Bu nedenle g\u00fcndemimizde yer alan salg\u0131n hastal\u0131k t\u00fcm d\u00fcnya \u00fclkeleri a\u00e7\u0131s\u0131ndan m\u00fccbir sebep kavram\u0131n\u0131 olu\u015fturmaktad\u0131r. DS\u00d6\u2019n\u00fcn ilan\u0131 ile birlikte t\u00fcm \u00fclkeler k\u0131rm\u0131z\u0131 alarma ge\u00e7mi\u015f; \u00f6nlemler maksimum seviyeye \u00e7\u0131kar\u0131lm\u0131\u015ft\u0131r. Bu nedenle Paket Tur S\u00f6zle\u015fmeleri m\u00fccbir sebep nedeniyle, taraflara herhangi bir y\u00fck\u00fcml\u00fcl\u00fck y\u00fcklenilmeksizin feshedilebilmektedir.<\/strong><\/p>\n

Y\u00f6netmelik h\u00fckm\u00fc gere\u011fince fesih sonras\u0131nda bireylerin \u00f6demi\u015f olduklar\u0131 miktar aynen iade edilmelidir. Paket Tur S\u00f6zle\u015fmeleri feshedilmesine ra\u011fmen Acente ile anla\u015fmazl\u0131k ya\u015fan\u0131lmas\u0131 halinde T\u00fcketici Hakem Heyeti\u2019ne yahut T\u00fcketici Mahkemelerine ba\u015fvuru yap\u0131labilmektedir.<\/strong><\/p>\n

COV\u0130D -19\u2019UN \u00d6ZEL SA\u011eLIK S\u0130GORTASI VE TAMAMLAYICI SA\u011eLIK S\u0130GORTALARINA ETK\u0130S\u0130;<\/strong><\/h2>\n

\u00dclkemizde Sigorta h\u00fck\u00fcmleri 5510 say\u0131l\u0131<\/strong> Sosyal Sigortalar ile Genel Sa\u011fl\u0131k Sigortas\u0131 Kanunu<\/strong> ve \u00d6zel Sa\u011fl\u0131k Sigortalar\u0131 Y\u00f6netmeli\u011fi ile d\u00fczenlenmi\u015ftir. \u00d6zel Sa\u011fl\u0131k Sigortas\u0131<\/strong> ve Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131<\/strong> nedir sorusuna bir tan\u0131m yapmam\u0131z gerekirse; sigortalanan ki\u015finin hastal\u0131klar ve kazalar sonucu olu\u015facak sa\u011fl\u0131k giderlerinin kar\u015f\u0131lanmas\u0131 i\u00e7in haz\u0131rlanm\u0131\u015f ki\u015fiye \u00f6zel planlar olarak tan\u0131mlayabiliriz. Belirlenen limitler, \u00f6zel ve genel \u015fartlar dahilinde, daha \u00f6nceden sigorta poli\u00e7esinde belirtilen olas\u0131 risklere kar\u015f\u0131 sigortal\u0131y\u0131 \u00f6zel olarak korumaktad\u0131r. Buna g\u00f6re \u00d6zel Sa\u011fl\u0131k Sigortalar\u0131<\/strong> genellikle ki\u015finin istemlerine ba\u011fl\u0131 olarak ger\u00e7ekle\u015ftirilen operasyonlar\u0131 ve bu operasyonlardan do\u011fabilecek komplikasyonlar\u0131 kar\u015f\u0131lar nitelikteki sigorta anla\u015fmalar\u0131d\u0131r. Taraflarca imza edilen poli\u00e7e; poli\u00e7e tarihinden \u00f6nceki durumlar\u0131 ve anla\u015fmal\u0131 olmayan kurumlardan yapt\u0131r\u0131lan i\u015flemleri kapsamamaktad\u0131r. \u00d6zel Sa\u011fl\u0131k Sigorta Poli\u00e7elerinin, Covid-19 tedavisini kapsay\u0131p kapsamad\u0131\u011f\u0131 konusunda ise farkl\u0131 g\u00f6r\u00fc\u015fler bulunmaktad\u0131r.<\/strong><\/p>\n

1-Bir hastal\u0131\u011f\u0131n genel sigorta kapsam\u0131<\/strong>nda olmamas\u0131 i\u00e7in belirlenen ilk \u015fart Hazine M\u00fcste\u015farl\u0131\u011f\u0131<\/strong>‘n\u0131n koydu\u011fu \u00d6zel Sa\u011fl\u0131k Sigortas\u0131 Genel \u015eartlar\u0131’ndan istisna edilmi\u015f olmas\u0131d\u0131r. B\u00f6yle bir istisna yok ise sigortas\u0131 olanlar, enfekte halinde sigortan\u0131n bunu kar\u015f\u0131lama zorunlulu\u011fu vard\u0131r. Baz\u0131 sigorta \u015firketlerinin sigorta poli\u00e7elerinde; poli\u00e7e bedelinden m\u00fcstesna olarak \u2018\u00d6zel \u015eartlar\u2019 ba\u015fl\u0131\u011f\u0131 alt\u0131nda bula\u015f\u0131c\u0131 hastal\u0131klar\u0131 d\u00fczenlemektedir.<\/strong> Bu durumun tespit edilebilmesi i\u00e7in sigorta poli\u00e7elerinin \u00f6zel olarak incelenmesi gerekmektedir.<\/p>\n

2-D\u00fcnya Sa\u011fl\u0131k \u00d6rg\u00fct\u00fc\u2019n\u00fcn Covid-19\u2019u salg\u0131n hastal\u0131k ilan etmesi ile vir\u00fcs tedavisi \u00d6zel Sa\u011fl\u0131k Sigortas\u0131<\/strong> kapsam\u0131 d\u0131\u015f\u0131nda kalacakt\u0131r. E\u011fer salg\u0131n hastal\u0131k olarak ilan edilmi\u015fse \u00f6zel sigorta kapsam\u0131na girmedi\u011finden teminat alt\u0131nda de\u011fildir. Covid-19 isimli hastal\u0131k Sa\u011fl\u0131k Bakanl\u0131\u011f\u0131\u2019nca yay\u0131nlam\u0131\u015f olan 20.03.2020 tarihli genelge ile \u00fclke genelinde pandemi ilan edilmi\u015ftir<\/strong>. Yay\u0131nlanan genelge ile b\u00fcnyesinde enfeksiyon hastal\u0131klar\u0131 ve klinik mikrobiyoloji, g\u00f6\u011f\u00fcs hastal\u0131klar\u0131, i\u00e7 hastal\u0131klar\u0131 uzman\u0131 hekimlerden en az ikisinin bulundu\u011fu 3’\u00fcnc\u00fc seviye<\/strong> eri\u015fkin yo\u011fun bak\u0131m yata\u011f\u0131 bulunan hastaneleri, “pandemi hastaneleri”<\/strong> olarak tan\u0131mlanm\u0131\u015f; Bu genelgenin \u00fczerine Covid-19 \u00fclkemizde salg\u0131n hastal\u0131k niteli\u011fi kazanm\u0131\u015ft\u0131r. Nitelendirme ile birlikte \u00d6zel Sa\u011fl\u0131k Sigorta Poli\u00e7eleri salg\u0131n hastal\u0131k niteli\u011fi ta\u015f\u0131yan Covid-19 tedavisini kapsamayaca\u011f\u0131 y\u00f6n\u00fcnde g\u00f6r\u00fc\u015fler \u00e7o\u011falsa da; imzalanan her sigorta s\u00f6zle\u015fmesi kendi \u015fartlar\u0131 i\u00e7erisinde de\u011ferlendirilerek yorum yap\u0131lmas\u0131 daha do\u011fru ve nitelikli olacakt\u0131r.<\/strong><\/p>\n

Sonu\u00e7 olarak salg\u0131n hastal\u0131k olan vir\u00fcs, \u00d6zel Sa\u011fl\u0131k Sigorta kapsam\u0131nda yer almad\u0131\u011f\u0131nda devreye kamu hastaneleri ve SGK girmektedir. Birey kendisinden \u015f\u00fcphelenirse<\/strong> \u00d6zel Sa\u011fl\u0131k Sigortas\u0131\u2019n\u0131n ba\u011fl\u0131 bulundu\u011fu \u00f6zel hastaneye gidebilir. \u00d6zel Hastane taraf\u0131ndan Corona te\u015fhisi konulana dek yap\u0131lan m\u00fcdahale masraflar\u0131 \u201c\u00d6zel Sigorta\u201d taraf\u0131ndan kar\u015f\u0131lan\u0131r. Te\u015fhis sonras\u0131nda ise tedavi masraflar\u0131 devletin salg\u0131n durumlar\u0131nda depo etmi\u015f oldu\u011fu fonlardan ve SGK taraf\u0131ndan kar\u015f\u0131lan\u0131r.<\/strong><\/p>\n

\u00d6L\u00dcM HAL\u0130NDE \u201cHAYAT S\u0130GORTASI\u201dNDAN FAYDALANILAB\u0130L\u0130L\u0130R<\/strong><\/h2>\n

Hayat Sigortalar\u0131;<\/strong> Bankalarca kullan\u0131lan kredilere kar\u015f\u0131l\u0131k teminat niteli\u011fi ta\u015f\u0131yan ve miras\u00e7\u0131lar\u0131 ma\u011fdur etmeme gayesi i\u00e7inde olan sigorta s\u00f6zle\u015fmeleridir. Konut kredisi, ta\u015f\u0131t kredisi ya da ihtiya\u00e7 kredisi al\u0131rken yapt\u0131r\u0131lan hayat sigortas\u0131 sayesinde vefat durumu ile kar\u015f\u0131la\u015f\u0131ld\u0131\u011f\u0131nda mevcut borcun tamam\u0131 sigorta \u015firketi taraf\u0131ndan kar\u015f\u0131lan\u0131r ve \u00f6len ki\u015finin miras\u00e7\u0131lar\u0131na bor\u00e7 intikali ger\u00e7ekle\u015fmez. Sigorta \u015firketleri s\u00f6z konusu kredilerden beklenmedik \u00f6l\u00fcmler neticesinde sorumlu olmaktad\u0131r. Bu nedenle Covid-19 hastal\u0131\u011f\u0131na yakalanan bir kimsenin vefat\u0131 sonras\u0131nda Hayat Sigortas\u0131ndan faydalan\u0131labilir.<\/p>\n

SEYAHAT S\u0130GORTA PR\u0130MLER\u0130N\u0130N \u0130ADES\u0130 GEREKMEKTED\u0130R<\/strong><\/p>\n

Seyahat Sigortas\u0131;<\/strong> hem yurt i\u00e7i, hem yurt d\u0131\u015f\u0131 seyahatlerinde kar\u015f\u0131la\u015f\u0131labilen hastal\u0131k, kaza, valiz kayb\u0131 gibi riskleri<\/strong> g\u00fcvence alt\u0131na alan bir sigorta \u00e7e\u015fididir. Seyahat Sigortas\u0131 Avrupa \u00fclkelerinde vize i\u015flemleri i\u00e7in \u00f6n ko\u015ful niteli\u011fi ta\u015f\u0131r. Bu nedenle \u00e7o\u011fu \u00fclke Seyahat Sigortas\u0131\u2019n\u0131 mecburi k\u0131lmaktad\u0131r.<\/p>\n

\u015eu anda mevcut salg\u0131n hastal\u0131k sebebi<\/strong> ile \u00fclkeler aras\u0131 u\u00e7u\u015flar<\/strong> durmu\u015f vaziyettedir. Buna ba\u011fl\u0131 olarak sat\u0131n alm\u0131\u015f oldu\u011funuz seyahat sigortalar\u0131<\/strong> kullan\u0131lamamaktad\u0131r. Ko\u015fullar uygun oldu\u011fu takdirde kullanmad\u0131\u011f\u0131n\u0131 biletinizi iptal edebilir; Seyahat Sigortan\u0131z\u0131n iadesini talep edebilirsiniz. Sat\u0131n al\u0131nan seyahat poli\u00e7esinin kullan\u0131lmayacak olmas\u0131 durumunda, en az 24 saat \u00f6ncesinde sigorta \u015firketine poli\u00e7enin iptali talebinin bildirilmesi gerekir. Prim iadesi talebiniz, poli\u00e7e \u00f6zel \u015fartlar\u0131nda belirtilen iptal ko\u015fullar\u0131na g\u00f6re de\u011ferlendirilerek taraf\u0131n\u0131za iade edilmelidir.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"

Sorry, this entry is only available in Turkish. For the sake of viewer convenience, the content is shown below in the alternative language. You may click the link to switch the active language. \u00c7in\u2019in Wuhan kentinde ortaya \u00e7\u0131kan Covid-19 isimli salg\u0131n hastal\u0131k, insanl\u0131k i\u00e7in risk olu\u015fturmaya devam etmekte.\u00a0\u00a0Covid-19 isimli salg\u0131n hastal\u0131k uzun s\u00fcredir bir\u00e7ok \u00fclkeyi […]<\/p>\n","protected":false},"author":1,"featured_media":111282,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[51,53],"tags":[69662,69661,69663,68560,52259,69669,69666,69664,69668,69667,69665,41592],"views":194,"_links":{"self":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/111279"}],"collection":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/comments?post=111279"}],"version-history":[{"count":0,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/111279\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media\/111282"}],"wp:attachment":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media?parent=111279"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/categories?post=111279"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/tags?post=111279"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}