{"id":372,"date":"2024-08-07T07:07:39","date_gmt":"2024-08-07T07:07:39","guid":{"rendered":"https:\/\/themedox.com\/insucom\/?p=372"},"modified":"2025-07-01T09:23:37","modified_gmt":"2025-07-01T09:23:37","slug":"ozel-ve-tamamlayici-saglik-sigortalarinda-bekleme-suresi-hakkinda-merak-edilenler","status":"publish","type":"post","link":"https:\/\/www.arenkosigorta.com\/?p=372","title":{"rendered":"\u00d6zel ve Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortalar\u0131nda Bekleme S\u00fcresi Hakk\u0131nda Merak Edilenler"},"content":{"rendered":"\n

Bekleme s\u00fcresi, \u00f6zel veya tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 sat\u0131n al\u0131rken \u00f6nceden ge\u00e7irmi\u015f oldu\u011fun hastal\u0131klar, mevcut hastal\u0131klar\u0131n ve kal\u0131tsal rahats\u0131zl\u0131klar\u0131n tespiti i\u00e7in belirlenmi\u015f s\u00fcredir. Belirtileri hemen ortaya \u00e7\u0131kmayan hastal\u0131klar da bekleme s\u00fcresince takip edilir. <\/p>\n\n\n\n

Sa\u011fl\u0131k sigortalar\u0131nda bekleme s\u00fcresi, baz\u0131 hastal\u0131k ve tedavilerin belirli bir s\u00fcre kapsam d\u0131\u015f\u0131nda tutulmas\u0131 anlam\u0131na gelir. Yani bekleme s\u00fcresine tabi hastal\u0131klar\u0131n tedavi masraflar\u0131 s\u00fcre bitene kadar kar\u015f\u0131lanmaz. Genel olarak yatarak tedavi kapsam\u0131nda olan tedavi ve hastal\u0131klar<\/strong> i\u00e7in uygulan\u0131r. Y\u00fcksek tedavi masraflar\u0131n\u0131 i\u00e7eren ya da ameliyat gerektiren hastal\u0131klar \u00e7o\u011fu sigorta \u015firketinde bekleme s\u00fcresine tabidir. Ama bu durum sigorta \u015firketlerine ve senin ki\u015fisel sa\u011fl\u0131k ge\u00e7mi\u015fine g\u00f6re de\u011fi\u015febilir.<\/p>\n\n\n\n

Bu yaz\u0131m\u0131z\u0131 okuyarak \u201c\u00d6zel sa\u011fl\u0131k sigortas\u0131 bekleme s\u00fcresi nedir?<\/strong>\u201d, \u201cTamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 bekleme s\u00fcresi nedir ve hangi hastal\u0131klar i\u00e7in ge\u00e7erlidir?<\/strong>\u201d gibi sorular\u0131na yan\u0131t bulabilirsin. <\/p>\n\n\n\n

\u00d6zel ve Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortalar\u0131 Ne Zaman Ba\u015flar?<\/h2>\n\n\n\n

\u00d6zel ve tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 yapt\u0131rd\u0131\u011f\u0131n zaman genel olarak ayakta tedavi teminat\u0131na dahil olan sa\u011fl\u0131k hizmetlerini hemen kullanmaya ba\u015flayabilirsin. Muayene, tahlil ve tetkik gibi hastaneye yatman gerekmeyen sa\u011fl\u0131k kontrollerin i\u00e7in bekleme s\u00fcresi uygulanmaz. Sigorta \u015firketlerine g\u00f6re de\u011fi\u015fmekle birlikte ise baz\u0131 hastal\u0131klar\u0131n ya da ameliyat olman gereken durumlar\u0131n i\u00e7in bekleme s\u00fcresine tabi olabilirsin. Peki, \u00f6zel ve tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortalar\u0131nda bekleme s\u00fcresi ka\u00e7 g\u00fcnd\u00fcr? Tamamlay\u0131c\u0131 ve \u00f6zel sa\u011fl\u0131k sigortas\u0131 ne zaman ba\u015flar?<\/strong><\/p>\n\n\n\n

\u00d6zel Sa\u011fl\u0131k Sigortas\u0131nda Bekleme S\u00fcresi Nedir?<\/h3>\n\n\n\n

Bekleme s\u00fcresi dolmadan bekleme s\u00fcresine tabi bir teminat\u0131 kullanmak isteyenler sigorta \u015firketinden provizyon alamaz. Yani o sa\u011fl\u0131k hizmeti i\u00e7in sigorta \u015firketi hastaneye \u00f6deme yapmaz. Bekleme s\u00fcresi baz\u0131 teminatlar\u0131n belirli bir zaman sonra kullan\u0131labilir olmas\u0131n\u0131 ifade eder.\u00a0Provizyon ne demek\u00a0yaz\u0131m\u0131zdan \u00f6n onay a\u015famas\u0131 ile ilgili merak ettiklerini \u00f6\u011frenebilirsin.<\/p>\n\n\n\n

\u00d6zel sa\u011fl\u0131k sigortas\u0131 yapt\u0131rmak istiyorsan \u201c\u00d6zel sa\u011fl\u0131k sigortas\u0131 ne zaman ba\u015flar?\u201d diye merak ediyor olabilirsin. De\u011fi\u015fkenlik g\u00f6stermekle birlikte \u00d6zel Sa\u011fl\u0131k Sigortalar\u0131nda yatarak tedavide bekleme s\u00fcresi ilk poli\u00e7e d\u00f6nemi kapsam\u0131nda genellikle bir y\u0131ld\u0131r. Ayakta tedavi teminat\u0131nda ise bekleme s\u00fcresi uygulanmaz, yani poli\u00e7eyi yapt\u0131rd\u0131ktan sonra doktor muayenesi, tahlil ve tetkik i\u015flemlerini yapt\u0131rabilirsin.<\/p>\n\n\n\n

Bekleme s\u00fcresi, \u00f6zel sa\u011fl\u0131k sigortan\u0131n s\u00f6zle\u015fmesinde belirtilir. Bu nedenle \u201cBekleme s\u00fcresiz \u00f6zel sa\u011fl\u0131k sigortas\u0131 var m\u0131?\u201d sorusuna olumlu veya olumsuz net bir yan\u0131t vermek m\u00fcmk\u00fcn de\u011fildir. Dolay\u0131s\u0131yla dilersen sigorta \u015firketin ile ortak bir anla\u015fma yaparak farkl\u0131 bir bekleme s\u00fcresi de belirleyebilirsin.  <\/p>\n\n\n\n

Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131nda Bekleme S\u00fcresi Nedir? <\/h3>\n\n\n\n

\u201cTamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 ne zaman ba\u015flar?\u201d sorusu tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 yapt\u0131rmak isteyen ki\u015filerin merak etti\u011fi bir konudur. Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 yatarak tedavi bekleme s\u00fcresi, hayati riski olan baz\u0131 hastal\u0131klar d\u0131\u015f\u0131nda 3 ay olarak belirlenmi\u015ftir. <\/strong>Yatakta tedavi teminat\u0131na kullanabilmek i\u00e7in sigorta \u015firketin taraf\u0131ndan belirlenen bu 3 ayl\u0131k s\u00fcreyi doldurman gerekir. Bekleme s\u00fcresi olmayan tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortalar\u0131 ise ayakta tedavi teminat\u0131na dahil olan tedavilerin i\u00e7in ge\u00e7erlidir. Yani TSS yapt\u0131rd\u0131\u011f\u0131nda yatarak tedavi teminat\u0131 i\u00e7erisinde olan baz\u0131 durumlarda bekleme s\u00fcresine tabi olurken, ayakta tedavi i\u00e7in tedavilerinde beklemen gerekmez. Baz\u0131 sigorta \u015firketleri, bekleme s\u00fcresini 1 aya kadar d\u00fc\u015f\u00fcrebilirken ba\u015fka bir \u015firket ise uygun g\u00f6r\u00fcrse hi\u00e7bir s\u00fcre belirlemeyebilir. <\/p>\n\n\n\n

Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 yapt\u0131rmak istiyorsan “En iyi tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 nas\u0131l se\u00e7ilir?” ba\u015fl\u0131kl\u0131 yaz\u0131m\u0131z\u0131 okuyabilir, kendin i\u00e7in en uygun ve kapsaml\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131n\u0131 yapt\u0131rabilirsin.\u00a0<\/p>\n\n\n\n

\u00d6zel ve Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131nda Bekleme S\u00fcresinin Amac\u0131 Nedir?<\/h2>\n\n\n\n

Sigorta \u015firketleri, \u00d6zel veya Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 sat\u0131n almak isteyen ki\u015filerin sa\u011fl\u0131k durumlar\u0131 ile ilgili \u00e7e\u015fitli ara\u015ft\u0131rmalar yaparlar. Sen de \u201cSigorta \u015firketim benden neden bu bilgileri istiyor?\u201d diye d\u00fc\u015f\u00fcn\u00fcyor olabilirsin. Sigorta \u015firketi, yapt\u0131\u011f\u0131 ara\u015ft\u0131rmalar sonucunda daha \u00f6nce ge\u00e7irdi\u011fin hastal\u0131k ve tedavilerden kal\u0131tsal rahats\u0131zl\u0131klara kadar t\u00fcm sa\u011fl\u0131k ge\u00e7mi\u015fin hakk\u0131nda bilgi sahibi olur. \u0130\u015fte bekleme s\u00fcresinin \u00f6nemi, tam bu noktada ortaya \u00e7\u0131kar. \u00c7\u00fcnk\u00fc belirtileri hemen ortaya \u00e7\u0131kmayan hastal\u0131klar i\u00e7in bir s\u00fcre takibi gereklidir. Sigorta \u015firketin bu bekleme s\u00fcresi i\u00e7erisinde mevcut hastal\u0131\u011f\u0131n\u0131n takibini yapar ve bir sonraki poli\u00e7e d\u00f6neminde teminat alt\u0131na al\u0131n\u0131p al\u0131nmayaca\u011f\u0131na karar verir. <\/strong><\/p>\n\n\n\n

\u00d6zel Sa\u011fl\u0131k Sigortas\u0131 Bekleme S\u00fcresi Hangi Hastal\u0131klar \u0130\u00e7in Ge\u00e7erlidir?<\/h2>\n\n\n\n

E\u011fer ilk kez \u00f6zel sa\u011fl\u0131k sigortas\u0131 yapt\u0131r\u0131yorsan a\u015fa\u011f\u0131da s\u0131ralanan hastal\u0131klar nedeniyle yap\u0131lacak olan ameliyat ve tedavi i\u015flemlerinin poli\u00e7e kapsam\u0131na al\u0131nabilmesi i\u00e7in 1 y\u0131l beklemen gerekir.\u00d6zel Sa\u011fl\u0131k Sigortas\u0131\u00a0bekleme s\u00fcresinin ge\u00e7erli oldu\u011fu hastal\u0131klar \u015fu \u015fekilde s\u0131ralanabilir:<\/p>\n\n\n\n

    \n
  • Ya\u011f bezesi i\u015flemleri,\u00a0<\/li>\n\n\n\n
  • Organ nakli ve transplantasyon<\/li>\n\n\n\n
  • Yumurtal\u0131k, meme, varis ve rahim hastal\u0131klar\u0131<\/li>\n\n\n\n
  • Sin\u00fczit sorunlar\u0131, bademcik, burun, geniz hastal\u0131klar\u0131, kulak t\u00fcr\u00fc operasyonu\u00a0<\/li>\n\n\n\n
  • Katarakt ameliyat\u0131<\/li>\n\n\n\n
  • Tiroit ve glokom hastal\u0131klar\u0131<\/li>\n\n\n\n
  • Safra kesesi ve anorektal hastal\u0131klar, kist, f\u0131t\u0131k<\/li>\n\n\n\n
  • Dizde olu\u015fan y\u0131rt\u0131klar, omur ve disk hastal\u0131klar\u0131<\/li>\n\n\n\n
  • Sinir blokaj\u0131, faset denervasyon<\/li>\n\n\n\n
  • B\u00f6brek hastal\u0131klar\u0131, \u00fcriner sistem ta\u015f\u0131r, prostat, kalp hastal\u0131klar\u0131, kanser<\/li>\n<\/ul>\n\n\n\n

    Bekleme s\u00fcrelerinin hangi teminatlarda uyguland\u0131\u011f\u0131n\u0131 \u00f6\u011frenmek i\u00e7in poli\u00e7ene bakman gerekebilir. Teminat kapsam ve detaylar\u0131 i\u00e7in poli\u00e7eni sorgulayabilirsin.\u00a0\u00d6zel sa\u011fl\u0131k sigortas\u0131 sorgulama\u00a0ile poli\u00e7ene nas\u0131l bakabilece\u011fini sayfam\u0131zda anlatt\u0131k.<\/p>\n\n\n\n

    Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 Bekleme S\u00fcresi Hangi Hastal\u0131klar \u0130\u00e7in Ge\u00e7erlidir?<\/h2>\n\n\n\n

    Sigorta \u015firketlerinin b\u00fcy\u00fck bir k\u0131sm\u0131, rahats\u0131zl\u0131\u011f\u0131n\u0131n aniden veya kaza sonucunda ortaya \u00e7\u0131km\u0131\u015f olmas\u0131na bakmaks\u0131z\u0131n mevcut problemini sigorta ba\u015flang\u0131\u00e7 tarihinden itibaren 3 ay kapsam d\u0131\u015f\u0131 b\u0131rak\u0131r.\u00a0Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131\u00a0bekleme s\u00fcresi uygulanan hastal\u0131klar a\u015fa\u011f\u0131daki gibidir:<\/p>\n\n\n\n

      \n
    • Transplantasyon i\u015flemleri ve organ nakli<\/li>\n\n\n\n
    • B\u00f6brek hastal\u0131klar\u0131, prostat, \u00fcriner sistem ta\u015f\u0131, kalp hastal\u0131klar\u0131 ve kanser<\/li>\n\n\n\n
    • Bel-boyun f\u0131t\u0131\u011f\u0131, omurga cerrahisi, omuz cerrahisi<\/li>\n\n\n\n
    • Diz cerrahisi, artroskopik ve endoskopik cerrahi i\u015flemler<\/li>\n\n\n\n
    • F\u0131t\u0131k, safra kesesi ve safra yolu hastal\u0131klar\u0131<\/li>\n\n\n\n
    • Katarakt ameliyat\u0131<\/li>\n\n\n\n
    • Tiroit ve glokom hastal\u0131klar\u0131<\/li>\n\n\n\n
    • Meme, yumurtal\u0131k, rahim ve varis hastal\u0131klar\u0131<\/li>\n\n\n\n
    • Orta kulak, sin\u00fcs, sin\u00fczit ve geniz eti cerrahisi<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

      Bekleme s\u00fcresi, \u00f6zel veya tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 sat\u0131n al\u0131rken \u00f6nceden ge\u00e7irmi\u015f oldu\u011fun hastal\u0131klar, mevcut hastal\u0131klar\u0131n ve kal\u0131tsal rahats\u0131zl\u0131klar\u0131n tespiti i\u00e7in belirlenmi\u015f s\u00fcredir. Belirtileri hemen ortaya \u00e7\u0131kmayan hastal\u0131klar da bekleme s\u00fcresince takip edilir.  Sa\u011fl\u0131k sigortalar\u0131nda bekleme s\u00fcresi, baz\u0131 hastal\u0131k ve tedavilerin belirli bir s\u00fcre kapsam d\u0131\u015f\u0131nda tutulmas\u0131 anlam\u0131na gelir. Yani bekleme s\u00fcresine tabi hastal\u0131klar\u0131n tedavi masraflar\u0131 […]<\/p>\n","protected":false},"author":1,"featured_media":629,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-372","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-haberler"],"_links":{"self":[{"href":"https:\/\/www.arenkosigorta.com\/index.php?rest_route=\/wp\/v2\/posts\/372","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.arenkosigorta.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.arenkosigorta.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.arenkosigorta.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.arenkosigorta.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=372"}],"version-history":[{"count":3,"href":"https:\/\/www.arenkosigorta.com\/index.php?rest_route=\/wp\/v2\/posts\/372\/revisions"}],"predecessor-version":[{"id":630,"href":"https:\/\/www.arenkosigorta.com\/index.php?rest_route=\/wp\/v2\/posts\/372\/revisions\/630"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.arenkosigorta.com\/index.php?rest_route=\/wp\/v2\/media\/629"}],"wp:attachment":[{"href":"https:\/\/www.arenkosigorta.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=372"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.arenkosigorta.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=372"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.arenkosigorta.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=372"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}