{"id":75865,"date":"2023-03-06T03:05:08","date_gmt":"2023-03-06T03:05:08","guid":{"rendered":"https:\/\/haberulus.net\/?p=75865"},"modified":"2023-03-06T03:05:08","modified_gmt":"2023-03-06T03:05:08","slug":"saglik-sigortalarinin-deprem-teminati-yok","status":"publish","type":"post","link":"https:\/\/haberulus.net\/?p=75865","title":{"rendered":"Sa\u011fl\u0131k sigortalar\u0131n\u0131n deprem teminat\u0131 yok"},"content":{"rendered":"

Kahramanmara\u015f <\/strong>depremi, on binlerce can kayb\u0131na ve y\u00fczbinlerce vatanda\u015f\u0131n yaralanmas\u0131na neden olurken, \u00fclke geneli i\u00e7in uzmanlar\u0131n yapt\u0131\u011f\u0131 yeni deprem uyar\u0131lar\u0131 binalardan sa\u011fl\u0131k sistemine bir dizi d\u00fczenlemenin de gereklili\u011fini ortaya koydu. Bu s\u00fcre\u00e7te \u00f6zellikle sa\u011fl\u0131k ve sigorta sekt\u00f6r\u00fc \u00f6ne \u00e7\u0131karken, deprem, sel, ter\u00f6r gibi afetleri kapsam d\u0131\u015f\u0131 b\u0131rakan tamamlay\u0131c\u0131 ba\u015fta olmak \u00fczere \u00f6zel sa\u011fl\u0131k sigortas\u0131 mevzuat\u0131 da tart\u0131\u015fma konusu oldu.<\/p>\n

METROPOLLERDE DURUM DE\u011e\u0130\u015e\u0130R<\/strong><\/p>\n

Konuyla ilgili g\u00f6r\u00fc\u015ft\u00fc\u011f\u00fcm\u00fcz bir sekt\u00f6r temsilcisi, genel \u015fartlar \u00e7er\u00e7evesinde \u00f6zel sa\u011fl\u0131k sigortalar\u0131n\u0131n depremde meydana gelen yaralanmalar\u0131 \u00f6demedi\u011fini, 1999 y\u0131l\u0131ndaki Kocaeli depremi ve Kahramanmara\u015f depreminde de sigortal\u0131 say\u0131s\u0131 az oldu\u011fu i\u00e7in, \u015firketlerin g\u00f6n\u00fcll\u00fc olarak \u00f6deme yapt\u0131\u011f\u0131n\u0131 kaydetti. Ancak \u0130stanbul ve \u0130zmir gibi metropollerde olu\u015fabilecek bir depremde durumun farkl\u0131la\u015fabilece\u011fine dikkat \u00e7eken sekt\u00f6r temsilcisi, \u00f6zel sa\u011fl\u0131k sigortalar\u0131n\u0131n depremde meydana gelen yaralanmalar\u0131 \u00f6dememesinin b\u00fcy\u00fck g\u00fcvensizlik yarataca\u011f\u0131na burada genel \u015fartlarda d\u00fczenlemeye gidilmesi gerekti\u011fine dikkat \u00e7ekti.<\/p>\n

TEM\u0130NAT DI\u015eI HALLER<\/strong><\/p>\n

Sa\u011fl\u0131k sigortalar\u0131 genel \u015fartlar maddelerine g\u00f6re \u2018aksine s\u00f6zle\u015fme yoksa teminat d\u0131\u015f\u0131nda kalan haller’ kapsam\u0131na \u2018Deprem, sel, yanarda\u011f p\u00fcsk\u00fcrmesi ve yer kaymas\u0131’ gibi durumlar giriyor. T\u00fcrkiye Sigortalar Birli\u011fi taraf\u0131ndan yap\u0131lan a\u00e7\u0131klamada deprem b\u00f6lgesinde ilk hesaplara g\u00f6re toplamda t\u00fcm sekt\u00f6r olarak 20 milyar TL’nin \u00fczerinde hasar \u00f6denece\u011fi tahmin edildi.<\/p>\n

\u015eirketler sigorta kapsam\u0131na ald\u0131<\/span><\/b><\/p>\n

Konuyla ilgili g\u00f6r\u00fc\u015flerine ba\u015fvurdu\u011fumuz T\u00fcrkiye Sigortalar Birli\u011fi deprem, sel gibi do\u011fal afetlerin tamamlay\u0131c\u0131 ve \u00f6zel sa\u011fl\u0131k sigortalar\u0131nda mevzuat gere\u011fi ek s\u00f6zle\u015fme ile teminat kapsam\u0131na al\u0131nabildi\u011fine dikkat \u00e7ekti.<\/p>\n

A\u00e7\u0131klamada sekt\u00f6r\u00fcn burada vatanda\u015f\u0131n yan\u0131nda oldu\u011funa dikkat \u00e7ekilerek, \u201cAncak gerek 1999 G\u00f6lc\u00fck depremi ve di\u011fer depremler sonras\u0131nda, gerekse Covid-19 salg\u0131n\u0131 s\u00fcrecinde g\u00f6r\u00fcld\u00fc\u011f\u00fc gibi, sekt\u00f6r\u00fcm\u00fcz her durumda sigortal\u0131lar\u0131n\u0131n yan\u0131nda olup teminat kapsam\u0131nda olmamas\u0131na ve bu risk i\u00e7in prim al\u0131nmam\u0131\u015f olmas\u0131na ra\u011fmen sa\u011fl\u0131k sigortalar\u0131nda ilgili tedavi giderlerini \u00fcstlenerek \u00f6deme yapm\u0131\u015ft\u0131r. Yak\u0131n zamanda ya\u015fad\u0131\u011f\u0131m\u0131z Kahramanmara\u015f depremine ili\u015fkin olarak da, \u00fcyemiz sa\u011fl\u0131k sigortas\u0131 \u015firketleri benzer \u015fekilde inisiyatif alarak tedavi giderlerini tamamlay\u0131c\u0131 ve \u00f6zel sa\u011fl\u0131k sigortalar\u0131 kapsam\u0131nda kar\u015f\u0131lamaktad\u0131r\u201d denildi.<\/p>\n","protected":false},"excerpt":{"rendered":"

Sa\u011fl\u0131k sigortalar\u0131nda mevzuat gere\u011fi depremle ilgili tedaviler ek s\u00f6zle\u015fme ile kapsama al\u0131n\u0131yor. Buna ra\u011fmen sigorta \u015firketleri sa\u011fl\u0131k giderleri i\u00e7in \u00f6deme yapt\u0131.<\/p>\n","protected":false},"author":1,"featured_media":75866,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[1958,9690,177,1837,783],"class_list":["post-75865","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-deprem","tag-kapsam","tag-saglik","tag-sektor","tag-sigorta"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/75865","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=75865"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/75865\/revisions"}],"predecessor-version":[{"id":75867,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/75865\/revisions\/75867"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/75866"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=75865"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=75865"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=75865"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}