{"id":3725,"date":"2026-10-21T16:49:09","date_gmt":"2026-10-21T14:49:09","guid":{"rendered":"https:\/\/insurancepoland.pl\/?p=3725"},"modified":"2026-10-21T16:49:09","modified_gmt":"2026-10-21T14:49:09","slug":"polonyada-klc-sigortasi-isverenin-mi-yoksa-yabancinin-mi-yukumlulugu","status":"publish","type":"post","link":"https:\/\/insurancepoland.pl\/tr\/poradnik\/prawo-i-przepisy\/ubezpieczenie-klc-w-polsce-obowiazek-pracodawcy-czy-cudzoziemca\/","title":{"rendered":"Polonya\u2019da KLC sigortas\u0131 \u2013 i\u015fverenin mi yoksa yabanc\u0131n\u0131n m\u0131 y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Yabanc\u0131 uyruklu bir ki\u015finin istihdam\u0131 ile oturma belgeleriyle ilgili konular, iki ayr\u0131 sorumluluk alan\u0131n\u0131 olu\u015fturur. \u0130\u015fveren veya ba\u015fka bir \u00f6deme yapan ki\u015fi, s\u00f6z konusu s\u00f6zle\u015fme uygun bir dayanak te\u015fkil ediyorsa, sosyal g\u00fcvenlik bildirimiyle ilgili y\u00fck\u00fcml\u00fcl\u00fckleri yerine getirmekle y\u00fck\u00fcml\u00fcd\u00fcr. \u00d6te yandan, yabanc\u0131 uyruklu ki\u015fi, ikamet ba\u015fvurusunda bulunmaktan ve gerekli sa\u011fl\u0131k masraflar\u0131 teminat\u0131n\u0131 g\u00f6stermekten sorumludur. \u00d6zel KLC poli\u00e7esi gerekli bir belge olabilir; ancak mevzuattan, her i\u015fverenin istihdam etti\u011fi her yabanc\u0131 i\u00e7in b\u00f6yle bir poli\u00e7e sat\u0131n alma y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc do\u011fmamaktad\u0131r. <strong>\u00d6ncelikle s\u00f6zle\u015fmenin t\u00fcr\u00fcn\u00fc, sigorta kapsam\u0131n\u0131 ve belgenin amac\u0131n\u0131 belirlemek \u00e7ok \u00f6nemlidir.<\/strong> Ancak bu hususlar netle\u015ftirildikten sonra, istihdamdan kaynaklanan koruman\u0131n yeterli olup olmayaca\u011f\u0131 ya da sigorta \u015firketinden ayr\u0131 bir teyit belgesinin sunulmas\u0131n\u0131n gerekli olup olmad\u0131\u011f\u0131 de\u011ferlendirilebilir.<\/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<h3 class=\"wp-block-heading\" id=\"spis-tresci\">\u0130\u00e7indekiler tablosu<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#kto-odpowiada\">Yabanc\u0131n\u0131n sigortas\u0131ndan kim sorumludur?<\/a><\/li>\n\n\n\n<li><a href=\"#rodzaj-umowy\">S\u00f6zle\u015fme t\u00fcr\u00fcn\u00fcn \u00f6nemi<\/a><\/li>\n\n\n\n<li><a href=\"#sprawa-pobytowa\">\u0130kamet ile ilgili sigorta<\/a><\/li>\n\n\n\n<li><a href=\"#polisa-klc\">KLC poli\u00e7esinin pratik \u00f6nemi ne zaman ortaya \u00e7\u0131kar?<\/a><\/li>\n\n\n\n<li><a href=\"#checklista\">Durumu ad\u0131m ad\u0131m nas\u0131l kontrol edebilirim?<\/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=\"kto-odpowiada\">Yabanc\u0131n\u0131n sigortas\u0131ndan kim sorumludur?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u201e\u0130\u015fveren mi, yoksa yabanc\u0131 m\u0131?\u201d sorusu, iki ayr\u0131 y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc ilgilendirdi\u011fi i\u00e7in fazla genel bir sorudur. Birincisi, istihdam ve sosyal g\u00fcvenlik mevzuat\u0131ndan kaynaklan\u0131rken, ikincisi ise ge\u00e7ici ikamet ve \u00e7al\u0131\u015fma izni verme i\u015flemleriyle ilgilidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c7al\u0131\u015fana kar\u015f\u0131 <strong>i\u015fveren, prim \u00f6deyen taraft\u0131r<\/strong>. Bir \u00e7al\u0131\u015fan veya i\u015f al\u0131c\u0131s\u0131 zorunlu sigorta kapsam\u0131ndaysa, bildirim \u00f6deme yapan ki\u015fi taraf\u0131ndan yap\u0131l\u0131r. Kural olarak, bunun i\u00e7in <strong>Sigorta y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcn do\u011fmas\u0131ndan itibaren 7 g\u00fcn<\/strong>. Ancak bu, i\u015fin yasal olarak y\u00fcr\u00fct\u00fclmesi ger\u00e7e\u011finin tek ba\u015f\u0131na t\u00fcm formalitelerin yerine getirildi\u011fini teyit etti\u011fi anlam\u0131na gelmez.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sigorta hakk\u0131n\u0131n do\u011fmas\u0131 ile fiili bildirim aras\u0131nda ayr\u0131m yapmak gerekir. <strong>Sigorta hakk\u0131, hen\u00fcz bildirimin ge\u00e7erli oldu\u011funu kan\u0131tlamaz.<\/strong> Bu nedenle, yabanc\u0131 uyruklu ki\u015fi, \u00f6zellikle belgenin ikamet i\u015flemlerinde kullan\u0131lacak olmas\u0131 durumunda, vergi m\u00fckellefinin kendi y\u00fck\u00fcml\u00fcl\u00fcklerini yerine getirdi\u011fine dair bir teyit almal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu kurallardan, i\u015fverenin her zaman \u00f6zel KLC poli\u00e7esi sat\u0131n ald\u0131\u011f\u0131na dair genel bir sonu\u00e7 \u00e7\u0131kar\u0131lmamal\u0131d\u0131r. Belgelerde belirtilen h\u00fck\u00fcmler, \u00f6deme yapan taraf\u0131n bildirim y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc ve ikamet izni ba\u015fvurusunda teminat g\u00f6sterme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc birbirinden ay\u0131rmaktad\u0131r. Bu ayr\u0131m hakk\u0131nda daha fazla bilgi i\u00e7in k\u0131lavuza bak\u0131n\u0131z. <a href=\"https:\/\/insurancepoland.pl\/tr\/rehber\/kanun-ve-yonetmeli%cc%87kler\/yabancilar-kanunu-ve-saglik-sigortasi\/\">Yabanc\u0131lar Kanunu ve sa\u011fl\u0131k sigortas\u0131<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rodzaj-umowy\">S\u00f6zle\u015fme t\u00fcr\u00fcn\u00fcn \u00f6nemi<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00f6zle\u015fme t\u00fcr\u00fc, i\u015fin zorunlu sa\u011fl\u0131k sigortas\u0131 kapsam\u0131na girip girmedi\u011fini belirler. Yasa, sosyal sigorta kapsam\u0131 kriterlerini kar\u015f\u0131layan \u00e7al\u0131\u015fanlar\u0131 ve i\u015f emri s\u00f6zle\u015fmesi veya e\u015fde\u011fer bir hizmet s\u00f6zle\u015fmesi kapsam\u0131nda \u00e7al\u0131\u015fan ki\u015fileri kapsar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"umowa-o-prace\">\u0130\u015f s\u00f6zle\u015fmesi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130\u015f ili\u015fkisi kapsam\u0131nda <strong>\u0130\u015f s\u00f6zle\u015fmesi, tipik bir sigorta kapsam\u0131 olu\u015fturur<\/strong>, i\u015fveren ise beyanname veren taraf olarak hareket eder. \u0130\u015fverenin g\u00f6revi, y\u00fck\u00fcml\u00fcl\u00fck do\u011fdu\u011funda beyannameyi vermektir. Yabanc\u0131 uyruklu ki\u015finin a\u00e7\u0131s\u0131ndan \u00f6nemli olan sadece s\u00f6zle\u015fmeyi imzalamak de\u011fil, ayn\u0131 zamanda beyannamenin verilip verilmedi\u011fini de kontrol etmektir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6rnek: Bir yabanc\u0131, ikamet ba\u015fvurusu i\u00e7in dayanak te\u015fkil eden bir i\u015f s\u00f6zle\u015fmesi kapsam\u0131nda i\u015fe ba\u015flar. \u0130\u015fveren, vergi m\u00fckellefi olarak y\u00fck\u00fcml\u00fcl\u00fcklerini yerine getirir; ancak yabanc\u0131, yine de kendi ba\u015fvurusu yapmak ve gerekli belgeleri sunmakla y\u00fck\u00fcml\u00fcd\u00fcr.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"umowa-zlecenia\">\u0130\u015f S\u00f6zle\u015fmesi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130\u015f emrini yerine getiren ki\u015fi de, yasal ko\u015fullar\u0131 kar\u015f\u0131l\u0131yorsa zorunlu sigorta kapsam\u0131na girebilir. \u0130\u015f emri s\u00f6zle\u015fmesi durumunda sigorta y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcn de\u011ferlendirilmesi, belgenin ad\u0131n\u0131n kendisinden ziyade somut sigorta kapsam\u0131n\u0131n analizini gerektirir. Bu durumun ayr\u0131nt\u0131l\u0131 bir incelemesi makalede yer almaktad\u0131r <a href=\"https:\/\/insurancepoland.pl\/tr\/rehber\/kanun-ve-yonetmeli%cc%87kler\/yabancinin-vekalet-ve-saglik-sozlesmesi\/\">S\u00f6zle\u015fmeli i\u015f ve yabanc\u0131 uyruklular\u0131n sa\u011fl\u0131k sigortas\u0131<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6rnek: \u0130\u015f al\u0131c\u0131, ikamet ve \u00e7al\u0131\u015fma ile ilgili belgeleri sunar. S\u00f6zle\u015fmesinden zorunlu sigortan\u0131n olup olmad\u0131\u011f\u0131n\u0131, sigorta primini \u00f6deyenin kim oldu\u011funu ve bildirimde bulunulup bulunulmad\u0131\u011f\u0131n\u0131 belirlemelidir. \u0130\u015fe ba\u015flaman\u0131n tek ba\u015f\u0131na bu konular\u0131n hepsini \u00e7\u00f6zd\u00fc\u011f\u00fcn\u00fc varsaymamal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Belgeleri teslim etmeden \u00f6nce:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>S\u00f6zle\u015fmede zorunlu sigorta y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc olup olmad\u0131\u011f\u0131n\u0131 belirleyin.<\/li>\n\n\n\n<li>\u00d6demeyi yapan ki\u015finin kim oldu\u011funu teyit edin.<\/li>\n\n\n\n<li>Bildirimin yap\u0131l\u0131p yap\u0131lmad\u0131\u011f\u0131n\u0131 kontrol edin.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"umowa-o-dzielo\">\u0130\u015f S\u00f6zle\u015fmesi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130\u015f s\u00f6zle\u015fmesi durumunda, her durumda KLC poli\u00e7esi sat\u0131n al\u0131nmas\u0131 gerekti\u011fine dair otomatik bir kural uygulanmamal\u0131d\u0131r. Ge\u00e7ici ikamet ve \u00e7al\u0131\u015fma izninin de\u011fi\u015ftirilmesi prosed\u00fcr\u00fcnde, ilgili kurum, i\u015f s\u00f6zle\u015fmesi kapsam\u0131nda \u00e7al\u0131\u015fan ki\u015finin sa\u011fl\u0131k sigortas\u0131na sahip oldu\u011funu do\u011frulayan g\u00fcncel bir belge sunmas\u0131 gerekti\u011fini belirtmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu \u00f6nemli bir pratik ipucu, ancak <strong>\u0130\u015f s\u00f6zle\u015fmesi, belirli bir ikamet prosed\u00fcr\u00fc ba\u011flam\u0131nda de\u011ferlendirilmelidir<\/strong>. Bu \u015fart, tek bir prosed\u00fcrden her t\u00fcrl\u00fc ikamet t\u00fcr\u00fcne ve her t\u00fcrl\u00fc mesleki duruma geni\u015fletilmemelidir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sprawa-pobytowa\">\u0130kamet ile ilgili sigorta<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ge\u00e7ici ikamet ve \u00e7al\u0131\u015fma izni kapsam\u0131nda, yabanc\u0131 uyruklu ki\u015finin sa\u011fl\u0131k sigortas\u0131 ya da Polonya\u2019daki tedavi masraflar\u0131n\u0131n bir sigorta \u015firketi taraf\u0131ndan kar\u015f\u0131lanaca\u011f\u0131na dair bir belgeye sahip olmas\u0131 gerekir. <strong>Bu ko\u015ful, i\u015ften kaynaklanan bir sigorta ile kar\u015f\u0131lanabilir<\/strong>, e\u011fer izin ba\u015fvurusu bu i\u015f temelinde yap\u0131l\u0131yorsa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu, \u00f6zel sigorta poli\u00e7esinin bu \u015fart\u0131 yerine getirmenin otomatik olarak tek yolu olmad\u0131\u011f\u0131 anlam\u0131na gelir. \u00d6ncelikle, istihdam\u0131n uygun bir hak temelini olu\u015fturup olu\u015fturmad\u0131\u011f\u0131n\u0131 ve gerekli formalitelerin yerine getirilip getirilmedi\u011fini kontrol etmek gerekir. G\u00fcvence i\u015ften kaynaklanm\u0131yorsa, s\u00f6z konusu prosed\u00fcr\u00fcn hangi belgeyi gerektirdi\u011fini kontrol etmek gerekir: sa\u011fl\u0131k sigortas\u0131 belgesi mi, yoksa sigorta \u015firketi taraf\u0131ndan tedavi masraflar\u0131n\u0131n kar\u015f\u0131lanaca\u011f\u0131na dair bir teyit mi? KLC poli\u00e7esi, ancak bu prosed\u00fcre ve kendi Genel Sigorta Ko\u015fullar\u0131na (OWU) uygun oldu\u011fu takdirde b\u00f6yle bir teyit niteli\u011fi ta\u015f\u0131yabilir.<\/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>Yabanc\u0131, kendi ad\u0131na ge\u00e7ici ikamet izni ba\u015fvurusunda bulunur.<\/strong> Bunu en ge\u00e7 <strong>Polonya\u2019da yasal ikamet s\u00fcresinin son g\u00fcn\u00fc<\/strong>. \u0130\u015fveren, istihdamla ilgili belgeleri haz\u0131rlayabilir ve \u00f6deme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc yerine getirebilir; ancak bu, yabanc\u0131n\u0131n ba\u015fvuruyu zaman\u0131nda yapma sorumlulu\u011funu \u00fcstlendi\u011fi anlam\u0131na gelmez.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Uygulamada, belgeleri sunmadan \u00f6nce \u00fc\u00e7 bilgiyi bir araya getirmek faydal\u0131d\u0131r: i\u015fin dayana\u011f\u0131, ba\u015fvurunun durumu ve s\u00f6z konusu prosed\u00fcrde gerekli olan belge listesi. <strong>Sigorta belgesinin bulunmamas\u0131 her durumda i\u015fverenin poli\u00e7e sat\u0131n alma y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc anlam\u0131na gelmez.<\/strong> Bunun yerine, bu durum, yabanc\u0131n\u0131n kendi belgelerini ilgili bir teyit belgesiyle tamamlamas\u0131 gerekti\u011fi anlam\u0131na gelebilir.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"polisa-klc\">KLC poli\u00e7esinin pratik \u00f6nemi ne zaman ortaya \u00e7\u0131kar?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">KLC, yabanc\u0131 uyruklular\u0131n tedavi masraflar\u0131n\u0131 kar\u015f\u0131layan \u00f6zel bir sigortad\u0131r. \u0130kamet i\u015flemlerinde bu t\u00fcr bir belge talep edildi\u011finde, Polonya topraklar\u0131nda tedavi masraflar\u0131n\u0131n kar\u015f\u0131land\u0131\u011f\u0131n\u0131 teyit edebilir. Bu konuyla ilgili daha ayr\u0131nt\u0131l\u0131 bilgiyi, bu konuyu ele alan rehberde bulabilirsiniz, <a href=\"https:\/\/insurancepoland.pl\/tr\/rehber\/tedavi-masraflari\/yabanci-bi%cc%87r-ki%cc%87si%cc%87ni%cc%87n-tedavi%cc%87-masrafi-ne-kadardir\/\">Yabanc\u0131lar i\u00e7in KLC sigortas\u0131 nedir?<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Poli\u00e7enin kapsam\u0131 her zaman poli\u00e7e belgelerinde kontrol edilmelidir. Compensa\u2019n\u0131n 2026 tarihli maddesi, sigorta kapsam\u0131n\u0131n, 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 i\u00e7erdi\u011fini belirtmektedir. Bu, a\u015fa\u011f\u0131dakilerle ilgili bir sigorta kapsam\u0131 \u00f6rne\u011fidir: <strong>ani hastal\u0131k, kaza ve gerekli tedavi<\/strong>, ancak bu, t\u00fcm KLC \u00fcr\u00fcnlerinin ayn\u0131 \u015fekilde \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131n bir kan\u0131t\u0131 de\u011fildir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sorumluluk limitleri de ayn\u0131 derecede \u00f6nemlidir. 2020 tarihli Uniqa Genel Sigorta Ko\u015fullar\u0131\u2019na g\u00f6re, sigorta tutar\u0131 ve alt limitler, her bir sigortal\u0131 i\u00e7in sorumluluk \u00fcst s\u0131n\u0131r\u0131n\u0131 olu\u015fturur ve her \u00f6deme, mevcut limiti azalt\u0131r. <strong>Poli\u00e7e limiti, t\u00fckenmez bir b\u00fct\u00e7e de\u011fildir.<\/strong> Bu nedenle, s\u00f6zle\u015fmeyi imzalamadan \u00f6nce, \u00fcr\u00fcn ad\u0131na g\u00fcvenmek yerine, se\u00e7ilen se\u00e7ene\u011fin g\u00fcncel belgesini kontrol etmek gerekir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ayr\u0131 bir k\u0131lavuzda \u015funlar g\u00f6sterilmektedir:, <a href=\"https:\/\/insurancepoland.pl\/tr\/rehber\/tedavi-masraflari\/polonyada-sigortasiz-hastane-yatis-masraflari-fatura-tutari-nasil-belirlenir\/\">Sigortas\u0131z durumlarda hastane masraflar\u0131 nas\u0131l hesaplan\u0131r?<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"checklista\">Durumu ad\u0131m ad\u0131m nas\u0131l kontrol edebilirim?<\/h2>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist 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-itemsklc-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsklc-checklist 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-itemsklc-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsklc-checklist 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-klc-check-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-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-klc-check-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\"><strong>S\u00f6zle\u015fmenin t\u00fcr\u00fcn\u00fc ve i\u00e7eri\u011fini kontrol edin.<\/strong> Bunun bir i\u015f s\u00f6zle\u015fmesi, g\u00f6revlendirme s\u00f6zle\u015fmesi, hizmet s\u00f6zle\u015fmesi mi yoksa i\u015f s\u00f6zle\u015fmesi mi oldu\u011funu belirleyin.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-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-klc-check-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\"><strong>\u00d6demeyi yapan ki\u015finin kim oldu\u011funu teyit edin.<\/strong> \u00c7al\u0131\u015fan s\u00f6z konusu oldu\u011funda bu ki\u015fi i\u015fverendir; di\u011fer durumlarda ise ilgili unvana at\u0131fta bulunulmal\u0131d\u0131r.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-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-klc-check-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\"><strong>Bildirimin yap\u0131ld\u0131\u011f\u0131n\u0131 do\u011frulay\u0131n.<\/strong> \u0130\u015fin yasal oldu\u011fu ya da s\u00f6zle\u015fmenin imzaland\u0131\u011f\u0131 bilgisiyle yetinmeyin.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-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-klc-check-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\"><strong>Belgenin amac\u0131n\u0131 belirleyin.<\/strong> Kendi hesab\u0131na \u00e7al\u0131\u015fma ile ge\u00e7ici ikamet ve \u00e7al\u0131\u015fma izni ba\u015fvurusu, ayr\u0131 ayr\u0131 de\u011ferlendirilmelidir.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-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-klc-check-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\"><strong>G\u00fcncel Genel Sigorta \u015eartlar\u0131n\u0131 ve poli\u00e7eyi okuyun.<\/strong> Koruma kapsam\u0131na, sigorta tutar\u0131na, alt limitlere ve mevcut limitin nas\u0131l azalt\u0131laca\u011f\u0131na dikkat edin.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-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-klc-check-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\">Prosed\u00fcr\u00fcn\u00fczde gerekliyse, sigorta veya tedavi masraflar\u0131n\u0131n kar\u015f\u0131lanaca\u011f\u0131n\u0131 g\u00f6steren belgeyi saklay\u0131n.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">En g\u00fcvenli s\u0131ralama olduk\u00e7a basit: \u00f6nce sigorta unvan\u0131n\u0131n belirlenmesi, ard\u0131ndan ba\u015fvurunun onaylanmas\u0131 ve son olarak da ikamet i\u015flemlerinde gerekli belgelerin de\u011ferlendirilmesi. <strong>Tek bir cevap, t\u00fcm s\u00f6zle\u015fmelere ve ikamet stat\u00fclerine uymaz.<\/strong><\/p>\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-pracodawca-zawsze-musi-kupic-cudzoziemcowi-polise-klc\">\u0130\u015fveren, yabanc\u0131 uyruklu bir \u00e7al\u0131\u015fana her zaman KLC sigortas\u0131 yapt\u0131rmak zorunda m\u0131d\u0131r?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hay\u0131r. Her yabanc\u0131 i\u00e7in \u00f6zel bir sigorta poli\u00e7esi sat\u0131n alma konusunda genel bir zorunluluk yoktur. \u0130\u015fveren, istihdam\u0131n ilgili bir hak do\u011furmas\u0131 durumunda \u00f6deme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc yerine getirir; yabanc\u0131 ise oturma izni ba\u015fvurusunu yapmak ve gerekli belgeleri eklemekle sorumludur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-legalna-praca-oznacza-ze-zgloszenie-zostalo-juz-wykonane\">Yasal \u00e7al\u0131\u015fma, bildirim i\u015fleminin zaten yap\u0131lm\u0131\u015f oldu\u011fu anlam\u0131na m\u0131 gelir?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bunu varsaymamak gerekir. Eserin yarat\u0131lmas\u0131 ile ba\u015fvurunun yap\u0131lmas\u0131 iki farkl\u0131 konudur. <strong>Ba\u015fvurunun onaylanmas\u0131 gerekiyor<\/strong>, \u00f6zellikle de ikamet ba\u015fvurusunda istihdam belgelerinin kullan\u0131lmas\u0131 \u00f6ncesinde.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-przy-umowie-zlecenia-cudzoziemiec-podlega-ubezpieczeniu-zdrowotnemu\">Bir i\u015f s\u00f6zle\u015fmesi kapsam\u0131nda yabanc\u0131 uyruklu bir ki\u015fi sa\u011fl\u0131k sigortas\u0131 kapsam\u0131na girer mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Y\u00fcklenici, sosyal sigorta kapsam\u0131na girme ko\u015fullar\u0131n\u0131 kar\u015f\u0131l\u0131yorsa zorunlu sa\u011fl\u0131k sigortas\u0131na tabidir. De\u011ferlendirme, somut duruma g\u00f6re yap\u0131lmal\u0131d\u0131r. Ayr\u0131nt\u0131l\u0131 a\u00e7\u0131klamalar\u0131 k\u0131lavuzda bulabilirsiniz. <a href=\"https:\/\/insurancepoland.pl\/tr\/rehber\/kanun-ve-yonetmeli%cc%87kler\/yabancilar-kanunu-ve-saglik-sigortasi\/\">Yabanc\u0131lar Kanunu ve sa\u011fl\u0131k sigortas\u0131<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-polisa-klc-zastepuje-obowiazki-pracodawcy\">KLC poli\u00e7esi i\u015fverenin y\u00fck\u00fcml\u00fcl\u00fcklerinin yerine ge\u00e7er mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hay\u0131r. <strong>Sigorta poli\u00e7esi, m\u00fckellefin bildirim y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcn yerine ge\u00e7mez<\/strong>, bu y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn i\u015f ili\u015fkisi kaynakl\u0131 oldu\u011fu durumlarda. Bununla birlikte, belirli bir prosed\u00fcrde talep edilen tedavi masraflar\u0131n\u0131n kar\u015f\u0131land\u0131\u011f\u0131na dair ayr\u0131 bir teyit belgesi olarak da kullan\u0131labilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"na-co-zwrocic-uwage-przed-zakupem-klc\">KLC sat\u0131n almadan \u00f6nce nelere dikkat etmelisiniz?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Belgenin ikamet amac\u0131na uygun olup olmad\u0131\u011f\u0131n\u0131, koruma kapsam\u0131n\u0131n ne oldu\u011funu ve sigorta tutar\u0131 ile alt limitlerin nas\u0131l i\u015fledi\u011fini kontrol edin. Tek bir \u00fcr\u00fcn\u00fcn \u00f6zelliklerini piyasadaki t\u00fcm \u00fcr\u00fcnlere genellemeyin.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130kamet belgeleri i\u00e7in bir sigorta poli\u00e7esine ihtiyac\u0131n\u0131z varsa ve \u00f6zel sigorta sizin durumunuza uygunsa, bu sayfadaki formu kullan\u0131n.<\/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:\/\/insurancepoland.pl\/tr\/bi%cc%87r-yabancinin-saglik-masraflari-kktc\/\">KLC S\u0130GORTASINI \u00c7EVR\u0130M\u0130\u00c7\u0130 SATIN ALIN<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Yabanc\u0131 uyruklu bir ki\u015finin istihdam\u0131 ile oturma belgeleriyle ilgili konular, iki ayr\u0131 sorumluluk alan\u0131n\u0131 olu\u015fturmaktad\u0131r. \u0130\u015fveren veya di\u011fer \u00f6deme yapan ki\u015fi, bildirimle ilgili y\u00fck\u00fcml\u00fcl\u00fckleri vard\u0131r\u2026<\/p>","protected":false},"author":1,"featured_media":3724,"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":[21],"tags":[58,59,54,29],"class_list":["post-3725","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prawo-i-przepisy","tag-obowiazki-pracodawcy","tag-pobyt-cudzoziemca","tag-ubezpieczenie-klc","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>Ubezpieczenie KLC w Polsce: obowi\u0105zek pracodawcy czy cudzoziemca?<\/title>\n<meta name=\"description\" content=\"Dowiedz si\u0119, kto odpowiada za ubezpieczenie KLC w Polsce. 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