{"id":3734,"date":"2026-11-02T13:14:06","date_gmt":"2026-11-02T12:14:06","guid":{"rendered":"https:\/\/insurancepoland.pl\/?p=3734"},"modified":"2026-11-02T13:14:06","modified_gmt":"2026-11-02T12:14:06","slug":"klc-policesindeki-kendi-payi-tedavi-ucretini-nasil-etkiler","status":"publish","type":"post","link":"https:\/\/insurancepoland.pl\/tr\/poradnik\/faq-i-porady\/udzial-wlasny-w-polisie-klc-jak-wplywa-na-oplate-za-leczenie\/","title":{"rendered":"KLC poli\u00e7esindeki muafiyet \u2013 tedavi \u00fccretini nas\u0131l etkiler?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Kendi pay\u0131 ve muafiyet, acil bir durumun ard\u0131ndan kabul edilen masraflar\u0131n bir k\u0131sm\u0131n\u0131n sigortal\u0131 taraf\u0131ndan \u00f6denip \u00f6denmeyece\u011fini belirleyebilir. Ancak, bu t\u00fcr bir d\u00fczenlemenin t\u00fcm yabanc\u0131lar\u0131n tedavi masraflar\u0131n\u0131 kapsayan poli\u00e7elerde ge\u00e7erli oldu\u011fu varsay\u0131lmamal\u0131d\u0131r. <strong>Bu, her KLC poli\u00e7esinin otomatik bir \u00f6zelli\u011fi de\u011fildir<\/strong>. Genel Sigorta Ko\u015fullar\u0131\u2019ndaki belirli h\u00fck\u00fcmler, se\u00e7ilen se\u00e7enek ve poli\u00e7e belgesine girilen bilgiler belirleyicidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu nedenle, sat\u0131n almadan \u00f6nce sadece sigorta tutar\u0131n\u0131 kontrol etmek yeterli de\u011fildir. S\u00f6zle\u015fmede muafiyet veya kendi pay\u0131 \u00f6ng\u00f6r\u00fcl\u00fcp \u00f6ng\u00f6r\u00fclmedi\u011fini, bunlar\u0131n tam olarak neyi kapsad\u0131\u011f\u0131n\u0131 ve nas\u0131l hesapland\u0131\u011f\u0131n\u0131 belirlemek gerekir. A\u015fa\u011f\u0131da bu kavramlar\u0131 a\u00e7\u0131kl\u0131yoruz; ancak bunlar\u0131 t\u00fcm tekliflere genelle\u015ftirmeden ve belgelenmemi\u015f oranlar belirtmeden.<\/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\">\u0130\u00e7indekiler tablosu<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n\n<li><a href=\"#udzial-wlasny-i-franszyza\">Kendi pay\u0131 ve muafiyet \u2013 bunlar ne anlama geliyor?<\/a><\/li>\n\n\n<li><a href=\"#wplyw-na-rozliczenie\">B\u00f6yle bir kay\u0131t, hesaplamay\u0131 nas\u0131l etkileyebilir?<\/a><\/li>\n\n\n<li><a href=\"#przyklady-rozliczenia\">Tek bir ziyaret ve birka\u00e7 hizmet i\u00e7eren, kota s\u0131n\u0131rlamas\u0131 olmayan \u00f6rnekler<\/a><\/li>\n\n\n<li><a href=\"#co-porownac\">Genel \u015eartlar ve poli\u00e7e belgesinde neleri kar\u015f\u0131la\u015ft\u0131rmal\u0131?<\/a><\/li>\n\n\n<li><a href=\"#faq\">En s\u0131k sorulan sorular<\/a><\/li>\n\n\n<li><a href=\"#decyzja-przed-zakupem\">Sat\u0131n almadan \u00f6nce nas\u0131l karar vermeliyim?<\/a><\/li>\n\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"udzial-wlasny-i-franszyza\">Kendi pay\u0131 ve muafiyet \u2013 bunlar ne anlama geliyor?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Muafiyet, masraflar\u0131n belirli bir k\u0131sm\u0131n\u0131n sigortal\u0131ya ait kalabilece\u011fini \u00f6ng\u00f6ren bir s\u00f6zle\u015fme h\u00fckm\u00fcd\u00fcr. Hesaplanma \u015fekli keyfi de\u011fildir; belirli bir s\u00f6zle\u015fmenin yap\u0131s\u0131na ba\u011fl\u0131 olabilir. Bu nedenle, kilit \u00f6neme sahip olan husus <strong>Genel Sigorta Ko\u015fullar\u0131\u2019nda (OWU) yer alan kesin tan\u0131m<\/strong>, bilgilendirme materyallerinde \u201ekendi katk\u0131s\u0131\u201d ifadesinin sadece yer almas\u0131 de\u011fil.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Franchise de s\u00f6zle\u015fmede tan\u0131mlanan bir s\u0131n\u0131rlamad\u0131r, ancak etkisi ilgili maddeden \u00e7\u0131kar\u0131lmal\u0131d\u0131r. Hesaplama a\u00e7\u0131s\u0131ndan \u00f6nemli bir ko\u015ful veya e\u015fik belirleyebilir, ancak bu terimin kendisi, sigortac\u0131n\u0131n masraf\u0131 kar\u015f\u0131lay\u0131p kar\u015f\u0131lamayaca\u011f\u0131n\u0131 ve hangi \u00f6l\u00e7\u00fcde kar\u015f\u0131layaca\u011f\u0131n\u0131 hen\u00fcz belirtmez. Tan\u0131mlar\u0131 kontrol etmeden bu kavramlar\u0131 birbirinin yerine kullanmamak gerekir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dolay\u0131s\u0131yla, en \u00f6nemli pratik fark, kelimelerin genel anlam\u0131ndan de\u011fil, \u00fc\u00e7 temel sorunun yan\u0131t\u0131ndan kaynaklanmaktad\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n\n<li>maliyetin ne kadarl\u0131k bir k\u0131sm\u0131 sigortal\u0131ya y\u00fcklenebilir;<\/li>\n\n\n<li>s\u00f6z konusu k\u0131s\u0131tlaman\u0131n ne zaman uyguland\u0131\u011f\u0131;<\/li>\n\n\n<li>neye at\u0131fta bulunuldu\u011fu: bir olaya, tek bir hizmete, faturaya m\u0131 yoksa s\u00f6zle\u015fmede belirtilen ba\u015fka bir birime mi.<\/li>\n\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bilgiler hem Genel \u015eartlar\u2019da hem de <strong>se\u00e7ilen se\u00e7ene\u011fi teyit eden poli\u00e7e belgesinde<\/strong>. Bu belgeler herhangi bir maddeye veya eklere at\u0131fta bulunuyorsa, bunlar\u0131n da okunmas\u0131 gerekir. \u00dcr\u00fcn\u00fcn genel a\u00e7\u0131klamas\u0131 tek ba\u015f\u0131na, ek \u00fccretin uygulanmayaca\u011f\u0131na dair bir garanti sa\u011flamaz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"wplyw-na-rozliczenie\">B\u00f6yle bir kay\u0131t, hesaplamay\u0131 nas\u0131l etkileyebilir?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6ncelikle sigorta \u015firketi, s\u00f6zle\u015fme \u015fartlar\u0131na g\u00f6re olay\u0131 ve bildirilen masraflar\u0131 de\u011ferlendirir. Ancak bu hesaplama kapsam\u0131nda poli\u00e7ede belirtilen s\u0131n\u0131rlamalar \u00f6nem kazanabilir. Muafiyet, masraf\u0131n kabul edilmesinden sonra <strong>hesaplaman\u0131n bir k\u0131sm\u0131 sigortal\u0131ya aittir<\/strong>. Fran\u015fizde kilit nokta, s\u00f6zle\u015fmenin bu ko\u015fulun nas\u0131l uygulanaca\u011f\u0131n\u0131 ve bu ko\u015fulun yerine getirilmesi ya da getirilmemesinin ne gibi sonu\u00e7lar do\u011furaca\u011f\u0131n\u0131 nas\u0131l tan\u0131mlad\u0131\u011f\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu mekanizman\u0131n t\u00fcm olay i\u00e7in tek seferlik olarak uygulanaca\u011f\u0131 \u00f6nceden kesin olarak s\u00f6ylenemez. S\u00f6zle\u015fmede farkl\u0131 bir hesaplama birimi kullan\u0131labilir. Bu nedenle, sat\u0131n almadan \u00f6nce s\u0131n\u0131rlaman\u0131n tek bir olay, tek bir fatura, tek bir hizmet mi yoksa t\u00fcm teminat s\u00fcresi mi i\u00e7in ge\u00e7erli oldu\u011fu sorusuna yan\u0131t veren maddeyi bulmak gerekir. Ayn\u0131 acil durumla ilgili birka\u00e7 masraf s\u00f6z konusu oldu\u011funda, nihai sonucu belirleyen tam da bu ayr\u0131nt\u0131 olabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ayr\u0131ca, kendi pay\u0131 ve muafiyetin di\u011fer h\u00fck\u00fcmlerden ayr\u0131lmas\u0131 gerekir. Sorumluluk muafiyeti, belirli bir masrafa ili\u015fkin s\u0131n\u0131r ve sigorta tutar\u0131 ayn\u0131 mekanizma de\u011fildir. 2026 tarihli Compensa Cudzoziemiec Genel Sigorta \u015eartlar\u0131\u2019nda, tazminat \u00f6demesi ko\u015fullar\u0131 ile sorumluluk s\u0131n\u0131rlamalar\u0131 ve muafiyetleri ayr\u0131 h\u00fck\u00fcmler alt\u0131nda d\u00fczenlenmi\u015ftir. Bu \u00f6rnek, neden <strong>Her t\u00fcr k\u0131s\u0131tlama ayr\u0131 ayr\u0131 kontrol edilmelidir<\/strong>. Ancak bu, s\u00f6z konusu \u00fcr\u00fcnde kendi pay\u0131 veya muafiyet tutar\u0131 bulundu\u011funu kan\u0131tlamaz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6ncelikle temel kavramlar\u0131 netle\u015ftirmek istiyorsan\u0131z, \u015funu okuyun <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\/\">KLC sigortas\u0131 nas\u0131l i\u015fliyor?<\/a>. Bunun yan\u0131 s\u0131ra, bunun nas\u0131l g\u00f6r\u00fcnebilece\u011fini de kontrol etmekte fayda var <a href=\"https:\/\/insurancepoland.pl\/tr\/rehber\/tedavi-masraflari\/polonyada-sigortasiz-hastane-yatis-masraflari-fatura-tutari-nasil-belirlenir\/\">Sigortas\u0131z hastane yat\u0131\u015f masraflar\u0131<\/a>, hizmet bedelini poli\u00e7e hesaplama kurallar\u0131yla kar\u0131\u015ft\u0131rmamak i\u00e7in.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"przyklady-rozliczenia\">Tek bir ziyaret ve birka\u00e7 hizmet i\u00e7eren, kota s\u0131n\u0131rlamas\u0131 olmayan \u00f6rnekler<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A\u015fa\u011f\u0131daki senaryolar yaln\u0131zca mekanizmay\u0131 anlamaya y\u00f6neliktir. Bu senaryolarda belirli tutarlar yer almamaktad\u0131r ve belirli bir \u00fcr\u00fcn\u00fcn kullan\u0131lmas\u0131 \u00f6ng\u00f6r\u00fclmemektedir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jedna-pilna-konsultacja-po-naglym-zdarzeniu\">Acil bir olay\u0131n ard\u0131ndan tek bir acil kons\u00fcltasyon<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bir yabanc\u0131, ani bir hastal\u0131k nedeniyle acil yard\u0131ma ihtiya\u00e7 duymaktad\u0131r. Tesis, muayene i\u00e7in fatura d\u00fczenler. Se\u00e7ilen s\u00f6zle\u015fmede bu t\u00fcr bir faturaya ili\u015fkin bir muafiyet \u00f6ng\u00f6r\u00fcl\u00fcyorsa, sigortal\u0131, kabul edilen masraf\u0131n bir k\u0131sm\u0131n\u0131 kar\u015f\u0131layabilir ve kalan k\u0131s\u0131m, sigorta kapsam\u0131 ko\u015fullar\u0131na g\u00f6re kar\u015f\u0131lanabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu, \u00f6deme vaadi veya belirli bir teklifin a\u00e7\u0131klamas\u0131 de\u011fildir.<\/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>Bu varsay\u0131msal bir \u00f6rnektir<\/strong><\/p>\n\n\n<p class=\"wp-block-paragraph\">Ger\u00e7ek sonu\u00e7, teminat kapsam\u0131na, olay\u0131n ko\u015fullar\u0131na, yard\u0131m\u0131n organize edilme \u015fekline ve poli\u00e7e h\u00fck\u00fcmlerine ba\u011fl\u0131d\u0131r.<\/p>\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"kilka-swiadczen-zwiazanych-z-jednym-zdarzeniem\">Tek bir olayla ilgili birka\u00e7 yard\u0131m<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kaza sonras\u0131nda t\u0131bbi yard\u0131m, gerekirse hastaneye yat\u0131\u015f ve t\u0131bbi nakil hizmetlerinin sa\u011flanmas\u0131 zorunludur. S\u00f6zle\u015fmede muafiyet veya kendi pay\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyse, bu s\u0131n\u0131rlaman\u0131n yaln\u0131zca bir kez uygulanaca\u011f\u0131 varsay\u0131lmamal\u0131d\u0131r. Kontrol edilmelidir <strong>s\u00f6zle\u015fmede belirtilen hesaplama birimi<\/strong> ve tek bir olaydan kaynaklanan birka\u00e7 maliyetin nas\u0131l ele al\u0131naca\u011f\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bir varsay\u0131msal modelde, s\u00f6zle\u015fme bu mekanizmay\u0131 t\u00fcm olaya uygulayabilir. Ba\u015fka bir modelde ise bunu belirli faturalara veya hizmetlere ba\u011flayabilir. \u00d6rnekler, Genel \u015eartlar\u2019a y\u00f6neltilebilecek olas\u0131 sorular\u0131 g\u00f6stermektedir ve <strong>sunulan hi\u00e7bir se\u00e7ene\u011fin kurallar\u0131n\u0131 kesin olarak belirlemezler<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"koszt-ponizej-albo-powyzej-warunku-opisanego-w-umowie\">Muafiyet ko\u015fulunun i\u015fleyi\u015fi nas\u0131ld\u0131r?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Belgede \u201cmuafiyet\u201d kavram\u0131 kullan\u0131l\u0131yorsa, bunun uygulanma ko\u015fullar\u0131n\u0131 ve bu ko\u015fulun yerine getirilmesi ya da getirilmemesinin sonu\u00e7lar\u0131n\u0131 kontrol edin. Sigortac\u0131n\u0131n bu durumda t\u00fcm masraflar\u0131 kar\u015f\u0131layaca\u011f\u0131n\u0131 ya da her zaman masraflar\u0131n belirli bir k\u0131sm\u0131n\u0131 d\u00fc\u015fece\u011fini otomatik olarak varsaymamak gerekir. Sonu\u00e7, s\u00f6zle\u015fme metninden a\u00e7\u0131k\u00e7a anla\u015f\u0131lmal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Her senaryoda \u00f6ncelikle olay\u0131n sigorta kapsam\u0131na girip girmedi\u011fi kontrol edilir. Ancak bundan sonra kabul edilen masraflar\u0131n nas\u0131l hesaplanaca\u011f\u0131 analiz edilebilir. KLC poli\u00e7esi, acil durumlarda koruma sa\u011flamak amac\u0131yla tasarlanm\u0131\u015ft\u0131r ve vize veya oturma izni ba\u015fvurular\u0131nda gerekli bir belge olarak kullan\u0131labilir; bu poli\u00e7e, s\u0131n\u0131rs\u0131z bir sa\u011fl\u0131k aboneli\u011fi olarak de\u011ferlendirilmemelidir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-porownac\">Genel \u015eartlar ve poli\u00e7e belgesinde neleri kar\u015f\u0131la\u015ft\u0131rmal\u0131?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00f6zle\u015fmeyi imzalamadan \u00f6nce, Genel \u015eartlar ve Ko\u015fullar\u0131, se\u00e7ti\u011finiz se\u00e7ene\u011fe ait belgeyi ve belirtilen t\u00fcm maddeleri ayn\u0131 anda a\u00e7\u0131n. Ard\u0131ndan k\u0131sa kontrol listesini g\u00f6zden ge\u00e7irin.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items53a82c-checklist-klc:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items53a82c-checklist-klc 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-items53a82c-checklist-klc ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items53a82c-checklist-klc .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items53a82c-checklist-klc ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items53a82c-checklist-klc 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-items53a82c-checklist-klc ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items53a82c-checklist-klc .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items53a82c-checklist-klc ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items53a82c-checklist-klc .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items53a82c-checklist-klc 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-53a82c-check-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-53a82c-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-53a82c-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>Tan\u0131mlar:<\/strong> \u201cKendi pay\u0131\u201d, \u201cmuafiyet\u201d, \u201csigorta olay\u0131\u201d ve \u201csigorta tazminat\u0131\u201d terimlerinin tam anlamlar\u0131n\u0131 bulun.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-53a82c-check-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-53a82c-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-53a82c-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>Kapsam:<\/strong> Bu h\u00fck\u00fcmlerin hangi masraflar\u0131 ve durumlar\u0131 kapsad\u0131\u011f\u0131n\u0131 belirleyin.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-53a82c-check-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-53a82c-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-53a82c-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>Hesaplama y\u00f6ntemi:<\/strong> Hesaplaman\u0131n temelini ve k\u0131s\u0131tlaman\u0131n hangi birime ili\u015fkin oldu\u011funu kontrol edin.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-53a82c-check-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-53a82c-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-53a82c-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>S\u0131kl\u0131k:<\/strong> Bu kayd\u0131n tek seferlik mi oldu\u011fu yoksa birka\u00e7 hesaplamada ge\u00e7erli olup olmayaca\u011f\u0131n\u0131 kontrol edin.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-53a82c-check-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-53a82c-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-53a82c-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>Se\u00e7enek ve h\u00fck\u00fcmler:<\/strong> Ger\u00e7ekten se\u00e7ti\u011finiz sigorta t\u00fcr\u00fcne ait belgeleri okudu\u011funuzdan emin olun.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-53a82c-check-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-53a82c-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-53a82c-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\"><strong>Poli\u00e7e belgesi:<\/strong> Burada belirtilen parametreleri ve bunlara kar\u015f\u0131l\u0131k gelen Genel \u015eartlar ve Ko\u015fullar h\u00fck\u00fcmlerini kontrol edin.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-53a82c-check-7 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-53a82c-check-7 .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-53a82c-check-7 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>Olay sonras\u0131 prosed\u00fcr:<\/strong> \u0130leti\u015fim kurallar\u0131, yard\u0131m organizasyonu ve tazminat talebinde bulunma prosed\u00fcrlerini inceleyin.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Belgede tek bir ba\u015fl\u0131k bulmak yeterli de\u011fildir. K\u0131s\u0131tlamalara, istisnalara ve yard\u0131m tutar\u0131n\u0131n belirlenmesine ili\u015fkin kurallara yap\u0131lan at\u0131flar\u0131 dikkatle incelemelisiniz. H\u00fck\u00fcm belirsizse, sat\u0131n almadan \u00f6nce a\u00e7\u0131klama isteyin ve ald\u0131\u011f\u0131n\u0131z cevab\u0131 belgelerle birlikte saklay\u0131n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Uygun bir koruma se\u00e7erken resmi gereklilikler de \u00f6nemlidir. \u015eu sayfada <a href=\"https:\/\/insurancepoland.pl\/tr\/vi%cc%87ze-si%cc%87gortasi\/\">vize i\u00e7in sa\u011fl\u0131k masraflar\u0131 sigortas\u0131<\/a> Vize belgelerini haz\u0131rlayan ki\u015filer i\u00e7in \u00f6zel olarak tasarlanm\u0131\u015f bir \u00e7\u00f6z\u00fcm bulacaks\u0131n\u0131z. \u0130kamet ba\u015fvurusu yap\u0131yorsan\u0131z, \u015funu kontrol edin: <a href=\"https:\/\/insurancepoland.pl\/tr\/ikamet-karti-icin-sigorta\/\">ikamet kart\u0131 i\u00e7in sigorta<\/a>. Bu sayfalar, ilgili poli\u00e7enin Genel Sigorta Ko\u015fullar\u0131\u2019n\u0131 okumak yerine ge\u00e7mez.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"dokumenty-potrzebne-po-zdarzeniu\">Olay sonras\u0131nda gerekli belgeler<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Gereklilikler s\u00f6zle\u015fmeye g\u00f6re de\u011fi\u015fir. UNIQA\u2019n\u0131n 2020 tarihli Yabanc\u0131lar\u0131n T\u0131bbi Masraflar\u0131 Sigortas\u0131 Genel \u015eartlar\u0131\u2019nda, tazminat talebinde bulunurken, di\u011ferlerinin yan\u0131 s\u0131ra poli\u00e7e numaras\u0131, olay\u0131n a\u00e7\u0131klamas\u0131, tan\u0131 ve \u00f6nerilen tedaviyi i\u00e7eren t\u0131bbi rapor ile masraf belgelerinin sunulmas\u0131 gerekti\u011fi belirtilmektedir. Bu, tek bir Genel \u015eartlar belgesindeki gerekliliklere ili\u015fkin bir \u00f6rnektir; t\u00fcm poli\u00e7eler i\u00e7in ge\u00e7erli ortak bir liste de\u011fildir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2026 tarihli Compensa Yabanc\u0131 Uyruklular Genel Sigorta \u015eartlar\u0131, hasar\u0131n ko\u015fullar\u0131n\u0131n ve tutar\u0131n\u0131n belirlenmesinde gerekli olan kan\u0131tlar\u0131n, t\u0131bbi belgeler dahil olmak \u00fczere, sunulmas\u0131n\u0131 \u00f6ng\u00f6rmektedir. Sigorta \u015firketi, tazminat talebini de\u011ferlendirmek amac\u0131yla gerekli t\u0131bbi bilgileri elde etmek i\u00e7in yaz\u0131l\u0131 izin de isteyebilir. Uygulamada, \u015funlara dikkat etmekte fayda vard\u0131r: <strong>poli\u00e7e numaras\u0131n\u0131 ve t\u0131bbi belgeleri saklay\u0131n<\/strong> ve hasar bildirimiyle ilgili talimatlara uymak.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">En s\u0131k sorulan sorular<\/h2>\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-kazda-polisa-klc-ma-udzial-wlasny\">Her KLC poli\u00e7esinde muafiyet var m\u0131?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">B\u00f6yle bir varsay\u0131mda bulunulmamal\u0131d\u0131r. Kendi pay\u0131n\u0131n varl\u0131\u011f\u0131, ilgili s\u00f6zle\u015fmenin belgelerinde teyit edilmelidir. E\u011fer bu konuda net bir h\u00fck\u00fcm bulam\u0131yorsan\u0131z, poli\u00e7eyi imzalamadan \u00f6nce bu konuyu sorunuz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-franszyza-zawsze-oznacza-doplate-tej-samej-wielkosci\">Franchise her zaman ayn\u0131 tutarda ek \u00f6deme anlam\u0131na m\u0131 gelir?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Bunu sadece ismine bakarak belirlemek m\u00fcmk\u00fcn de\u011fildir. Muafiyetin anlam\u0131, uygulanma ko\u015fulu ve etkisi, Genel Sigorta Ko\u015fullar\u0131\u2019ndan ve poli\u00e7e belgesinden anla\u015f\u0131lmal\u0131d\u0131r. Bu bilgiler olmadan, hesaplama y\u00f6ntemini do\u011fru bir \u015fekilde belirtmek m\u00fcmk\u00fcn de\u011fildir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-udzial-wlasny-nalicza-sie-do-kazdej-uslugi-osobno\">Kendi pay\u0131 her hizmet i\u00e7in ayr\u0131 ayr\u0131 hesaplan\u0131yor mu?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Bu, s\u00f6zle\u015fmede belirtilen hesaplama birimine ba\u011fl\u0131d\u0131r. \u0130lgili h\u00fckm\u00fcn belirli bir olaya, faturaya, hizmete veya belirtilen ba\u015fka bir esasa at\u0131fta bulunup bulunmad\u0131\u011f\u0131n\u0131 kontrol etmek gerekir. <strong>Do\u011frulama yapmadan her hizmet i\u00e7in otomatik \u00fccretlendirme uygulamas\u0131n\u0131 devreye sokmay\u0131n<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-wysoka-suma-ubezpieczenia-wyklucza-doplate\">Y\u00fcksek sigorta tutar\u0131, ek \u00f6deme yap\u0131lmas\u0131n\u0131 engeller mi?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Sigorta tutar\u0131 tek ba\u015f\u0131na, muafiyet veya kendi pay\u0131 ile ilgili soruyu yan\u0131tlamaz. Tutar, limitler, istisnalar ve masraflar\u0131n hesaplanma kurallar\u0131 ayr\u0131 ayr\u0131 kontrol edilmelidir. <strong>Tek bir olumlu \u015fart, s\u00f6zle\u015fmenin tamam\u0131n\u0131n analizinin yerini tutmaz<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-sprawdzic-gdy-kilka-swiadczen-wynika-z-jednego-zdarzenia\">Tek bir olaydan kaynaklanan birka\u00e7 yard\u0131m s\u00f6z konusu oldu\u011funda nelere dikkat edilmelidir?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Birka\u00e7 hizmetin toplu olarak m\u0131 yoksa ayr\u0131 ayr\u0131 m\u0131 faturaland\u0131r\u0131laca\u011f\u0131n\u0131 belirlemek i\u00e7in, olay\u0131n tan\u0131m\u0131, maliyetlerin birle\u015ftirilmesine ili\u015fkin kurallar ile s\u0131n\u0131rlaman\u0131n hesaplanma birimi ve s\u0131kl\u0131\u011f\u0131na dair h\u00fck\u00fcmler incelenmelidir. Bu h\u00fck\u00fcmler olmadan, faturaland\u0131rma konusunu kesin olarak karara ba\u011flamak m\u00fcmk\u00fcn de\u011fildir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-przed-zakupem-mozna-otrzymac-pewnosc-ze-nie-bedzie-zadnej-doplaty\">Sat\u0131n almadan \u00f6nce, herhangi bir ek \u00fccret \u00f6demeyece\u011finden emin olabilir miyim?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">B\u00f6yle bir g\u00fcvence, belirli bir model ve belge seti i\u00e7in kesin bir teyit gerektirir. Bu g\u00fcvence, \u00fcr\u00fcn\u00fcn genel tan\u0131m\u0131ndan \u00e7\u0131kar\u0131lmamal\u0131d\u0131r. <strong>Genel Sigorta Ko\u015fullar\u0131n\u0131, poli\u00e7eyi ve ilgili maddeleri kar\u015f\u0131la\u015ft\u0131r\u0131n<\/strong>, sadece fiyat\u0131 veya model ad\u0131n\u0131 de\u011fil.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"decyzja-przed-zakupem\">Sat\u0131n almadan \u00f6nce nas\u0131l karar vermeliyim?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En g\u00fcvenli ad\u0131mlar s\u0131ras\u0131 olduk\u00e7a basittir: seyahat amac\u0131n\u0131za uygun teminat\u0131 se\u00e7in, tan\u0131mlar\u0131 dikkatlice inceleyin, limitlerin hesaplanma \u015feklini belirleyin ve ard\u0131ndan bu h\u00fck\u00fcmleri poli\u00e7e metniyle kar\u015f\u0131la\u015ft\u0131r\u0131n. Sadece muafiyet veya kendi pay\u0131n\u0131z\u0131n olup olmad\u0131\u011f\u0131na de\u011fil, ayn\u0131 zamanda <strong>kapsam\u0131, birimi ve kullan\u0131m s\u0131kl\u0131\u011f\u0131<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Belgeler net bir cevap vermiyorsa, eksiklikleri varsay\u0131mlarla doldurmaya \u00e7al\u0131\u015fmay\u0131n. Sigorta primini \u00f6demeden \u00f6nce belirli bir maddenin a\u00e7\u0131klanmas\u0131n\u0131 isteyin. B\u00f6ylelikle, acil bir durum ya\u015fand\u0131\u011f\u0131nda hangi ko\u015fullar\u0131n \u00f6nem kazanabilece\u011fini ve hangi belgeleri saklaman\u0131z gerekti\u011fini bileceksiniz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mevcut se\u00e7enekleri incelemek ve kendi verilerinize g\u00f6re bir hesaplama almak i\u00e7in KLC hesaplay\u0131c\u0131s\u0131na gidin.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n\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 sigorta primini hesaplay\u0131n<\/a><\/div>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Kendi pay\u0131 ve muafiyet, acil bir olay\u0131n ard\u0131ndan kabul edilen masraflar\u0131n bir k\u0131sm\u0131n\u0131n sigortal\u0131 taraf\u0131ndan \u00f6denip \u00f6denmeyece\u011fini belirleyebilir. Hay\u0131r\u2026<\/p>","protected":false},"author":1,"featured_media":3733,"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":[22],"tags":[68,69,70,67,71],"class_list":["post-3734","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-faq-i-porady","tag-doplata-ubezpieczonego-do-leczenia","tag-franszyza-w-polisie-medycznej","tag-koszt-po-stronie-pacjenta","tag-udzial-wlasny-w-klc","tag-warunki-rozliczenia-swiadczenia"],"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>Udzia\u0142 w\u0142asny w polisie KLC: wp\u0142yw na koszty leczenia<\/title>\n<meta name=\"description\" content=\"Dowiedz si\u0119, czym jest udzia\u0142 w\u0142asny i franszyza w polisie KLC. 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