Y\u00fcr\u00fcrl\u00fck Tarihi: 1 Mart 2006 <\/strong> Seyahat Sa\u011fl\u0131k Sigortas\u0131 Genel \u015eartlar\u0131 Y\u00fcr\u00fcrl\u00fck Tarihi: 1 Mart 2006 Sigortan\u0131n Kapsam\u0131Madde1-Seyahat sa\u011fl\u0131k sigortas\u0131 ula\u015f\u0131m yollar\u0131ndan herhangi birisini kullanarak yurt i\u00e7inde,…<\/p>\n","protected":false},"author":2,"featured_media":133,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26],"tags":[],"class_list":["post-66","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seyahat-sigortasi"],"_links":{"self":[{"href":"https:\/\/sigortaakademi.com\/index.php?rest_route=\/wp\/v2\/posts\/66","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sigortaakademi.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sigortaakademi.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sigortaakademi.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/sigortaakademi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=66"}],"version-history":[{"count":1,"href":"https:\/\/sigortaakademi.com\/index.php?rest_route=\/wp\/v2\/posts\/66\/revisions"}],"predecessor-version":[{"id":67,"href":"https:\/\/sigortaakademi.com\/index.php?rest_route=\/wp\/v2\/posts\/66\/revisions\/67"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sigortaakademi.com\/index.php?rest_route=\/wp\/v2\/media\/133"}],"wp:attachment":[{"href":"https:\/\/sigortaakademi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=66"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigortaakademi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=66"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigortaakademi.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=66"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Sigortan\u0131n Kapsam\u0131<\/strong>
Madde1-Seyahat sa\u011fl\u0131k sigortas\u0131 ula\u015f\u0131m yollar\u0131ndan herhangi birisini kullanarak yurt i\u00e7inde, yurt d\u0131\u015f\u0131na veya yurt d\u0131\u015f\u0131ndan \u00fclkemize seyahat edenleri, seyahatler\u0131 esnas\u0131nda kar\u015f\u0131la\u015fabilecekleri sa\u011fl\u0131k risklerine kar\u015f\u0131 koruyan bir \u00f6zel sigorta t\u00fcr\u00fcd\u00fcr.
Sigortac\u0131, seyahat s\u0131ras\u0131nda poli\u00e7enin ge\u00e7erlilik tarihleri aras\u0131nda meydana gelen bir kaza veya \u00f6nceden mevcut bir duruma ba\u011fl\u0131 olmayan hastal\u0131k hali sonucunda, planlanan seyahat s\u00fcresi d\u0131\u015f\u0131nda meydana gelmemesi kayd\u0131yla, Sigortal\u0131’ya, poli\u00e7ede belirtilen teminatlar\u0131 sa\u011flar.
Sigortan\u0131n S\u00fcresi<\/strong>
Madde 2-Sigortan\u0131n s\u00fcresi yurt d\u0131\u015f\u0131na yap\u0131lan seyahatler i\u00e7in \u00fclkemiz s\u0131n\u0131rlar\u0131ndan \u00e7\u0131k\u0131ld\u0131\u011f\u0131n\u0131n pasaportla tespit edildi\u011fi an ba\u015flar, \u00fclkemiz s\u0131n\u0131rlar\u0131na girildi\u011finin pasaportla tespit edildi\u011fi an sona erer. Yurt d\u0131\u015f\u0131ndan yap\u0131lan seyahatler i\u00e7in sigorta s\u00fcresi \u00fclkemiz s\u0131n\u0131rlar\u0131na girildi\u011finin pasaportla tespit edildi\u011fi an ba\u015flar yine \u00fclke s\u0131n\u0131rlar\u0131 d\u0131\u015f\u0131na \u00e7\u0131k\u0131ld\u0131\u011f\u0131n\u0131n pasaportla tespit edildi\u011fi an sona erer.
Yurt i\u00e7inde yap\u0131lan seyahatlerde ise sigortan\u0131n s\u00fcresinin ba\u015flang\u0131c\u0131 ve biti\u015fi sigorta poli\u00e7esinde belirtilir.
Asistan Ki\u015fi\/\u015eirket<\/strong>
Madde 3- Seyahat Sa\u011fl\u0131k Sigortas\u0131nda yer alan teminatlarla ilgili hizmetleri sigorta \u015firketleri verir. Seyahat sa\u011fl\u0131k sigortas\u0131nda yer alan teminatlarla ilgili hizmetlerin verilmesi sigortac\u0131 taraf\u0131ndan gerekti\u011finde hizmet sat\u0131n alma s\u00f6zle\u015fmeleri arac\u0131l\u0131\u011f\u0131 ile asistan ki\u015fi\/\u015firketlere devredilebilir.
Poli\u00e7e \u0130ptali<\/strong>
Madde 4- Seyahat sa\u011fl\u0131k sigortas\u0131 sat\u0131n alan ki\u015fi, seyahate gidemedi\u011fi durumda poli\u00e7e ba\u015flang\u0131\u00e7 tarihinden en ge\u00e7 24 saat \u00f6nce haber vermek ve poli\u00e7eyi sigorta \u015firketine iade etmek kayd\u0131yla poli\u00e7esini iptal ettirerek, \u00f6dedi\u011fi sigorta primini geri al\u0131r
Sunulacak Asgari Teminatlar<\/strong>
Madde 5-Sigortal\u0131n\u0131n sigorta \u015firketinden alm\u0131\u015f oldu\u011fu poli\u00e7eler asgari olarak a\u015fa\u011f\u0131daki teminatlar\u0131 i\u00e7ermek zorunda olup, sigorta \u015firketleri bu teminatlarla ilgili limitleri poli\u00e7ede g\u00f6sterirler.
Ani rahats\u0131zl\u0131k ve hastal\u0131klara ili\u015fkin t\u0131bbi tedavi teminat\u0131<\/strong>
Sigortal\u0131’n\u0131n, bu poli\u00e7e kapsam\u0131nda aniden hastalanmas\u0131 veya yaralanmas\u0131 durumunda, \u015eirket; hastane, ameliyat ve tedavi masraflar\u0131 ile, ilgili doktorun yazd\u0131\u011f\u0131 ila\u00e7lar\u0131n masraflar\u0131n\u0131 poli\u00e7e limitleri dahilinde \u00f6der.
Sigortal\u0131n\u0131n tedavinin verilebilece\u011fi en yak\u0131n sa\u011fl\u0131k kurulu\u015funa seyahati veya nakli<\/strong>
Sigortal\u0131’n\u0131n bu poli\u00e7e kapsam\u0131nda aniden hastalanmas\u0131 veya yaralanmas\u0131 durumunda, \u015eirket sigortal\u0131n\u0131n t\u0131bbi durumuna en uygun nakil arac\u0131yla, en yak\u0131n sa\u011fl\u0131k kurum ve\/veya kurulu\u015funa ula\u015f\u0131m\u0131n\u0131 sa\u011flar.
Bulunulan sa\u011fl\u0131k kurum ve\/veya kurulu\u015funda hastaya yap\u0131lacak tedavi i\u00e7in gerekli donan\u0131m ve t\u0131bbi ekip yoksa \u015eirket sigortal\u0131n\u0131n t\u0131bbi durumuna uygun ba\u015fka bir sa\u011fl\u0131k kurum ve\/veya kurulu\u015funa naklini sa\u011flamakla y\u00fck\u00fcml\u00fcd\u00fcr.
Sigortal\u0131n\u0131n taburcu olduktan sonra ikametgah adresine nakli<\/strong>
Sigortal\u0131\u2019n\u0131n bu poli\u00e7e kapsam\u0131ndaki hastal\u0131k veya yaralanma sonucu t\u0131bbi bir merkezde yatarak operasyon gerektiren tedavisinin sona ermesini takiben taburcu olmas\u0131 durumunda, seyahate devam edemeyece\u011fine ve ikametgah adresine d\u00f6n\u00fc\u015f i\u00e7in Sigortal\u0131\u2019n\u0131n as\u0131l seyahat i\u00e7in kullanm\u0131\u015f oldu\u011fu ta\u015f\u0131ma arac\u0131n\u0131 kullanamayaca\u011f\u0131na sigortal\u0131y\u0131 tedavi eden doktor taraf\u0131ndan karar verilirse, \u015eirket, Sigortal\u0131\u2019y\u0131 poli\u00e7e ko\u015fullar\u0131 \u00e7er\u00e7evesinde sigortal\u0131y\u0131 tedavi eden doktorun belirledi\u011fi ve sigortal\u0131n\u0131n t\u0131bbi durumuna en uygun nakil arac\u0131yla ikametgah adresine nakli i\u00e7in gerekli giderleri kar\u015f\u0131layacakt\u0131r.
Vefat eden sigortal\u0131n\u0131n nakli<\/strong>
Sigortal\u0131n\u0131n bu poli\u00e7e kapsam\u0131nda aniden hastalanmas\u0131 veya yaralanmas\u0131 sonucu vefat\u0131 halinde \u015eirket; Cenazenin talep edilen adrese naklini temin eder ve olu\u015fan masraflar\u0131 \u00f6der.
Verilecek Ek Teminatlar<\/strong>
Madde 6-Sigorta \u015firketleri \u00f6zel \u015fartlar\u0131nda asgari teminatlar d\u0131\u015f\u0131nda ek teminatlar da verebilir.
Prim \u00d6deme \u015eekli ve \u00d6denmemesinin Sonu\u00e7lar\u0131<\/strong>
Madde 7- Sigorta priminin tamam\u0131n\u0131n akit yap\u0131l\u0131r yap\u0131lmaz poli\u00e7enin teslimi kar\u015f\u0131l\u0131\u011f\u0131nda \u00f6denmesi gerekir. Aksi kararla\u015ft\u0131r\u0131lmad\u0131k\u00e7a, prim \u00f6denmedi\u011fi taktirde poli\u00e7e teslim edilmi\u015f olsa dahi sigortac\u0131n\u0131n sorumlulu\u011fu ba\u015flamaz.
Genel Ko\u015fullar<\/strong>
Madde 8- Herhangi bir talep halinde sigortac\u0131n\u0131n tazminat\u0131 \u00f6deme sorumlulu\u011fu ile sigortal\u0131n\u0131n tazminat talep hakk\u0131 poli\u00e7enin ko\u015fullar\u0131na uymalar\u0131na ba\u011fl\u0131d\u0131r.
Bu Poli\u00e7e kapsam\u0131ndaki talebi i\u00e7in Sigortal\u0131;
a) Zarar\u0131 asgariye indirmek i\u00e7in t\u00fcm makul tedbirleri al\u0131r.b) Durumu \u015eirket ve\/veya Asistan Ki\u015fi\/\u015eirkete en k\u0131sa zamanda bildirir. \u015eirketin onay\u0131n\u0131 alabilmek amac\u0131yla, \u015eirkete ula\u015f\u0131lamamas\u0131 durumunda, sigortal\u0131 kendisine en yak\u0131n acil sa\u011fl\u0131k kurum ve\/veya kurulu\u015funa gidebilir. Bu durumda, sigortal\u0131 ald\u0131\u011f\u0131 hizmetler ve durumu ile ilgili bilgileri \u015firkete iletir. Sigortal\u0131 olay\u0131 g\u00f6steren orjinal belge ve makbuzlar\u0131 \u015eirkete ibraz etmekle y\u00fck\u00fcml\u00fcd\u00fcr.c) \u015eirket\u2019e hizmetin tam olarak verilebilmesi i\u00e7in gerekli t\u00fcm bilgi ve belgeleri (hastane raporu, re\u00e7eteler, medikal tetkik raporlar\u0131, makbuzlar, faturalar v.b.) temin eder.
Genel \u0130stisnalar<\/strong>
Madde 9- Dolayl\u0131 ya da dolays\u0131z olarak a\u015fa\u011f\u0131daki durumlardan meydana gelebilecek vakalar bu sigorta kapsam\u0131 d\u0131\u015f\u0131ndad\u0131r.
a)Bu Poli\u00e7e kapsam\u0131nda talepte bulunan Sigortal\u0131n\u0131n hileli hareketleri,b) Sel, seylap, deprem, volkanik patlamalar, heyelan f\u0131rt\u0131na ve meteor d\u00fc\u015fmesi gibi do\u011fal afetler sonucu ortaya \u00e7\u0131kan zararlar, c) Harp veya harp niteli\u011findeki harekat, ihtilal, isyan, ayaklanma ve bunlardan do\u011fan i\u00e7 karga\u015fal\u0131klar,d) 3713 say\u0131l\u0131Ter\u00f6rle M\u00fccadele Kanununda belirtilen ter\u00f6r eylemleri ve sabotaj ile bunlar\u0131 \u00f6nlemek ve etkilerini azaltmak amac\u0131yla yetkili organlar taraf\u0131ndan yap\u0131lan m\u00fcdahaleler,e) N\u00fckleer rizikolar veya n\u00fckleer, biyolojik ve kimyasal silah kullan\u0131m\u0131 veya n\u00fckleer, biyolojik ve kimyasal maddelerin a\u00e7\u0131\u011fa \u00e7\u0131kmas\u0131na neden olacak her t\u00fcrl\u00fc sald\u0131r\u0131 ve sabotaj,f) Silahl\u0131 kuvvetler veya g\u00fcvenlik kuvvetleri veya \u00f6rg\u00fctlerinin harekat\u0131,g) Tehlikede bulunan ki\u015fileri ve mallar\u0131 kurtarmak hali m\u00fcstesna, sigortal\u0131n\u0131n kendisini bile bile a\u011f\u0131r bir tehlikeye maruz b\u0131rakacak hareketlerde bulunmas\u0131, h) Sigortal\u0131’n\u0131n kas\u0131tl\u0131 hareketleri,i) T\u0131bbi re\u00e7ete d\u0131\u015f\u0131nda al\u0131nan alkol, ila\u00e7lar, zehirli maddeler uyu\u015fturucular veya t\u0131bbi \u00fcr\u00fcnlerin g\u00f6n\u00fcll\u00fc t\u00fcketimi ile ortaya \u00e7\u0131kan hastal\u0131klar veya patolojik durumlar,j) Poli\u00e7enin ge\u00e7erlilik tarihleri aras\u0131nda, poli\u00e7e ba\u015flang\u0131\u00e7 tarihinden \u00f6nce var oldu\u011fu, yetkili bir doktor taraf\u0131ndan tespit edilen t\u0131bbi bir durum veya bu duruma ba\u011fl\u0131 olarak ortaya \u00e7\u0131kan akut kriz,k) Do\u011fu\u015ftan olan hastal\u0131klar (Gebelik esnas\u0131nda olu\u015fan veya genetik fakt\u00f6rlerden kaynaklanan hastal\u0131klar),l) \u0130ntihar veya intihar te\u015febb\u00fcs\u00fc,m) Ak\u0131l hastal\u0131klar\u0131, psikolojik rahats\u0131zl\u0131klar, salg\u0131n hastal\u0131klar,n) A\u015fa\u011f\u0131daki sporlar\u0131n yap\u0131lmas\u0131: hangi t\u00fcrden olursa olsun her t\u00fcrl\u00fc yar\u0131\u015f, ralli veya benzeri denemeler, olta bal\u0131k\u00e7\u0131l\u0131\u011f\u0131 d\u0131\u015f\u0131nda av faaliyetleri, t\u00fcpl\u00fc ve serbest derin dal\u0131\u015flar, umumi yolcu ta\u015f\u0131mac\u0131l\u0131\u011f\u0131 yapmak amac\u0131yla tasarlanmam\u0131\u015f deniz ara\u00e7lar\u0131yla uluslararas\u0131 sularda dola\u015fma, binicilik, da\u011fc\u0131l\u0131k, at\u0131\u015f talimleri, boks, ne t\u00fcrden olursa olsun g\u00fcre\u015f sporlar\u0131, d\u00f6v\u00fc\u015fme sanatlar\u0131, para\u015f\u00fct\u00e7\u00fcl\u00fck, s\u0131cak hava balonculu\u011fu, serbest d\u00fc\u015fme, yama\u00e7 para\u015f\u00fct\u00fc ve genel olarak tehlikeli oldu\u011fu bilinen her t\u00fcrl\u00fc spor veya e\u011flence faaliyeti,o) Spor federasyonlar\u0131 veya benzeri organizasyonlar taraf\u0131ndan d\u00fczenlenen yar\u0131\u015flara veya turnuvalara kat\u0131lma,p) Bununla ilgili bir teminat verilmesi konusunda a\u00e7\u0131k\u00e7a mutabakata var\u0131lmad\u0131\u011f\u0131 s\u00fcrece kayak,r) Yolcu ta\u015f\u0131ma yetkisine sahip olmayan bir hava ta\u015f\u0131t\u0131n\u0131n ve helikopterlerin bir yolcu veya m\u00fcrettebat s\u0131fat\u0131yla kullan\u0131lmas\u0131, motorsiklet kullan\u0131m\u0131,s) Sigortan\u0131n kapsam\u0131na giren bir kaza neticesinde vuku bulmad\u0131\u011f\u0131 taktirde suda bo\u011fulmalar,
Ancak, bu maddenin b, j, m, n, o, p ve s f\u0131kralar\u0131nda say\u0131lan durumlar\u0131n \u00f6zel \u015fartlar ile teminat alt\u0131na al\u0131nmas\u0131 m\u00fcmk\u00fcnd\u00fcr.
Birden \u00c7ok Sigorta<\/strong>
Madde 10- Sigortal\u0131 ba\u015fka sigorta \u015firketleriyle ayn\u0131 rizikolara kar\u015f\u0131 ayn\u0131 s\u00fcreye rastlayan ba\u015fka sigorta s\u00f6zle\u015fmesi yapacak olursabunu sigortac\u0131lara derhal bildirmekle y\u00fck\u00fcml\u00fcd\u00fcr
Birden fazla sigorta \u015firketi s\u00f6zkonusu oldu\u011funda tedavi masraflar\u0131 sigorta \u015firketlerince poli\u00e7e tanzim \u00f6nceli\u011fine g\u00f6re \u00f6denir.
Tebli\u011f ve \u0130hbarlari<\/strong>
Madde 11- Sigortal\u0131 bildirimlerini sigorta \u015firketinin merkezine veya sigorta s\u00f6zle\u015fmesine arac\u0131l\u0131k eden acenteye, noter eliyle veya taahh\u00fctl\u00fc mektupla yapar.
Sigortac\u0131 da bildirimlerini sigortal\u0131n\u0131n poli\u00e7ede g\u00f6sterilen adresine veya bu adres de\u011fi\u015fmi\u015fse son bildirilen adresine ayn\u0131 surette yapar.
Taraflara imza kar\u015f\u0131l\u0131\u011f\u0131 elden verilen mektup veya telgrafla yap\u0131lan bildirimler de taahh\u00fctl\u00fc mektup h\u00fckm\u00fcndedir.
S\u0131rlar\u0131n Sakl\u0131 Tutulmas\u0131<\/strong>
Madde 12- Sigortac\u0131 ve sigortac\u0131 ad\u0131na hareket edenler, bu s\u00f6zle\u015fmenin yap\u0131lmas\u0131ndan dolay\u0131 sigortal\u0131ya ait olarak \u00f6\u011frenece\u011fi s\u0131rlar\u0131n sakl\u0131 tutulmamas\u0131ndan do\u011facak zararlardan sorumludur.
Yetkili Mahkeme<\/strong>
Madde 13- Bu sigorta s\u00f6zle\u015fmesinden do\u011fan anla\u015fmazl\u0131klar nedeniyle sigortac\u0131 aleyhine a\u00e7\u0131lacak davalarda yetkili mahkeme, sigorta \u015firketi merkezinin veya sigorta s\u00f6zle\u015fmesine arac\u0131l\u0131k yapan acentenin ikametgah\u0131n\u0131n bulundu\u011fu yerde sigortac\u0131 taraf\u0131ndan a\u00e7\u0131lacak davalarda ise daval\u0131n\u0131n ikametgah\u0131n\u0131n bulundu\u011fu yerde ticaret davalar\u0131na bakmakla g\u00f6revli mahkemedir.
Zaman A\u015f\u0131m\u0131<\/strong>
Madde 14- Sigorta s\u00f6zle\u015fmesinden do\u011fan b\u00fct\u00fcn talepler iki y\u0131lda zaman a\u015f\u0131m\u0131na u\u011frar.
\u00d6zel \u015eartlar:<\/strong>
Madde 15- Sigorta \u015firketleribu genel \u015fartlara sigortal\u0131 aleyhine olmamak ve teminat kapsam\u0131n\u0131 daraltmamak kayd\u0131yla \u00f6zel \u015fartlar uygulayabilir.
Y\u00fcr\u00fcrl\u00fck<\/strong>
Madde 16-Bu Genel \u015eartlar 01.03.2006 tarihi itibariyle y\u00fcr\u00fcrl\u00fc\u011fe girer.<\/p>\n","protected":false},"excerpt":{"rendered":"