{"id":219,"date":"2024-03-15T16:41:00","date_gmt":"2024-03-15T13:41:00","guid":{"rendered":"https:\/\/sigortafilozofu.com\/blog\/?p=219"},"modified":"2025-06-18T15:35:23","modified_gmt":"2025-06-18T12:35:23","slug":"tamamlayici-saglik-sigortasi-kapsami-nedir","status":"publish","type":"post","link":"https:\/\/sigortafilozofu.com\/blog\/tamamlayici-saglik-sigortasi-kapsami-nedir\/","title":{"rendered":"Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 Kapsam\u0131 Nedir?"},"content":{"rendered":"\n

G\u00fcn\u00fcm\u00fczde sa\u011fl\u0131k hizmetlerinin maliyeti her ge\u00e7en g\u00fcn artmaktad\u0131r. Bu durum, bir\u00e7ok insan i\u00e7in sa\u011fl\u0131k hizmetlerine eri\u015fimi zorla\u015ft\u0131rmaktad\u0131r. Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131, bu sorunun \u00e7\u00f6z\u00fcm\u00fcnde \u00f6nemli bir rol oynamaktad\u0131r. Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131, sa\u011fl\u0131k hizmetlerindeki temel ihtiya\u00e7lar\u0131 kar\u015f\u0131lamak amac\u0131yla sunulan bir sigorta t\u00fcr\u00fcd\u00fcr. Bu blog yaz\u0131m\u0131zda tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131ndan ve kapsam\u0131ndan bahsedece\u011fiz.<\/p>\n\n\n\n

Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 Nedir?<\/h2>\n\n\n\n

Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131, SGK\u2019n\u0131n tamam\u0131n\u0131 kar\u015f\u0131lamad\u0131\u011f\u0131, ya da k\u0131smen kar\u015f\u0131lad\u0131\u011f\u0131, eksik kalan sa\u011fl\u0131k masraflar\u0131n\u0131 kar\u015f\u0131layan bir sigorta t\u00fcr\u00fcd\u00fcr. Basit bir ifadeyle, SGK\u2019y\u0131 tamamlayan bir sa\u011fl\u0131k sigortas\u0131d\u0131r. Bu sigorta sayesinde, SGK ile anla\u015fmal\u0131 \u00f6zel hastanelerde muayene, tetkik, tedavi ve ameliyat gibi sa\u011fl\u0131k hizmetlerini ek \u00fccret \u00f6demeden, sadece 15\u20ba katk\u0131 pay\u0131 \u00f6deyerek alabilirsiniz.

Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131, genel sa\u011fl\u0131k sigortas\u0131ndan farkl\u0131d\u0131r. Genel sa\u011fl\u0131k sigortas\u0131 (SGK) taraf\u0131ndan kar\u015f\u0131lanan t\u00fcm sa\u011fl\u0131k masraflar\u0131n\u0131 kar\u015f\u0131lar. SGK\u2019n\u0131n belli bir limite kadar kar\u015f\u0131lad\u0131\u011f\u0131 ya da kapsam d\u0131\u015f\u0131 b\u0131rakarak kar\u015f\u0131lamad\u0131\u011f\u0131 sa\u011fl\u0131k masraflar\u0131 vard\u0131r. Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 ise SGK’n\u0131n kar\u015f\u0131lamad\u0131\u011f\u0131 ya da eksik kar\u015f\u0131lad\u0131\u011f\u0131 sa\u011fl\u0131k masraflar\u0131n\u0131 kar\u015f\u0131lar. \u00d6zetle SGK\u2019y\u0131 tamamlar.

\u0130lginizi \u00e7ekebilir:\u00a0En \u0130yi Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 Nedir? Neleri Kapsar?<\/a><\/p>\n\n\n\n

Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131n\u0131n \u00d6zellikleri Nelerdir?<\/h2>\n\n\n\n

Genel sa\u011fl\u0131k sigortas\u0131 (SGK), T\u00fcrkiye Cumhuriyeti vatanda\u015flar\u0131n\u0131n \u00fccretsiz muayene ve tedavi hizmetlerinden yararlanmas\u0131n\u0131 sa\u011flayan bir sistemdir. Bu sigorta ile tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 ya da ba\u015fka bir sa\u011fl\u0131k g\u00fcvencesi bulunmayan ki\u015filer sa\u011fl\u0131k hizmetlerinden yararlanabilir. Genel sa\u011fl\u0131k sigortas\u0131nda prim \u00f6demeleri i\u015fveren taraf\u0131ndan kar\u015f\u0131lan\u0131rken, tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortalar\u0131n\u0131n primini i\u015fveren iste\u011fe ba\u011fl\u0131 \u00f6deyebildi\u011fi gibi, ki\u015filerin kendilerinin de \u00f6demesini gerektiren durumlar olabilir.

Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131n\u0131n baz\u0131 \u00f6nemli \u00f6zellikleri:<\/p>\n\n\n\n

Kapsam<\/h3>\n\n\n\n


Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 kapsam\u0131, sigorta \u015firketine ve se\u00e7ilen poli\u00e7eye g\u00f6re de\u011fi\u015fiklik g\u00f6sterebilir. Genel olarak ayakta ve yatarak tedavi masraflar\u0131 ve ek teminatlar olmak \u00fczere \u00fc\u00e7 ana kategoride de\u011ferlendirilebilir.
<\/p>\n\n\n\n

Ayakta Tedavi Masraflar\u0131<\/h3>\n\n\n\n


Doktor muayenesi, tahlil ve tetkikler, g\u00f6r\u00fcnt\u00fcleme hizmetleri, di\u015f hekimli\u011fi hizmetleri, g\u00f6z hekimli\u011fi hizmetleri gibi ayakta tedavi masraflar\u0131 tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 kapsam\u0131nda kar\u015f\u0131lanabilir.
<\/p>\n\n\n\n

Yatarak Tedavi Masraflar\u0131<\/h3>\n\n\n\n


Ameliyat ve cerrahi m\u00fcdahaleler, yo\u011fun bak\u0131m \u00fccreti, yatarak tedavi ila\u00e7lar\u0131, serum ve t\u0131bbi malzemeler, oda ve yatak \u00fccreti, refakat\u00e7i \u00fccreti gibi yatarak tedavi masraflar\u0131 da tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 kapsam\u0131nda kar\u015f\u0131lanabilir.
<\/p>\n\n\n\n

\u00dccretsiz Ek Teminatlar<\/h3>\n\n\n\n


Sigorta \u015firketine g\u00f6re farkl\u0131l\u0131k g\u00f6steren ve tamamlay\u0131c\u0131 sa\u011fl\u0131k poli\u00e7esinin standard\u0131n\u0131 y\u00fckseltmek i\u00e7in kat\u0131l\u0131mc\u0131lara sunulan ek hizmetlerdir. Ek teminatlar\u0131 poli\u00e7eye eklemek i\u00e7in ekstra bir \u00fccret \u00f6denmez. Sigorta \u015firketinin anla\u015fmal\u0131 oldu\u011fu sa\u011fl\u0131k kurulu\u015flar\u0131nda limitli olarak kullan\u0131l\u0131r.

Y\u0131lda bir kez 40 ya\u015f \u00fcst\u00fc kad\u0131nlar i\u00e7in mamografi \u00e7ektirilmesi hizmeti, di\u015f bak\u0131m paketi, erkekler i\u00e7in PSA \u00f6l\u00e7\u00fclmesi, 7\/24 t\u0131bbi dan\u0131\u015fma hatt\u0131, ambulans, check-up, diyetisyen, psikolog gibi size ek fayda sa\u011flayacak hizmetlerden yararlanabilirsiniz.
<\/p>\n\n\n\n

Bekleme S\u00fcreleri<\/h3>\n\n\n\n


Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 yapt\u0131rd\u0131ktan sonra, baz\u0131 sa\u011fl\u0131k hizmetlerinden yararlanmak i\u00e7in belirli bir bekleme s\u00fcresini tamamlaman\u0131z gerekir. Bu s\u00fcre sigorta \u015firketine ve se\u00e7ilen poli\u00e7eye g\u00f6re de\u011fi\u015fir. \u00d6rne\u011fin, baz\u0131 poli\u00e7elerde do\u011fum teminat\u0131nda 10 ay bekleme s\u00fcresi uygulanabilir.
<\/p>\n\n\n\n

Prim Tutarlar\u0131<\/h3>\n\n\n\n


Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 primleri, sigorta \u015firketine, se\u00e7ilen kullan\u0131m hakk\u0131 adedine (4 hak, 6 hak, 8 hak, 10 hak vs.), ki\u015finin ya\u015f\u0131na, sa\u011fl\u0131k durumuna ve cinsiyetine g\u00f6re de\u011fi\u015fir. Genel olarak ya\u015f ilerledik\u00e7e ve sa\u011fl\u0131k riskleri art\u0131k\u00e7a prim tutarlar\u0131 da y\u00fckselir.<\/p>\n\n\n\n

Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 Neleri Kapsar?<\/h2>\n\n\n\n

Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131, genel sa\u011fl\u0131k sigortas\u0131 (SGK) kapsam\u0131n\u0131n d\u0131\u015f\u0131nda kalan ve bireylerin sa\u011fl\u0131k harcamalar\u0131n\u0131 kar\u015f\u0131layan bir sigorta t\u00fcr\u00fcd\u00fcr. Bu sigorta, \u00e7e\u015fitli masraflar\u0131 kapsayabilir ve sigorta \u015firketine ve se\u00e7ilen kullan\u0131m hak adedi ve teminatlar\u0131na g\u00f6re de\u011fi\u015fiklik g\u00f6sterebilir. Genellikle a\u015fa\u011f\u0131daki masraflar\u0131 kar\u015f\u0131lar:

Ayakta Tedavi Masraflar\u0131:<\/strong>
\u25cf Doktor muayenesi
\u25cf Tahlil ve tetkikler
\u25cf R\u00f6ntgen
\u25cf MR
\u25cf Tomografi
\u25cf Fizik tedavi


Yatarak Tedavi Masraflar\u0131:<\/strong>
\u25cf Ameliyat ve cerrahi m\u00fcdahaleler
\u25cf Yo\u011fun bak\u0131m \u00fccreti
\u25cf Yatarak tedavi ila\u00e7lar\u0131
\u25cf Serum ve t\u0131bbi malzemeler
\u25cf Oda ve yatak \u00fccreti
\u25cf Refakat\u00e7i \u00fccreti

Baz\u0131 Sigorta \u015eirketleri Taraf\u0131ndan Sunulan Ek Teminatlar:<\/strong>
\u25cf Psikiyatri ve psikoloji dan\u0131\u015fmanl\u0131\u011f\u0131
\u25cf Alternatif t\u0131p uygulamalar\u0131
\u25cf Evde bak\u0131m hizmeti
\u25cf Ambulans hizmeti
\u25cf Di\u015f bak\u0131m paketi
\u25cf Diyetisyen hizmeti

\u0130lginizi \u00e7ekebilir:Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 m\u0131? \u00d6zel Sa\u011fl\u0131k Sigortas\u0131 m\u0131?<\/a><\/p>\n\n\n\n

Neden Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 Sat\u0131n Almal\u0131y\u0131m?<\/h2>\n\n\n\n

Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131, genel sa\u011fl\u0131k sigortas\u0131n\u0131n (SGK) kapsam\u0131n\u0131n d\u0131\u015f\u0131nda kalan masraflar\u0131 kar\u015f\u0131lamak i\u00e7in \u00f6nemli bir ek koruma sa\u011flar. Genel sa\u011fl\u0131k sigortas\u0131, temel sa\u011fl\u0131k hizmetlerini kapsar ancak baz\u0131 \u00f6zel tedaviler veya t\u0131bbi malzemeler genellikle bu kapsam\u0131n d\u0131\u015f\u0131ndad\u0131r. Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131, bu t\u00fcr ek masraflar\u0131 kar\u015f\u0131layarak sa\u011fl\u0131k harcamalar\u0131n\u0131z\u0131 kontrol alt\u0131nda tutman\u0131za ve beklenmedik durumlar kar\u015f\u0131s\u0131nda maddi olarak haz\u0131rl\u0131kl\u0131 olman\u0131za yard\u0131mc\u0131 olabilir. Ayr\u0131ca, \u00f6zellikle ya\u015fl\u0131l\u0131k d\u00f6neminde veya ciddi sa\u011fl\u0131k sorunlar\u0131yla kar\u015f\u0131la\u015f\u0131ld\u0131\u011f\u0131nda ekstra g\u00fcvence sa\u011flayarak maddi y\u00fck\u00fc hafifletebilir.

Sigorta Filozofu sizin i\u00e7in en kapsaml\u0131 ve uygun tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 f\u0131rsatlar\u0131 sunmaktad\u0131r.\u00a0Hemen online tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 teklifi almak i\u00e7in t\u0131klay\u0131n!<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

G\u00fcn\u00fcm\u00fczde sa\u011fl\u0131k hizmetlerinin maliyeti her ge\u00e7en g\u00fcn artmaktad\u0131r. Bu durum, bir\u00e7ok insan i\u00e7in sa\u011fl\u0131k hizmetlerine eri\u015fimi zorla\u015ft\u0131rmaktad\u0131r. Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131, bu sorunun \u00e7\u00f6z\u00fcm\u00fcnde…<\/p>\n","protected":false},"author":3,"featured_media":220,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_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,"footnotes":""},"categories":[7],"tags":[],"class_list":["post-219","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-saglik-sigortasi"],"yoast_head":"\r\nTamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 Kapsam\u0131 Nedir? - Blog - Sigorta Filozofu<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/sigortafilozofu.com\/blog\/tamamlayici-saglik-sigortasi-kapsami-nedir\/\" \/>\r\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 Kapsam\u0131 Nedir? - Blog - Sigorta Filozofu\" \/>\r\n<meta property=\"og:description\" content=\"G\u00fcn\u00fcm\u00fczde sa\u011fl\u0131k hizmetlerinin maliyeti her ge\u00e7en g\u00fcn artmaktad\u0131r. 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