{"id":3708,"date":"2026-09-26T21:15:08","date_gmt":"2026-09-26T19:15:08","guid":{"rendered":"https:\/\/studentinsurance.pl\/?p=3708"},"modified":"2026-09-26T21:15:08","modified_gmt":"2026-09-26T19:15:08","slug":"oturma-izni-kararinin-tarihini-bilmediginizde-sigorta-suresini-nasil-belirlemelisiniz","status":"publish","type":"post","link":"https:\/\/studentinsurance.pl\/tr\/poradnik\/karta-pobytu\/jak-dobrac-okres-polisy-gdy-nie-znasz-daty-decyzji-o-karcie-pobytu\/","title":{"rendered":"Oturma izni karar\u0131n\u0131n tarihini bilmedi\u011finizde sigorta s\u00fcresini nas\u0131l belirlemelisiniz?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Davan\u0131zla ilgili karar\u0131n kesin tarihini bilmiyorsan\u0131z, tahmini tarihi kesin tarih olarak belirtmeyin. Poli\u00e7e s\u00fcresini, belgelerinizde do\u011frulayabilece\u011finiz bilgilere ve s\u00f6z konusu sigortan\u0131n \u015fartlar\u0131na g\u00f6re belirlemeniz \u00f6nerilir. Yaln\u0131zca davan\u0131n sonu\u00e7lanmas\u0131na ili\u015fkin bir tahmin, sigorta korumas\u0131n\u0131n tam olarak o g\u00fcne kadar gerekli olaca\u011f\u0131na dair bir kesinlik sa\u011flamaz.<\/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-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\">\u0130\u00e7indekiler<\/h2>\n\n\n\n<ol class=\"wp-block-list\"><li><a href=\"#dlaczego-nie-warto-zgadywac-daty-decyzji\">Karar\u0131n al\u0131naca\u011f\u0131 tarihi tahmin etmeye neden de\u011fmez?<\/a><\/li>\n<li><a href=\"#jak-uporzadkowac-dostepne-daty\">Mevcut verileri nas\u0131l d\u00fczenleyebilirim?<\/a><\/li>\n<li><a href=\"#jak-dobrac-okres-ubezpieczenia\">Sigorta s\u00fcresi nas\u0131l belirlenir?<\/a><\/li>\n<li><a href=\"#co-sprawdzic-w-polisie-i-owu\">Sigorta poli\u00e7esinde ve Genel Sigorta Ko\u015fullar\u0131nda nelere dikkat edilmeli?<\/a><\/li>\n<li><a href=\"#praktyczna-checklista-przed-zakupem\">Sat\u0131n almadan \u00f6nce kullan\u0131\u015fl\u0131 bir kontrol listesi<\/a><\/li>\n<li><a href=\"#co-zrobic-przed-koncem-ochrony\">Koruma s\u00fcresi sona ermeden \u00f6nce ne yap\u0131lmal\u0131?<\/a><\/li>\n<li><a href=\"#najczestsze-bledy\">En s\u0131k yap\u0131lan hatalar<\/a><\/li>\n<li><a href=\"#faq\">S\u0131k\u00e7a Sorulan Sorular<\/a><\/li><\/ol>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dlaczego-nie-warto-zgadywac-daty-decyzji\">Karar\u0131n al\u0131naca\u011f\u0131 tarihi tahmin etmeye neden de\u011fmez?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bekleme s\u00fcresi, \u00f6nceden belirlenen planla \u00f6rt\u00fc\u015fmeyebilir. Bu nedenle, \u00f6ng\u00f6r\u00fclen tarih, poli\u00e7enin sona erme tarihi olarak otomatik olarak kabul edilmemelidir. Karar\u0131n al\u0131naca\u011f\u0131 tarihi bilmiyorsan\u0131z, bunu takvimde sabit bir tarih olarak de\u011fil, daha sonra do\u011frulanmas\u0131 gereken bir durum olarak de\u011ferlendirin.<\/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-flow wp-block-group-is-layout-flow\">\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>\u26a0\ufe0f \u00d6nemli: Tahmini tarih kesin bir tarih de\u011fildir.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sigorta teminat\u0131, s\u00f6zle\u015fmeden kaynaklan\u0131r. Kabul edilen ERGO Genel Sigorta Ko\u015fullar\u0131\u2019nda, bu teminat\u0131n sigortac\u0131n\u0131n sorumluluk s\u00fcresi i\u00e7inde meydana gelen ve sigorta kapsam\u0131na giren olaylar\u0131 kapsad\u0131\u011f\u0131 belirtilmi\u015ftir. Bu nedenle, poli\u00e7ede ve ilgili Genel Sigorta Ko\u015fullar\u0131\u2019nda kontrol edilmelidir. <strong>s\u00f6zle\u015fmeye dayal\u0131 sorumlulu\u011fun ba\u015flang\u0131c\u0131<\/strong>, bu se\u00e7ene\u011fin sonu ve s\u00f6z konusu se\u00e7ene\u011fe ili\u015fkin ko\u015fullar.<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Se\u00e7ti\u011finiz s\u00fcrenin belirli bir ikamet davas\u0131nda kabul edilece\u011fini varsaymay\u0131n. Bu davayla ilgili resmi kan\u0131tlar olmadan, ne belgenin kabul edilece\u011fi ne de tek bir s\u00fcrenin herkes i\u00e7in uygun olaca\u011f\u0131 garanti edilemez. Karar vermeden \u00f6nce <strong>Davan\u0131zla do\u011frudan ilgili g\u00fcncel ve resmi bilgileri do\u011frulay\u0131n<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-uporzadkowac-dostepne-daty\">Mevcut verileri nas\u0131l d\u00fczenleyebilirim?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6ncelikle, belgelerde yer alan bilgileri kendi tahminlerinizden ay\u0131r\u0131n. Elinizde bir belge veya teyit varsa, \u00fczerinde yaz\u0131l\u0131 tarihi kontrol edin. Belge, durumunuzla ilgili bir tarih i\u00e7eriyorsa, gelecekte sadece haf\u0131zan\u0131za g\u00fcvenmek zorunda kalmamak i\u00e7in bu tarihi belgenin ad\u0131yla birlikte not al\u0131n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Basit bir ko\u015fullu ad\u0131mlar dizisi faydal\u0131 olabilir:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 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-itemswriter_75fb194352c9f31e_0 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 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-itemswriter_75fb194352c9f31e_0 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemswriter_75fb194352c9f31e_0 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-writer_75fb194352c9f31e_0_1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_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-writer_75fb194352c9f31e_0_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\">E\u011fer halihaz\u0131rda bir poli\u00e7eniz varsa, \u00fczerinde yaz\u0131l\u0131 olan bilgileri kontrol edin <strong>sigorta s\u00fcresinin ba\u015flang\u0131\u00e7 ve biti\u015f tarihleri<\/strong>;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_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-writer_75fb194352c9f31e_0_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\">Belgeleri teslim etti\u011finize dair bir onay belgeniz varsa, \u00fczerinde yaz\u0131l\u0131 tarihi kontrol edin ve bu belgeyi saklay\u0131n;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_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-writer_75fb194352c9f31e_0_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\">E\u011fer belgede belirli bir i\u015flemin yerine getirilmesi i\u00e7in bir tarih belirtilmi\u015fse, bunu tam olarak belirtildi\u011fi \u015fekilde yaz\u0131n;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_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-writer_75fb194352c9f31e_0_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\">\u015eu ana kadarki ikametinizle ilgili bir belgeniz varsa, \u00fczerinde yaz\u0131l\u0131 tarihi kontrol edin; karar\u0131n al\u0131naca\u011f\u0131 tahmini tarihi kendiniz eklemeyin;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_75fb194352c9f31e_0_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-writer_75fb194352c9f31e_0_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\">Karar\u0131n tarihini bilmiyorsan\u0131z, bu bilgiyi daha sonra do\u011frulanmas\u0131 gereken bir bilgi olarak i\u015faretleyin.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Bu ayr\u0131m, \u015funlar\u0131 birbirinden ay\u0131rt etmeye yard\u0131mc\u0131 olur: <strong>belgelerde kay\u0131tl\u0131 ger\u00e7ekler<\/strong> temel varsay\u0131mlardan yola \u00e7\u0131karak. Ancak, sizin durumunuzda hangi poli\u00e7e s\u00fcresinin gerekli olaca\u011f\u0131na dair kesin bir karar vermez. Yaln\u0131zca daha bilin\u00e7li bir karar vermenize yard\u0131mc\u0131 olmak ve tahminlerin do\u011frulanm\u0131\u015f bilgi olarak kabul edilme riskini azaltmak amac\u0131yla kullan\u0131l\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-dobrac-okres-ubezpieczenia\">Sigorta s\u00fcresi nas\u0131l belirlenir?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sigorta s\u00fcresinin belirlenmesi, iki hususu birbiriyle uzla\u015ft\u0131rmay\u0131 gerektirir: davan\u0131n ilerleyi\u015fine ili\u015fkin belirsizlik ve mevcut sigorta s\u00f6zle\u015fmesinin ko\u015fullar\u0131. Oturma izni bekleyen her yabanc\u0131 i\u00e7in uygun tek bir evrensel s\u00fcre belirlemeye y\u00f6nelik bir dayanak yoktur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6ncelikle, ne zamandan itibaren ger\u00e7ekten sigorta korumas\u0131na ihtiyac\u0131n\u0131z oldu\u011funu belirleyin. Halihaz\u0131rda bir poli\u00e7eniz varsa, poli\u00e7ede belirtilen son ge\u00e7erlilik tarihini ve Genel Sigorta Ko\u015fullar\u0131\u2019nda (OWU) a\u00e7\u0131klanan sorumluluk kurallar\u0131n\u0131 kontrol edin. <strong>Poli\u00e7ede belirtilen s\u00fcreyi teminat kapsam\u0131yla kar\u0131\u015ft\u0131rmay\u0131n<\/strong> \u2014 Kapsam, s\u0131n\u0131rlar ve istisnalar, s\u00f6zle\u015fmenin ayr\u0131 unsurlar\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ard\u0131ndan, davan\u0131n ne zaman sonu\u00e7lanaca\u011f\u0131n\u0131 bilmedi\u011finizi g\u00f6z \u00f6n\u00fcnde bulundurarak, sigortay\u0131 ne kadar s\u00fcreyle s\u00fcrd\u00fcrmek istedi\u011finizi de\u011ferlendirin. Daha uzun bir s\u00fcre, h\u0131zl\u0131 bir \u015fekilde yeniden sigorta sat\u0131n alma ihtiyac\u0131n\u0131 azaltabilir, ancak belgenin kabul edilece\u011fini veya davan\u0131n belirli bir sonu\u00e7la sonu\u00e7lanaca\u011f\u0131n\u0131 garanti etmez. Daha k\u0131sa bir s\u00fcre ise, sigorta korumas\u0131n\u0131n sona erme tarihini daha dikkatli bir \u015fekilde takip etmenizi gerektirir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Uniqa Genel Sigorta Ko\u015fullar\u0131\u2019nda prim tutar\u0131, di\u011fer fakt\u00f6rlerin yan\u0131 s\u0131ra \u015funlara ba\u011fl\u0131d\u0131r: <strong>sigorta s\u00fcresi, kapsam\u0131 ve teminat tutarlar\u0131<\/strong>. Bu, s\u00f6zle\u015fme s\u00fcresinin di\u011fer parametrelerden ayr\u0131 olarak de\u011ferlendirilmemesi gerekti\u011fi anlam\u0131na gelir. Mevcut se\u00e7enekleri kar\u015f\u0131la\u015ft\u0131r\u0131rken, sadece s\u00fcreye de\u011fil, ayn\u0131 zamanda hangi kapsam\u0131n sunuldu\u011funa ve s\u00f6zle\u015fmede hangi sorumluluk s\u0131n\u0131rlar\u0131n\u0131n \u00f6ng\u00f6r\u00fcld\u00fc\u011f\u00fcne de dikkat edin.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-sprawdzic-w-polisie-i-owu\">Sigorta poli\u00e7esinde ve Genel Sigorta Ko\u015fullar\u0131nda nelere dikkat edilmeli?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Poli\u00e7e genellikle s\u00f6zle\u015fmenin temel bilgilerini i\u00e7erir; ancak ayr\u0131nt\u0131l\u0131 kurallar Genel Sigorta Ko\u015fullar\u0131\u2019nda (OWU) ve \u2014 \u00fcr\u00fcne ba\u011fl\u0131 olarak \u2014 ilgili maddelere yer almaktad\u0131r. Compensa\u2019n\u0131n kabul etti\u011fi Genel Sigorta Ko\u015fullar\u0131\u2019nda \u015funlar belirtilmi\u015ftir: <strong>Kapsam\u0131n ayr\u0131nt\u0131lar\u0131, s\u00f6zle\u015fme maddelerinde belirtilmi\u015ftir<\/strong>, tedavi masraflar\u0131n\u0131n kar\u015f\u0131lanmas\u0131 ise yaln\u0131zca Polonya s\u0131n\u0131rlar\u0131 i\u00e7indeki konaklamay\u0131 kapsamaktad\u0131r. Dolay\u0131s\u0131yla, \u00fcr\u00fcn\u00fcn ad\u0131 tek ba\u015f\u0131na sigortan\u0131n ger\u00e7ek kapsam\u0131n\u0131 de\u011ferlendirmek i\u00e7in yeterli de\u011fildir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se\u00e7im yapmadan \u00f6nce \u00f6ncelikle \u015funlara dikkat edin:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 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-itemswriter_405054b5afe4e5a1_1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 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-itemswriter_405054b5afe4e5a1_1 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemswriter_405054b5afe4e5a1_1 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-writer_405054b5afe4e5a1_1_1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_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-writer_405054b5afe4e5a1_1_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\">poli\u00e7ede belirtilen sigorta s\u00fcresi;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_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-writer_405054b5afe4e5a1_1_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\">sigortac\u0131n\u0131n sorumlulu\u011funun ba\u015flang\u0131c\u0131n\u0131 ve sonunu belirleyen h\u00fck\u00fcmler;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_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-writer_405054b5afe4e5a1_1_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\">se\u00e7ilen se\u00e7enek kapsam\u0131nda yer alan tedavi masraflar\u0131n\u0131n kapsam\u0131;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_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-writer_405054b5afe4e5a1_1_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>sigorta tutar\u0131 ve alt limitler<\/strong>;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_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-writer_405054b5afe4e5a1_1_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\">yard\u0131mlar\u0131n \u00f6denmesi i\u00e7in gerekli ko\u015fullar;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_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-writer_405054b5afe4e5a1_1_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\">sorumluluk s\u0131n\u0131rlamalar\u0131 ve istisnalar\u0131;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_7 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_405054b5afe4e5a1_1_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-writer_405054b5afe4e5a1_1_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\">bir olay meydana geldi\u011finde izlenecek prosed\u00fcrler.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">TUZ Sigorta\u2019n\u0131n kabul edilen Genel Sigorta \u015eartlar\u0131 (GSS), tazminat \u00f6demesinin ko\u015fullar\u0131n\u0131 ve sorumluluk s\u0131n\u0131rlamalar\u0131n\u0131 ve istisnalar\u0131n\u0131 kesin olarak belirlemektedir. \u015eunu hat\u0131rlatmak \u00f6nemlidir ki, <strong>Poli\u00e7enin y\u00fcr\u00fcrl\u00fckte olmas\u0131 tek ba\u015f\u0131na \u00f6deme yap\u0131laca\u011f\u0131n\u0131 garanti etmez<\/strong>. \u00d6demenin yap\u0131labilmesi i\u00e7in, olay\u0131n s\u00f6zle\u015fmede belirtilen ko\u015fullar\u0131 kar\u015f\u0131lamas\u0131 gerekir; ayr\u0131ca s\u00f6zle\u015fmede belirtilen k\u0131s\u0131tlamalar da ge\u00e7erli olabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Limitler de \u00f6nemlidir. ERGO Genel Sigorta Ko\u015fullar\u0131\u2019nda (OWU) sigorta tutar\u0131, ilgili alt limitler dikkate al\u0131narak, sigorta s\u00fcresi i\u00e7inde tek bir olay ve t\u00fcm olaylar i\u00e7in sorumluluk limitini olu\u015fturur. Uniqa Genel Sigorta Ko\u015fullar\u0131\u2019nda (OWU) ise sigorta tutar\u0131, garanti tutar\u0131 ve bunlar\u0131n alt limitleri <strong>sorumlulu\u011fun \u00fcst s\u0131n\u0131r\u0131<\/strong> ve \u00f6denen yard\u0131mlar veya tazminatlar kadar azal\u0131r. Bunlar\u0131n tutarlar\u0131, poli\u00e7ede ve Genel Sigorta Ko\u015fullar\u0131\u2019ndaki se\u00e7enekler tablosunda belirtilmi\u015ftir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu kurallar\u0131 her teklife otomatik olarak uygulamay\u0131n. <strong>Belirli bir \u00fcr\u00fcn ve varyant\u0131na atanan belgeleri inceleyin<\/strong>, \u00fczerinde d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fcz sigorta. Ayr\u0131ca, poli\u00e7ede ve ilgili Genel \u015eartlar\u2019da sigortac\u0131n\u0131n sorumlulu\u011funun ne zaman ba\u015flad\u0131\u011f\u0131n\u0131 kontrol edin. Bunu yaln\u0131zca belgeye sahip olmaktan, formu doldurmaktan ya da \u00f6deme yapmaktan yola \u00e7\u0131karak belirlemeyin.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"praktyczna-checklista-przed-zakupem\">Sat\u0131n almadan \u00f6nce kullan\u0131\u015fl\u0131 bir kontrol listesi<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00f6zle\u015fmeyi imzalamadan \u00f6nce birka\u00e7 somut ad\u0131m at\u0131n:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 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-itemswriter_eda000bcf3ed2bbf_2 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 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-itemswriter_eda000bcf3ed2bbf_2 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemswriter_eda000bcf3ed2bbf_2 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-writer_eda000bcf3ed2bbf_2_1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_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-writer_eda000bcf3ed2bbf_2_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\">Ge\u00e7erli bir poli\u00e7eniz varsa, \u00fczerinde belirtilen son ge\u00e7erlilik tarihini kontrol edin ve <strong>bu tarihi ka\u00e7\u0131rmaman\u0131z i\u00e7in<\/strong>.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_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-writer_eda000bcf3ed2bbf_2_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\">Elinizde bir belge veya onay belgesi varsa, \u00fczerinde yaz\u0131l\u0131 tarihi kontrol edin ve okunakl\u0131 bir kopyas\u0131n\u0131 saklay\u0131n.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_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-writer_eda000bcf3ed2bbf_2_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\">Belgede sizin durumunuz i\u00e7in \u00f6nemli bir tarih belirtiliyorsa, bunu takviminize kaydedin; kendi tahmininizle de\u011fi\u015ftirmeyin.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_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-writer_eda000bcf3ed2bbf_2_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\">Karar\u0131n tarihini bilmiyorsan\u0131z, poli\u00e7enin sona erme tarihini yaln\u0131zca davan\u0131n tahmini sonu\u00e7lanma tarihine ba\u011fl\u0131 olarak belirlemeyin.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_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-writer_eda000bcf3ed2bbf_2_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\">Belirli bir poli\u00e7eyi de\u011ferlendiriyorsan\u0131z, hem o poli\u00e7eyi hem de Genel Sigorta Ko\u015fullar\u0131n\u0131 inceleyin <strong>sorumlulu\u011fun ba\u015flang\u0131c\u0131 ve sonu<\/strong>.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_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-writer_eda000bcf3ed2bbf_2_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\">Bir se\u00e7enek belirlerken, kapsam\u0131n\u0131, sigorta tutar\u0131n\u0131, alt limitleri, k\u0131s\u0131tlamalar\u0131 ve istisnalar\u0131 kontrol edin.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_7 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_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-writer_eda000bcf3ed2bbf_2_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\">Daha \u00f6nce bir poli\u00e7eniz varsa, bu poli\u00e7enin sona erme tarihini yeni s\u00f6zle\u015fme belgelerinde belirtilen sorumluluk ba\u015flang\u0131\u00e7 tarihi ile kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_8 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-writer_eda000bcf3ed2bbf_2_8 .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-writer_eda000bcf3ed2bbf_2_8 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\">Davan\u0131zla ilgili g\u00fcncel \u015fartlar hakk\u0131nda bir teyit almad\u0131ysan\u0131z, <strong>sadece sat\u0131n alma i\u015fleminin bu konuyu \u00e7\u00f6zd\u00fc\u011f\u00fcn\u00fc varsayma<\/strong>.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Bu liste, s\u00f6zle\u015fmenin i\u00e7eri\u011finin veya resmi bilgilerin yerini almaz. Ancak, tek bir belirsiz tarihe dayal\u0131 bir karar verilmesini \u00f6nlemeye yard\u0131mc\u0131 olur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-zrobic-przed-koncem-ochrony\">Koruma s\u00fcresi sona ermeden \u00f6nce ne yap\u0131lmal\u0131?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">E\u011fer bir sigorta poli\u00e7eniz varsa, poli\u00e7ede belirtilen son tarihten \u00f6nce bir hat\u0131rlatma ayarlay\u0131n. <strong>Son g\u00fcne kadar beklemeyin<\/strong>, durumunuzu yeniden de\u011ferlendirmek i\u00e7in. Bu, s\u00fcrenin sona ermesini g\u00f6zden ka\u00e7\u0131rmamak ve bunu ancak olay ger\u00e7ekle\u015ftikten sonra fark etmemek i\u00e7in pratik bir yoldur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yeniden de\u011ferlendirme s\u0131ras\u0131nda yeni belgeler olup olmad\u0131\u011f\u0131n\u0131 kontrol edin. Yeni bir belgeniz veya onay\u0131n\u0131z varsa, \u00fczerinde yaz\u0131l\u0131 tarihi kontrol edin. Belgede durumunuzla ilgili bir tarih belirtiliyorsa, bunu mevcut poli\u00e7enizin ge\u00e7erlilik s\u00fcresiyle kar\u015f\u0131la\u015ft\u0131r\u0131n. Karar\u0131n tarihini h\u00e2l\u00e2 bilmiyorsan\u0131z, koruma s\u00fcresini yeniden g\u00f6zden ge\u00e7irin ve tahmininizi kesin bir ger\u00e7ekmi\u015f gibi sunmay\u0131n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ayr\u0131ca, bir sonraki s\u00f6zle\u015fmenin gerekli kapsam\u0131 kar\u015f\u0131lay\u0131p kar\u015f\u0131lamad\u0131\u011f\u0131n\u0131 da kontrol edin. <strong>Tarihlerin s\u00fcreklili\u011fi, t\u00fcm ko\u015fullar\u0131n s\u00fcreklili\u011fini otomatik olarak ifade etmez<\/strong>. Yeni poli\u00e7enin farkl\u0131 bir se\u00e7ene\u011fi, kapsam\u0131, sigorta tutar\u0131, alt limitleri veya istisnalar\u0131 olabilir. Her bir s\u00f6zle\u015fmeyi, kendi belgelerine g\u00f6re de\u011ferlendirin.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"najczestsze-bledy\">En s\u0131k yap\u0131lan hatalar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130lk hata, davan\u0131n tahmini sonu\u00e7lanma tarihini kesin bir tarih olarak belirtmektir. Bu tarih, belgeden al\u0131nmam\u0131\u015f olsa da, daha sonra ba\u015fka varsay\u0131mlar\u0131n dayana\u011f\u0131 haline gelebilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130kinci hata, yaln\u0131zca poli\u00e7enin s\u00fcresine odaklanmakt\u0131r. <strong>Koruma s\u00fcresi, parametrelerden sadece biridir<\/strong>. Kapsam, limitler, alt limitler, \u00f6deme ko\u015fullar\u0131 ve istisnalar da ayn\u0131 derecede \u00f6nemlidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dc\u00e7\u00fcnc\u00fc hata, bir sigorta poli\u00e7esine sahip olman\u0131n her durumda koruma sa\u011flad\u0131\u011f\u0131 varsay\u0131m\u0131d\u0131r. Sigortac\u0131n\u0131n sorumlulu\u011fu, s\u00f6zle\u015fme h\u00fck\u00fcmlerine ba\u011fl\u0131d\u0131r ve ayr\u0131nt\u0131l\u0131 kurallar, Genel Sigorta Ko\u015fullar\u0131 (OWU) ile ek maddelerde yer alabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00f6rd\u00fcnc\u00fc hata, formun doldurulmas\u0131, belgenin d\u00fczenlenmesi ya da \u00f6demenin yap\u0131lmas\u0131 nedeniyle yeni poli\u00e7enin y\u00fcr\u00fcrl\u00fc\u011fe girdi\u011finin otomatik olarak kabul edilmesidir. <strong>Poli\u00e7ede ve ilgili Genel \u015eartlar\u2019da sorumlulu\u011fun ba\u015flad\u0131\u011f\u0131 an\u0131 kontrol edin<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Be\u015finci hata, belgeleri yeniden kontrol etmeyi ertelemektir. Bir poli\u00e7eniz varsa, poli\u00e7enin ge\u00e7erlilik s\u00fcresinin dolmas\u0131ndan \u00f6nce g\u00f6nderilen hat\u0131rlatma mesaj\u0131ndan yararlan\u0131n ve durumu yeterince erken bir zamanda yeniden de\u011ferlendirin.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">S\u0131k\u00e7a 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-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Karar\u0131n al\u0131naca\u011f\u0131 tahmini tarihi kesin tarih olarak girebilir miyim?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hay\u0131r. Karar\u0131n kesin tarihini bilmiyorsan\u0131z, tahminlerinizi kesin bilgiymi\u015f gibi sunmay\u0131n. Elinizde bir belge veya teyit varsa, \u00fczerinde yaz\u0131l\u0131 tarihi kontrol edin. Gereklilikler konusunda, sizin durumunuzla do\u011frudan ilgili g\u00fcncel ve resmi bilgileri do\u011frulay\u0131n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Daha uzun s\u00fcreli bir poli\u00e7e, belgenin kabul edilece\u011fini garanti eder mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bu, yaln\u0131zca sigorta s\u00fcresine dayanarak garanti edilemez. <strong>Daha uzun bir s\u00fcre, kabul edilece\u011finin garantisi de\u011fildir<\/strong> ya da davan\u0131n belirli bir sonucunu. Se\u00e7im yaparken s\u00f6zle\u015fme ko\u015fullar\u0131n\u0131 g\u00f6z \u00f6n\u00fcnde bulundurun ve gereklilikleri yaln\u0131zca davan\u0131zla do\u011frudan ilgili g\u00fcncel, resmi bilgilere dayanarak de\u011ferlendirin.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Poli\u00e7edeki tarih, teminat\u0131n ba\u015flang\u0131c\u0131n\u0131 belirlemek i\u00e7in yeterli midir?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">B\u00f6yle bir sonuca yaln\u0131zca tek bir tarihe dayanarak varmamal\u0131y\u0131z. Bir sigorta poli\u00e7eniz varsa, \u00fczerinde yer alan bilgileri kontrol edin ve ard\u0131ndan ilgili Genel Sigorta Ko\u015fullar\u0131n\u0131 okuyun. <strong>S\u00f6zle\u015fmeye dayal\u0131 sorumlulu\u011fun ba\u015flang\u0131c\u0131, s\u00f6zle\u015fme \u015fartlar\u0131ndan kaynaklan\u0131r<\/strong>, bunlar belgede belirtilen s\u00fcreden daha fazla unsuru i\u00e7erebilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sigorta tutar\u0131 her bir olay i\u00e7in ayr\u0131 ayr\u0131 belirlenebilir mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bu, ilgili s\u00f6zle\u015fmenin ko\u015fullar\u0131na ba\u011fl\u0131d\u0131r. Kabul edilen ERGO Genel Sigorta Ko\u015fullar\u0131\u2019nda (OWU) teminat tutar\u0131, alt limitler dikkate al\u0131narak, sigorta s\u00fcresi i\u00e7indeki tek bir olay ve t\u00fcm olaylar i\u00e7in ge\u00e7erli bir limit olu\u015fturur. Kabul edilen Uniqa Genel Sigorta Ko\u015fullar\u0131\u2019nda (OWU) ise teminat tutarlar\u0131 ve alt limitler, sorumluluk \u00fcst s\u0131n\u0131rlar\u0131n\u0131 olu\u015fturur ve \u00f6denen tutarlar kadar azal\u0131r. <strong>Her zaman kulland\u0131\u011f\u0131n\u0131z s\u00fcr\u00fcm\u00fcn kurallar\u0131n\u0131 kontrol edin.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mevcut poli\u00e7enin s\u00fcresi yak\u0131nda dolacaksa ne yapmal\u0131?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ge\u00e7erli bir poli\u00e7eniz varsa, \u00fczerinde belirtilen son ge\u00e7erlilik tarihini kontrol edin ve \u00f6nceden bir hat\u0131rlatma ayarlay\u0131n. Yeni belgeler s\u00f6z konusuysa, \u00fczerinde yer alan tarihleri do\u011frulay\u0131n. Ard\u0131ndan, bir sonraki s\u00f6zle\u015fmedeki ge\u00e7erlilik s\u00fcresini, teminat kapsam\u0131n\u0131, limitleri ve istisnalar\u0131 dikkatlice inceleyin \u2013 ko\u015fullar\u0131n ayn\u0131 kalaca\u011f\u0131n\u0131 otomatik olarak varsaymay\u0131n.<\/p>\n<\/div><\/div>\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:\/\/studentinsurance.pl\/tr\/yabanci-uyruklu-kisinin-tedavi-masraflari-klc\/\">T\u0131bbi masraf sigortas\u0131n\u0131 kontrol edin<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Davan\u0131zla ilgili karar\u0131n kesin tarihini bilmiyorsan\u0131z, tahmini tarihi kesin tarih olarak belirtmeyin. Poli\u00e7e s\u00fcresini \u015funa g\u00f6re belirlemek uygun olur\u2026<\/p>","protected":false},"author":1,"featured_media":3707,"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":[13],"tags":[25,24,27,23,28,26],"class_list":["post-3708","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-karta-pobytu","tag-decyzja-pobytowa","tag-karta-pobytu","tag-koszty-leczenia-cudzoziemca","tag-okres-polisy","tag-owu","tag-ubezpieczenie-cudzoziemca"],"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>Jak dobra\u0107 okres polisy przy oczekiwaniu na kart\u0119 pobytu?<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, jak oddzieli\u0107 daty z dokument\u00f3w od przewidywa\u0144 i co zweryfikowa\u0107 w polisie oraz OWU przed wyborem okresu ochrony.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/studentinsurance.pl\/tr\/kilavuz\/oturma-izni-karti\/oturma-izni-kararinin-tarihini-bilmediginizde-sigorta-suresini-nasil-belirlemelisiniz\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak dobra\u0107 okres polisy przy oczekiwaniu na kart\u0119 pobytu?\" \/>\n<meta property=\"og:description\" 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