{"id":2446,"date":"2019-12-30T15:23:44","date_gmt":"2019-12-30T12:23:44","guid":{"rendered":"https:\/\/www.emsalgrupsigorta.com\/hayat-sigortalari"},"modified":"2020-01-03T01:19:56","modified_gmt":"2020-01-02T22:19:56","slug":"hayat-sigortalari","status":"publish","type":"page","link":"https:\/\/www.emsalgrupsigorta.com\/hayat-sigortalari","title":{"rendered":"Hayat Sigortalar\u0131"},"content":{"rendered":"

[vc_row][vc_column width=”1\/2″][vc_row_inner][vc_column_inner][vc_column_text]Hayat sigortalar\u0131, k\u00fc\u00e7\u00fck tasarruflar\u0131n y\u0131llar i\u00e7inde birikip ki\u015filerin refah seviyelerini ve ya\u015fam kalitelerini art\u0131rmaya y\u00f6nelik yap\u0131lan sigortalard\u0131r. Yap\u0131lan \u00f6demeler sigorta \u015firketi taraf\u0131ndan bir fonda toplan\u0131r ve de\u011fer kazanacak \u015fekilde idare edilir.<\/p>\n

Hayat sigortalar\u0131 \u00fclkelere g\u00f6re de\u011fi\u015fiklik g\u00f6stermektedir. T\u00fcrkiye\u2019de bu sigorta \u00e7e\u015fidi alt\u0131nda yer alan sigortalar \u015funlard\u0131r:<\/p>\n

a) \u00d6l\u00fcm Hali Sigortas\u0131: Sigortal\u0131n\u0131n \u00f6l\u00fcm\u00fc halinde miras\u00e7\u0131lar\u0131na veya sigorta s\u00f6zle\u015fmesinde belirledi\u011fi ki\u015filere birikmi\u015f tazminat \u00f6demesi yap\u0131l\u0131r.<\/p>\n

b) Grup Hayat Sigortas\u0131: Ayn\u0131 t\u00fczel ki\u015fili\u011fe ba\u011fl\u0131 olarak \u00e7al\u0131\u015fan en az 10 ki\u015fi olacak \u015fekilde yap\u0131lan hayat sigortas\u0131d\u0131r. Vefat, kazaya ba\u011fl\u0131 vefat, s\u00fcrekli sakatl\u0131k gibi durumlarda sigorta bedeli \u00fczerinden tazminat \u00f6denir.<\/p>\n

c) Maluliyet Sigortas\u0131: Sigorta poli\u00e7esine dahil olan bir kaza durumu sonras\u0131nda ki\u015finin s\u00fcrekli sakatl\u0131\u011fa maruz kald\u0131\u011f\u0131nda tazminat \u00f6denmektedir.<\/p>\n

d) Ferdi Kaza Sigortas\u0131: Ani ve beklenmedik kazalara kar\u015f\u0131 g\u00fcvence sa\u011flar. \u00d6l\u00fcm, kaza, sa\u011fl\u0131kla ilgili durumlarda poli\u00e7ede belirlenen oranlarda tazminat \u00f6demesi yap\u0131l\u0131r.<\/p>\n

e) Sa\u011fl\u0131k Sigortas\u0131: Ki\u015filerin hastal\u0131k risklerini kapsayan sigortad\u0131r. Sigorta \u015firketinin anla\u015fmal\u0131 oldu\u011fu sa\u011fl\u0131k kurulu\u015flar\u0131nda ge\u00e7erlidir. Yatarak ve ayakta tedaviyi kapsayabilir ve tedavi masraflar\u0131n\u0131n kar\u015f\u0131lanmas\u0131 ama\u00e7lan\u0131r.<\/p>\n

f) \u00d6zel Durum Sigortas\u0131: Di\u011fer sigortalar\u0131n kapsam\u0131na girmeyen \u00f6zel durumlar i\u00e7in ki\u015filerin isteklerine ba\u011fl\u0131 olarak yap\u0131lan sigortalard\u0131r. Poli\u00e7elerde yer almayan hastal\u0131klar, kaza risklerine kar\u015f\u0131 yap\u0131l\u0131r ve prim \u00f6demeleri risk grubunun azl\u0131\u011f\u0131 dolay\u0131s\u0131yla di\u011fer sigortalardan y\u00fcksek olabilir.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=”1\/2″][vc_single_image image=”2385″ img_size=”full”]

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[vc_row][vc_column width=”1\/2″][vc_row_inner][vc_column_inner][vc_column_text]Hayat sigortalar\u0131, k\u00fc\u00e7\u00fck tasarruflar\u0131n y\u0131llar i\u00e7inde birikip ki\u015filerin refah seviyelerini ve ya\u015fam kalitelerini art\u0131rmaya y\u00f6nelik yap\u0131lan sigortalard\u0131r. Yap\u0131lan \u00f6demeler sigorta \u015firketi taraf\u0131ndan bir fonda toplan\u0131r ve de\u011fer kazanacak \u015fekilde idare edilir. Hayat sigortalar\u0131 \u00fclkelere g\u00f6re de\u011fi\u015fiklik g\u00f6stermektedir. T\u00fcrkiye\u2019de bu sigorta \u00e7e\u015fidi alt\u0131nda yer alan sigortalar \u015funlard\u0131r: a) \u00d6l\u00fcm Hali Sigortas\u0131: Sigortal\u0131n\u0131n \u00f6l\u00fcm\u00fc halinde miras\u00e7\u0131lar\u0131na […]<\/p>\n","protected":false},"author":2,"featured_media":2386,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":[],"_links":{"self":[{"href":"https:\/\/www.emsalgrupsigorta.com\/wp-json\/wp\/v2\/pages\/2446"}],"collection":[{"href":"https:\/\/www.emsalgrupsigorta.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.emsalgrupsigorta.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.emsalgrupsigorta.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.emsalgrupsigorta.com\/wp-json\/wp\/v2\/comments?post=2446"}],"version-history":[{"count":2,"href":"https:\/\/www.emsalgrupsigorta.com\/wp-json\/wp\/v2\/pages\/2446\/revisions"}],"predecessor-version":[{"id":2505,"href":"https:\/\/www.emsalgrupsigorta.com\/wp-json\/wp\/v2\/pages\/2446\/revisions\/2505"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.emsalgrupsigorta.com\/wp-json\/wp\/v2\/media\/2386"}],"wp:attachment":[{"href":"https:\/\/www.emsalgrupsigorta.com\/wp-json\/wp\/v2\/media?parent=2446"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}