{"id":3424,"date":"2026-11-11T19:59:54","date_gmt":"2026-11-11T18:59:54","guid":{"rendered":"https:\/\/medicalinsurance.pl\/?p=3424"},"modified":"2026-11-11T19:59:54","modified_gmt":"2026-11-11T18:59:54","slug":"nnw-bireysel","status":"publish","type":"post","link":"https:\/\/medicalinsurance.pl\/tr\/poradnik\/ubezpieczenie-nnw-indywidualne\/nnw-indywidualne\/","title":{"rendered":"Bireysel NNW \u2013 neleri kapsar, neleri kapsamaz?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Bireysel Kaza Sigortas\u0131\u2019n\u0131n t\u00fcm sigorta \u015firketleri i\u00e7in ortak tek bir kapsam\u0131 yoktur. Ayn\u0131 isim, farkl\u0131 hizmet paketlerini, farkl\u0131 \u00f6deme hesaplama kurallar\u0131n\u0131 ve olay sonras\u0131 farkl\u0131 y\u00fck\u00fcml\u00fcl\u00fckleri ifade edebilir. Bu nedenle, bir poli\u00e7e se\u00e7erken teklifte \u201eyaralanma\u201d, \u201e\u00f6l\u00fcm\u201d veya \u201eyard\u0131m hizmeti\u201d kelimelerinin yer al\u0131p almad\u0131\u011f\u0131n\u0131 kontrol etmek yeterli de\u011fildir. Bunlar\u0131n hangi se\u00e7eneklerde mevcut oldu\u011funu ve hangi ko\u015fullar\u0131n yerine getirilmesi gerekti\u011fini belirlemek gerekir. <strong>Koruma otomatik olarak ayn\u0131 de\u011fildir<\/strong> \u00fcr\u00fcnler ayn\u0131 kategoriye ait olsa bile. A\u015fa\u011f\u0131da, Warta, Compensa, PZU ve TUZ Ubezpieczenia\u2019n\u0131n Genel Sigorta Ko\u015fullar\u0131\u2019ndan al\u0131nan somut \u00f6rnekler \u00fczerinden kaza sigortas\u0131 kapsam\u0131n\u0131n nas\u0131l okunaca\u011f\u0131n\u0131 ve s\u00f6zle\u015fme imzalanmadan \u00f6nce ve kaza sonras\u0131nda nelere dikkat edilmesi gerekti\u011fini a\u00e7\u0131kl\u0131yoruz.<\/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<li><a href=\"#jak-dziala-zakres-indywidualnego-nnw\">Ki\u015fisel kaza sigortas\u0131 kapsam\u0131 nas\u0131l i\u015fler?<\/a><\/li>\n\n\n\n<li><a href=\"#co-moze-obejmowac-indywidualne-nnw\">Bireysel kaza sigortas\u0131 neleri kapsayabilir?<\/a><\/li>\n\n\n\n<li><a href=\"#czego-nnw-moze-nie-obejmowac\">Koruma k\u0131s\u0131tlamalar\u0131n\u0131 nas\u0131l kontrol edebilirim?<\/a><\/li>\n\n\n\n<li><a href=\"#co-zrobic-po-wypadku\">Kaza sonras\u0131 ne yap\u0131lmal\u0131?<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">Bireysel Kaza Sigortas\u0131 ile ilgili en s\u0131k sorulan sorular<\/a><\/li>\n\n\n\n<li><a href=\"#jak-ocenic-polise-przed-zakupem\">Sat\u0131n almadan \u00f6nce sigorta poli\u00e7esini nas\u0131l de\u011ferlendirmeli?<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-dziala-zakres-indywidualnego-nnw\">Ki\u015fisel kaza sigortas\u0131 kapsam\u0131 nas\u0131l i\u015fler?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kapsam, tan\u0131mlar, hizmet listesi, tutarlar ve limitler ile istisnalara ili\u015fkin h\u00fck\u00fcmlerle birlikte okunmal\u0131d\u0131r. Yaralanman\u0131n meydana gelmesi tek ba\u015f\u0131na \u00f6deme yap\u0131laca\u011f\u0131na dair bir karar anlam\u0131na gelmez. \u00d6ncelikle \u015funu kontrol etmek gerekir: <strong>olay, tan\u0131m\u0131n kapsam\u0131na giriyor<\/strong> s\u00f6z konusu s\u00f6zle\u015fmede kabul edilen \u015fartlara uygun olup olmad\u0131\u011f\u0131 ve ard\u0131ndan se\u00e7ilen se\u00e7ene\u011fin ilgili hizmeti \u00f6ng\u00f6r\u00fcp \u00f6ng\u00f6rmedi\u011fi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6deme tutar\u0131n\u0131n belirlenme \u015fekli de \u00f6nemlidir. Compensa\u2019n\u0131n \u0130\u015f Kazalar\u0131 Sigortas\u0131 ile ilgili belgesinde, sigorta tutar\u0131 sorumluluk \u00fcst s\u0131n\u0131r\u0131 olarak tan\u0131mlanmaktad\u0131r. Kaza sonucu \u00f6l\u00fcm durumunda, belgede bu tutar\u0131n 0\u2019\u00fc kadar tazminat \u00f6denebilece\u011fi belirtilmektedir. Maluliyet durumunda ise \u00f6deme, Genel Sigorta Ko\u015fullar\u0131\u2019ndaki tabloda belirtilen tutar\u0131n belirli bir y\u00fczdesi kadard\u0131r. <strong>Sigorta tutar\u0131, \u00fcst s\u0131n\u0131r\u0131 belirler<\/strong>, ancak bu, her hasar\u0131n bu tutar\u0131n tamam\u0131n\u0131n \u00f6denmesine yol a\u00e7t\u0131\u011f\u0131 anlam\u0131na gelmez.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dolay\u0131s\u0131yla, pratikte \u015fu \u00fc\u00e7 unsuru bir araya getirmek faydal\u0131 olacakt\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>se\u00e7ilen se\u00e7ene\u011fin kapsam\u0131na giren olaylar;<\/li>\n\n\n\n<li>belirli bir olaya atanan yard\u0131mlar;<\/li>\n\n\n\n<li>\u00d6deme tutar\u0131n\u0131n belirlenmesine ili\u015fkin kurallar, buna ilgili Genel \u015eartlar tablosu da dahildir.<\/li>\n<\/ul>\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>Zarar y\u00fczdesi ve toplam\u0131n y\u00fczdesi<\/strong> sadece poli\u00e7enin ad\u0131na g\u00f6re de\u011ferlendirilmemelidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130lgili kurallar, belirli bir \u00fcr\u00fcn ve varyantla ilgili belgelerde belirtilmi\u015ftir. Bu t\u00fcr bir koruman\u0131n i\u015flevleri hakk\u0131nda daha kapsaml\u0131 bir a\u00e7\u0131klama i\u00e7in \u015fu k\u0131lavuza bakabilirsiniz: <a href=\"https:\/\/medicalinsurance.pl\/tr\/rehber\/ferdi-kaza-sigortasi\/nv-si%cc%87gortasi-korumanin-5-temel-faydasi\/\">NNW sigortas\u0131n\u0131n en \u00f6nemli avantajlar\u0131<\/a>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-moze-obejmowac-indywidualne-nnw\">Bireysel kaza sigortas\u0131 neleri kapsayabilir?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kapsam\u0131n belirli bir pakete ba\u011fl\u0131 olmas\u0131n\u0131n iyi bir \u00f6rne\u011fi, 2025 tarihli Genel Sigorta Ko\u015fullar\u0131\u2019na g\u00f6re Warta\u2019n\u0131n \u201cSizin \u0130\u00e7in Paket \u2013 NNW\u201d paketidir. Temel kapsam\u0131nda kal\u0131c\u0131 sa\u011fl\u0131k bozuklu\u011fu ve \u00f6l\u00fcm\u00fcn yan\u0131 s\u0131ra ortopedik cihazlar\u0131n ve yard\u0131mc\u0131 ara\u00e7lar\u0131n onar\u0131m\u0131 veya sat\u0131n al\u0131nmas\u0131 yer almaktad\u0131r. Belge ayr\u0131ca engelli ki\u015filerin mesleki e\u011fitimini ve konutun engellilere uygun hale getirilmesi i\u00e7in yap\u0131lan masraflar\u0131n geri \u00f6denmesini de belirtmektedir. Bu belirli pakette <strong>\u00f6l\u00fcm, kal\u0131c\u0131 sakatl\u0131k ve belirli masraflar<\/strong> birbirleriyle birlikte yer al\u0131rlar, ancak bu kombinasyonun her kaza sigortas\u0131 poli\u00e7esine uygulanmas\u0131 yasakt\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ayn\u0131 belgede, yard\u0131m hizmetleri 12 ayl\u0131k s\u00f6zle\u015fmelerle ilgilidir. Bu \u00f6nemli bir husustur: Hizmetin \u00fcr\u00fcn materyallerinde yer almas\u0131, bu hizmetin kullan\u0131labilirli\u011finin s\u00f6zle\u015fme s\u00fcresine veya plana ba\u011fl\u0131 olmas\u0131 durumunda yeterli de\u011fildir. <strong>Yard\u0131m hizmeti, 12 ayl\u0131k s\u00f6zle\u015fmeler i\u00e7in ge\u00e7erlidir<\/strong> Warta\u2019n\u0131n s\u00f6z konusu paketinde yer alan, her bir bireysel kaza sigortas\u0131 poli\u00e7esinde otomatik olarak ge\u00e7erli olmayan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2020 tarihli Genel Sigorta Ko\u015fullar\u0131\u2019na g\u00f6re PZU NNW Genel sigortas\u0131nda farkl\u0131 bir mekanizma g\u00f6ze \u00e7arpmaktad\u0131r. Bu belge, temel kapsamda \u00e7e\u015fitli hizmet paketleri \u00f6ng\u00f6r\u00fcrken, geni\u015fletilmi\u015f kapsam ise ek prim kar\u015f\u0131l\u0131\u011f\u0131nda elde edilebilir. Bu, \u015fu anlama gelir ki, <strong>Temel ve geni\u015fletilmi\u015f kapsam birbirinden ayr\u0131lmal\u0131d\u0131r<\/strong> teklifin de\u011ferlendirilmesi s\u0131ras\u0131nda. S\u0131rf bu husus Genel \u015eartlar\u2019\u0131n ilerleyen b\u00f6l\u00fcmlerinde yer al\u0131yor diye, hizmetin temel unsurlar\u0131na ekleme yap\u0131lmamal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se\u00e7imden \u00f6nce <a href=\"https:\/\/medicalinsurance.pl\/tr\/nnw-bireysel\/\">\u00c7evrimi\u00e7i bireysel kaza sigortas\u0131<\/a> bu nedenle sadece avantajlar listesini de\u011fil, ayn\u0131 zamanda her bir ek \u00f6zelli\u011fin ad\u0131n\u0131 ve etkinle\u015ftirme ko\u015fullar\u0131n\u0131 da kontrol edin. E\u011fer belgede bir uzant\u0131 belirtiliyorsa, <strong>ek prim bir ko\u015ful olabilir<\/strong> daha geni\u015f bir kapsam elde etmek.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"realistyczny-przyklad\">Yard\u0131m hizmetinin kullan\u0131labilirlik ko\u015fullar\u0131n\u0131 kontrol edin<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\"Sizin \u0130\u00e7in Paket\" kapsam\u0131nda \u2013 2025 tarihli Genel Sigorta Ko\u015fullar\u0131\u2019na g\u00f6re Warta\u2019n\u0131n Kaza Sigortas\u0131\u2019nda yard\u0131m hizmeti, 12 ayl\u0131k s\u00fcreyle yap\u0131lan s\u00f6zle\u015fmeler i\u00e7in ge\u00e7erlidir. Bu paketi incelerken, s\u00f6zle\u015fme s\u00fcresine ve se\u00e7ti\u011finiz se\u00e7ene\u011finde \u00f6ng\u00f6r\u00fclen teminatlara dikkat edin. Bu \u00fcr\u00fcn\u00fcn ko\u015fullar\u0131n\u0131 di\u011fer poli\u00e7elere uygulamay\u0131n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"czego-nnw-moze-nie-obejmowac\">Koruma k\u0131s\u0131tlamalar\u0131n\u0131 nas\u0131l kontrol edebilirim?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcm bireysel kaza sigortas\u0131 poli\u00e7elerine g\u00fcvenle uygulanabilecek tek bir evrensel istisna listesi mevcut de\u011fildir. Kapsam, se\u00e7enekler ve s\u0131n\u0131rlamalar, ilgili s\u00f6zle\u015fme belgelerinden kaynaklanmaktad\u0131r. Bu nedenle <strong>\u0130stisnalar her zaman kendi Genel \u015eartlar ve Ko\u015fullar\u0131n\u0131zda kontrol edilmelidir<\/strong>, bir k\u0131lavuzda bulunan ya da ba\u015fka bir \u00fcr\u00fcnden ezberledi\u011finiz genel bir listeyi kullanmak yerine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ayn\u0131 \u015fekilde, her poli\u00e7enin temel kapsam\u0131nda tedavi masraflar\u0131n\u0131, rehabilitasyonu, hastanede kal\u0131\u015f masraflar\u0131n\u0131 veya yard\u0131m hizmetlerini i\u00e7erdi\u011fi varsay\u0131lmamal\u0131d\u0131r. Hizmet kapsam\u0131, \u00fcr\u00fcne, pakete ve ek teminatlara g\u00f6re de\u011fi\u015febilir. <strong>Tek bir belge, pazar\u0131n tamam\u0131n\u0131 yans\u0131tmaz<\/strong> ve kapsam sorusuna evrensel bir cevap olarak kullan\u0131lmamal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Halk aras\u0131nda genellikle kaza sigortas\u0131 kapsam\u0131na dahil edilen olaylar \u00f6zel bir dikkat gerektirir; ancak bunlar\u0131n kapsam\u0131na al\u0131nmas\u0131, ayr\u0131nt\u0131l\u0131 ko\u015fullara ba\u011fl\u0131 olabilir. Kalp krizi, fel\u00e7 veya hastal\u0131klar\u0131n her zaman i\u015f kazas\u0131 sigortas\u0131 kapsam\u0131na girdi\u011fini varsaymamak gerekir. Belgelerde ilgili se\u00e7ene\u011fin teyit edilmedi\u011fi s\u00fcrece, bunlar sigorta kapsam\u0131 i\u00e7inde kabul edilemez.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"checklista-przed-zawarciem-umowy\">S\u00f6zle\u015fme imzalanmadan \u00f6nce kontrol listesi<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-checklist-01:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-checklist-01 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-itemsnnw-checklist-01 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-checklist-01 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-checklist-01 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsnnw-checklist-01 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-itemsnnw-checklist-01 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-checklist-01 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-checklist-01 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-checklist-01 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsnnw-checklist-01 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-nnw-check-01 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-check-01 .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-nnw-check-01 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 tan\u0131mlar\u0131n\u0131 inceleyin<\/strong> ve bunlar\u0131n, korktu\u011funuz durumlara uygun oldu\u011fundan emin olun.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-nnw-check-02 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-check-02 .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-nnw-check-02 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\">Temel ve geni\u015fletilmi\u015f hizmetleri ayr\u0131 ayr\u0131 listeleyin; bunlar\u0131 tek bir katalogda birle\u015ftirmeyin.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-nnw-check-03 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-check-03 .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-nnw-check-03 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\">Sigorta tutar\u0131n\u0131 ve maddi hasar tazminat\u0131n\u0131n hesaplanma \u015feklini kontrol edin.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-nnw-check-04 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-check-04 .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-nnw-check-04 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\u00e7ti\u011finiz se\u00e7ene\u011fe ili\u015fkin istisnalar\u0131, s\u0131n\u0131rlamalar\u0131 ve ko\u015fullar\u0131 okuyun.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-nnw-check-05 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-check-05 .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-nnw-check-05 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>Genel \u015eartlar ve Ko\u015fullar\u0131n s\u00fcr\u00fcm\u00fcn\u00fc ve tarihini kaydedin<\/strong>, teklifinizi de\u011ferlendirirken esas ald\u0131\u011f\u0131n\u0131z kriterler.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">E\u011fer \u00f6ncelikle bu t\u00fcr bir sigortay\u0131 sat\u0131n alma nedenlerinizi netle\u015ftirmek istiyorsan\u0131z, \u015fu makaleyi de okuyun: <a href=\"https:\/\/medicalinsurance.pl\/tr\/rehber\/ferdi-kaza-sigortasi\/nnwye-sahip-olmanin-faydalari-nelerdir\/\">Ki\u015fisel Kaza Sigortas\u0131n\u0131n Avantajlar\u0131<\/a>. Ancak, bu avantajlar\u0131n a\u00e7\u0131klamas\u0131n\u0131n, ilgili s\u00f6zle\u015fme belgelerinin incelenmesinin yerini tutmad\u0131\u011f\u0131n\u0131 unutmay\u0131n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-zrobic-po-wypadku\">Kaza sonras\u0131 ne yap\u0131lmal\u0131?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bir olay\u0131n ard\u0131ndan, sadece teminat kapsam\u0131 de\u011fil, s\u00f6zle\u015fmede belirtilen y\u00fck\u00fcml\u00fcl\u00fcklerin yerine getirilmesi de \u00f6nemlidir. Farkl\u0131 genel sigorta \u015fartlar\u0131, farkl\u0131 bilgi ve belge setleri gerektirebilir; bu nedenle, kendi poli\u00e7enize ili\u015fkin kurallara uygun hareket etmeniz gerekir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Warta\u2019n\u0131n 2025 tarihli Kaza ve Yard\u0131m Sigortas\u0131 Genel \u015eartlar\u0131\u2019na g\u00f6re, sigortal\u0131ya <strong>kazayla ilgili delilleri muhafaza etmek<\/strong>. Belge, kaza sonras\u0131 tedavi s\u00fcrecine ili\u015fkin eksiksiz t\u0131bbi kay\u0131tlar\u0131n yan\u0131 s\u0131ra kaza \u00f6ncesine ait kay\u0131tlar\u0131n da sunulmas\u0131n\u0131 gerektirir. Bu \u00fcr\u00fcnde <strong>Eksiksiz t\u0131bbi belgeler hayati \u00f6nem ta\u015f\u0131r<\/strong> talebin gerek\u00e7elendirilmesi i\u00e7in.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2020 tarihli PZU NNW Genel Sigorta Ko\u015fullar\u0131\u2019na g\u00f6re, sigortal\u0131 derhal t\u0131bbi yard\u0131m almal\u0131 ve \u00f6nerilen tedaviye uymal\u0131, PZU\u2019ya bildirimde bulunmal\u0131, ard\u0131ndan olay\u0131n nedenleri ve seyrine ili\u015fkin a\u00e7\u0131klamay\u0131 ve yaralanmay\u0131 veya sa\u011fl\u0131k bozuklu\u011funu teyit eden t\u0131bbi belgeleri sunmal\u0131d\u0131r. <strong>Kazan\u0131n nedenleri ve seyrine ili\u015fkin a\u00e7\u0131klama<\/strong> somut olmal\u0131 ve eldeki belgelerle tutarl\u0131 olmal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Al\u0131nt\u0131 yap\u0131lan 2026 tarihli TUZ Sigorta Genel \u015eartlar\u0131, sigortac\u0131ya kazadan veya hasar hakk\u0131nda bilgi edinilmesinden itibaren en ge\u00e7 14 g\u00fcn i\u00e7inde derhal bildirimde bulunulmas\u0131n\u0131 \u00f6ng\u00f6rmektedir. Ayr\u0131ca, hasar bildirim formunun doldurulmas\u0131n\u0131 da \u015fart ko\u015fmaktad\u0131r. Bu s\u00fcre, ek maddelerin ayr\u0131 h\u00fck\u00fcmlerinden kaynaklanan istisnalara tabidir. <strong>14 g\u00fcnl\u00fck s\u00fcre, bu TUZ belgesine ili\u015fkindir<\/strong> ve t\u00fcm poli\u00e7eler i\u00e7in ge\u00e7erli olan evrensel bir terim de\u011fildir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En g\u00fcvenli i\u015flem s\u0131ras\u0131 \u015fudur:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>ihtiya\u00e7 duyulan yard\u0131m\u0131 almak ve \u00f6nerilen tedaviye uymak;<\/li>\n\n\n\n<li><strong>belgeleri ve kan\u0131tlar\u0131 g\u00fcvence alt\u0131na almak<\/strong> olayla ilgili;<\/li>\n\n\n\n<li>kendi Genel \u015eartlar ve Ko\u015fullar\u0131nda ilgili prosed\u00fcr\u00fc ve s\u00fcreyi kontrol etmek;<\/li>\n\n\n\n<li>olay\u0131 bildirmek ve gerekli a\u00e7\u0131klamay\u0131 ve belgeleri sunmak;<\/li>\n\n\n\n<li>G\u00f6nderilen materyallerin kopyalar\u0131n\u0131 saklay\u0131n.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">Bireysel Kaza Sigortas\u0131 ile ilgili en s\u0131k 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-constrained wp-block-group-is-layout-constrained\">\n\n<h3 class=\"wp-block-heading\" id=\"czy-kazde-nnw-obejmuje-trwaly-uszczerbek-na-zdrowiu\">Her i\u015f kazas\u0131 sigortas\u0131, kal\u0131c\u0131 sa\u011fl\u0131k bozuklu\u011funu kapsar m\u0131?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bunu her s\u00f6zle\u015fme i\u00e7in tek bir genel ifadeyle do\u011frulamak m\u00fcmk\u00fcn de\u011fildir. Kal\u0131c\u0131 sakatl\u0131k, di\u011ferlerinin yan\u0131 s\u0131ra, \u201cSizin \u0130\u00e7in Paket \u2013 Warta Kaza Sigortas\u0131\u201dn\u0131n a\u00e7\u0131klanan temel kapsam\u0131 i\u00e7inde yer almaktad\u0131r; ancak de\u011ferlendirilen her bir poli\u00e7enin kapsam\u0131, ilgili poli\u00e7e \u00e7e\u015fidinin belgelerinde kontrol edilmelidir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-suma-ubezpieczenia-jest-kwota-wyplacana-po-kazdym-wypadku\">Sigorta tutar\u0131, her kazadan sonra \u00f6denen tutar m\u0131d\u0131r?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hay\u0131r. Compensa belgesinde belirtilen tutar, sorumluluk s\u0131n\u0131r\u0131n\u0131 olu\u015fturur. Hasar durumunda, tazminat tutar\u0131 Genel \u015eartlar tablosuna g\u00f6re bu tutar\u0131n belirli bir y\u00fczdesi olarak belirlenir. <strong>Toplam tutar\u0131n tamam\u0131 otomatik olarak \u00f6denmez<\/strong> kapsamdaki her olay\u0131n ard\u0131ndan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-assistance-zawsze-znajduje-sie-w-podstawowym-nnw\">Yard\u0131m hizmeti her zaman temel kaza sigortas\u0131 kapsam\u0131nda m\u0131d\u0131r?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bunu varsaymamak gerekir. A\u00e7\u0131klanan Warta Assistance paketinde, bu hizmet 12 ayl\u0131k s\u00f6zle\u015fmeler i\u00e7in ge\u00e7erlidir; di\u011fer \u00fcr\u00fcnlerin ko\u015fullar\u0131 ise farkl\u0131 olabilir. Bu hizmetin kullan\u0131labilirli\u011fi, se\u00e7ilen se\u00e7ene\u011fin onaylanmas\u0131na ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-rozszerzenia-sa-wliczone-w-podstawowy-zakres\">Eklentiler temel kapsam\u0131n i\u00e7inde mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Her zaman de\u011fil. PZU NNW Og\u00f3lne\u2019de, al\u0131nt\u0131lanan Genel Sigorta Ko\u015fullar\u0131\u2019na g\u00f6re, kapsam\u0131n geni\u015fletilmesi i\u00e7in ek prim \u00f6denmesi gerekmektedir. <strong>Geni\u015fletme, temel ile e\u015fanlaml\u0131 de\u011fildir<\/strong>, bu nedenle her iki alan da ayr\u0131 ayr\u0131 analiz edilmelidir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-dokumenty-warto-zachowac-po-wypadku\">Bir kaza sonras\u0131nda hangi belgeleri saklamakta fayda vard\u0131r?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Belgelerin kapsam\u0131, ilgili Genel Sigorta \u015eartlar\u0131\u2019na g\u00f6re belirlenir. Warta, s\u00f6z konusu \u00fcr\u00fcnde kazayla ilgili kan\u0131tlar\u0131n yan\u0131 s\u0131ra, kaza sonras\u0131 ve kaza \u00f6ncesi tedaviye ait eksiksiz t\u0131bbi belgeleri talep etmektedir. PZU ise olay\u0131n nedenleri ve seyrine ili\u015fkin a\u00e7\u0131klamalar\u0131n yan\u0131 s\u0131ra, yaralanma veya sa\u011fl\u0131k bozuklu\u011funu do\u011frulayan belgeleri de talep etmektedir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ile-czasu-jest-na-zgloszenie-zdarzenia\">Olay\u0131 bildirmek i\u00e7in ne kadar s\u00fcre var?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kendi s\u00f6zle\u015fmenizde belirtilen s\u00fcreyi kontrol etmeniz gerekir. Al\u0131nt\u0131 yap\u0131lan TUZ Sigorta Genel \u015eartlar\u0131\u2019na g\u00f6re, ek maddelerde yer alan ayr\u0131 h\u00fck\u00fcmler sakl\u0131 kalmak kayd\u0131yla, hasar\u0131n derhal, en ge\u00e7 14 g\u00fcn i\u00e7inde bildirilmesi gerekmektedir. <strong>Bu, t\u00fcm piyasa i\u00e7in ge\u00e7erli bir kural de\u011fildir<\/strong>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-ocenic-polise-przed-zakupem\">Sat\u0131n almadan \u00f6nce sigorta poli\u00e7esini nas\u0131l de\u011ferlendirmeli?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bir kaza sigortas\u0131n\u0131n do\u011fru bir \u015fekilde de\u011ferlendirilmesi, ihtiya\u00e7 duyulan teminatlar\u0131n kesin olarak belirlenmesiyle ba\u015flar ve belirli bir sigorta plan\u0131 ile g\u00fcncel belgeler kapsam\u0131nda bu teminatlar\u0131n kapsam\u0131n\u0131n do\u011frulanmas\u0131yla sona erer. Sadece tekliflerin ba\u015fl\u0131klar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131rmamak gerekir. Olay tan\u0131mlar\u0131n\u0131n, temel kapsam\u0131n, mevcut ek teminatlar\u0131n, sigorta tutar\u0131n\u0131n, tazminat hesaplama kurallar\u0131n\u0131n, sorumluluk istisnalar\u0131n\u0131n ve kaza sonras\u0131 sigortal\u0131n\u0131n y\u00fck\u00fcml\u00fcl\u00fcklerinin kar\u015f\u0131la\u015ft\u0131r\u0131lmas\u0131 hayati \u00f6nem ta\u015f\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En \u00f6nemli sonu\u00e7 \u00e7ok basit: <strong>Karar, belirli bir Genel \u015eartlar ve Ko\u015fullar\u2019dan kaynaklanmal\u0131d\u0131r<\/strong>. Warta, Compensa, PZU ve TUZ Ubezpieczenia \u00f6rnekleri, teminat\u0131n \u00e7e\u015fitli unsurlar\u0131n\u0131 ve prosed\u00fcrleri g\u00f6stermektedir; ancak bunlar\u0131n hi\u00e7biri t\u00fcm poli\u00e7eler i\u00e7in ortak bir standart olu\u015fturmamaktad\u0131r. Ko\u015fullar\u0131n\u0131 anlad\u0131\u011f\u0131n\u0131z bir teminat kapsam\u0131 se\u00e7in ve imzalanan s\u00f6zle\u015fmeyle ilgili belgeleri saklay\u0131n.<\/p>","protected":false},"excerpt":{"rendered":"<p>Bireysel kaza sigortas\u0131n\u0131n, t\u00fcm sigorta \u015firketleri i\u00e7in ortak tek bir kapsam\u0131 yoktur. Ayn\u0131 isim, farkl\u0131 hizmet paketlerini ve farkl\u0131 hesaplama kurallar\u0131n\u0131 ifade edebilir\u2026<\/p>","protected":false},"author":1,"featured_media":3423,"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":[27],"tags":[93,92,91,90],"class_list":["post-3424","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-nnw-indywidualne","tag-owu-nnw","tag-uszczerbek-na-zdrowiu","tag-wylaczenia-nnw","tag-zakres-ochrony-nnw"],"acf":[],"yoast_head":"<!-- This site is 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