{"id":3931,"date":"2026-10-26T19:55:24","date_gmt":"2026-10-26T18:55:24","guid":{"rendered":"https:\/\/ubezpieczenie-cudzoziemca.pl\/?p=3931"},"modified":"2026-10-26T19:55:24","modified_gmt":"2026-10-26T18:55:24","slug":"yabanci-sporcular-icin-sigorta-sigorta-sartlarinin-kapsamini-nasil-kontrol-edebilirim","status":"publish","type":"post","link":"https:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/poradnik\/ubezpieczenie-a-cel-pobytu\/ubezpieczenie-dla-sportowca-cudzoziemca-jak-sprawdzic-zakres-owu\/","title":{"rendered":"Spor vizesi i\u00e7in sigorta \u2013 hangi \u015fartlar ge\u00e7erlidir?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Spor vizesi sigortas\u0131, sadece kal\u0131\u015f amac\u0131na de\u011fil, ayn\u0131 zamanda sporcunun fiili faaliyetine de uygun olmal\u0131d\u0131r. Hobi ama\u00e7l\u0131 antrenman, yar\u0131\u015fmalara kat\u0131l\u0131m ve profesyonel spor, Genel Sigorta Ko\u015fullar\u0131\u2019nda (OWU) farkl\u0131 \u015fekillerde ele al\u0131nabilir. Bu nedenle, poli\u00e7enin ad\u0131 tek ba\u015f\u0131na teminat kapsam\u0131n\u0131 de\u011ferlendirmek i\u00e7in yeterli de\u011fildir. \u00d6nemli olan \u015funu kontrol etmektir: <strong>faaliyetin niteli\u011fi<\/strong>, tedavi masraflar\u0131 i\u00e7in garanti edilen tutar\u0131n miktar\u0131, sporlarla ilgili istisnalar ve ek h\u00fck\u00fcmlerin dahil edilmesine ili\u015fkin kurallar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu k\u0131lavuzda, bu ad\u0131mlar\u0131 tahmin y\u00fcr\u00fctmeden nas\u0131l atlatabilece\u011finizi g\u00f6steriyoruz. Referans noktas\u0131 \u015fudur: <strong>Genel \u015eartlar\u2019\u0131n lafz\u0131<\/strong> belirli \u00fcr\u00fcnler. Sat\u0131n almadan \u00f6nce, s\u00f6z konusu vize ba\u015fvurusu i\u00e7in ge\u00e7erli g\u00fcncel gereklilikleri ve sigorta \u015firketi taraf\u0131ndan d\u00fczenlenen belgeleri kontrol edin.<\/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=\"wp-block-paragraph\">\u0130\u00e7indekiler tablosu<\/p>\n\n\n<ol class=\"wp-block-list\">\n\n<li><a href=\"#najpierw-opisz-aktywnosc-sportowa\">\u00d6ncelikle spor aktiviteni anlat<\/a><\/li>\n\n\n<li><a href=\"#co-zakres-polisy-moze-oznaczac-dla-sportowca\">Bir sigorta poli\u00e7esinin kapsam\u0131 bir sporcu i\u00e7in ne anlama gelebilir?<\/a><\/li>\n\n\n<li><a href=\"#jak-sprawdzic-wylaczenia-i-rozszerzenia\">\u0130stisnalar\u0131 ve uzant\u0131lar\u0131 nas\u0131l kontrol edebilirim?<\/a><\/li>\n\n\n<li><a href=\"#co-przygotowac-na-wypadek-zgloszenia-roszczenia\">Bir tazminat talebi durumunda nelere haz\u0131rl\u0131kl\u0131 olunmal\u0131?<\/a><\/li>\n\n\n<li><a href=\"#faq\">En s\u0131k sorulan sorular<\/a><\/li>\n\n\n<li><a href=\"#jak-wybrac-polise-bez-zgadywania\">Tahminde bulunmadan sigorta poli\u00e7esini nas\u0131l se\u00e7melisiniz?<\/a><\/li>\n\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"najpierw-opisz-aktywnosc-sportowa\">\u00d6ncelikle spor aktiviteni anlat<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sigorta se\u00e7meden \u00f6nce, Polonya\u2019da hangi spor faaliyetlerinde bulunaca\u011f\u0131n\u0131z\u0131 kesin olarak belirleyin. \u00d6nemli olan sadece spor dal\u0131 de\u011fil, ayn\u0131 zamanda bu sporun nas\u0131l yap\u0131ld\u0131\u011f\u0131d\u0131r. Pratikte, bunun rekreasyon ama\u00e7l\u0131 m\u0131, d\u00fczenli antrenmanlar m\u0131, yar\u0131\u015fmalara kat\u0131l\u0131m m\u0131 yoksa profesyonel faaliyet mi oldu\u011funu belirlemek faydal\u0131d\u0131r. <strong>Disiplin ad\u0131 ve kat\u0131l\u0131m d\u00fczeyi<\/strong> s\u00f6zle\u015fme imzalan\u0131rken verilen bilgilerle uyumlu olmal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u0131rf sporcu bir \u00fccret alm\u0131yor diye, g\u00fcnl\u00fck antrenman\u0131n amat\u00f6r nitelikte oldu\u011fu varsay\u0131lmamal\u0131d\u0131r. Genel \u015eartlar\u2019da kullan\u0131lan tan\u0131mlar, s\u00f6z konusu faaliyetin hangi kategoriye girdi\u011fine karar verebilir. Ayn\u0131 \u015fekilde, \u201ey\u00fcksek riskli\u201d, \u201esu sporlar\u0131\u201d veya \u201ek\u0131\u015f sporlar\u0131\u201d gibi terimler de ilgili \u00fcr\u00fcn\u00fcn belgesine g\u00f6re anla\u015f\u0131lmal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130yi bir ba\u015flang\u0131\u00e7 noktas\u0131, a\u015fa\u011f\u0131daki k\u0131sa bilgi listesidir:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-activity:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-activity 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-items30704ca4-activity ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-activity .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-activity ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items30704ca4-activity 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-items30704ca4-activity ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-activity .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-activity ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-activity .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items30704ca4-activity 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-30704ca4-activity-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-activity-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-30704ca4-activity-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\">antrenman disiplini ve t\u00fcr\u00fc;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-30704ca4-activity-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-activity-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-30704ca4-activity-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\">faaliyetin rekreasyonel, spor ama\u00e7l\u0131 veya profesyonel niteli\u011fi;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-30704ca4-activity-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-activity-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-30704ca4-activity-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\">ma\u00e7lara, turnuvalara veya kamp programlar\u0131na kat\u0131l\u0131m;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-30704ca4-activity-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-activity-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-30704ca4-activity-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\">spor ekipmanlar\u0131n\u0131n kullan\u0131m\u0131;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-30704ca4-activity-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-activity-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-30704ca4-activity-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\">konaklama yeri ve planlanan konaklama s\u00fcresi.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">B\u00f6yle bir liste, sat\u0131n almadan \u00f6nce yap\u0131lacak g\u00f6r\u00fc\u015fmeyi kolayla\u015ft\u0131r\u0131r ve verilen yan\u0131tlar\u0131 Genel Sat\u0131\u015f Ko\u015fullar\u0131\u2019n\u0131n i\u00e7eri\u011fiyle kar\u015f\u0131la\u015ft\u0131rman\u0131za olanak tan\u0131r. Ayr\u0131ca \u015funu da okumakta fayda var:, <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/rehber\/gereklilikler-ve-duzenlemeler\/vize-icin-saglik-sigortasi-neden-zorunludur\/\">Vize i\u00e7in sa\u011fl\u0131k sigortas\u0131n\u0131 nas\u0131l kontrol edebilirim?<\/a>, belge ad\u0131n\u0131 s\u00f6zle\u015fmenin ger\u00e7ek kapsam\u0131ndan ay\u0131rmak i\u00e7in.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Etkinliklerin a\u00e7\u0131klamas\u0131n\u0131 tek ve tutarl\u0131 bir tabloda haz\u0131rlay\u0131n. Spor dal\u0131n\u0131n ad\u0131n\u0131, antrenman s\u0131kl\u0131\u011f\u0131n\u0131, antrenmanlar\u0131n rekreasyonel, performans odakl\u0131 veya profesyonel niteli\u011fini ve yar\u0131\u015fmalara veya kamplara kat\u0131l\u0131m bilgilerini kaydedin. Kulland\u0131\u011f\u0131n\u0131z ekipman\u0131, yeri ve kal\u0131\u015f s\u00fcresini ayr\u0131 bir \u015fekilde not edin. Bu t\u00fcr bir a\u00e7\u0131klama, tedavi masraflar\u0131n\u0131 kaza sigortas\u0131 (NNW) veya sorumluluk sigortas\u0131 (OC) ile kar\u0131\u015ft\u0131rmadan, Genel Sigorta Ko\u015fullar\u0131\u2019ndaki tan\u0131mlar\u0131, ek maddeleri ve istisnalar\u0131 kontrol etmeyi kolayla\u015ft\u0131r\u0131r. Antrenman \u015fekliniz de\u011fi\u015firse, poli\u00e7e ko\u015fullar\u0131na geri d\u00f6n\u00fcn ve kapsam\u0131 mevcut faaliyetinizle yeniden kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-zakres-polisy-moze-oznaczac-dla-sportowca\">Bir sigorta poli\u00e7esinin kapsam\u0131 bir sporcu i\u00e7in ne anlama gelebilir?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dcr\u00fcnler aras\u0131ndaki farklar, neden her sporcu i\u00e7in uygun tek bir evrensel kural\u0131n bulunmad\u0131\u011f\u0131n\u0131 a\u00e7\u0131k\u00e7a ortaya koymaktad\u0131r. Compensa Cudzoziemiec Genel \u015eartlar\u2019\u0131nda ayr\u0131nt\u0131l\u0131 olarak a\u00e7\u0131klanm\u0131\u015ft\u0131r <strong>Polonya\u2019da kal\u0131\u015f s\u00fcresince tedavi masraflar\u0131n\u0131n kar\u015f\u0131lanmas\u0131<\/strong>, kazalar\u0131n sonu\u00e7lar\u0131 ve \u00f6zel hayattaki hukuki sorumluluk. Ayn\u0131 belgede, \u015fu durumlarda hukuki sorumlulu\u011fun <strong>amat\u00f6r spor faaliyetleri<\/strong> ve bu t\u00fcr faaliyetler i\u00e7in tasarlanm\u0131\u015f ekipmanlar\u0131n kullan\u0131m\u0131 konusunda a\u015fa\u011f\u0131daki kurallar ge\u00e7erlidir <strong>ek prim \u00f6demek zorunda kalmadan<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu, s\u00f6z konusu belgenin kendine \u00f6zg\u00fc bir \u00f6zelli\u011fidir; t\u00fcm piyasa i\u00e7in ge\u00e7erli bir kural de\u011fildir. Compensa\u2019n\u0131n kapsam\u0131 <strong>ba\u015fka \u00fcr\u00fcnlere aktar\u0131lmamal\u0131d\u0131r<\/strong> ne de bunu y\u00fcksek performansl\u0131 spor veya profesyonel spora geni\u015fletmek. Ayr\u0131nt\u0131lar, se\u00e7ilen s\u00f6zle\u015fmeye ili\u015fkin h\u00fck\u00fcm ve istisnalara g\u00f6re belirlenmeye devam etmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sporla aktif olarak u\u011fra\u015fan bir ki\u015fi i\u00e7in en az \u00fc\u00e7 katmanl\u0131 koruma hayati \u00f6nem ta\u015f\u0131r:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-layers:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-layers 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-items30704ca4-layers ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-layers .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-layers ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items30704ca4-layers 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-items30704ca4-layers ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-layers .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-layers ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-layers .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items30704ca4-layers 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-30704ca4-layers-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-layers-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-30704ca4-layers-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\">temel s\u00f6zle\u015fme kapsam\u0131nda yer alan tedavi masraflar\u0131;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-30704ca4-layers-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-layers-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-30704ca4-layers-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\">se\u00e7ilen kapsamda yer alan talihsiz kazalar\u0131n sonu\u00e7lar\u0131;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-30704ca4-layers-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-layers-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-30704ca4-layers-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\">sivil sorumluluk, e\u011fer s\u00f6zle\u015fmede veya ilgili maddede yer al\u0131yorsa.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Bu unsurlar, birbirinden ayr\u0131lamaz bir paket olarak de\u011ferlendirilmemelidir. TUZ \u00fcr\u00fcn\u00fcnde, \u00f6zel hayatta Kaza Sigortas\u0131 ve Sorumluluk Sigortas\u0131, korumay\u0131 geni\u015fleten ek h\u00fck\u00fcmler olarak tan\u0131mlanm\u0131\u015ft\u0131r. Bu, \u015fu anlama gelir ki, <strong>NNW ve OC i\u00e7in ayr\u0131 olarak etkinle\u015ftirilmesi gerekebilir<\/strong>, yabanc\u0131lar\u0131n tedavi masraflar\u0131na ili\u015fkin her poli\u00e7ede otomatik olarak yer almamal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Konaklama amac\u0131n\u0131n poli\u00e7eyi okuma bi\u00e7imini nas\u0131l etkiledi\u011fini g\u00f6rmek istiyorsan\u0131z, bu konunun ele al\u0131nmas\u0131 da size yard\u0131mc\u0131 olacakt\u0131r <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/rehber\/si%cc%87gorta-ve-kalis-amaci\/ogrenci-veya-calisma-vizesi-icin-sigorta\/\">\u00d6\u011frenci vizesi ile \u00e7al\u0131\u015fma vizesi sigortas\u0131 aras\u0131ndaki farklar<\/a>. Bu, sporcunun Genel Sigorta Ko\u015fullar\u0131n\u0131 (OWU) incelemesinin yerini almaz, ancak sigorta se\u00e7imi \u00f6ncesinde akla gelen sorular\u0131 d\u00fczenler.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-sprawdzic-wylaczenia-i-rozszerzenia\">\u0130stisnalar\u0131 ve uzant\u0131lar\u0131 nas\u0131l kontrol edebilirim?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Analizin en \u00f6nemli k\u0131sm\u0131, Genel Sigorta \u015eartlar\u0131\u2019nda s\u0131n\u0131rlamalar\u0131n belirtildi\u011fi yerden ba\u015flar. Yabanc\u0131lar\u0131n tedavi masraflar\u0131na ili\u015fkin TUZ Sigorta \u015fartlar\u0131nda, tedavi masraflar\u0131 ve kaza sigortas\u0131 kapsam\u0131n\u0131n a\u015fa\u011f\u0131dakilerle ilgili olaylar\u0131 kapsamad\u0131\u011f\u0131 belirtilmi\u015ftir: <strong>y\u00fcksek riskli sporlar<\/strong> ne de <strong>y\u00fcksek performansl\u0131 veya profesyonel spor<\/strong>. Belgede ayr\u0131ca, ek prim \u00f6denmesi gereken faaliyetler olarak amat\u00f6r su sporlar\u0131 ve k\u0131\u015f sporlar\u0131 da say\u0131lmaktad\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu, geni\u015fletme \u00fccretinin her t\u00fcrl\u00fc sporu kapsayaca\u011f\u0131 anlam\u0131na gelmez. Kapsam, se\u00e7ilen \u00fcr\u00fcn\u00fcn Genel \u015eartlar ve Ko\u015fullar\u0131\u2019nda kontrol edilmelidir. Sat\u0131n almadan \u00f6nce \u015funu teyit etmelisiniz: <strong>belirli bir faaliyet t\u00fcr\u00fc<\/strong> sunulan teminat kapsam\u0131na girip girmedi\u011fini ve ilgili se\u00e7ene\u011fin sigorta belgelerinde belirtilip belirtilmeyece\u011fini.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u015eartlar\u0131 okurken \u015funlara dikkat edin:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-conditions:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-conditions 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-items30704ca4-conditions ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-conditions .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-conditions ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items30704ca4-conditions 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-items30704ca4-conditions ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-conditions .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-conditions ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-conditions .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items30704ca4-conditions 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-30704ca4-conditions-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-conditions-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-30704ca4-conditions-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\">amat\u00f6r, y\u00fcksek performansl\u0131 ve profesyonel sporun tan\u0131mlar\u0131;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-30704ca4-conditions-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-conditions-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-30704ca4-conditions-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\">y\u00fcksek riskli sporlar\u0131n listesi;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-30704ca4-conditions-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-conditions-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-30704ca4-conditions-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\">su sporlar\u0131 ve k\u0131\u015f sporlar\u0131na ili\u015fkin kurallar;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-30704ca4-conditions-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-conditions-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-30704ca4-conditions-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\">NNW veya OC h\u00fck\u00fcmlerinin eklenme \u015fekli;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-30704ca4-conditions-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-conditions-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-30704ca4-conditions-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\"><strong>koruma s\u00fcresi ve yeri<\/strong> s\u00f6zle\u015fmede belirtilen;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-30704ca4-conditions-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-conditions-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-30704ca4-conditions-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\"><strong>sporla ilgili istisnalar<\/strong> ve kullan\u0131lm\u0131\u015f ekipmanlarla.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Bir \u00fcr\u00fcn\u00fc yaln\u0131zca fiyat\u0131na veya \u201eyabanc\u0131lar i\u00e7in\u201d genel bilgilere dayanarak se\u00e7meyin. Kar\u015f\u0131la\u015ft\u0131r\u0131labilir hesaplamalar ve eksiksiz parametreler olmadan, en ucuz veya en iyi poli\u00e7eyi d\u00fcr\u00fcst bir \u015fekilde belirlemek m\u00fcmk\u00fcn de\u011fildir. Teklifin, a\u00e7\u0131klanan spor dal\u0131na ve antrenman program\u0131na uygun olup olmad\u0131\u011f\u0131n\u0131 kontrol etmek daha g\u00fcvenlidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Benzer bir kural, di\u011fer ikamet ama\u00e7lar\u0131 i\u00e7in de ge\u00e7erlidir. Ayr\u0131ca \u015fu konuyla ilgili rehberimizi de okuyun: <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/rehber\/si%cc%87gorta-ve-kalis-amaci\/sanatcilar-i%cc%87ci%cc%87n-saglik-poli%cc%87ti%cc%87kasi-vi%cc%87ze-2026-kilavuzu\/\">sanat\u00e7\u0131lar i\u00e7in vizeye ili\u015fkin sa\u011fl\u0131k sigortas\u0131<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-przygotowac-na-wypadek-zgloszenia-roszczenia\">Bir tazminat talebi durumunda nelere haz\u0131rl\u0131kl\u0131 olunmal\u0131?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Spor kapsam\u0131, s\u00f6zle\u015fmenin sadece bir par\u00e7as\u0131d\u0131r. \u0130kincisi ise olay sonras\u0131 y\u00fck\u00fcml\u00fcl\u00fcklerdir. Saklay\u0131n <strong>poli\u00e7e numaras\u0131<\/strong> ve olayla ilgili belgeler; bildirim \u015fartlar\u0131n\u0131 s\u00f6zle\u015fmenizin h\u00fck\u00fcmlerinde kontrol edin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gerekli bilgi ve belgelerin kapsam\u0131, s\u00f6zle\u015fmeye g\u00f6re de\u011fi\u015fiklik g\u00f6sterebilir. Bir olay meydana geldi\u011finde, poli\u00e7e \u015fartlar\u0131nda belirtilen talimatlara uyun ve olayla ilgili belgeleri saklay\u0131n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pratik bir sigorta dosyas\u0131 \u015funlar\u0131 i\u00e7erebilir:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-documents:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-documents 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-items30704ca4-documents ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-documents .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-documents ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items30704ca4-documents 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-items30704ca4-documents ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-documents .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-documents ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items30704ca4-documents .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items30704ca4-documents 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-30704ca4-documents-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-documents-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-30704ca4-documents-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\u00e7e ve s\u00f6zle\u015fme numaras\u0131;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-30704ca4-documents-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-documents-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-30704ca4-documents-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\">g\u00fcncel Genel \u015eartlar ve ek maddeler;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-30704ca4-documents-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-documents-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-30704ca4-documents-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 aral\u0131\u011f\u0131n onaylanmas\u0131;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-30704ca4-documents-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-documents-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-30704ca4-documents-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\">sigorta \u015firketiyle ileti\u015fime ge\u00e7mek i\u00e7in gerekli bilgiler;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-30704ca4-documents-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-30704ca4-documents-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-30704ca4-documents-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\">Olayla ilgili olarak al\u0131nan belgeler.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Herhangi bir i\u015flem yapmadan \u00f6nce, poli\u00e7enize uygun talimatlar\u0131 kontrol etmelisiniz. Her sigorta \u015firketi bu s\u00fcreci farkl\u0131 \u015fekilde a\u00e7\u0131klayabilir. <strong>Bir poli\u00e7enin \u015fartlar\u0131nda a\u00e7\u0131klanan prosed\u00fcr, ba\u015fka bir s\u00f6zle\u015fmeye ili\u015fkin talimatlar\u0131n yerine ge\u00e7mez<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">En s\u0131k sorulan sorular<\/h2>\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-kazda-polisa-klc-obejmuje-treningi-sportowe\">Her KLC poli\u00e7esi spor antrenmanlar\u0131n\u0131 kaps\u0131yor mu?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Hay\u0131r. Kapsam, \u00fcr\u00fcne, tan\u0131ma ve istisnalara g\u00f6re de\u011fi\u015fir. Compensa, ek prim \u00f6demeden amat\u00f6r spor faaliyetleri s\u0131ras\u0131nda ortaya \u00e7\u0131kan sorumluluklar\u0131 kapsamaktad\u0131r; ancak bu kural, di\u011fer \u00fcr\u00fcnlere ya da rekabet\u00e7i veya profesyonel sporlara genelle\u015ftirilemez. <strong>Spor yelpazesi evrensel de\u011fildir<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-udzial-w-zawodach-jest-tym-samym-co-sport-amatorski\">Yar\u0131\u015fmalara kat\u0131lmak, amat\u00f6r sporla ayn\u0131 \u015fey midir?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Bunu otomatik olarak kabul etmemelisiniz. Kat\u0131l\u0131m\u0131n niteli\u011fini, se\u00e7ti\u011finiz poli\u00e7enin Genel Sigorta Ko\u015fullar\u0131\u2019nda yer alan tan\u0131mlarla kar\u015f\u0131la\u015ft\u0131rman\u0131z gerekir. Faaliyetin tan\u0131m\u0131 \u015f\u00fcphe uyand\u0131r\u0131yorsa, s\u00f6zle\u015fme imzalanmadan \u00f6nce bu husus a\u00e7\u0131kl\u0131\u011fa kavu\u015fturulmal\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-nnw-i-oc-zawsze-sa-czescia-polisy-kosztow-leczenia\">NNW ve OC her zaman tedavi masraflar\u0131 poli\u00e7esinin bir par\u00e7as\u0131 m\u0131d\u0131r?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Hay\u0131r. TUZ \u015fartlar\u0131nda, Kaza Sigortas\u0131 ve \u00d6zel Hayat Sorumluluk Sigortas\u0131, kapsam\u0131 geni\u015fleten ek h\u00fck\u00fcmler olarak yer almaktad\u0131r. <strong>Otomatik a\u00e7\u0131lma \u00f6zelli\u011fini etkinle\u015ftirmeyin<\/strong> Bu unsurlar hakk\u0131nda \u2014 poli\u00e7e belgesini ve ekteki h\u00fck\u00fcmleri inceleyin.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"na-co-uwazac-przy-sportach-wodnych-i-zimowych\">Su sporlar\u0131 ve k\u0131\u015f sporlar\u0131 yaparken nelere dikkat etmek gerekir?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Bahsedilen TUZ Genel Sigorta Ko\u015fullar\u0131\u2019na g\u00f6re, amat\u00f6r su sporlar\u0131 ve k\u0131\u015f sporlar\u0131 i\u00e7in ek prim \u00f6denmesi gerekmektedir. Bu, t\u00fcm poli\u00e7eler i\u00e7in ge\u00e7erli bir kural de\u011fildir. Kontrol edilmesi gerekir. <strong>Se\u00e7ilen \u00fcr\u00fcn\u00fcn Genel Sat\u0131\u015f Ko\u015fullar\u0131<\/strong> ve belirli bir disiplin i\u00e7in kapsam\u0131 teyit etmek.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-informacje-moga-byc-potrzebne-przy-zgloszeniu-roszczenia\">Tazminat talebinde bulunurken hangi bilgiler gerekli olabilir?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Poli\u00e7e numaran\u0131z\u0131 ve olayla ilgili belgeleri saklay\u0131n. Bildirim \u015fartlar\u0131n\u0131, s\u00f6zle\u015fmenizin g\u00fcncel \u015fart ve ko\u015fullar\u0131nda kontrol edin.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"gdzie-przeczytac-o-dokumentach-dotyczacych-dluzszego-pobytu\">Uzun s\u00fcreli ikametle ilgili belgeler hakk\u0131nda nereden bilgi edinebilirim?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Ayr\u0131 ayr\u0131 ele al\u0131yoruz <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/rehber\/gereklilikler-ve-duzenlemeler\/oturma-izni-icin-sigorta-gereken-sartlar-nelerdir\/\">oturma izni kart\u0131 i\u00e7in sigorta \u015fartlar\u0131<\/a>. Bu metin, ikamet belgeleriyle ilgili konuyu netle\u015ftirmeye yard\u0131mc\u0131 olur, ancak belirli bir poli\u00e7enin spor kapsam\u0131n\u0131n de\u011ferlendirilmesinin yerini tutmaz.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-wybrac-polise-bez-zgadywania\">Tahminde bulunmadan sigorta poli\u00e7esini nas\u0131l se\u00e7melisiniz?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6ncelikle spor dal\u0131n\u0131, antrenman \u015feklini ve yar\u0131\u015fmalara kat\u0131l\u0131m\u0131n\u0131z\u0131 a\u00e7\u0131klay\u0131n. Ard\u0131ndan tan\u0131mlar\u0131, tedavi masraflar\u0131n\u0131n kapsam\u0131n\u0131, ek h\u00fck\u00fcmleri ve istisnalar\u0131 kontrol edin. Son olarak, sat\u0131n almadan \u00f6nce verilen bilgilerin ger\u00e7ek faaliyetinizle uyumlu oldu\u011fundan emin olun.<\/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\"><strong>Karar\u0131n\u0131z\u0131 poli\u00e7e belgelerine dayand\u0131r\u0131n<\/strong>, \u00fcr\u00fcn\u00fcn ad\u0131n\u0131n kendisinde de\u011fil.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Spor kapsam\u0131n\u0131n netle\u015ftirilmesi gerekiyorsa, bu i\u015flem s\u00f6zle\u015fme imzalanmadan \u00f6nce yap\u0131lmal\u0131d\u0131r. Onay, se\u00e7ilen se\u00e7enek ve somut olarak tan\u0131mlanm\u0131\u015f spor aktivitesini kapsamal\u0131d\u0131r. B\u00f6ylelikle, poli\u00e7enin mevcut olmas\u0131na ra\u011fmen sporun icra edilme \u015fekline uymamas\u0131 gibi durumlardan daha kolay ka\u00e7\u0131n\u0131labilir.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Yabanc\u0131 uyruklular\u0131n tedavi masraflar\u0131na ili\u015fkin mevcut sigorta se\u00e7eneklerini inceleyin ve web sayfam\u0131zdaki formdan prim tutar\u0131n\u0131 hesaplay\u0131n.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/bi%cc%87r-yabancinin-saglik-masraflari-kktc\/\">KLC S\u0130GORTA PR\u0130M\u0130N\u0130 HESAPLA<\/a><\/div>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Spor vizesi sigortas\u0131, sadece kal\u0131\u015f amac\u0131na de\u011fil, ayn\u0131 zamanda sporcunun fiili faaliyetine de uygun olmal\u0131d\u0131r. Hobi ama\u00e7l\u0131 antrenman, kat\u0131l\u0131m\u2026<\/p>","protected":false},"author":1,"featured_media":3930,"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":[44],"tags":[94,93,92,45],"class_list":["post-3931","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-a-cel-pobytu","tag-owu-ubezpieczenia","tag-polisa-dla-sportowca","tag-ubezpieczenie-kosztow-leczenia","tag-wiza-sportowa"],"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>Ubezpieczenie sportowca cudzoziemca: jak czyta\u0107 OWU<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, jak czyta\u0107 wy\u0142\u0105czenia sportowe, klauzule NNW i OC oraz obowi\u0105zki po zdarzeniu w ubezpieczeniu cudzoziemca.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/rehber\/si\u0307gorta-ve-kalis-amaci\/yabanci-sporcular-icin-sigorta-sigorta-sartlarinin-kapsamini-nasil-kontrol-edebilirim\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ubezpieczenie sportowca cudzoziemca: jak czyta\u0107 OWU\" \/>\n<meta property=\"og:description\" content=\"Sprawd\u017a, jak 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