{"id":3940,"date":"2026-11-04T20:04:22","date_gmt":"2026-11-04T19:04:22","guid":{"rendered":"https:\/\/ubezpieczenie-cudzoziemca.pl\/?p=3940"},"modified":"2026-11-04T20:04:22","modified_gmt":"2026-11-04T19:04:22","slug":"polonyada-yabanci-uyruklular-icin-sigorta-2026-yilina-iliskin-duzenlemeler","status":"publish","type":"post","link":"https:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/poradnik\/wymogi-i-przepisy\/ubezpieczenie-dla-cudzoziemca-w-polsce-przepisy-2026\/","title":{"rendered":"Polonya\u2019da yabanc\u0131lar i\u00e7in sigorta \u2013 2026 y\u0131l\u0131na ili\u015fkin d\u00fczenlemeler"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Yabanc\u0131 uyruklu ki\u015filer i\u00e7in sigorta, vize ba\u015fvurusu s\u0131ras\u0131nda, Polonya\u2019ya giri\u015f s\u0131ras\u0131nda veya belirli ge\u00e7ici ikamet i\u015flemlerinde gerekli olabilir. Ancak, her bir prosed\u00fcr\u00fcn farkl\u0131 \u015fartlar getirebilece\u011fi unutulmamal\u0131d\u0131r. Schengen vizesi i\u00e7in farkl\u0131 kurallar ge\u00e7erliyken, D tipi ulusal vize i\u00e7in ba\u015fka kurallar ve i\u015f veya e\u011fitim ama\u00e7l\u0131 ge\u00e7ici ikamet i\u00e7in ise yine farkl\u0131 kurallar ge\u00e7erlidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En \u00f6nemlisi, kal\u0131\u015f amac\u0131n\u0131 ve ba\u015fvurunun hukuki dayana\u011f\u0131n\u0131 belirlemektir. Sigorta bazen <strong>ko\u015fullardan biri<\/strong>, ancak <strong>ikametini yasalla\u015ft\u0131rmaz<\/strong> kendi ba\u015f\u0131na ge\u00e7erlidir ve di\u011fer belgelerin yerini almaz. Sat\u0131n almadan \u00f6nce, gerekli kapsam\u0131, ge\u00e7erlilik b\u00f6lgesini, koruma s\u00fcresini ve belgenin i\u00e7eri\u011fini kontrol edin. B\u00f6ylelikle poli\u00e7e, sadece \u201eyabanc\u0131lar i\u00e7in sigorta\u201d gibi genel bir ifadeye de\u011fil, belirli bir prosed\u00fcre uygun olacakt\u0131r.<\/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=\"#przepisy-2026\">2026 y\u0131l\u0131nda y\u00fcr\u00fcrl\u00fckteki h\u00fck\u00fcmler ne anlama geliyor?<\/a><\/li>\n\n\n\n<li><a href=\"#wiza-schengen-i-wiza-d\">Schengen vizesi ve D tipi ulusal vize<\/a><\/li>\n\n\n\n<li><a href=\"#pobyt-czasowy\">Ge\u00e7ici ikamet sigortas\u0131<\/a><\/li>\n\n\n\n<li><a href=\"#wybor-polisy\">Sigorta poli\u00e7esini nas\u0131l se\u00e7meli ve kullanmal\u0131?<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">En s\u0131k sorulan sorular<\/a><\/li>\n\n\n\n<li><a href=\"#podsumowanie\">\u00d6zet<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"przepisy-2026\">2026 y\u0131l\u0131nda y\u00fcr\u00fcrl\u00fckteki h\u00fck\u00fcmler ne anlama geliyor?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcm yabanc\u0131lar i\u00e7in tek bir evrensel sigorta \u015fart\u0131 bulunmamaktad\u0131r. \u00d6nemli olan unsurlar aras\u0131nda vize t\u00fcr\u00fc, ikamet amac\u0131 ve belgenin ibraz edilece\u011fi i\u015flem yer almaktad\u0131r. Bu nedenle izlenecek do\u011fru s\u0131ra \u015fudur: \u00f6nce prosed\u00fcr\u00fc belirleyin, ard\u0131ndan gerekliliklerini \u00f6\u011frenin ve ancak ondan sonra sigorta kapsam\u0131n\u0131z\u0131 se\u00e7in. Ba\u015fka bir deyi\u015fle: <strong>poli\u00e7eyi prosed\u00fcre uyarlay\u0131n<\/strong>, rastgele sat\u0131n al\u0131nan bir poli\u00e7eye ili\u015fkin prosed\u00fcr de\u011fil.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ulusal vizeyle giri\u015f yaparken, yabanc\u0131 uyruklu ki\u015fi uygun bir sigorta poli\u00e7esini kan\u0131tlayan bir belgeye sahip olmal\u0131 ve talep edildi\u011finde bunu ibraz etmelidir. Bu \u015fart, seyahat sa\u011fl\u0131k sigortas\u0131 ile kar\u015f\u0131lan\u0131yorsa, kanun, asgari 30.000 avro tutar\u0131nda ve Polonya\u2019da planlanan kal\u0131\u015f s\u00fcresi boyunca ge\u00e7erli olmas\u0131n\u0131 \u015fart ko\u015fmaktad\u0131r. Bu husus, Yabanc\u0131lar Kanunu\u2019na dayanmaktad\u0131r; kanun metnine \u015fu adresten ula\u015f\u0131labilir: <a href=\"https:\/\/api.sejm.gov.pl\/eli\/acts\/DU\/2025\/1079\/text\/O\/D20251079.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">resmi tek metin<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">5 Mart 2026 tarihinden itibaren y\u00fcr\u00fcrl\u00fc\u011fe giren \u00f6zel bir de\u011fi\u015fiklik, S\u0131n\u0131r Muhaf\u0131zlar\u0131 birim komutan\u0131n\u0131n, Yabanc\u0131lar Kanunu\u2019nun 23. maddesi ve 25. maddesinin 1. f\u0131kras\u0131nda belirtilen ko\u015fullar yerine getirilmemi\u015f olsa bile, ge\u00e7ici koruma hakk\u0131ndan yararlanan ki\u015finin \u00fclkeye giri\u015fine izin verebilmesidir. Bu, belirli bir gruba ve yetkili makam\u0131n karar\u0131na ili\u015fkin bir istisnad\u0131r; t\u00fcm yabanc\u0131lar\u0131n belge y\u00fck\u00fcml\u00fcl\u00fcklerinden genel olarak muaf tutulmas\u0131 anlam\u0131na gelmez.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Uygulamada, sigorta poli\u00e7esi tutarl\u0131 bir belge paketinin par\u00e7as\u0131 olmal\u0131d\u0131r. \u0130kamet ba\u015fvurusu haz\u0131rl\u0131yorsan\u0131z, a\u015fa\u011f\u0131dakileri a\u00e7\u0131klayan bir k\u0131lavuz da size yard\u0131mc\u0131 olacakt\u0131r: <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/rehber\/gereklilikler-ve-duzenlemeler\/polonyada-geci%cc%87ci%cc%87-kalis-i%cc%87ci%cc%87n-saglik-si%cc%87gortasi\/\">ge\u00e7ici ikamet i\u00e7in sigorta \u015fartlar\u0131<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"wiza-schengen-i-wiza-d\">Schengen vizesi ve D tipi ulusal vize<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C tipi Schengen vizesi olarak da bilinen tek tip vize i\u00e7in, seyahat sa\u011fl\u0131k sigortas\u0131n\u0131n birka\u00e7 belirli kriteri kar\u015f\u0131lamas\u0131 gerekir. Asgari sigorta tutar\u0131 <strong>en az 30.000 avro<\/strong>. Koruma \u015funlar\u0131 kapsamal\u0131d\u0131r: <strong>planlanan t\u00fcm konaklama s\u00fcresi veya transit s\u00fcresi<\/strong> ve \u015fu konuda \u00f6nemli olmak <strong>t\u00fcm Schengen b\u00f6lgesinde<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vize y\u00f6netmeli\u011finde belirtilen kapsam, t\u0131bbi nedenlerle geri d\u00f6n\u00fc\u015f zorunlulu\u011fu, acil yard\u0131m ihtiyac\u0131, acil hastane tedavisi veya vefatla ilgili masraflar\u0131 kapsamaktad\u0131r. Bu nedenle, belgeyi okurken a\u015fa\u011f\u0131dakileri kapsay\u0131p kapsamad\u0131\u011f\u0131na dikkat edin: <strong>acil t\u0131bbi yard\u0131m<\/strong>, <strong>acil hastane tedavisi<\/strong> ve <strong>t\u0131bbi nedenlerle geri d\u00f6n\u00fc\u015f<\/strong>. Ayr\u0131nt\u0131l\u0131 kurallar, 15. maddeden kaynaklanmaktad\u0131r <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/PL\/TXT\/?uri=CELEX:32009R0810\" target=\"_blank\" rel=\"noopener noreferrer\">Avrupa Birli\u011fi Vize Kanunu<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D tipi Polonya ulusal vizesinde D\u0131\u015fi\u015fleri Bakanl\u0131\u011f\u0131, belirtilen acil durumlar\u0131 ve t\u0131bbi nedenlerle geri d\u00f6n\u00fc\u015f\u00fc kapsayan en az 30.000 avroluk seyahat sa\u011fl\u0131k sigortas\u0131 ya da Polonya mevzuat\u0131nda \u00f6ng\u00f6r\u00fclen sa\u011fl\u0131k sigortas\u0131n\u0131 da \u015fart ko\u015fmaktad\u0131r. Ancak, C vizesine ili\u015fkin t\u00fcm kurallar\u0131n otomatik olarak D vizesine uygulanmas\u0131 do\u011fru de\u011fildir. Gerekli ek belgeler, ziyaretin amac\u0131na ve ba\u015fvurunun yap\u0131ld\u0131\u011f\u0131 yere g\u00f6re de\u011fi\u015fir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Amac\u0131n\u0131z Schengen B\u00f6lgesi\u2019nde k\u0131sa s\u00fcreli bir konaklama ise, ayr\u0131nt\u0131l\u0131 a\u00e7\u0131klamaya ge\u00e7in <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/rehber\/gereklilikler-ve-duzenlemeler\/schengen-vi%cc%87zesi%cc%87-i%cc%87ci%cc%87n-saglik-si%cc%87gortasi-2026\/\">2026 y\u0131l\u0131nda Schengen vizesi i\u00e7in sigorta<\/a>. Belgenin hem vize ba\u015fvurusu hem de sonraki ikamet i\u015flemleri i\u00e7in kullan\u0131lacak olmas\u0131 durumunda, her iki i\u015flemin gerekliliklerini ayr\u0131 ayr\u0131 kontrol edin. Tek bir sigorta poli\u00e7esi, ancak poli\u00e7enin \u015fartlar\u0131 ve sigorta \u015firketi taraf\u0131ndan d\u00fczenlenen belge bunu teyit etti\u011fi takdirde bu ihtiya\u00e7lar\u0131 kar\u015f\u0131layabilir. Sadece sat\u0131n alma <strong>vize verilece\u011fini garanti etmez<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pobyt-czasowy\">Ge\u00e7ici ikamet sigortas\u0131<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ge\u00e7ici ikamet ve \u00e7al\u0131\u015fma izni ba\u015fvurusu s\u00fcrecinde sigorta, <strong>birlikte yerine getirilmesi gereken ko\u015fullardan biri<\/strong>. Kanun, ilgili h\u00fck\u00fcmlerde \u00f6ng\u00f6r\u00fclen sa\u011fl\u0131k sigortas\u0131n\u0131 belirtir ya da <strong>Polonya\u2019da tedavi masraflar\u0131n\u0131n kar\u015f\u0131lanaca\u011f\u0131na dair teyit<\/strong> sigorta \u015firketi taraf\u0131ndan. Bu, yetkili makam\u0131n ikamet ve \u00e7al\u0131\u015fma ama\u00e7lar\u0131yla ilgili di\u011fer ko\u015fullar\u0131 da de\u011ferlendirdi\u011fi anlam\u0131na gelir. <strong>Poli\u00e7enin kendisi karar\u0131n tek belirleyicisi de\u011fildir<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E\u011fitim amac\u0131yla verilen ge\u00e7ici oturma izni durumunda da benzer bir se\u00e7enek mevcuttur. Yasa, \u015fartlar aras\u0131nda sigorta poli\u00e7esini ya da sigorta \u015firketinin Polonya topraklar\u0131ndaki tedavi masraflar\u0131n\u0131 kar\u015f\u0131layaca\u011f\u0131na dair bir teyidi saymaktad\u0131r. \u00d6zel sigorta poli\u00e7enizin, ba\u015fvurunuzun dayand\u0131\u011f\u0131 temel \u015fartlara uygun olup olmad\u0131\u011f\u0131n\u0131 kontrol edin. Belge, gerekli teminat kapsam\u0131n\u0131 a\u00e7\u0131k\u00e7a teyit etmelidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6rnek: D vizesiyle e\u011fitim amac\u0131yla gelen bir ki\u015fi, \u00f6nce vize \u015fartlar\u0131n\u0131 kar\u015f\u0131layan bir belgeye ihtiya\u00e7 duyabilir ve ard\u0131ndan ge\u00e7ici ikamet ba\u015fvurusu s\u00fcrecinde sigorta belgesini sunabilir. Bunlar iki farkl\u0131 a\u015famad\u0131r. Belgeleri sunmadan \u00f6nce, belgenin ge\u00e7erlilik tarihlerini, kapsam\u0131n\u0131 ve i\u00e7eri\u011fini ilgili prosed\u00fcr\u00fcn gereklilikleriyle kar\u015f\u0131la\u015ft\u0131rmak \u00f6nemlidir. Sigorta poli\u00e7esi i\u015flem s\u00fcresince ge\u00e7erlili\u011fini yitirirse veya Polonya\u2019daki teminat\u0131 kapsamazsa, prim \u00f6deme belgesi tek ba\u015f\u0131na bu \u015fart\u0131n yerine getirilip getirilmedi\u011fini a\u00e7\u0131klayamayabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Belgeleri teslim etmeden \u00f6nce \u015funlara dikkat edin:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>poli\u00e7edeki bilgiler okunakl\u0131 bir \u015fekilde yaz\u0131lm\u0131\u015f m\u0131;<\/li>\n\n\n\n<li>\u0130kamet amac\u0131, se\u00e7ilen vize prosed\u00fcr\u00fcne uygun mu;<\/li>\n\n\n\n<li>belge, ilgili ge\u00e7ici ikamet i\u015flemiyle ilgili mi;<\/li>\n\n\n\n<li>Koruma s\u00fcresi, prosed\u00fcr\u00fcn gerekliliklerine uygun mu?.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130kamet konular\u0131nda \u015funlar\u0131 de\u011ferlendirebilirsiniz <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/oturma-karti-i%cc%87ci%cc%87n-en-ucuz-saglik-si%cc%87gortasi-yabanci-si%cc%87gortasi-kl\/\">Yabanc\u0131 uyruklu ki\u015filerin oturma izni kart\u0131 i\u00e7in sigortas\u0131<\/a> veya <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/vi%cc%87ze-ve-oturma-karti-i%cc%87ci%cc%87n-yabancilar-i%cc%87ci%cc%87n-en-ucuz-si%cc%87gorta-onli%cc%87ne\/\">vize ve oturma izni belgeleri<\/a>. Sat\u0131n almadan \u00f6nce \u00fcr\u00fcn belgelerini prosed\u00fcr\u00fcn\u00fcz\u00fcn gereklilikleriyle kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"wybor-polisy\">Sigorta poli\u00e7esini nas\u0131l se\u00e7meli ve kullanmal\u0131?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00f6zle\u015fmeyi imzalamadan \u00f6nce, konaklaman\u0131n amac\u0131 ve s\u00fcresi ile ilgili bilgileri haz\u0131rlay\u0131n. Ard\u0131ndan \u015funlar\u0131 kontrol edin:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a92f61:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a92f61 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-itemsklc-checklist-a92f61 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a92f61 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a92f61 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsklc-checklist-a92f61 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-itemsklc-checklist-a92f61 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a92f61 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a92f61 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a92f61 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items-klc-checklist-a92f61 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-klc-check-1-a92f61 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-1-a92f61 .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-klc-check-1-a92f61 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 alan\u0131<\/strong> \u2014 belge, s\u00f6z konusu prosed\u00fcrde istenen kapsamla uyumlu olmal\u0131d\u0131r;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-2-a92f61 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-2-a92f61 .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-klc-check-2-a92f61 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 s\u00fcresi<\/strong> \u2014 tarihler, gerekli kal\u0131\u015f veya transit s\u00fcresini kapsamal\u0131d\u0131r;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-3-a92f61 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-3-a92f61 .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-klc-check-3-a92f61 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<\/strong> \u2014 vize i\u015flemlerinde gerekli asgari \u015fartlar\u0131 kontrol edin;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-4-a92f61 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-4-a92f61 .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-klc-check-4-a92f61 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>acil durumlar\u0131n kapsam\u0131<\/strong> \u2014 tedavi masraflar\u0131n\u0131, acil durumlarda yard\u0131m hizmetlerini, hastaneye yat\u0131\u015f ve yasalara g\u00f6re gerekli nakil hizmetlerini kontrol edin;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-5-a92f61 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-5-a92f61 .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-klc-check-5-a92f61 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\">koruman\u0131n onaylanma \u015fekli \u2014 haz\u0131rlay\u0131n <strong>g\u00fcncel bir belge veya poli\u00e7e<\/strong> sigortal\u0131n\u0131n bilgilerini ve ge\u00e7erlilik s\u00fcresini i\u00e7eren;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-6-a92f61 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-6-a92f61 .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-klc-check-6-a92f61 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 tam metni<\/strong> \u2014 Olay sonras\u0131 ge\u00e7erli olan koruma kurallar\u0131n\u0131, k\u0131s\u0131tlamalar\u0131, istisnalar\u0131 ve y\u00fck\u00fcml\u00fcl\u00fckleri okuyun.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcm tedavi masraflar\u0131 poli\u00e7eleri ayn\u0131 kapsamda de\u011fildir. \u00d6rne\u011fin, Compensa\u2019n\u0131n 2026 tarihli Genel Sigorta Ko\u015fullar\u0131 (OWU), Polonya\u2019da ikamet eden yabanc\u0131lar\u0131n sa\u011fl\u0131k masraflar\u0131 sigortas\u0131 kapsam\u0131nda, sa\u011fl\u0131k masraflar\u0131, kaza sonucu meydana gelen zararlar ve \u00f6zel hayattaki hukuki sorumluluk konular\u0131nda teminat sa\u011flamaktad\u0131r. Koruma, Polonya s\u0131n\u0131rlar\u0131 i\u00e7indeki olaylar\u0131 kapsar ve haftan\u0131n yedi g\u00fcn\u00fc, 24 saat boyunca ge\u00e7erlidir. Ancak ayr\u0131nt\u0131l\u0131 kapsam, Genel \u015eartlar\u2019daki belirli maddelere ba\u011fl\u0131 oldu\u011fundan, bu a\u00e7\u0131klama di\u011fer poli\u00e7elere genelle\u015ftirilemez.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bir olay meydana gelirse, olay\u0131n seyriyle ilgili belgeleri saklay\u0131n. Compensa\u2019n\u0131n belirtilen Genel Sigorta Ko\u015fullar\u0131 uyar\u0131nca, sigortac\u0131 \u015funlar\u0131 talep edebilir: <strong>hasar bildirim formu<\/strong> ve talebin de\u011ferlendirilmesi i\u00e7in gerekli di\u011fer belgeler, bunlara \u015funlar da dahildir: <strong>t\u0131bbi kay\u0131tlar<\/strong>. Genel bir bildirim s\u00fcresi belirtmiyoruz, \u00e7\u00fcnk\u00fc bu s\u00fcrenin ilgili s\u00f6zle\u015fmeye \u00f6zg\u00fc belgelerde kontrol edilmesi gerekmektedir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bundan \u00e7\u0131kar\u0131lacak pratik sonu\u00e7 basit:<\/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>Sadece fiyat\u0131 g\u00f6z \u00f6n\u00fcnde bulundurarak sigorta poli\u00e7esi sat\u0131n almay\u0131n<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6ncelikle belgenin prosed\u00fcre uygunlu\u011funu kontrol edin; ard\u0131ndan ani hastal\u0131k, kaza, zorunlu hastaneye yat\u0131\u015f, t\u0131bbi nakil veya \u00fclkesine geri g\u00f6nderme durumlar\u0131nda sa\u011flanan teminat kapsam\u0131n\u0131 inceleyin.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">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\">Sadece sigorta poli\u00e7esi, bir yabanc\u0131n\u0131n Polonya\u2019daki ikametini yasalla\u015ft\u0131r\u0131r m\u0131?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hay\u0131r. Sigorta, vize, \u00fclkeye giri\u015f veya belirli bir ikamet izni i\u00e7in gerekli \u015fartlardan biri olabilir. Ancak ikamet gerek\u00e7esinin, eksiksiz ba\u015fvurunun veya di\u011fer gerekli belgelerin yerine ge\u00e7mez ve olumlu bir karar al\u0131naca\u011f\u0131n\u0131 garanti etmez.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Schengen vizesi i\u00e7in ne kadar sigorta tutar\u0131 gereklidir?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tek tip vize i\u00e7in asgari sigorta tutar\u0131 30.000 avrodur. Sigorta kapsam\u0131, \u00fcye devletlerin t\u00fcm topraklar\u0131n\u0131, planlanan ikamet veya transit s\u00fcresinin tamam\u0131n\u0131 ve belirtilen acil t\u0131bbi durumlar\u0131 i\u00e7ermelidir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ayn\u0131 kurallar hem Schengen vizesi hem de D tipi ulusal vize i\u00e7in ge\u00e7erli mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tam olarak de\u011fil. Her iki durumda da 30.000 avro tutar\u0131nda bir mebla\u011f ve acil durumlara ili\u015fkin koruma s\u00f6z konusudur, ancak bunlar ayr\u0131 prosed\u00fcrlerdir. D tipi ulusal vize, kal\u0131\u015f amac\u0131na ba\u011fl\u0131 olarak ek belgeler gerektirebilir; bu nedenle, ba\u015fvurunuza uygun gerekli belgeler listesini her zaman kontrol edin.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ge\u00e7ici ikamet ve \u00e7al\u0131\u015fma i\u00e7in \u00f6zel sigorta poli\u00e7esi yeterli mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bu belge, i\u00e7eri\u011fi i\u015flem gerekliliklerine uygunsa ve sigortac\u0131n\u0131n Polonya\u2019daki tedavi masraflar\u0131n\u0131 kar\u015f\u0131lad\u0131\u011f\u0131n\u0131 teyit ediyorsa, bu t\u00fcr bir teyit i\u015flevi g\u00f6rebilir. Ancak sigorta, bir b\u00fct\u00fcn olarak de\u011ferlendirilen ko\u015fullardan sadece biri olarak kal\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00d6\u011frenci, ge\u00e7ici ikamet s\u0131ras\u0131nda sigorta belgesini ibraz etmek zorunda m\u0131d\u0131r?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">E\u011fitim amac\u0131yla verilen ge\u00e7ici ikamet izni kapsam\u0131nda, kanun, Polonya topraklar\u0131nda tedavi masraflar\u0131n\u0131n sigorta \u015firketi taraf\u0131ndan kar\u015f\u0131lanaca\u011f\u0131na dair bir sigorta poli\u00e7esi veya teyit belgesini gerekli \u015fartlardan biri olarak belirtmektedir. Belge ge\u00e7erli olmal\u0131 ve ikamet s\u00fcresine ve amac\u0131na uygun olmal\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hasar bildirimi durumunda neler haz\u0131rlamal\u0131?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Gerekli belgelerin kapsam\u0131, ilgili poli\u00e7enin Genel Sigorta Ko\u015fullar\u0131na (OWU) ba\u011fl\u0131d\u0131r. Compensa\u2019n\u0131n s\u00f6z konusu \u00fcr\u00fcn\u00fc i\u00e7in \u015funlar gerekebilir: doldurulmu\u015f form, tazminat talebinin de\u011ferlendirilmesini sa\u011flayan belgeler ve t\u0131bbi evraklar. Poli\u00e7eyi, sertifikay\u0131 ve olayla ilgili t\u00fcm belgeleri saklaman\u0131zda fayda vard\u0131r.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"podsumowanie\">\u00d6zet<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">2026 y\u0131l\u0131nda da do\u011fru sigorta se\u00e7imi, yine prosed\u00fcr\u00fcn belirlenmesiyle ba\u015flar: Schengen vizesi, D tipi ulusal vize, Polonya\u2019ya giri\u015f ya da belirli bir ge\u00e7ici ikamet izni. Gerekli b\u00f6lgeyi, s\u00fcreyi, teminat tutar\u0131n\u0131 ve acil durumlar\u0131n kapsam\u0131n\u0131 kontrol edin, ard\u0131ndan bunlar\u0131 poli\u00e7e ve sertifika ile kar\u015f\u0131la\u015ft\u0131r\u0131n. Sigortay\u0131, yasal ikamet i\u00e7in tek ba\u015f\u0131na bir dayanak olarak g\u00f6rmeyin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E\u011fer seyahat amac\u0131n\u0131z\u0131 ve kal\u0131\u015f s\u00fcrenizi zaten biliyorsan\u0131z, yabanc\u0131 uyruklular i\u00e7in sa\u011fl\u0131k masraflar\u0131 sigortas\u0131na y\u00f6nelik hesaplay\u0131c\u0131ya ge\u00e7ebilirsiniz.<\/p>\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:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/bi%cc%87r-yabancinin-saglik-masraflari-kktc\/\">Yabanc\u0131 uyruklu ki\u015fi i\u00e7in sigorta primini hesapla<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Yabanc\u0131 uyruklu ki\u015filer i\u00e7in sigorta, vize ba\u015fvurusu s\u0131ras\u0131nda, Polonya\u2019ya giri\u015f s\u0131ras\u0131nda veya belirli bir ikamet izni i\u015fleminde zorunlu tutulabilir\u2026<\/p>","protected":false},"author":1,"featured_media":3939,"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":[40],"tags":[105,54,61,101,50],"class_list":["post-3940","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wymogi-i-przepisy","tag-pobyt-czasowy","tag-polisa-zdrowotna","tag-ubezpieczenie-podrozne","tag-wiza-krajowa-d","tag-wiza-schengen"],"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 dla cudzoziemca w Polsce: przepisy 2026<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a przepisy 2026 dotycz\u0105ce ubezpieczenia dla cudzoziemca w Polsce. 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