{"id":5361,"date":"2022-03-07T13:08:55","date_gmt":"2022-03-07T12:08:55","guid":{"rendered":"http:\/\/expateuropa.com\/danimarkada-sigorta\/"},"modified":"2023-01-26T21:08:36","modified_gmt":"2023-01-26T20:08:36","slug":"danimarkada-sigorta","status":"publish","type":"post","link":"https:\/\/expateuropa.com\/tr\/danimarkada-sigorta\/","title":{"rendered":"Danimarka&#8217;da Sigorta"},"content":{"rendered":"<p>Danimarka&#8217;da, ani kay\u0131p korkusu nedeniyle g\u00fcvenlik sunduklar\u0131 i\u00e7in her t\u00fcrl\u00fc sigorta \u00f6nemlidir. Ayr\u0131ca sigorta, \u00e7al\u0131\u015fan ve ara\u00e7 kullanan bireylerin g\u00fcnl\u00fck aktivitelerini korkmadan ger\u00e7ekle\u015ftirmelerini kolayla\u015ft\u0131r\u0131r. Riskler zaten sigortalanm\u0131\u015fsa, gelecekte ne olabilece\u011fi konusunda endi\u015felenmeleri gerekmez. Ayr\u0131ca sigorta yapt\u0131rmak, riski yayman\u0131n ve tasarruflar\u0131 te\u015fvik etmenin bir yoludur. Danimarka&#8217;daki ana sigorta teminatlar\u0131 sa\u011fl\u0131k, i\u015fsizlik, evcil hayvan, seyahat, ev ve di\u011ferleridir.<\/p>\n<h3>Sa\u011fl\u0131k Sigortas\u0131 Danimarka<\/h3>\n<p>Danimarka, d\u00fcnyadaki en iyi sigorta poli\u00e7elerinden birine sahiptir. T\u00fcm vatanda\u015flar \u00fccretsiz, e\u015fit ve evrensel sa\u011fl\u0131k hizmetlerinden yararlan\u0131r. Ayr\u0131ca, \u00e7ocuk sa\u011fl\u0131\u011f\u0131 temel olarak \u00fc\u00e7\u00fcnc\u00fcl, ikincil ve birinci basamak sa\u011fl\u0131k sistemleri olarak d\u00fczenlenmi\u015ftir. Danimarka&#8217;n\u0131n vergileri sa\u011fl\u0131k sekt\u00f6r\u00fcn\u00fc finanse ediyor. B\u00f6ylece, \u00fclkedeki y\u00fcksek kaliteli sa\u011fl\u0131k hizmeti nedeniyle, ya\u015fam beklentisi artmaktad\u0131r.<\/p>\n<p>Sar\u0131 sa\u011fl\u0131k kart\u0131 veya <a href=\"https:\/\/international.kk.dk\/live\/healthcare\/health-insurance\/yellow-health-card#:~:text=Your%20yellow%20health%20card%20(sundhedskort,Greenland%20and%20the%20Faroe%20Islands.\">sundhedskort<\/a> , insanlara \u00fclkede t\u0131bbi tedavi hakk\u0131 verir. Kartta ki\u015finin ad\u0131, doktorun adresi, kalp masaj\u0131, ad\u0131 ve adresi g\u00f6sterilir. Danimarka&#8217;da sa\u011fl\u0131k \u00fccretsiz olmas\u0131na ra\u011fmen, \u00f6zel sigorta kapsam\u0131na al\u0131nmay\u0131 tercih edebilirsiniz. Bu t\u00fcr sigortan\u0131n faydalar\u0131 aras\u0131nda \u00f6zel pratisyenler, doktorlar ve di\u011fer t\u0131p uzmanlar\u0131 yer al\u0131r.<\/p>\n<p>A\u015fa\u011f\u0131dakiler genel sa\u011fl\u0131k sigortas\u0131 i\u00e7in talepte bulunabilirler<\/p>\n<ul>\n<li>Danimarka&#8217;da ge\u00e7ici olarak ya\u015fayanlar<\/li>\n<li>AB kurallar\u0131na g\u00f6re Danimarka sa\u011fl\u0131k sigortas\u0131 kapsam\u0131ndaki ki\u015filer<\/li>\n<li>Danimarka sakinleri<\/li>\n<\/ul>\n<h3>\u0130\u015fsizlik Sigortas\u0131<\/h3>\n<p>Danimarka&#8217;da yakla\u015f\u0131k 22 i\u015fsizlik sigortas\u0131 fonu bulunmaktad\u0131r. Danimarka i\u015fsizlik sigortas\u0131 fonlar\u0131 olarak da bilinen <a href=\"https:\/\/aka.dk\/\">A-kasse<\/a> , kar amac\u0131 g\u00fctmeyen \u00f6zel kurulu\u015flar olmas\u0131na ra\u011fmen, devlet onlar\u0131 desteklemektedir. Ayr\u0131ca, yard\u0131m almadan \u00f6nce, dagpenge (i\u015fsizlik \u00f6dene\u011fi) almadan \u00f6nce yakla\u015f\u0131k 1 y\u0131l \u00fcye olunmal\u0131d\u0131r.<\/p>\n<p>A-kasse \u00fccreti ayl\u0131k 400 ila 500 aras\u0131ndad\u0131r ve indirilebilir. Tam zamanl\u0131 \u00fcyeler i\u00e7in son \u00fc\u00e7 y\u0131l i\u00e7inde en az 243.996 DKK, yar\u0131 zamanl\u0131 \u00fcyeler i\u00e7in 162.660 DKK&#8217;d\u0131r. Di\u011fer \u00f6nemli ko\u015fullar \u015funlar\u0131 i\u00e7erir:<\/p>\n<ul>\n<li>Danimarka ikametgah\u0131 var<\/li>\n<li>\u0130stihdam \u015fart\u0131n\u0131 yerine getirmek<\/li>\n<li>Kullan\u0131labilirlik gereksinimini kar\u015f\u0131lay\u0131n<\/li>\n<li>Yakla\u015f\u0131k 1 y\u0131ld\u0131r bilinen bir i\u015fsizlik sigortas\u0131 fonuna \u00fcye olmak<\/li>\n<li>\u0130\u015f merkezine kaydolun<\/li>\n<li>Mevcut t\u00fcm i\u015fleri aktif olarak aray\u0131n<\/li>\n<li>Bir g\u00fcn \u00f6nceden bildirimde bile olsa i\u015fi \u00fcstlenmek<\/li>\n<\/ul>\n<h3>Araba Sigortas\u0131<\/h3>\n<p>Araba sigortas\u0131, Danimarka&#8217;daki her araba sahibi i\u00e7in bir gerekliliktir. T\u00fcm arabalar \u00fc\u00e7\u00fcnc\u00fc \u015fah\u0131s sigortas\u0131 ile kapsanmal\u0131d\u0131r. Bu t\u00fcr bir sigortan\u0131n temel amac\u0131, ba\u015fkalar\u0131n\u0131n yan\u0131 s\u0131ra arabalar\u0131na verilen hasar ve yaralanmalar\u0131 da teminat alt\u0131na almakt\u0131r. \u00dc\u00e7\u00fcnc\u00fc \u015fah\u0131s sorumlulu\u011fu ansvarsforsikring iken kapsaml\u0131 sigorta kascoforsikring&#8217;dir.<\/p>\n<p>Kascoforsikring, ara\u00e7taki kay\u0131p veya hasar\u0131 kapsar ve iste\u011fe ba\u011fl\u0131d\u0131r. Ek teminat esas olarak arabalar\u0131 <a href=\"https:\/\/living-in-denmark.dk\/car-insurance\/\">iyi durumda<\/a> olan ki\u015filer i\u00e7in faydal\u0131d\u0131r. Samlino.dk adl\u0131 bir uygulama, piyasadaki en iyi fiyatlar\u0131 almak i\u00e7in farkl\u0131 araba sigortas\u0131 tekliflerini kar\u015f\u0131la\u015ft\u0131rmak i\u00e7in kullan\u0131labilir. Sigorta oran\u0131n\u0131 etkileyen 7 ana fakt\u00f6r ya\u015f, ara\u00e7 tipi, k\u0131dem, fazlal\u0131k, \u00f6nceki kazalar, ikamet yeri ve y\u0131ll\u0131k kat edilen kilometredir.<\/p>\n<p>Araba sigortas\u0131 primi bir \u015firketten di\u011ferine de\u011fi\u015fir. Ayr\u0131ca, bir talepte bulunurken veya bir kaza durumunda a\u015fa\u011f\u0131daki bilgiler sa\u011flanmal\u0131d\u0131r:<\/p>\n<ul>\n<li>Sahne foto\u011fraflar\u0131<\/li>\n<li>Model ve marka gibi ilgili ara\u00e7lar\u0131n detaylar\u0131<\/li>\n<li>\u0130lgili t\u00fcm s\u00fcr\u00fcc\u00fclerin sigorta bilgileri<\/li>\n<li>Kazaya kar\u0131\u015fan s\u00fcr\u00fcc\u00fclerin isimleri ve adresleri<\/li>\n<li>ehliyet numaras\u0131<\/li>\n<li>Olaya kar\u0131\u015fan ara\u00e7lar\u0131n plakalar\u0131<\/li>\n<\/ul>\n<h3>Ev Sigortas\u0131<\/h3>\n<p>Konut sigortas\u0131, sigortal\u0131n\u0131n aile fertlerinden, kendi e\u015fyalar\u0131ndan veya her ikisinden kaynaklanan sorumlulu\u011fu kapsar. Bu t\u00fcr bir sigorta, ki\u015finin ailesi i\u00e7in g\u00fcvenli bir ortam sunar, b\u00f6ylece bir sorun olmas\u0131 durumunda mali endi\u015feler ortadan kalkar. Ev sigortas\u0131n\u0131n kapsad\u0131\u011f\u0131 sorunlardan baz\u0131lar\u0131 hasar, h\u0131rs\u0131zl\u0131k ve ev e\u015fyalar\u0131n\u0131n veya ki\u015fisel e\u015fyalar\u0131n kayb\u0131n\u0131 i\u00e7erir.<\/p>\n<h3>Hayat Sigortas\u0131<\/h3>\n<p>Gelecek bilinmedi\u011fi i\u00e7in hayat sigortas\u0131 \u00f6nemlidir. B\u00f6ylece ki\u015finin ailesine maddi yard\u0131mda bulunur. Sa\u011fl\u0131k durumu iyi olsa bile, \u00f6l\u00fcm durumunda aileyi d\u00fc\u015f\u00fcnmek \u00f6nemlidir. Bu t\u00fcr bir sigorta kapsam\u0131na girerek elde edilebilecek faydalardan baz\u0131lar\u0131, hayat riski teminat\u0131, garantili gelir faydalar\u0131, vergi avantajlar\u0131, yat\u0131r\u0131m getirisi ve \u00f6l\u00fcm yard\u0131mlar\u0131d\u0131r.<\/p>\n<h3>Seyahat Sigortas\u0131<\/h3>\n<p>Danimarka&#8217;daki bir\u00e7ok insan genellikle seyahat sigortas\u0131 yapt\u0131rma konusunda karars\u0131zd\u0131r. AB sa\u011fl\u0131k sigortas\u0131n\u0131n ve kamu sa\u011fl\u0131k sigortas\u0131n\u0131n yurtd\u0131\u015f\u0131na seyahat ederken tam teminat sundu\u011funa inan\u0131yorlar. Ne yaz\u0131k ki, bu ikisi yaln\u0131zca <a href=\"https:\/\/www.europaeiske.dk\/privat\/rejseforsikringer\/?gclid=EAIaIQobChMIzrep0Miq9gIV9AWiAx0EpQsCEAAYAyAAEgJX_fD_BwE\">belirli bir \u00f6l\u00e7\u00fcde s\u0131ras\u0131yla AB ve Danimarka&#8217;y\u0131 kapsad\u0131\u011f\u0131ndan<\/a> bu yanl\u0131\u015ft\u0131r. Bu nedenle, d\u00fcnyan\u0131n geri kalan\u0131n\u0131 ziyaret ederken seyahat sigortas\u0131 yapt\u0131rmak \u00f6nemlidir.<\/p>\n<h3>Evcil Hayvan Sigortas\u0131<\/h3>\n<p>\u00d6rne\u011fin bir evcil hayvana sahip olmak, bir evcil hayvan sigortas\u0131 poli\u00e7esine sahip olmay\u0131 gerektirir. Sigorta poli\u00e7esi ki\u015finin ihtiyac\u0131na g\u00f6re farkl\u0131l\u0131k g\u00f6sterir. Bununla birlikte, kapsanan \u015feylerden baz\u0131lar\u0131, re\u00e7eteli ila\u00e7lar, rehabilitasyon, ameliyat ve ayr\u0131ca kanser tedavisi, hastal\u0131k <a href=\"https:\/\/www.agria.dk\/english\/\">, kaza ve yasal k\u00f6pek sorumlulu\u011funu<\/a> i\u00e7erir.<\/p>\n<p>Sigorta \u015firketleri, evcil hayvan sahiplerinin evcil hayvan bak\u0131m maliyetlerini kolayca b\u00fct\u00e7elemeleri i\u00e7in daha ucuz bir yol sunar. Evcil hayvan sigortas\u0131, yukar\u0131da belirtilen faydalar\u0131n yan\u0131 s\u0131ra, evcil hayvan\u0131n ya\u015f\u0131 ve cinsine g\u00f6re herhangi bir ayr\u0131m g\u00f6zetmeksizin, veteriner hekim se\u00e7me \u015fans\u0131 verir. Ayr\u0131ca evcil hayvan sahibinin bir sorun olmas\u0131 durumunda ailenin acil durum fonuna dalmas\u0131n\u0131 engeller ve g\u00f6n\u00fcl rahatl\u0131\u011f\u0131 sa\u011flar.<\/p>\n<h3>Ferdi Kaza Sigortas\u0131<\/h3>\n<p>Sigorta, sakat kald\u0131\u011f\u0131nda bir ki\u015fiyi kapsar. Ayr\u0131ca baz\u0131 durumlarda di\u015f tedavileri, \u00f6l\u00fcm ve yaralanmalar\u0131 kapsar. Politika, toplu \u00f6deme veya \u00f6deme esas\u0131 \u015feklinde gelir. Ayr\u0131ca, baz\u0131 sigorta \u015firketleri ek avantajlar da sunmaktad\u0131r. \u00d6rne\u011fin, hastaneye kald\u0131r\u0131ld\u0131\u011f\u0131nda g\u00fcnl\u00fck \u00f6denek, k\u00fcresel kaza kapsam\u0131 ve t\u00fcm aile kapsam\u0131 tek bir planda.<\/p>\n<h2>Danimarka&#8217;daki pop\u00fcler sigorta \u015firketleri<\/h2>\n<ul>\n<li>Agria Dyreforsikring<\/li>\n<li>Marka<\/li>\n<li>Dansk Boligforsikring<\/li>\n<li>DFA ForsikringsAgentur ApS<\/li>\n<li>Europ\u00e6iske Rejseforsikring<\/li>\n<li>GF Forsikring<\/li>\n<li>E\u011fer Skadeforsikring<\/li>\n<li>M\u00f8lholm Forsikring<\/li>\n<li>Nordjylland Forsikring<\/li>\n<li>Skandiya<\/li>\n<li>SOS Uluslararas\u0131<\/li>\n<li>Topdanmark Forsikring<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Danimarka&#8217;da, ani kay\u0131p korkusu nedeniyle g\u00fcvenlik sunduklar\u0131 i\u00e7in her t\u00fcrl\u00fc sigorta \u00f6nemlidir. Ayr\u0131ca sigorta, \u00e7al\u0131\u015fan&#8230;<\/p>\n","protected":false},"author":5,"featured_media":3955,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1263],"tags":[755,964,762,756,968],"class_list":["post-5361","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-danimarka","tag-araba-sigortasi","tag-issizlik-sigortasi","tag-mulk-sigortasi","tag-saglik-sigortasi","tag-sigorta-sirketleri","wpcat-1263-id"],"_links":{"self":[{"href":"https:\/\/expateuropa.com\/tr\/wp-json\/wp\/v2\/posts\/5361","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/expateuropa.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/expateuropa.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/tr\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/tr\/wp-json\/wp\/v2\/comments?post=5361"}],"version-history":[{"count":0,"href":"https:\/\/expateuropa.com\/tr\/wp-json\/wp\/v2\/posts\/5361\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/tr\/wp-json\/wp\/v2\/media\/3955"}],"wp:attachment":[{"href":"https:\/\/expateuropa.com\/tr\/wp-json\/wp\/v2\/media?parent=5361"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/expateuropa.com\/tr\/wp-json\/wp\/v2\/categories?post=5361"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/expateuropa.com\/tr\/wp-json\/wp\/v2\/tags?post=5361"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}