{"id":2947,"date":"2012-07-08T22:00:00","date_gmt":"2012-07-08T19:00:00","guid":{"rendered":"http:\/\/www.ced.org.tr\/?p=2947"},"modified":"2012-07-08T22:00:00","modified_gmt":"2012-07-08T19:00:00","slug":"saglikta-donusumde-son-durak-saglikta-kasko-sigortasi-donemi","status":"publish","type":"post","link":"http:\/\/www.ced.org.tr\/?p=2947","title":{"rendered":"Sa\u011fl\u0131kta d\u00f6n\u00fc\u015f\u00fcmde son durak: SA\u011eLIKTA KASKO S\u0130GORTASI D\u00d6NEM\u0130"},"content":{"rendered":"<div style=\"color: #222222; font-family: arial,sans-serif; font-size: 12.5px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; background-color: #ffffff;\">Devletin sigorta kapsam\u0131n\u0131 daraltan yeni yasal d\u00fczenlemede SGK&#8217;n\u0131n kar\u015f\u0131lamad\u0131\u011f\u0131 hizmetler i\u00e7in \u00f6zel sigorta yap\u0131lacak. Yani kaskosu olmayan yurtta\u015flar art\u0131k tedavi olamayacak.  <\/p>\n<\/div>\n<div style=\"color: #222222; font-family: arial,sans-serif; font-size: 12.5px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; background-color: #ffffff;\"><strong> <\/strong><\/div>\n<div style=\"color: #222222; font-family: arial,sans-serif; font-size: 12.5px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; background-color: #ffffff;\"><strong>DR. ERG\u00dcN DEM\u0130R-DR. G\u00dcRAY KILI\u00c7<\/strong><\/p>\n<p>Herkes i\u00e7in zorunlu olan Genel Sa\u011fl\u0131k Sigortas\u0131 (GSS), katk\u0131-kat\u0131l\u0131m paylar\u0131, ilave \u00fccret yetmedi; \u015fimdi de tamamlay\u0131c\u0131 sigorta ad\u0131yla e\u015fitsizlikleri daha da art\u0131racak olan yeni bir ek \u00f6deme d\u00fczenlemesi getirildi. Sosyal G\u00fcvenlik Kurumu (SGK) b\u00fct\u00e7esinden \u00f6zel sa\u011fl\u0131k kurulu\u015flar\u0131na, \u00fcniversite hastanelerinden daha y\u00fcksek miktarda aktar\u0131lan kaynaklar ve hastalardan al\u0131nan \u00f6l\u00e7\u00fcs\u00fc belirsiz paralar yetmedi. \u00d6zel sa\u011fl\u0131k kurulu\u015flar\u0131 ek sa\u011fl\u0131k<span> <\/span><span class=\"il\" style=\"background-color: #ffffcc; color: #222222;\">kasko<\/span><span> <\/span>vergisiyle yeni bir kayna\u011fa daha kavu\u015fmu\u015f oldular.<\/div>\n<p style=\"color: #222222; font-family: arial,sans-serif; font-size: 12.5px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; background-color: #ffffff;\">SGK, 28 Haziran 2012&#8217;de tamamlay\u0131c\u0131 veya destekleyici sa\u011fl\u0131k sigortas\u0131n\u0131n tan\u0131m, kapsam ve uygulamalar\u0131yla ilgili olarak bir genelge (2012\/25) yay\u0131mlad\u0131. Bu genelgeyle GSS primlerinin t\u00fcm sa\u011fl\u0131k hizmetlerine eri\u015fmek i\u00e7in yeterli olamayaca\u011f\u0131 ve \u201cistisnai hizmetler\u201d olarak tan\u0131mlanan ve kapsam d\u0131\u015f\u0131 b\u0131rak\u0131lacak olan hizmetleri i\u00e7eren paketin giderek geni\u015fleyece\u011fi SGK taraf\u0131ndan kabul edilmi\u015f olmaktad\u0131r. Bu t\u00fcr hizmetlere ula\u015fabilmek ve A grubu hastanelerden yararlanabilmek i\u00e7in, \u00f6deyebilenden\u00a0 \u201ctamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131\u201d primi ad\u0131 alt\u0131nda ek bir vergi talep edilmektedir. Sigorta yapt\u0131ranlar, ara\u00e7<span> <\/span><span class=\"il\" style=\"background-color: #ffffcc; color: #222222;\">kasko<\/span><span> <\/span>sigortas\u0131nda oldu\u011fu gibi e\u011fer sa\u011fl\u0131k hizmetini kullanmazlarsa da \u2018hasars\u0131zl\u0131k indiriminden\u2019 yararlanacaklar!<\/p>\n<p style=\"color: #222222; font-family: arial,sans-serif; font-size: 12.5px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; background-color: #ffffff;\">5510 Say\u0131l\u0131 SSGSS Kanunu Madde 98\u2019de; y\u0131ll\u0131k veya daha uzun s\u00fcreli tamamlay\u0131c\u0131 veya destekleyici \u00f6zel sa\u011fl\u0131k sigortalar\u0131na ili\u015fkin usul ve esaslar\u0131n Kurumun uygunluk g\u00f6r\u00fc\u015f\u00fc al\u0131narak Hazine M\u00fcste\u015farl\u0131\u011f\u0131 taraf\u0131ndan belirlenece\u011fi belirtilmektedir.<\/p>\n<p style=\"color: #222222; font-family: arial,sans-serif; font-size: 12.5px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; background-color: #ffffff;\">Bu madde\u2019ye ba\u011fl\u0131 olarak yay\u0131mlanan Genelgede &#8220;tamamlay\u0131c\u0131 veya destekleyici sa\u011fl\u0131k sigortas\u0131&#8221;, SGK taraf\u0131ndan kapsama al\u0131nmayan ya da kapsama al\u0131nd\u0131\u011f\u0131 halde genel sa\u011fl\u0131k sigortal\u0131s\u0131 taraf\u0131ndan ilave \u00fccret \u00f6demesi gerektiren sa\u011fl\u0131k hizmetlerinin, \u00f6zel sa\u011fl\u0131k sigorta arac\u0131l\u0131\u011f\u0131yla sigorta kapsam\u0131na al\u0131nmas\u0131 olarak tan\u0131mlanmaktad\u0131r. Ancak Genelge\u2019de sa\u011fl\u0131k hizmetlerinden yararlanan genel sa\u011fl\u0131k sigortal\u0131lar\u0131n hizmeti ald\u0131klar\u0131 anda prime ek olarak \u00f6demekle y\u00fck\u00fcml\u00fc olduklar\u0131 katk\u0131-kat\u0131l\u0131m paylar\u0131n\u0131n \u00f6zel sigorta \u015firketleri taraf\u0131ndan teminat veya \u00f6deme konusu yap\u0131lamayaca\u011f\u0131 h\u00fckm\u00fc de getirilmektedir.Sa\u011fl\u0131k hizmet sunucusuyla sigorta \u015firketi aras\u0131nda yap\u0131labilecek anla\u015fmaya g\u00f6re tamamlay\u0131c\u0131 veya destekleyici sa\u011fl\u0131k sigortas\u0131 konusu yap\u0131labilecek bedeller;<br \/>-Kurumca finansman\u0131 sa\u011flanmayan \u201cistisnai\u201d sa\u011fl\u0131k hizmetlerine ait bedeller,<br \/>-\u0130lave \u00fccret tutarlar\u0131,<br \/>-Otelcilik hizmeti gibi hastalardan al\u0131nabilecek tutarlar,<br \/>-Sa\u011fl\u0131k Uygulama Tebli\u011fi fiyatlar\u0131 \u00fczerinde kalan tutarlar.<br \/>Yap\u0131lacak i\u015f ve i\u015flemler \u00f6zel sigorta \u015firketlerine prim \u00f6demek suretiyle \u00f6zel sa\u011fl\u0131k sigortas\u0131 poli\u00e7esi sat\u0131n alanlar i\u00e7in uygulanacakt\u0131r.<br \/>Tamamlay\u0131c\u0131 veya destekleyici sa\u011fl\u0131k sigortas\u0131na sahip genel sa\u011fl\u0131k sigortal\u0131s\u0131 ve bakmakla y\u00fck\u00fcml\u00fc oldu\u011fu ki\u015filere ayn\u0131 tedavi d\u00f6neminde sunulan sa\u011fl\u0131k hizmet bedellerinden;<br \/>1-Kurumun 63. maddesi kapsam\u0131nda sunulan sa\u011fl\u0131k hizmetlerine ait olanlar kuruma,<br \/>2-63. maddenin birinci f\u0131kras\u0131nda say\u0131lan ve tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 poli\u00e7esi kapsam\u0131nda tan\u0131ml\u0131 olanlar ilgili \u00f6zel sa\u011fl\u0131k sigortas\u0131 \u015firketine,<br \/>3-Sigorta poli\u00e7esi kapsam\u0131nda yer almayan ilave \u00fccret, otelcilik hizmeti, kapsam d\u0131\u015f\u0131 sa\u011fl\u0131k hizmetine ait bedeller, hastaya fatura edilecektir,<br \/>4-Hasta kat\u0131l\u0131m paylar\u0131 ise hi\u00e7 bir \u015fekilde teminat konusu yap\u0131lamayaca\u011f\u0131ndan hastalar taraf\u0131ndan \u00f6denecektir.<br \/>5510 say\u0131l\u0131 kanun madde 64\u2019te; Kurumca finansman\u0131 sa\u011flanmayacak sa\u011fl\u0131k hizmetleri \u015f\u00f6yle s\u0131n\u0131fland\u0131r\u0131lm\u0131\u015ft\u0131r:<br \/>-Estetik ama\u00e7l\u0131 yap\u0131lan her t\u00fcrl\u00fc sa\u011fl\u0131k hizmetiyle estetik ama\u00e7l\u0131 ortodontik di\u015f tedavileri,<br \/>-Sa\u011fl\u0131k Bakanl\u0131\u011f\u0131nca izin veya ruhsat verilmeyen sa\u011fl\u0131k hizmetleri ile Sa\u011fl\u0131k Bakanl\u0131\u011f\u0131nca t\u0131bben hizmeti kabul edilmeyen sa\u011fl\u0131k hizmetleri,<br \/>-Yabanc\u0131 \u00fclke yurtta\u015flar\u0131n\u0131n genel sa\u011fl\u0131k sigortal\u0131 oldu\u011fu tarihten \u00f6nce mevcut kronik hastal\u0131klar\u0131<br \/>G\u00f6r\u00fcld\u00fc\u011f\u00fc gibi tamamlay\u0131c\u0131 veya destekleyici sa\u011fl\u0131k sigortas\u0131, genelgede ifade edildi\u011fi gibi sadece kapsam d\u0131\u015f\u0131 olan estetik ama\u00e7l\u0131 sa\u011fl\u0131k hizmetleri \u00fczerine kurgulanmam\u0131\u015f, SGK taraf\u0131ndan temel teminat paketinin daralt\u0131lmas\u0131yla paket d\u0131\u015f\u0131na \u00e7\u0131kar\u0131lacak olan sa\u011fl\u0131k hizmetleri ve kurumca finansman\u0131 sa\u011flanmayan ve k\u0131smen kar\u015f\u0131lanan sa\u011fl\u0131k hizmetleri \u00fczerine kurgulanm\u0131\u015ft\u0131r.\u00d6zetle bu uygulamayla SGK taraf\u0131ndan kar\u015f\u0131lanmayan (estetik ameliyatlar) veya SGK taraf\u0131ndan sa\u011fl\u0131k hizmeti olarak sigortal\u0131lara verilmeyen sa\u011fl\u0131k hizmetlerini almak isteyenler, GSS \u00f6ncesi d\u00f6nemde oldu\u011fu gibi \u00f6zel sigorta \u015firketine poli\u00e7enin kapsam\u0131na g\u00f6re miktar\u0131 de\u011fi\u015fecek olan bir prim bedeliyle bu hizmetleri alabileceklerdir. Ayr\u0131ca yine prim miktar\u0131 art\u0131r\u0131larak \u00f6zel hastanelere \u00f6denen ilave (fark) \u00fccretler ve kamu\/\u00f6zel hastanelerine \u00f6dedi\u011fimiz \u00f6zel yatak \u00fccretleri de poli\u00e7e kapsam\u0131na al\u0131narak \u00f6zel sa\u011fl\u0131k sigortas\u0131na sigorta ettirilebilecektir. Bunun i\u00e7in \u00f6zel sa\u011fl\u0131k sigortalar\u0131 \u201cTamamlay\u0131c\u0131 veya Destekleyici Sa\u011fl\u0131k Sigortas\u0131\u201d poli\u00e7esi haz\u0131rlay\u0131p isteyenlere satacak; i\u00e7erdi\u011fi teminat paketlerini de ilan edeceklerdir. Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131, muayene \u00fccretlerinden, protez ve ortezlerden ve ila\u00e7lardan al\u0131nan kat\u0131l\u0131m paylar\u0131n\u0131 hi\u00e7 bir \u015fekilde i\u00e7ermeyecektir.<\/p>\n<p style=\"color: #222222; font-family: arial,sans-serif; font-size: 12.5px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; background-color: #ffffff;\">5510 say\u0131l\u0131 kanun madde 63; finansman\u0131 sa\u011flanan sa\u011fl\u0131k hizmetleri ve s\u00fcresini tan\u0131mlam\u0131\u015ft\u0131r:<br \/>Kurum (SGK), finansman\u0131 sa\u011flanacak sa\u011fl\u0131k hizmetlerinin te\u015fhis ve tedavi y\u00f6ntemlerini, sa\u011fl\u0131k hizmetlerinin t\u00fcrlerini, miktarlar\u0131n\u0131 ve kullan\u0131m s\u00fcrelerini, \u00f6deme usul ve esaslar\u0131n\u0131 Sa\u011fl\u0131k Bakanl\u0131\u011f\u0131\u2019n\u0131n g\u00f6r\u00fc\u015f\u00fcn\u00fc alarak belirlemeye yetkilidir.<\/p>\n<p style=\"color: #222222; font-family: arial,sans-serif; font-size: 12.5px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; background-color: #ffffff;\">G\u00f6r\u00fcld\u00fc\u011f\u00fc gibi kanunda bir hayli geni\u015f olarak tan\u0131mlanm\u0131\u015f olan kat\u0131l\u0131m paylar\u0131nda art\u0131\u015f ve temel teminat paketini gerekti\u011finde daraltmak tamamen SGK yetkisine b\u0131rak\u0131lm\u0131\u015f durumdad\u0131r<br \/><strong><br \/>\u015eAPKA D\u00dc\u015eT\u00dc\u2026KEL G\u00d6Z\u00dcKT\u00dc<\/strong><br \/>Genel Sa\u011fl\u0131k Sigortas\u0131 Asgari Sa\u011fl\u0131k Sigortas\u0131na d\u00f6n\u00fc\u015ft\u00fcr\u00fcl\u00fcyor!<\/p>\n<p style=\"color: #222222; font-family: arial,sans-serif; font-size: 12.5px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; background-color: #ffffff;\">Sa\u011fl\u0131k hizmetlerine ula\u015fabilmek i\u00e7in GSS\u2019li olman\u0131n yeterli olmayaca\u011f\u0131, GSS\u2019nin asl\u0131nda sadece bir asgari sa\u011fl\u0131k sigortas\u0131 sa\u011flayaca\u011f\u0131, kapsam\u0131 geni\u015fletebilmek i\u00e7in zorunlu GSS primi \u00f6deyen yurtta\u015flar\u0131n, ayr\u0131ca ek bir sa\u011fl\u0131k vergisi anlam\u0131na gelen tamamlay\u0131c\u0131 sigorta primini de \u00f6zel sigorta \u015firketine yat\u0131rmas\u0131 gerekecektir. Yani SGK sa\u011fl\u0131k giderlerinin belirli bir miktara kadar olan\u0131n\u0131 kar\u015f\u0131layacak, dileyenler de SGK\u2019n\u0131n kar\u015f\u0131lamad\u0131\u011f\u0131 hizmetler i\u00e7in \u00f6zel sigorta yapt\u0131racaklard\u0131r.B\u00f6ylece GSS hastalar\u0131n ihtiya\u00e7 duydu\u011fu b\u00fct\u00fcn sa\u011fl\u0131k hizmetlerini kapsamayacakt\u0131r. Temel teminat paketi i\u00e7inde yer almayan sa\u011fl\u0131k hizmetleri i\u00e7in yurtta\u015flar\u0131n ceplerinden para \u00f6demeleri gerekecektir. Baz\u0131 sa\u011fl\u0131k hizmetleri temel teminat paketi i\u00e7inde yer alsa dahi SGK taraf\u0131ndan k\u0131smen \u00f6denecektir, kalan k\u0131sm\u0131n\u0131 ise yurtta\u015f cebinden \u00f6deyecektir.<\/p>\n<p style=\"color: #222222; font-family: arial,sans-serif; font-size: 12.5px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; background-color: #ffffff;\">Art\u0131k sa\u011fl\u0131k hizmetlerine gereksinimi olanlar de\u011fil, paras\u0131 olup \u2018<span class=\"il\" style=\"background-color: #ffffcc; color: #222222;\">kasko<\/span>\u2019 sigortas\u0131 yapt\u0131ranlar ula\u015fabilecektir!<br \/>Araba ald\u0131\u011f\u0131n\u0131zda trafik sigortas\u0131 yapt\u0131rmadan trafi\u011fe \u00e7\u0131kamad\u0131\u011f\u0131n\u0131z gibi; zorunlu GSS\u2019ye de prim \u00f6demezseniz sa\u011fl\u0131k kurulu\u015fundan i\u00e7eri giremeyeceksiniz. \u00dcstelik sa\u011fl\u0131k kurumlar\u0131na giremedi\u011finiz gibi o ana kadar birikmi\u015f olan t\u00fcm prim bor\u00e7lar\u0131n\u0131 da \u00f6demeniz gerekmektedir. Araban\u0131z yeni ve pahal\u0131 ise kazalara kar\u015f\u0131<span> <\/span><span class=\"il\" style=\"background-color: #ffffcc; color: #222222;\">kasko<\/span><span> <\/span>sigortas\u0131 yapt\u0131rd\u0131\u011f\u0131n\u0131zda hasar durumunda t\u00fcm masraflar kar\u015f\u0131lanabilmektedir. Benzer \u015fekilde \u00f6zel sa\u011fl\u0131k kurulu\u015flar\u0131 ve \u00f6zel sigorta \u015firketleri de insanlar\u0131n hastal\u0131klar\u0131 \u00fczerinden sa\u011fl\u0131k kaskosu yapt\u0131rmaya \u00e7al\u0131\u015farak yurtta\u015ftan alaca\u011f\u0131 paray\u0131 garanti etmek istemektedir. Paras\u0131 olup<span> <\/span><span class=\"il\" style=\"background-color: #ffffcc; color: #222222;\">kasko<\/span><span> <\/span>primini\u00a0 yat\u0131ranlar A tipi \u00f6zel hastaneler ile A tipi kamu hastane birliklerine gidecek; paras\u0131 olmayanlar ve b\u00f6ylece<span> <\/span><span class=\"il\" style=\"background-color: #ffffcc; color: #222222;\">kasko<\/span>yapt\u0131ramayanlar da ancak\u00a0 \u201cE tipi\u201d hastanelere gidebileceklerdir. Bu \u201cAlta kalan\u0131n can\u0131 \u00e7\u0131ks\u0131n!\u201d ifadesinin en ger\u00e7ek\u00e7i hali olacakt\u0131r.<\/p>\n<p style=\"color: #222222; font-family: arial,sans-serif; font-size: 12.5px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; background-color: #ffffff;\">Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 kim (ler) i\u00e7in \u00f6ng\u00f6r\u00fclmektedir?<\/p>\n<p style=\"color: #222222; font-family: arial,sans-serif; font-size: 12.5px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; background-color: #ffffff;\">Hi\u00e7 ku\u015fkusuz \u00f6zel sigorta \u015firketleri ve \u00f6zel hastane patronlar\u0131 i\u00e7indir. Devlet destekli, m\u00fc\u015fteri garantili, paralar g\u00fcvenceli, \u00f6demeler sabit s\u00fcreli&#8230; Serbest piyasa ekonomisi i\u00e7in tatl\u0131 bir r\u00fcya.<\/p>\n<p style=\"color: #222222; font-family: arial,sans-serif; font-size: 12.5px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; background-color: #ffffff;\">Garibana ne mi olacak\u2026.Fakir fukaran\u0131n can\u0131 cehenneme\u2026!Kimler en \u00e7ok ma\u011fdur olacakt\u0131r; \u00f6zel sigorta \u015firketlerinin ya\u015fl\u0131lar, do\u011fumsal ya da sonradan edinilmi\u015f kronik hastal\u0131\u011f\u0131 olanlar\u0131 sigorta kapsam\u0131na almaktan ka\u00e7\u0131nd\u0131klar\u0131, \u00e7ok para istedikleri bilinmektedir. Tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 en \u00e7ok yoksullar\u0131, ya\u015fl\u0131lar\u0131 ve kronik hastal\u0131\u011f\u0131 olanlar\u0131 ma\u011fdur edecektir. Bu gruptakiler sa\u011fl\u0131k hizmetine gerekti\u011fi gibi eri\u015fip yararlanamayacaklard\u0131r.<\/p>\n<p style=\"color: #222222; font-family: arial,sans-serif; font-size: 12.5px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; background-color: #ffffff;\">D\u00fcnya \u00f6rneklerinden de bilindi\u011fi gibi \u00f6zel hastaneler her zaman pastan\u0131n kremas\u0131n\u0131 s\u0131y\u0131rmay\u0131 tercih ederler. K\u00e2r oran\u0131 d\u00fc\u015f\u00fck, k\u00fclfetli, zahmetli t\u0131bbi i\u015flemlerden ka\u00e7\u0131n\u0131rlar. Kronik, riskli yoksul hastalar\u0131 kabul etmemek i\u00e7in ellerinden gelen yaparlar. M\u00fcmk\u00fcn oldu\u011funca basit, h\u0131zl\u0131, kazan\u00e7l\u0131 i\u015flemleri ve varl\u0131kl\u0131 m\u00fc\u015fterileri se\u00e7erler.<br \/>Bir\u00e7ok \u00fclkede sa\u011fl\u0131k alan\u0131nda yap\u0131lanlara bak\u0131ld\u0131\u011f\u0131nda aralar\u0131nda birka\u00e7 y\u0131ll\u0131k zaman fark\u0131 olsa da neredeyse t\u00fcm\u00fcyle ayn\u0131 sa\u011fl\u0131k politikalar\u0131 uygulad\u0131klar\u0131 g\u00f6r\u00fclmektedir. D\u00fcnya Bankas\u0131 (DB), D\u00fcnya Ticaret \u00d6rg\u00fct\u00fc (DT\u00d6), Uluslararas\u0131 Para Fonu (\u0130MF) ve di\u011fer uluslararas\u0131 finans ve sa\u011fl\u0131k sekt\u00f6r\u00fcndeki \u00e7okuluslu \u015firketlerin iste\u011fi ve bask\u0131s\u0131yla uygulanan programlar\u0131n iki somut de\u011fi\u015fimi ortaya koydu\u011fu g\u00f6r\u00fclmektedir. K\u00fcresel kapitalist d\u00fczenin h\u00fck\u00fcm s\u00fcrd\u00fc\u011f\u00fc ve bu sisteme eklemlenmi\u015f t\u00fcm \u00fclkelerde sa\u011fl\u0131k hizmetine eri\u015fim ve yararlanma art\u0131k bir hak de\u011fildir; sa\u011fl\u0131k k\u00fcresel kapitalizmin yeni ve y\u00fcksek k\u00e2r oranl\u0131 alanlar\u0131ndan birisidir. Bunu sa\u011flayan modellerin uyguland\u0131\u011f\u0131 \u00fclkelerde ya\u015fayan toplumlar bir kar\u015f\u0131l\u0131k ve bedel \u00f6deseler de sa\u011fl\u0131k hizmetine gerekti\u011fi gibi eri\u015fip yararlanamamakta ve hem \u00fclke \u00e7ap\u0131nda, hem de k\u00fcresel \u00f6l\u00e7ekte toplumlar\u0131n sa\u011fl\u0131\u011f\u0131 giderek daha \u00e7ok bozulmaktad\u0131r.<\/p>\n<p><strong>SONU\u00c7 OLARAK<\/strong><br \/>S\u00f6z konusu katk\u0131 paylar\u0131n\u0131n miktar ve oranlar\u0131n\u0131n art\u0131r\u0131lmas\u0131; giderek daha \u00e7ok say\u0131da hastal\u0131k ve hizmet konusunun genel sa\u011fl\u0131k sigortas\u0131 \u00f6deme kapsam\u0131 d\u0131\u015f\u0131na \u00e7\u0131kar\u0131lmas\u0131, ikinci ve \u00fc\u00e7\u00fcnc\u00fc basamak hizmetlere ula\u015fma i\u00e7in sevk zorunlulu\u011funun getirilmesi, sigorta primlerinin daha y\u00fcksek oranda ve baz\u0131 kesimler i\u00e7in t\u00fcm\u00fcyle cepten \u00f6denmesi, kapsam d\u0131\u015f\u0131 hizmetler i\u00e7in tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131n\u0131n zorunlu olmas\u0131, sigorta kurumlar\u0131n\u0131n k\u0131smen ya da tamamen \u00f6zelle\u015ftirilmesi di\u011fer \u00fclkelerdeki uygulamalarda g\u00f6zlenen ve \u00e7ok uzak olmayan bir s\u00fcre\u00e7 i\u00e7in de bizim de ya\u015fayarak g\u00f6rece\u011fimiz uygulamalar olacakt\u0131r.<\/p>\n<div style=\"color: #222222; font-family: arial,sans-serif; font-size: 12.5px; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; background-color: #ffffff;\">Nihai ama\u00e7lar\u0131 sa\u011fl\u0131k hizmetlerine gerekti\u011fi eri\u015fimin k\u0131s\u0131tlanmas\u0131 ve sa\u011fl\u0131ks\u0131z toplum yaratarak sa\u011fl\u0131k hizmetlerinden daha fazla k\u00e2r elde etmektir.<\/p>\n<div><strong> <\/strong><\/div>\n<div><strong>Birg\u00fcn.9 temmuz 2012<\/strong><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Devletin sigorta kapsam\u0131n\u0131 daraltan yeni yasal d\u00fczenlemede SGK&#8217;n\u0131n kar\u015f\u0131lamad\u0131\u011f\u0131 hizmetler i\u00e7in \u00f6zel sigorta yap\u0131lacak. Yani kaskosu olmayan yurtta\u015flar art\u0131k tedavi&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[62],"tags":[],"class_list":["post-2947","post","type-post","status-publish","format-standard","hentry","category-sagliktan-haberler"],"aioseo_notices":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"http:\/\/www.ced.org.tr\/index.php?rest_route=\/wp\/v2\/posts\/2947","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.ced.org.tr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.ced.org.tr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.ced.org.tr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.ced.org.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2947"}],"version-history":[{"count":0,"href":"http:\/\/www.ced.org.tr\/index.php?rest_route=\/wp\/v2\/posts\/2947\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.ced.org.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2947"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.ced.org.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2947"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.ced.org.tr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2947"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}