{"id":6952,"date":"2017-03-31T08:29:11","date_gmt":"2017-03-31T12:29:11","guid":{"rendered":"http:\/\/localhost:10028\/uncategorized\/basics-24-hour-healthcare-coverage-workers-compensation\/"},"modified":"2017-03-31T08:29:11","modified_gmt":"2017-03-31T12:29:11","slug":"temel-bilgiler-24-saat-saglik-kapsami-isci-tazminati","status":"publish","type":"post","link":"https:\/\/napolilaw.lemonadestand.org\/tr\/article\/temel-bilgiler-24-saat-saglik-kapsami-isci-tazminati\/","title":{"rendered":"24 Saat Sa\u011fl\u0131k Sigortas\u0131 ve \u00c7al\u0131\u015fan Sigortas\u0131"},"content":{"rendered":"

Geleneksel olarak, sa\u011fl\u0131k sigortas\u0131 ve\u00a0i\u015f\u00e7i tazminat\u0131<\/a> bir i\u015fveren her ikisini de \u00f6dedi\u011finde bile sigorta ba\u011f\u0131ms\u0131z olarak y\u00f6netilmi\u015ftir. Ancak 24 saat kapsam\u0131nda, bu iki program rahatl\u0131k ve para tasarrufu sa\u011flayan avantajlar i\u00e7in birle\u015ftirilmi\u015ftir.<\/p>\n

24 Saatlik Kapsam Nedir?<\/h3>\n

\u00a0<\/strong>24 saat kapsama, benzersiz, hibrit bir konsepttir <\/a>\u00fclkedeki yaln\u0131zca birka\u00e7 eyaletin denedi\u011fi. 24 saatlik bir kapsam plan\u0131 kapsam\u0131nda, bir \u00e7al\u0131\u015fan\u0131n sa\u011fl\u0131k yard\u0131mlar\u0131 ve i\u015f\u00e7i tazminat faydalar\u0131 bir araya getirilir ve \u00e7al\u0131\u015fan\u0131n t\u00fcm sa\u011fl\u0131k ihtiya\u00e7lar\u0131 - mesleki veya mesleki olmayan - i\u015fveren taraf\u0131ndan kar\u015f\u0131lan\u0131r. \u0130fade etmenin ba\u015fka bir yolu da \u015fudur: Terim\u00a024 saat kapsama<\/b>\u00a0genel sa\u011fl\u0131k sigortas\u0131 ve i\u015f\u00e7i tazminat\u0131 kapsam\u0131n\u0131n bir kombinasyonudur.<\/p>\n

24 saatlik kapsam pilotu, i\u015fverenler ve \u00e7al\u0131\u015fanlar i\u00e7in avantajlar sunar. \u00d6zel bir sa\u011fl\u0131k hizmeti sa\u011flay\u0131c\u0131s\u0131 ile s\u00f6zle\u015fme yaparak, idari tekrarlar\u0131 azaltarak tasarruf sa\u011flan\u0131r. Bir i\u015f\u00e7i tazminat\u0131 ta\u015f\u0131y\u0131c\u0131s\u0131 taraf\u0131ndan sigortalanan kat\u0131l\u0131mc\u0131 i\u015fverenler, i\u015f\u00e7i tazminat primlerinde indirime hak kazan\u0131rlar. Ayr\u0131ca, yaralanan bir i\u015f\u00e7inin t\u0131bbi tedavisi \u00fczerindeki i\u015fveren kontrol\u00fc, mevcut 30 g\u00fcnden bir y\u0131la kadar uzat\u0131lm\u0131\u015ft\u0131r.<\/p><\/blockquote>\n

Kay\u0131t olmay\u0131 se\u00e7en \u00e7al\u0131\u015fanlar, bak\u0131m\u0131n rahatl\u0131\u011f\u0131 ve s\u00fcreklili\u011fi<\/strong>\u00a0t\u00fcm sa\u011fl\u0131k ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131layan ayn\u0131 doktordan\/sa\u011fl\u0131k hizmeti sa\u011flay\u0131c\u0131s\u0131ndan.<\/p>\n

24 saatlik kapsama pilot program\u0131na kat\u0131lan i\u015fverenlerin sa\u011fl\u0131k bak\u0131m maliyetlerinde bir azalma ya\u015famalar\u0131 bekleniyor. Bununla birlikte, kesin miktar tahmin yoluyla belirlenemez. Ger\u00e7ekten de, pilot projenin bir amac\u0131, bu t\u00fcr t\u0131bbi teminat\u0131n tasarruflar\u0131n\u0131 ve potansiyel faydalar\u0131n\u0131 \u00f6l\u00e7mektir.<\/p>\n

24 Saat Sigortan\u0131n Avantajlar\u0131 Nelerdir?<\/h3>\n

24 saat kapsaman\u0131n faydalar\u0131 a\u00e7\u0131kt\u0131r; T\u00fcm hastal\u0131klar\u0131 ve yaralanmalar\u0131 i\u00e7in t\u0131bbi bak\u0131m garantisi ald\u0131klar\u0131 ve t\u00fcm ihtiya\u00e7lar\u0131 i\u00e7in tek bir doktora g\u00f6r\u00fcnebildikleri i\u00e7in \u00e7al\u0131\u015fanlar yaln\u0131zca daha fazla sa\u011fl\u0131k g\u00fcvencesinden yararlanmakla kalmaz, ayn\u0131 zamanda i\u015fverenler de para tasarrufu sa\u011flar. Tasarruf, azalan y\u00f6netim maliyetlerinin bir sonucu olarak elde edilir ve kat\u0131lan i\u015fverenler tipik olarak (b\u00f6lgeye ba\u011fl\u0131 olarak) 24 saatlik sigortay\u0131 se\u00e7tikleri i\u00e7in primlerde indirim al\u0131rlar. Ayr\u0131ca, 24 saat sa\u011fl\u0131k hizmeti kapsam\u0131n\u0131 se\u00e7erek i\u015fverenlerin, bir yaralanman\u0131n ger\u00e7ekten i\u015fle ilgili olup olmad\u0131\u011f\u0131 konusunda bir anla\u015fmazl\u0131k oldu\u011funda yayg\u0131n olan i\u015f\u00e7i tazminat\u0131 dava maliyetlerinden de tasarruf sa\u011flayabilece\u011fi tahmin edilmektedir. Kaza nas\u0131l olmu\u015f olursa olsun teminat sa\u011flanarak anla\u015fmazl\u0131klar ortadan kalkar.<\/p>\n

24-Teminat\u0131 Nerelerde Sunulur?<\/h3>\n

Sa\u011fl\u0131k \u015firketlerinin hem mesleki hem de mesleki olmayan hastal\u0131klar i\u00e7in sigorta sa\u011flamas\u0131na izin veren yasalara veya 24 saatlik kapsam\u0131 ke\u015ffetmek i\u00e7in pilot projelere sahip yaln\u0131zca birka\u00e7 eyalet vard\u0131r. California, end\u00fcstride bir lider olarak kabul edildi. \u00c7al\u0131\u015fanlardan, bu t\u00fcr bir kapsam\u0131n kullan\u0131mlar\u0131 i\u00e7in faydal\u0131 veya uygun maliyetli olup olmayaca\u011f\u0131 konusunda kendi ara\u015ft\u0131rmalar\u0131n\u0131 yapmalar\u0131 beklenir. Ara\u015ft\u0131r\u0131ld\u0131ktan sonra, i\u015fveren, sigorta sa\u011flay\u0131c\u0131s\u0131 arac\u0131l\u0131\u011f\u0131yla bu t\u00fcr bir teminat\u0131 da sunmal\u0131d\u0131r, bu her zaman makul veya uygulanabilir de\u011fildir, bu da dikkate al\u0131nmas\u0131 gereken bir \u015feydir. G\u00f6rd\u00fc\u011f\u00fcn\u00fcz gibi, bu teminat\u0131 almak, uzun ve kafa kar\u0131\u015ft\u0131r\u0131c\u0131 bir s\u00fcre\u00e7 olma potansiyeline sahiptir ve en iyisi, yak\u0131n\u0131n\u0131zda yasalar\u0131 anlayan ve do\u011fabilecek b\u00fcrokrasinin \u00fcstesinden gelebilecek birinin bulunmas\u0131d\u0131r.<\/p>\n

24 saat teminat ve bunu g\u00fcvence alt\u0131na al\u0131p alamayaca\u011f\u0131n\u0131zla ilgili sorular\u0131n\u0131z varsa, sigortac\u0131n\u0131za dan\u0131\u015fmal\u0131s\u0131n\u0131z. \u0130\u015f\u00e7i tazminat\u0131 kapsam\u0131n\u0131z haks\u0131z yere reddedildiyse, bug\u00fcn \u00fccretsiz dan\u0131\u015fma i\u00e7in hukuk b\u00fcrolar\u0131m\u0131zla ileti\u015fime ge\u00e7in<\/a>.<\/p>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

Geleneksel olarak, sa\u011fl\u0131k sigortas\u0131 ve i\u015f\u00e7i tazminat sigortas\u0131, her ikisi i\u00e7in de bir i\u015fveren \u00f6deme yapt\u0131\u011f\u0131nda bile ba\u011f\u0131ms\u0131z olarak y\u00f6netilmektedir. Ancak 24 saat kapsama alan\u0131 alt\u0131nda, bu iki program kolayl\u0131k sa\u011flamak i\u00e7in birle\u015ftirilmi\u015ftir ve\u2026<\/p>","protected":false},"author":3,"featured_media":6953,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[778],"tags":[],"class_list":["post-6952","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-workers-compensation"],"acf":[],"page_builder_type":"gutenberg","gutenberg_data":[],"_links":{"self":[{"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/posts\/6952","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/comments?post=6952"}],"version-history":[{"count":0,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/posts\/6952\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/media\/6953"}],"wp:attachment":[{"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/media?parent=6952"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/categories?post=6952"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/tr\/wp-json\/wp\/v2\/tags?post=6952"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}