{"id":3858,"date":"2025-06-16T16:27:09","date_gmt":"2025-06-16T14:27:09","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/nieskategoryzowane\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/"},"modified":"2026-09-14T12:03:23","modified_gmt":"2026-09-14T10:03:23","slug":"yabancilar-icin-saglik-sigortasi-neleri-kapsar-ve-neleri-kapsamaz","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/tr\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/","title":{"rendered":"Yabanc\u0131lar i\u00e7in sa\u011fl\u0131k sigortas\u0131 \u2013 neleri kaps\u0131yor, neleri kapsam\u0131yor?"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Sa\u011fl\u0131k sigortas\u0131 \u2013 yabanc\u0131lar i\u00e7in temel koruma<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sa\u011fl\u0131k sigortas\u0131, Polonya\u2019da ikamet eden her yabanc\u0131n\u0131n vazge\u00e7ilmez bir unsurdur. 2025 y\u0131l\u0131nda, hem ikamet izni ile ilgili resmi gereklilikler hem de sa\u011fl\u0131k hizmetlerinin artan maliyetleri nedeniyle bu sigortan\u0131n \u00f6nemi daha da artm\u0131\u015ft\u0131r. <a href=\"\/tr\/turizm-saglik-ve-is-hayati\/yabanci-uyruklu-kisilerin-vize-ve-oturma-izni-icin-gerekli-sigorta\/\">Yabanc\u0131lar i\u00e7in sa\u011fl\u0131k sigortas\u0131<\/a> \u00c7e\u015fitli bi\u00e7imler alabilir \u2013 ticari \u00f6zel sigorta poli\u00e7elerinden, Ulusal Sa\u011fl\u0131k Fonu\u2019ndaki g\u00f6n\u00fcll\u00fc sigortaya ve i\u015fverenler veya \u00fcniversiteler taraf\u0131ndan sa\u011flanan grup sigortas\u0131na kadar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Yabanc\u0131lar i\u00e7in sa\u011fl\u0131k sigortas\u0131 neleri kapsamaktad\u0131r?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Koruma kapsam\u0131, se\u00e7ilen poli\u00e7enin t\u00fcr\u00fcne ba\u011fl\u0131d\u0131r. Standart <a href=\"\/tr\/kilavuz\/ubezpieczenie-zdrowotne-kl-dla-cudzoziemcow-co-jest-i-kiedy-jest-wymagane\/\">yabanc\u0131lar i\u00e7in sa\u011fl\u0131k sigortas\u0131<\/a> \u015funlar\u0131 i\u00e7erir: \u2013 ayakta tedavi masraflar\u0131, \u2013 ani hastal\u0131k veya kaza durumunda hastaneye yat\u0131\u015f, \u2013 acil t\u0131bbi yard\u0131m, \u2013 re\u00e7eteli ila\u00e7 al\u0131m\u0131, \u2013 te\u015fhis testleri, \u2013 t\u0131bbi nakil veya \u00fclkesine geri g\u00f6nderme, \u2013 acil durumlarda di\u015f tedavisi, \u2013 24 saat yard\u0131m hizmeti (belirli poli\u00e7elerde).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Yabanc\u0131lar i\u00e7in sigorta poli\u00e7esi \u2013 en yayg\u0131n ek teminatlar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bir\u00e7ok sigorta \u015firketi, sigorta kapsam\u0131n\u0131 \u015fu alanlarla geni\u015fletme imk\u00e2n\u0131 sunmaktad\u0131r: \u2013 kaza sigortas\u0131 (NNW), \u2013 hukuki sorumluluk sigortas\u0131 (OC), \u2013 psikolojik destek, \u2013 hamilelik ve do\u011fum, \u2013 kronik hastal\u0131klar (ek \u00fccret kar\u015f\u0131l\u0131\u011f\u0131nda). Se\u00e7im yaparken <a href=\"\/tr\/kilavuz\/ubezpieczenie-dla-obcokrajowca-w-polsce-jak-dziala-i-ile-kosztuje\/\">yabanc\u0131 uyruklular i\u00e7in sigorta<\/a>, bu plan\u0131n s\u00f6z konusu ki\u015finin \u00f6zel ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131lay\u0131p kar\u015f\u0131lamad\u0131\u011f\u0131na dikkat etmek \u00f6nemlidir; \u00f6rne\u011fin, hamile ise, \u00fcniversite \u00f6\u011frencisi ise, fiziksel i\u015f yap\u0131yorsa veya uzun s\u00fcreli bir konaklama planl\u0131yorsa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Yabanc\u0131lar i\u00e7in sa\u011fl\u0131k sigortas\u0131 neleri kapsamaz?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hizmet kapsam\u0131 geni\u015f olmakla birlikte, \u00f6nemli istisnalar bulunmaktad\u0131r. 2025 y\u0131l\u0131nda \u00e7o\u011fu poli\u00e7e \u015funlar\u0131 kapsamamaktad\u0131r: \u2013 kronik hastal\u0131klar\u0131n tedavisi (ek teminat olmadan), \u2013 psikiyatri veya ba\u011f\u0131ml\u0131l\u0131k tedavisi, \u2013 planl\u0131 cerrahi m\u00fcdahaleler, \u2013 rehabilitasyon hizmetleri, \u2013 24. haftadan sonraki hamilelik (ek geni\u015fletme sat\u0131n al\u0131nmad\u0131k\u00e7a), \u2013 a\u011fr\u0131 durumlar\u0131 d\u0131\u015f\u0131ndaki di\u015f tedavileri, \u2013 salg\u0131n veya pandemi ile ilgili tedaviler (baz\u0131 poli\u00e7eler COVID-19\u2019u hari\u00e7 tutabilir), \u2013 kendi kendine yaralama, sava\u015f eylemleri ve ekstrem sporlardan kaynaklanan masraflar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">NFZ\u2019de g\u00f6n\u00fcll\u00fc sa\u011fl\u0131k sigortas\u0131 \u2013 kapsam ve s\u0131n\u0131rlamalar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/tr\/kilavuz\/yabancilar-icin-saglik-sigortasi-polonyaya-gelmeden-once-bilmeniz-gerekenler\/\">Yabanc\u0131lar i\u00e7in g\u00f6n\u00fcll\u00fc sa\u011fl\u0131k sigortas\u0131<\/a> NFZ kapsam\u0131nda kamu sa\u011fl\u0131k kurumlar\u0131na \u2013 birinci basamak sa\u011fl\u0131k hizmetleri, hastaneler, uzman poliklinikleri \u2013 eri\u015fim sa\u011flanmaktad\u0131r; ancak burada 30 g\u00fcnl\u00fck bekleme s\u00fcresi uygulanmaktad\u0131r ve baz\u0131 hizmetler (\u00f6rne\u011fin estetik t\u0131p, ortodonti) kapsam d\u0131\u015f\u0131d\u0131r. Ayr\u0131ca, AB s\u0131n\u0131rlar\u0131 i\u00e7indeki acil t\u0131bbi yard\u0131m hizmetleri ile men\u015fe \u00fclkeye nakil hizmetleri de kapsam d\u0131\u015f\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Yabanc\u0131 uyruklu \u00e7ocuklar\u0131n sa\u011fl\u0131k sigortas\u0131<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yabanc\u0131 uyruklu ki\u015filerin \u00e7ocuklar\u0131 da ge\u00e7erli bir <a href=\"\/tr\/kilavuz\/saglik-sigortasi-ikamet-karti-en-onemli-resmi-islemler\/\">oturma izni kart\u0131 i\u00e7in sa\u011fl\u0131k sigortas\u0131<\/a>, ebeveynin \u00f6zel sigortas\u0131 olup olmad\u0131\u011f\u0131na veya Ulusal Sa\u011fl\u0131k Fonu\u2019na (NFZ) kay\u0131tl\u0131 olup olmad\u0131\u011f\u0131na bak\u0131lmaks\u0131z\u0131n. B\u00f6yle bir g\u00fcvence bulunmamas\u0131, \u00e7ocuk doktoruna eri\u015fimde, okula veya bak\u0131m kurumlar\u0131na kabul edilmede sorunlara yol a\u00e7ar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">KL Sigortas\u0131 ile vize ve ikamet izni<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Poli\u00e7e <a href=\"\/tr\/kilavuz\/yabancilar-icin-kl-seyahat-sigortasi-ne-zaman-ve-neden-zorunludur\/\">yabanc\u0131lar i\u00e7in sa\u011fl\u0131k masraflar\u0131 sigortas\u0131<\/a> Vize ba\u015fvurusu (Schengen veya ulusal vize) yap\u0131l\u0131rken ve oturma izni ba\u015fvurusu s\u00fcrecinde zorunludur. Belirli \u015fartlar\u0131 yerine getirmesi gerekir: \u2013 asgari 30.000 EUR teminat tutar\u0131, \u2013 kurtarma ve hastane masraflar\u0131n\u0131n kar\u015f\u0131lanmas\u0131, \u2013 muafiyet olmamas\u0131, \u2013 Polonya veya AB\u2019yi kapsayan co\u011frafi kapsam, \u2013 \u00f6deme belgesi ve Leh\u00e7eye \u00e7eviri.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sigorta ve Polonya\u2019da \u00e7al\u0131\u015fma<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Polonya\u2019da yasal olarak \u00e7al\u0131\u015fan bir yabanc\u0131, i\u015fvereni taraf\u0131ndan ZUS\u2019a kaydedilmelidir; bu da tam kapsaml\u0131 sa\u011fl\u0131k hizmetlerinden yararlanma hakk\u0131 anlam\u0131na gelir. Ancak uygulamada bir\u00e7ok \u00e7al\u0131\u015fan \u2013 \u00f6zellikle mevsimlik \u00e7al\u0131\u015fanlar \u2013 sigortalanmamaktad\u0131r; bu nedenle kendi ba\u015f\u0131n\u0131za sigorta yapt\u0131rman\u0131zda fayda vard\u0131r. <a href=\"\/tr\/kilavuz\/ubezpieczenie-zdrowotne-dla-cudzoziemcow-w-polsce-kto-musi-je-miec-i-jak-je-uzyskac\/\">yabanc\u0131 uyruklular\u0131n sa\u011fl\u0131k sigortas\u0131<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Poli\u00e7enin gerekli teminatlar\u0131 kapsay\u0131p kapsamad\u0131\u011f\u0131n\u0131 nas\u0131l kontrol edebilirim?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Her zaman Genel Sigorta Ko\u015fullar\u0131n\u0131 (OWU) dikkatlice okumal\u0131 ve \u015funlardan emin olmal\u0131s\u0131n\u0131z: \u2013 sigorta tutar\u0131 yeterli olmal\u0131, \u2013 ya\u015f s\u0131n\u0131rlamas\u0131 bulunmad\u0131\u011f\u0131ndan, \u2013 sizin durumunuzu etkileyebilecek istisnalar bulunmad\u0131\u011f\u0131ndan, \u2013 tazminatlar\u0131n bekleme s\u00fcresi olmaks\u0131z\u0131n \u00f6denebilece\u011finden, \u2013 yard\u0131m hatt\u0131na \u0130ngilizce veya Ukraynaca olarak ula\u015f\u0131labildi\u011finden.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Yabanc\u0131lar i\u00e7in en iyi sa\u011fl\u0131k sigortas\u0131n\u0131 nereden sat\u0131n alabilirim?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En iyisi, Polonya resmi makamlar\u0131 taraf\u0131ndan kabul edilen yabanc\u0131lar i\u00e7in sa\u011fl\u0131k sigortalar\u0131n\u0131 i\u00e7eren, genel sigorta \u015fartlar\u0131n\u0131n \u00e7evirilerini sunan ve \u00e7evrimi\u00e7i sat\u0131n alma imk\u00e2n\u0131 sa\u011flayan teklif kar\u015f\u0131la\u015ft\u0131rma sitelerini kullanmakt\u0131r. Ayr\u0131ca, m\u00fc\u015fteri hizmetlerinin yan\u0131t s\u00fcresine, internet \u00fczerinden hasar bildiriminde bulunma imk\u00e2n\u0131na ve m\u00fc\u015fteri hizmetlerinin kapsam\u0131na da dikkat etmekte fayda vard\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sigorta se\u00e7iminde en s\u0131k kar\u015f\u0131la\u015f\u0131lan tuzaklar ve hatalar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u2013 kurtarma hizmeti i\u00e7ermeyen en ucuz poli\u00e7enin se\u00e7ilmesi, \u2013 \u00fclkeye t\u0131bbi nakil hizmetinin olmamas\u0131, \u2013 poli\u00e7enin sadece birka\u00e7 g\u00fcn ge\u00e7erli olmas\u0131, \u2013 belgelerin sadece \u0130ngilizce olmas\u0131, \u2013 Leh\u00e7e dilinde Genel Sigorta \u015eartlar\u0131\u2019n\u0131n bulunmamas\u0131 (resmi kurumlar ba\u015fvuruyu reddediyor).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Neden geni\u015fletilmi\u015f koruma yapt\u0131rmak faydal\u0131d\u0131r?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Uzun s\u00fcreli konaklama, fiziksel i\u015f, araba kullanma veya rekreasyonel sporlar yapmay\u0131 planlayan ki\u015filer, sigorta kapsam\u0131n\u0131 sorumluluk sigortas\u0131, kaza sigortas\u0131 ve psikolojik destek ile geni\u015fletmeyi d\u00fc\u015f\u00fcnmelidir. Bu, olas\u0131 maliyetlere k\u0131yasla \u00e7ok k\u00fc\u00e7\u00fck bir ek \u00fccrettir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Gelmeden \u00f6nce sigorta yapt\u0131rmak m\u00fcmk\u00fcn m\u00fc?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Evet \u2013 ve bu kesinlikle tavsiye edilir. S\u0131n\u0131r\u0131 ge\u00e7meden \u00f6nce yapt\u0131r\u0131lan sa\u011fl\u0131k sigortas\u0131, kal\u0131\u015f\u0131n\u0131z\u0131n ilk g\u00fcn\u00fcnden itibaren koruma sa\u011flar ve genellikle daha iyi mali ko\u015fullar sunar. \u00dcstelik, bu sigorta S\u0131n\u0131r Muhaf\u0131zlar\u0131 ve konsolosluklar taraf\u0131ndan zorunlu tutulmaktad\u0131r.<\/p>","protected":false},"excerpt":{"rendered":"<p>Sa\u011fl\u0131k sigortas\u0131, Polonya\u2019da ikamet eden her yabanc\u0131n\u0131n vazge\u00e7ilmez bir unsurdur. 2025 y\u0131l\u0131nda, hem ikamet izni ile ilgili resmi gereklilikler hem de sa\u011fl\u0131k hizmetlerinin artan maliyetleri nedeniyle \u00f6nemi daha da artm\u0131\u015ft\u0131r. Yabanc\u0131lar i\u00e7in sa\u011fl\u0131k sigortas\u0131 \u015fu \u015fekillerde olabilir:<\/p>","protected":false},"author":1,"featured_media":3748,"comment_status":"closed","ping_status":"","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":[46],"tags":[65,66,63,64,62],"class_list":["post-3858","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ciekawostki-ubezpieczeniowe","tag-karta-pobytu","tag-nfz","tag-ubezpieczenie-dla-cudzoziemcow","tag-ubezpieczenie-kl","tag-ubezpieczenie-zdrowotne"],"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 medyczne dla obcokrajowc\u00f3w \u2013 co obejmuje i czego nie pok<\/title>\n<meta name=\"description\" content=\"Ubezpieczenie medyczne \u2013 podstawowa ochrona dla cudzoziemc\u00f3w Ubezpieczenie medyczne to niezb\u0119dny element pobytu ka\u017cdego cudzoziemca w Polsce. W 2025 roku jego z\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/polisarium.pl\/tr\/kilavuz\/sigorta-ile-ilgili-ilginc-bilgiler\/yabancilar-icin-saglik-sigortasi-neleri-kapsar-ve-neleri-kapsamaz\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ubezpieczenie medyczne dla obcokrajowc\u00f3w \u2013 co obejmuje i czego nie pokrywa?\" \/>\n<meta property=\"og:description\" content=\"Ubezpieczenie medyczne \u2013 podstawowa ochrona dla cudzoziemc\u00f3w Ubezpieczenie medyczne to niezb\u0119dny element pobytu ka\u017cdego cudzoziemca w Polsce. W 2025 roku jego z\" \/>\n<meta property=\"og:url\" content=\"https:\/\/polisarium.pl\/tr\/kilavuz\/sigorta-ile-ilgili-ilginc-bilgiler\/yabancilar-icin-saglik-sigortasi-neleri-kapsar-ve-neleri-kapsamaz\/\" \/>\n<meta property=\"og:site_name\" content=\"Polisarium - TANIE UBEZPIECZENIA OC AC tel.: 22 299 11 11\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/POLISARIUM\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-16T14:27:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-14T10:03:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Yazan:\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tahmini okuma s\u00fcresi\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 dakika\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/#\\\/schema\\\/person\\\/c659ae0a7599f1b7652d1a26acb78783\"},\"headline\":\"Ubezpieczenie medyczne dla obcokrajowc\u00f3w \u2013 co obejmuje i czego nie pokrywa?\",\"datePublished\":\"2025-06-16T14:27:09+00:00\",\"dateModified\":\"2026-09-14T10:03:23+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/\"},\"wordCount\":814,\"publisher\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp\",\"keywords\":[\"karta pobytu\",\"NFZ\",\"ubezpieczenie dla cudzoziemc\u00f3w\",\"ubezpieczenie KL\",\"ubezpieczenie zdrowotne\"],\"articleSection\":[\"Ciekawostki ubezpieczeniowe\"],\"inLanguage\":\"tr\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/\",\"name\":\"Ubezpieczenie medyczne dla obcokrajowc\u00f3w \u2013 co obejmuje i czego nie pok\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp\",\"datePublished\":\"2025-06-16T14:27:09+00:00\",\"dateModified\":\"2026-09-14T10:03:23+00:00\",\"description\":\"Ubezpieczenie medyczne \u2013 podstawowa ochrona dla cudzoziemc\u00f3w Ubezpieczenie medyczne to niezb\u0119dny element pobytu ka\u017cdego cudzoziemca w Polsce. W 2025 roku jego z\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/#breadcrumb\"},\"inLanguage\":\"tr\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/polisarium.pl\\\/tr\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"tr\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/#primaryimage\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp\",\"contentUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp\",\"width\":1536,\"height\":1024},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/poradnik\\\/ciekawostki-ubezpieczeniowe\\\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Strona g\u0142\u00f3wna\",\"item\":\"https:\\\/\\\/polisarium.pl\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Ubezpieczenie medyczne dla obcokrajowc\u00f3w \u2013 co obejmuje i czego nie pokrywa?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/#website\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/\",\"name\":\"Polisarium\",\"description\":\"Ubezpieczenia online - samochod, dom, zdrowie, turystyka, firma\",\"publisher\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"tr\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/#organization\",\"name\":\"Polisarium sp. z o.o.\",\"alternateName\":\"Polisarium\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"tr\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/logo.webp\",\"contentUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/logo.webp\",\"width\":244,\"height\":68,\"caption\":\"Polisarium sp. z o.o.\"},\"image\":{\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/POLISARIUM\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/tr\\\/#\\\/schema\\\/person\\\/c659ae0a7599f1b7652d1a26acb78783\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"tr\",\"@id\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/litespeed\\\/avatar\\\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238\",\"url\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/litespeed\\\/avatar\\\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238\",\"contentUrl\":\"https:\\\/\\\/polisarium.pl\\\/wp-content\\\/litespeed\\\/avatar\\\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238\",\"caption\":\"admin\"},\"sameAs\":[\"https:\\\/\\\/polisarium.pl\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Yabanc\u0131lar i\u00e7in sa\u011fl\u0131k sigortas\u0131 \u2013 neleri kapsar ve neleri kapsamaz?","description":"Sa\u011fl\u0131k sigortas\u0131 \u2013 yabanc\u0131lar i\u00e7in temel koruma Sa\u011fl\u0131k sigortas\u0131, Polonya\u2019da ikamet eden her yabanc\u0131n\u0131n vazge\u00e7ilmez bir unsurdur. 2025 y\u0131l\u0131nda bunun","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/polisarium.pl\/tr\/kilavuz\/sigorta-ile-ilgili-ilginc-bilgiler\/yabancilar-icin-saglik-sigortasi-neleri-kapsar-ve-neleri-kapsamaz\/","og_locale":"tr_TR","og_type":"article","og_title":"Ubezpieczenie medyczne dla obcokrajowc\u00f3w \u2013 co obejmuje i czego nie pokrywa?","og_description":"Ubezpieczenie medyczne \u2013 podstawowa ochrona dla cudzoziemc\u00f3w Ubezpieczenie medyczne to niezb\u0119dny element pobytu ka\u017cdego cudzoziemca w Polsce. W 2025 roku jego z","og_url":"https:\/\/polisarium.pl\/tr\/kilavuz\/sigorta-ile-ilgili-ilginc-bilgiler\/yabancilar-icin-saglik-sigortasi-neleri-kapsar-ve-neleri-kapsamaz\/","og_site_name":"Polisarium - TANIE UBEZPIECZENIA OC AC tel.: 22 299 11 11","article_publisher":"https:\/\/www.facebook.com\/POLISARIUM","article_published_time":"2025-06-16T14:27:09+00:00","article_modified_time":"2026-09-14T10:03:23+00:00","og_image":[{"width":1536,"height":1024,"url":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp","type":"image\/webp"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Yazan:":"admin","Tahmini okuma s\u00fcresi":"4 dakika"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/polisarium.pl\/tr\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/#article","isPartOf":{"@id":"https:\/\/polisarium.pl\/tr\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/"},"author":{"name":"admin","@id":"https:\/\/polisarium.pl\/tr\/#\/schema\/person\/c659ae0a7599f1b7652d1a26acb78783"},"headline":"Ubezpieczenie medyczne dla obcokrajowc\u00f3w \u2013 co obejmuje i czego nie pokrywa?","datePublished":"2025-06-16T14:27:09+00:00","dateModified":"2026-09-14T10:03:23+00:00","mainEntityOfPage":{"@id":"https:\/\/polisarium.pl\/tr\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/"},"wordCount":814,"publisher":{"@id":"https:\/\/polisarium.pl\/tr\/#organization"},"image":{"@id":"https:\/\/polisarium.pl\/tr\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/#primaryimage"},"thumbnailUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp","keywords":["karta pobytu","NFZ","ubezpieczenie dla cudzoziemc\u00f3w","ubezpieczenie KL","ubezpieczenie zdrowotne"],"articleSection":["Ciekawostki ubezpieczeniowe"],"inLanguage":"tr"},{"@type":"WebPage","@id":"https:\/\/polisarium.pl\/tr\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/","url":"https:\/\/polisarium.pl\/tr\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/","name":"Yabanc\u0131lar i\u00e7in sa\u011fl\u0131k sigortas\u0131 \u2013 neleri kapsar ve neleri kapsamaz?","isPartOf":{"@id":"https:\/\/polisarium.pl\/tr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/polisarium.pl\/tr\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/#primaryimage"},"image":{"@id":"https:\/\/polisarium.pl\/tr\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/#primaryimage"},"thumbnailUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp","datePublished":"2025-06-16T14:27:09+00:00","dateModified":"2026-09-14T10:03:23+00:00","description":"Sa\u011fl\u0131k sigortas\u0131 \u2013 yabanc\u0131lar i\u00e7in temel koruma Sa\u011fl\u0131k sigortas\u0131, Polonya\u2019da ikamet eden her yabanc\u0131n\u0131n vazge\u00e7ilmez bir unsurdur. 2025 y\u0131l\u0131nda bunun","breadcrumb":{"@id":"https:\/\/polisarium.pl\/tr\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/#breadcrumb"},"inLanguage":"tr","potentialAction":[{"@type":"ReadAction","target":["https:\/\/polisarium.pl\/tr\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/"]}]},{"@type":"ImageObject","inLanguage":"tr","@id":"https:\/\/polisarium.pl\/tr\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/#primaryimage","url":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp","contentUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_medyczne_dla_obcokrajowcow.webp","width":1536,"height":1024},{"@type":"BreadcrumbList","@id":"https:\/\/polisarium.pl\/tr\/poradnik\/ciekawostki-ubezpieczeniowe\/ubezpieczenie-medyczne-dla-obcokrajowcow-co-obejmuje-i-czego-nie-pokrywa\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Strona g\u0142\u00f3wna","item":"https:\/\/polisarium.pl\/"},{"@type":"ListItem","position":2,"name":"Ubezpieczenie medyczne dla obcokrajowc\u00f3w \u2013 co obejmuje i czego nie pokrywa?"}]},{"@type":"WebSite","@id":"https:\/\/polisarium.pl\/tr\/#website","url":"https:\/\/polisarium.pl\/tr\/","name":"Polisarium","description":"\u00c7evrimi\u00e7i sigortalar - araba, ev, sa\u011fl\u0131k, seyahat, i\u015fletme","publisher":{"@id":"https:\/\/polisarium.pl\/tr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/polisarium.pl\/tr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"tr"},{"@type":"Organization","@id":"https:\/\/polisarium.pl\/tr\/#organization","name":"Polisarium Ltd. \u015eti.","alternateName":"Polisarium","url":"https:\/\/polisarium.pl\/tr\/","logo":{"@type":"ImageObject","inLanguage":"tr","@id":"https:\/\/polisarium.pl\/tr\/#\/schema\/logo\/image\/","url":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/10\/logo.webp","contentUrl":"https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/10\/logo.webp","width":244,"height":68,"caption":"Polisarium sp. z o.o."},"image":{"@id":"https:\/\/polisarium.pl\/tr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/POLISARIUM"]},{"@type":"Person","@id":"https:\/\/polisarium.pl\/tr\/#\/schema\/person\/c659ae0a7599f1b7652d1a26acb78783","name":"admin","image":{"@type":"ImageObject","inLanguage":"tr","@id":"https:\/\/polisarium.pl\/wp-content\/litespeed\/avatar\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238","url":"https:\/\/polisarium.pl\/wp-content\/litespeed\/avatar\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238","contentUrl":"https:\/\/polisarium.pl\/wp-content\/litespeed\/avatar\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793449238","caption":"admin"},"sameAs":["https:\/\/polisarium.pl"]}]}},"taxonomy_info":{"category":[{"value":46,"label":"Ciekawostki ubezpieczeniowe"}],"post_tag":[{"value":65,"label":"karta pobytu"},{"value":66,"label":"NFZ"},{"value":63,"label":"ubezpieczenie dla cudzoziemc\u00f3w"},{"value":64,"label":"ubezpieczenie KL"},{"value":62,"label":"ubezpieczenie zdrowotne"}]},"featured_image_src_large":["https:\/\/polisarium.pl\/wp-content\/uploads\/2026\/07\/ubezpieczenie_medyczne_dla_obcokrajowcow-1024x683.webp",1024,683,true],"author_info":{"display_name":"admin","author_link":"https:\/\/polisarium.pl\/tr\/author\/poliseo\/"},"comment_info":0,"category_info":[{"term_id":46,"name":"Ciekawostki ubezpieczeniowe","slug":"ciekawostki-ubezpieczeniowe","term_group":0,"term_taxonomy_id":46,"taxonomy":"category","description":"Ciekawostki i praktyczne wskaz\u00f3wki ze \u015bwiata ubezpiecze\u0144: jak dzia\u0142aj\u0105 polisy, na co zwr\u00f3ci\u0107 uwag\u0119 przy wyborze i jakie obowi\u0105zki maj\u0105 ubezpieczeni, tak\u017ce cudzoziemcy mieszkaj\u0105cy w Polsce. Kr\u00f3tko i bez \u017cargonu, \u017ceby \u0142atwiej by\u0142o podj\u0105\u0107 dobr\u0105 decyzj\u0119.","parent":0,"count":18,"filter":"raw","cat_ID":46,"category_count":18,"category_description":"Ciekawostki i praktyczne wskaz\u00f3wki ze \u015bwiata ubezpiecze\u0144: jak dzia\u0142aj\u0105 polisy, na co zwr\u00f3ci\u0107 uwag\u0119 przy wyborze i jakie obowi\u0105zki maj\u0105 ubezpieczeni, tak\u017ce cudzoziemcy mieszkaj\u0105cy w Polsce. Kr\u00f3tko i bez \u017cargonu, \u017ceby \u0142atwiej by\u0142o podj\u0105\u0107 dobr\u0105 decyzj\u0119.","cat_name":"Ciekawostki ubezpieczeniowe","category_nicename":"ciekawostki-ubezpieczeniowe","category_parent":0}],"tag_info":[{"term_id":65,"name":"karta pobytu","slug":"karta-pobytu","term_group":0,"term_taxonomy_id":65,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: karta pobytu, w tym \u201eBez ubezpieczenia ani rusz \u2013 jak cudzoziemcy mog\u0105 legalnie korzysta\u0107 z leczenia w Polsce?\u201d.","parent":0,"count":97,"filter":"raw"},{"term_id":66,"name":"NFZ","slug":"nfz","term_group":0,"term_taxonomy_id":66,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: NFZ, w tym \u201eBez ubezpieczenia ani rusz \u2013 jak cudzoziemcy mog\u0105 legalnie korzysta\u0107 z leczenia w Polsce?\u201d.","parent":0,"count":63,"filter":"raw"},{"term_id":63,"name":"ubezpieczenie dla cudzoziemc\u00f3w","slug":"ubezpieczenie-dla-cudzoziemcow","term_group":0,"term_taxonomy_id":63,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: ubezpieczenie dla cudzoziemc\u00f3w, w tym \u201eBez ubezpieczenia ani rusz \u2013 jak cudzoziemcy mog\u0105 legalnie korzysta\u0107 z lecze","parent":0,"count":100,"filter":"raw"},{"term_id":64,"name":"ubezpieczenie KL","slug":"ubezpieczenie-kl","term_group":0,"term_taxonomy_id":64,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: ubezpieczenie KL, w tym \u201eBez ubezpieczenia ani rusz \u2013 jak cudzoziemcy mog\u0105 legalnie korzysta\u0107 z leczenia w Polsce?\u201d","parent":0,"count":78,"filter":"raw"},{"term_id":62,"name":"ubezpieczenie zdrowotne","slug":"ubezpieczenie-zdrowotne","term_group":0,"term_taxonomy_id":62,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: ubezpieczenie zdrowotne, w tym \u201eBez ubezpieczenia ani rusz \u2013 jak cudzoziemcy mog\u0105 legalnie korzysta\u0107 z leczenia w P","parent":0,"count":101,"filter":"raw"}],"_links":{"self":[{"href":"https:\/\/polisarium.pl\/tr\/wp-json\/wp\/v2\/posts\/3858","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/polisarium.pl\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/polisarium.pl\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/polisarium.pl\/tr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/polisarium.pl\/tr\/wp-json\/wp\/v2\/comments?post=3858"}],"version-history":[{"count":1,"href":"https:\/\/polisarium.pl\/tr\/wp-json\/wp\/v2\/posts\/3858\/revisions"}],"predecessor-version":[{"id":4000,"href":"https:\/\/polisarium.pl\/tr\/wp-json\/wp\/v2\/posts\/3858\/revisions\/4000"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/polisarium.pl\/tr\/wp-json\/wp\/v2\/media\/3748"}],"wp:attachment":[{"href":"https:\/\/polisarium.pl\/tr\/wp-json\/wp\/v2\/media?parent=3858"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/polisarium.pl\/tr\/wp-json\/wp\/v2\/categories?post=3858"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/polisarium.pl\/tr\/wp-json\/wp\/v2\/tags?post=3858"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}