{"id":4690,"date":"2009-03-03T15:48:02","date_gmt":"2009-03-03T13:48:02","guid":{"rendered":"http:\/\/www.korhanyilmaz.com\/?p=4690"},"modified":"2009-03-03T15:48:02","modified_gmt":"2009-03-03T13:48:02","slug":"issiz-kalana-2500-tl-maas","status":"publish","type":"post","link":"http:\/\/www.korhanyilmaz.com\/?p=4690","title":{"rendered":"\u0130\u015fsiz kalana 2500 TL maa\u015f"},"content":{"rendered":"

\"\u0130\u015fsiz<\/p>\n

Nas\u0131l m\u0131? \u0130\u015fte yan\u0131t\u0131…<\/strong><\/p>\n

\u0130\u015fsiz kalma korkusu, \u00f6zel sigorta \u015firketlerinin i\u015fsizlik sigortas\u0131 \u00fcr\u00fcnlerine talepte b\u00fcy\u00fck art\u0131\u015f yaratt\u0131.<\/p>\n

Bu sigorta ile, ayda 10 TL \u00f6derseniz 6 ay boyunca 320, ayda 31 TL \u00f6derseniz ise 1.000 TL \u00f6zel i\u015fsizlik maa\u015f\u0131 alma hakk\u0131na sahip oluyorsunuz. Garanti Emeklilik 2009’un ilk 2 ay\u0131nda ge\u00e7en y\u0131l\u0131n tamam\u0131n\u0131 a\u015farak 140 bin ki\u015fiye i\u015fsizlik sigortas\u0131 satt\u0131.<\/p>\n

K\u00fcresel ekonomik krizin \u00f6zellikle beyaz yakal\u0131larda yaratt\u0131\u011f\u0131 travma, \u00f6zel i\u015fsizlik sigortalar\u0131na talebi patlatt\u0131. Krizle birlikte h\u0131zla b\u00fcy\u00fcyen bu pazar\u0131n hakimi konumunda olan Garanti Emeklilik, 2009 y\u0131l\u0131n\u0131n ilk 2 ay\u0131nda 140 bin ki\u015fiye i\u015fsizlik sigortas\u0131 satt\u0131. Garanti Emeklilik Genel M\u00fcd\u00fcr\u00fc Erhan Adal\u0131 i\u015fsizlik sigortas\u0131 \u00fcr\u00fcn\u00fcn\u00fc satmaya 2008 y\u0131l\u0131n\u0131n May\u0131s ay\u0131nda ba\u015flad\u0131klar\u0131n\u0131 ve ge\u00e7en y\u0131l\u0131n tamam\u0131nda 130 bin ki\u015fiye \u00fcr\u00fcn satt\u0131klar\u0131n\u0131 s\u00f6yledi. Adal\u0131, “2009 y\u0131l\u0131 Ocak ve \u015eubat ay\u0131nda ise bu rakam 140 bini buldu. Yani bu y\u0131l\u0131n sadece ilk iki ay\u0131nda ge\u00e7ti\u011fimiz y\u0131l\u0131n \u00fczerinde i\u015fsizlik sigortas\u0131 satt\u0131k” dedi. Adal\u0131, i\u015fsizlik sigortas\u0131 \u00fcr\u00fcn\u00fcne ilginin artarak devam etmesini bekledi\u011fini a\u00e7\u0131klad\u0131. <\/p>\n

3 ay prim \u00f6demek yeterli<\/strong><\/p>\n

Garanti Emeklilik, i\u015fsizlik ek teminatl\u0131 3 hayat \u00fcr\u00fcn\u00fc sunuyor: Gelir g\u00fcvencesi, kredi \u00f6deme g\u00fcvencesi ve kredi kart\u0131 \u00f6deme g\u00fcvencesi. \u00dc\u00e7 \u00fcr\u00fcn\u00fcn de en \u00f6nemli kriteri sigortan\u0131n al\u0131nd\u0131\u011f\u0131 tarihten sonra 120 g\u00fcn \u00e7al\u0131\u015fmak, yani en az 3 ay prim \u00f6demek ve en az 6 ayd\u0131r ayn\u0131 i\u015fyerinde \u00e7al\u0131\u015f\u0131yor olmak.<\/p>\n

Bu ko\u015fullara sahip olanlar, almak istedikleri prime uygun bir ayl\u0131k \u00f6deme yap\u0131yor. 1.500-2.149 TL aras\u0131 ayl\u0131k geliri olanlara, ayl\u0131k 1.000 TL i\u015fsizlik \u00f6demesi yap\u0131lan paket \u00f6neriliyor. Ayda 1.000 TL i\u015fsizlik maa\u015f\u0131 almak isteyen ayl\u0131k 31 TL prim \u00f6d\u00fcyor.<\/p>\n

Ayl\u0131k 10 TL prim \u00f6deyen sigortal\u0131, i\u015fsiz kal\u0131rsa 320 TL al\u0131yor. Ayl\u0131k 78 TL prim \u00f6deyenlerin i\u015fsizlik maa\u015f\u0131 ise 2 bin 500 TL’ye \u00e7\u0131k\u0131yor.<\/p>\n

Sigortaya en az 3 ay prim \u00f6deyen ve daha sonra iste\u011fi d\u0131\u015f\u0131nda i\u015fsiz kalanlar en fazla 6 ay i\u015fsizlik maa\u015f\u0131 alabiliyor. Sigorta kapsam\u0131nda vefat ve kaza sonucu maluliyet durumlar\u0131nda ise bir kerede 10 maa\u015f veriliyor.<\/p>\n

Garanti Emeklilik kapsam\u0131nda, i\u015fsiz kal\u0131nd\u0131\u011f\u0131nda mortgage ve ta\u015f\u0131t kredilerinin \u00f6denmesini sa\u011flayan Kredi \u00d6deme G\u00fcvencesi Sigortas\u0131 da bulunuyor. Bu \u00fcr\u00fcn kapsam\u0131nda da i\u015fsiz kal\u0131nmas\u0131 halinde kredi taksitleri bir y\u0131ldan uzun vadeli kredilerde maksimum 12 aya kadar \u00f6deniyor.<\/p>\n

Kart borcunu kapat\u0131yor<\/strong><\/p>\n

Krizle birlikte \u00e7ok \u00f6nemli bir talep alan bir di\u011fer sigorta ise Kredi Kart\u0131 \u00d6deme G\u00fcvencesi Sigortas\u0131. Bu sigorta kapsam\u0131nda i\u015fsiz kalanlar\u0131n kredi kart\u0131 bor\u00e7lar\u0131n\u0131 \u00f6dediklerini anlatan Garanti Emeklilik Genel M\u00fcd\u00fcr\u00fc Erhan Adal\u0131 ayn\u0131 zamanda hayat sigortas\u0131 da verdiklerini s\u00f6yledi. Bu sigorta kapsam\u0131nda maksimum 10 bin TL kredi kart\u0131 limiti olan bir ki\u015fi, ayl\u0131k kredi kart\u0131 bakiyesinin y\u00fczde 1’i kadar bir prim \u00f6dedi\u011finde, iste\u011fi d\u0131\u015f\u0131nda i\u015fsiz kal\u0131rsa i\u015fsiz kalmadan \u00f6nceki son ekstresindeki bor\u00e7, sigorta taraf\u0131ndan tek seferde tamamen kapat\u0131l\u0131yor.<\/p>\n

Talebin % 40’\u0131 \u0130stanbul’dan… <\/strong><\/p>\n

GARANT\u0130 Emeklilik Genel M\u00fcd\u00fcr\u00fc Adal\u0131, i\u015fsizlik kabusunun en \u00e7ok \u0130stanbul’da ya\u015fand\u0131\u011f\u0131n\u0131 ortaya koyan \u015fu bilgileri verdi: “2009 y\u0131l\u0131 ba\u015f\u0131ndan itibaren i\u015fsizlik sigortas\u0131 talebinin y\u00fczde 40’a yak\u0131n\u0131 \u0130stanbul’dan geliyor. Ankara, y\u00fczde 8’le ikinci s\u0131rada, \u00fc\u00e7\u00fcnc\u00fc s\u0131rada ise \u0130zmir geliyor. \u0130\u015fsizlik sigortas\u0131na talepte \u0130zmir’i Antalya, Bursa, Kocaeli, Adana ve Konya izliyor.”<\/p>\n

Asgari \u00fccret yetmez diyenler ‘\u00f6zel’e gidiyor<\/strong><\/p>\n

Halen devletin sundu\u011fu i\u015fsizlik sigortas\u0131 kapsam\u0131nda \u015fartlara uygun olanlar i\u015fini kaybetti\u011finde net asgari \u00fccret olan 527 TL’yi a\u015fmayan bir maa\u015f al\u0131yor. Ancak bu rakam, i\u015fsizlik kabusunu yok etmeye yetmiyor. Bu nedenle pek \u00e7ok beyaz yakal\u0131 \u00f6zel sigortaya y\u00f6neliyor. \u0130\u015fsizlik ba\u015fvurular\u0131 Ocak’ta ge\u00e7en y\u0131l\u0131n ayn\u0131 ay\u0131na g\u00f6re y\u00fczde 94.9 artm\u0131\u015f \u0130\u015fsizlik Sigortas\u0131 Fonu’ndan 244 bin 359 ki\u015fiye \u00f6deme yap\u0131lm\u0131\u015ft\u0131.<\/p>\n

HSBC i\u015fsiz kalan\u0131n kredi kart borcunun yar\u0131s\u0131n\u0131 siliyor<\/strong><\/p>\n

HSBC Bank’\u0131n G\u00fcvenli C\u00fczdan Sigortas\u0131’na talep de son d\u00f6nemde \u00f6nemli bir art\u0131\u015f ya\u015f\u0131yor. Sigorta kapsam\u0131nda ‘\u0130stek D\u0131\u015f\u0131 \u0130\u015fsizlik Teminat\u0131’ alanlar\u0131n, i\u015fsiz kald\u0131klar\u0131 tarihten bir g\u00fcn \u00f6nceki HSBC Kredi Kart\u0131 bor\u00e7 bakiyesinin yar\u0131s\u0131 teminat limitleri dahilinde siliniyor.<\/p>\n

\u00d6rne\u011fin 10 bin TL’lik teminata sahip ki\u015fi bug\u00fcn i\u015ften \u00e7\u0131kar\u0131ld\u0131. \u00d6nceki g\u00fcn itibar\u0131yla toplam kredi kart\u0131 borcu 18 bin TL ise 9 bin TL’si sigorta kapsam\u0131nda \u00f6deniyor. G\u00fcvenli C\u00fczdan sigortas\u0131n\u0131n i\u015fsizlik teminatl\u0131 haline 325.50 TL’den ba\u015flayan fiyatlarla sahip olmak m\u00fcmk\u00fcn.<\/p>\n

Kaynak : Vatan Gazetesi<\/span><\/p>\n

\n","protected":false},"excerpt":{"rendered":"

\n

Nas\u0131l m\u0131? \u0130\u015fte yan\u0131t\u0131…<\/p>\n

\u0130\u015fsiz kalma korkusu, \u00f6zel sigorta \u015firketlerinin i\u015fsizlik sigortas\u0131 \u00fcr\u00fcnlerine talepte b\u00fcy\u00fck art\u0131\u015f yaratt\u0131.<\/p>\n

Bu sigorta ile, ayda 10 TL \u00f6derseniz 6 ay boyunca 320, ayda 31 TL \u00f6derseniz ise 1.000 TL \u00f6zel i\u015fsizlik maa\u015f\u0131 alma hakk\u0131na sahip oluyorsunuz. Garanti Emeklilik 2009’un ilk <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-4690","post","type-post","status-publish","format-standard","hentry","category-ekonomi","odd"],"_links":{"self":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/4690","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4690"}],"version-history":[{"count":0,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/4690\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4690"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4690"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4690"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}