{"id":521361,"date":"2022-10-09T07:42:46","date_gmt":"2022-10-09T04:42:46","guid":{"rendered":"https:\/\/arantv.az\/?p=521361"},"modified":"2022-10-09T07:42:46","modified_gmt":"2022-10-09T04:42:46","slug":"h%c9%99kiml%c9%99rd%c9%99n-tibbi-sigortaya-etinasizliq-arasdirma","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=521361","title":{"rendered":"H\u0259kiml\u0259rd\u0259n tibbi s\u0131\u011fortaya etinas\u0131zl\u0131q &#8211; ARA\u015eDIRMA"},"content":{"rendered":"<p>As\u0259f qula\u011f\u0131nda problem yarand\u0131\u011f\u0131 \u00fc\u00e7\u00fcn h\u0259kim\u0259 m\u00fcraci\u0259t edib. D\u00f6vl\u0259t x\u0259st\u0259xanalar\u0131nda \u201cd\u0259rdi\u201d tap\u0131lmad\u0131\u011f\u0131 \u00fc\u00e7\u00fcn \u00f6z\u0259l\u0259 \u00fcz tutub. Apar\u0131lan testl\u0259r, m\u00fcayin\u0259l\u0259rd\u0259n sonra \u0259m\u0259liyyat olunmas\u0131n\u0131n vacibliyi vur\u011fulan\u0131b. \u018fm\u0259liyyat\u0131n \u0130cbari Tibbi S\u0131\u011forta x\u0259tti il\u0259 etm\u0259yin m\u00fcmk\u00fcnl\u00fcy\u00fcn\u00fc soru\u015fduqda is\u0259, h\u0259kim \u00fcmumiyy\u0259tl\u0259, s\u0131\u011forta il\u0259 edil\u0259n \u0259m\u0259liyyatlardan imtina etdiyini bildirib. S\u0259b\u0259b kimi \u00f6d\u0259nil\u0259n m\u0259bl\u0259\u011fin az olmas\u0131 v\u0259 bu az m\u0259bl\u0259\u011fin d\u0259 3 aya k\u00f6\u00e7\u00fcr\u00fclm\u0259sini g\u00f6st\u0259rib.<\/p>\n<p>Bu \u015fikay\u0259tl\u0259 ba\u011fl\u0131\u00a0<a href=\"https:\/\/kaspi.az\/hekimlerden-tibbi-sigortaya-etinasizliq-arasdirma\" target=\"_blank\" rel=\"noopener\"><strong>\u201cKaspi\u201d<\/strong><\/a>\u00a0q\u0259zeti ara\u015fd\u0131rma apar\u0131b.<\/p>\n<div class=\"AdviadNativeVideo\"><\/div>\n<p>M\u0259lum oldu ki, \u00f6z\u0259l klinikalarda s\u0131\u011forta il\u0259 \u0259m\u0259liyyatdan imtina ed\u0259n h\u0259kiml\u0259r az deyil. \u00c7\u00fcnki s\u00f6z\u00fcged\u0259n klinikalarda edil\u0259n \u0259m\u0259liyyatlara g\u00f6r\u0259 \u00f6d\u0259nil\u0259n m\u0259bl\u0259\u011f na\u011fd \u00f6d\u0259m\u0259 il\u0259 edil\u0259n \u0259m\u0259liyyatlarla m\u00fcqayis\u0259d\u0259 azd\u0131r v\u0259 h\u0259kim d\u0259 haql\u0131 olaraq x\u0259rcl\u0259rini \u00e7\u0131xarmad\u0131\u011f\u0131 \u00fc\u00e7\u00fcn bundan imtina edir. Amma bu, h\u0259r \u0259m\u0259liyyata aid deyil. \u0130cbari Tibbi S\u0131\u011forta \u00fczr\u0259 D\u00f6vl\u0259t Agentliyinin sayt\u0131nda yay\u0131mlanan qiym\u0259tl\u0259rd\u0259n ayd\u0131n olur ki, onlar\u0131n aras\u0131nda k\u0259skin f\u0259rql\u0259r var. \u018fm\u0259liyyata \u00f6d\u0259nil\u0259n m\u0259bl\u0259\u011f pasiyentin s\u0131\u011fortadan \u00f6nc\u0259 \u00f6d\u0259diyi m\u0259bl\u0259\u011f\u0259 yax\u0131n olduqda, h\u0259kim problem etmir. Az olduqda is\u0259 h\u0259kiml\u0259 pasiyent aras\u0131ndak\u0131 ba\u011f q\u0131r\u0131l\u0131r.<\/p>\n<p>\u0130cbari Tibbi S\u0131\u011forta \u00fczr\u0259 D\u00f6vl\u0259t Agentliyind\u0259n \u201cKaspi\u201dy\u0259 veril\u0259n m\u0259lumata g\u00f6r\u0259, tibbi xidm\u0259tin d\u0259y\u0259ri Agentlikl\u0259 m\u00fcqavil\u0259 ba\u011flam\u0131\u015f tibb m\u00fc\u0259ssis\u0259sin\u0259 m\u00fcvafiq tarifl\u0259r\u0259 uy\u011fun olaraq \u00f6d\u0259nilir: \u201cHaz\u0131rda v\u0259t\u0259nda\u015flara icbari tibbi s\u0131\u011fortan\u0131n Xidm\u0259tl\u0259r Z\u0259rfi \u00e7\u0259r\u00e7iv\u0259sind\u0259 3500-d\u0259n art\u0131q diaqnozu \u0259hat\u0259 ed\u0259n 2550 sayda tibbi xidm\u0259t g\u00f6st\u0259rilir. Xidm\u0259tl\u0259r Z\u0259rfin\u0259 daxil olan tibbi xidm\u0259tl\u0259r v\u0259 onlar\u0131n tarifl\u0259ri Nazirl\u0259r Kabinetinin 2020-ci il 10 yanvar tarixli 5 n\u00f6mr\u0259li q\u0259rar\u0131 il\u0259 t\u0259sdiq edilib. \u00a0Xidm\u0259tl\u0259r Z\u0259rfin\u0259 daxil olan tibbi xidm\u0259tl\u0259rin siyah\u0131s\u0131 v\u0259 tibbi xidm\u0259tl\u0259rin tarifl\u0259ri bu q\u0259rar\u0131n \u0259lav\u0259sin\u0259 uy\u011fun olaraq m\u00fc\u0259yy\u0259n edilir\u201d.<\/p>\n<p>Sosial sah\u0259 \u00fczr\u0259 ekspert \u0130lqar H\u00fcseynli\u00a0d\u0259 t\u0259sdiql\u0259yir ki, \u00f6z\u0259l klinikalarda h\u0259kiml\u0259rin t\u0259minat\u0131 tam \u00f6d\u0259nilmir: \u201cH\u0259r bir h\u0259kimin imzalad\u0131\u011f\u0131 m\u0259n\u0259vi sazi\u015f var. Bu, Hippokrat and\u0131d\u0131r. H\u0259kiml\u0259r kritik situasiyada, ist\u0259nil\u0259n \u015f\u0259rtl\u0259r daxilind\u0259 x\u0259st\u0259y\u0259 tibbi yard\u0131m\u0131n\u0131 v\u0259 m\u00fcdaxil\u0259sini etm\u0259lidir. Amma bu, o dem\u0259k deyil ki, biz h\u0259kiml\u0259rin b\u00fct\u00fcn h\u00fcquqlar\u0131n\u0131 k\u0259nara ataq v\u0259 onlar\u0131n and i\u00e7m\u0259sind\u0259n yap\u0131\u015faq ki, \u00f6hd\u0259lik g\u00f6t\u00fcrm\u00fcs\u00fcn\u00fcz v\u0259 bunu etm\u0259lisiniz. M\u00fc\u0259yy\u0259n olunmu\u015f \u0259m\u0259liyyatlar\u0131n ciddi m\u0259suliyy\u0259t y\u00fck\u00fc olmas\u0131na baxmayaraq, h\u0259kiml\u0259rin t\u0259minat\u0131 tam \u00f6d\u0259nilmir. Tibbi s\u0131\u011fortadan ayr\u0131lan v\u0259saitl\u0259r b\u0259zi \u0259m\u0259liyyat\u0131n qar\u015f\u0131s\u0131nda ki\u00e7ik h\u0259cmlidir. \u00dcst\u0259lik, pul h\u0259kim\u0259 2-3 ay sonra \u00f6d\u0259nir. H\u0259kimin h\u00fcququdur ki, m\u00fc\u0259yy\u0259n m\u0259s\u0259l\u0259l\u0259ri obyektiv \u015f\u0259kild\u0259 g\u00f6st\u0259r\u0259r\u0259k, \u0259m\u0259liyyatdan imtina etsin. \u0130st\u0259nil\u0259n halda, c\u0259miyy\u0259td\u0259 m\u00fc\u0259yy\u0259n kateqoriyas\u0131 olan, ciddi n\u00fcfuza sahib olan h\u0259kiml\u0259rin maliyy\u0259 t\u0259minatlar\u0131n\u0131 qurmaq laz\u0131md\u0131r ki, onlarla pasiyent aras\u0131nda bu tipli m\u00fcnaqi\u015f\u0259l\u0259r yaranmas\u0131n. M\u0259\u015fhur h\u0259kiml\u0259rin h\u0259mi\u015f\u0259 \u00e7oxlu x\u0259st\u0259si olur. Buna g\u00f6r\u0259 d\u0259 onlar maddi t\u0259minatlar\u0131n\u0131 tam \u00f6d\u0259y\u0259n x\u0259st\u0259l\u0259ri q\u0259bul edirl\u0259r\u201d.<\/p>\n<p>V\u0259ziyy\u0259td\u0259n \u00e7\u0131x\u0131\u015f yoluna g\u0259ldikd\u0259 is\u0259, m\u00fct\u0259x\u0259ssis d\u00fc\u015f\u00fcn\u00fcr ki, x\u0259st\u0259liyin paketi standart olmal\u0131d\u0131r: \u201c\u0130st\u0259r c\u0259rrahi, ist\u0259r kardioloji, ist\u0259rs\u0259 d\u0259 dig\u0259r tibbi xidm\u0259tl\u0259rin h\u0259r bir paketi real tibb bazar\u0131na uy\u011funla\u015fd\u0131r\u0131lmal\u0131d\u0131r. D\u00f6vl\u0259t v\u0259 \u00f6z\u0259l klinika f\u0259rqi olmamal\u0131d\u0131r. Paket o q\u0259d\u0259r standart olmal\u0131d\u0131r ki, h\u0259kimin imtina etm\u0259sin\u0259 s\u0259b\u0259b olmas\u0131n. X\u0259st\u0259 bir \u0259m\u0259liyyata adi qaydada n\u0259 q\u0259d\u0259r \u00f6d\u0259yirdis\u0259, s\u0131\u011forta da onu qar\u015f\u0131lamal\u0131d\u0131r. M\u0259s\u0259l\u0259n, s\u0131\u011fortadan \u00f6nc\u0259, korba\u011f\u0131rsaq \u0259m\u0259liyyat\u0131nda pasiyent c\u0259rraha 200 (r\u0259q\u0259ml\u0259r \u015f\u0259rtidir) manat \u00f6d\u0259yirdis\u0259, h\u0259min c\u0259rrah\u0131n bu \u0259m\u0259liyyat\u0131 bu g\u00fcn s\u0131\u011forta il\u0259 50 manata etm\u0259si d\u00fczg\u00fcn deyil. \u0130cbari tibbi s\u0131\u011forta el\u0259 bir t\u0259minat yaratmal\u0131d\u0131r ki, he\u00e7 olmasa 150 manat\u0131 \u00e7ats\u0131n. B\u00fct\u00fcn riskl\u0259r, \u0259m\u0259liyyatdan sonra yaranan f\u0259sadlar c\u0259rrah v\u0259 anestezioloqun boynuna qal\u0131rsa, onlar da bu m\u0259bl\u0259\u011fd\u0259n imtina edir\u201d.<\/p>\n<p>Ekspert vur\u011fulay\u0131r ki, d\u00f6vl\u0259t yaxud \u00f6z\u0259l sektorda \u00e7al\u0131\u015fan h\u0259kiml\u0259rin h\u0259r ay\u0131n sonunda g\u00f6st\u0259rdiyi xidm\u0259tin pulu \u00f6d\u0259nm\u0259lidir: \u201cH\u0259kiml\u0259rin bir qismi \u00f6d\u0259ni\u015fin 2-3 aya \u00f6d\u0259ndiyini deyirl\u0259r. H\u0259kimin xidm\u0259t haqq\u0131 h\u0259r ay\u0131n sonunda t\u0259qdim olunmal\u0131d\u0131r. B\u00fcdc\u0259 normal x\u0259rcl\u0259nm\u0259lidir. H\u0259kim il\u0259 x\u0259st\u0259ni qar\u015f\u0131-qar\u015f\u0131ya qoymaq olmaz\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As\u0259f qula\u011f\u0131nda problem yarand\u0131\u011f\u0131 \u00fc\u00e7\u00fcn h\u0259kim\u0259 m\u00fcraci\u0259t edib. D\u00f6vl\u0259t x\u0259st\u0259xanalar\u0131nda \u201cd\u0259rdi\u201d tap\u0131lmad\u0131\u011f\u0131 \u00fc\u00e7\u00fcn \u00f6z\u0259l\u0259 \u00fcz tutub. Apar\u0131lan testl\u0259r, m\u00fcayin\u0259l\u0259rd\u0259n sonra \u0259m\u0259liyyat olunmas\u0131n\u0131n vacibliyi vur\u011fulan\u0131b. \u018fm\u0259liyyat\u0131n \u0130cbari Tibbi S\u0131\u011forta x\u0259tti il\u0259 etm\u0259yin m\u00fcmk\u00fcnl\u00fcy\u00fcn\u00fc soru\u015fduqda is\u0259, h\u0259kim \u00fcmumiyy\u0259tl\u0259, s\u0131\u011forta il\u0259 edil\u0259n \u0259m\u0259liyyatlardan imtina etdiyini bildirib. S\u0259b\u0259b kimi \u00f6d\u0259nil\u0259n m\u0259bl\u0259\u011fin az olmas\u0131 v\u0259 bu az m\u0259bl\u0259\u011fin d\u0259 3 aya k\u00f6\u00e7\u00fcr\u00fclm\u0259sini g\u00f6st\u0259rib. Bu \u015fikay\u0259tl\u0259 ba\u011fl\u0131\u00a0\u201cKaspi\u201d\u00a0q\u0259zeti ara\u015fd\u0131rma apar\u0131b. M\u0259lum oldu ki, \u00f6z\u0259l klinikalarda s\u0131\u011forta il\u0259 \u0259m\u0259liyyatdan imtina ed\u0259n h\u0259kiml\u0259r az deyil. \u00c7\u00fcnki s\u00f6z\u00fcged\u0259n klinikalarda edil\u0259n \u0259m\u0259liyyatlara g\u00f6r\u0259 \u00f6d\u0259nil\u0259n m\u0259bl\u0259\u011f na\u011fd \u00f6d\u0259m\u0259 il\u0259 edil\u0259n \u0259m\u0259liyyatlarla m\u00fcqayis\u0259d\u0259&hellip;<\/p>\n","protected":false},"author":2,"featured_media":521362,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[1],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/10\/hlHMbTM0gqdeTBUJPKNGgpQHq3HaAtiKpwOHbwzH.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/10\/hlHMbTM0gqdeTBUJPKNGgpQHq3HaAtiKpwOHbwzH.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/10\/hlHMbTM0gqdeTBUJPKNGgpQHq3HaAtiKpwOHbwzH.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/10\/hlHMbTM0gqdeTBUJPKNGgpQHq3HaAtiKpwOHbwzH-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/10\/hlHMbTM0gqdeTBUJPKNGgpQHq3HaAtiKpwOHbwzH-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/10\/hlHMbTM0gqdeTBUJPKNGgpQHq3HaAtiKpwOHbwzH.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/10\/hlHMbTM0gqdeTBUJPKNGgpQHq3HaAtiKpwOHbwzH.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/10\/hlHMbTM0gqdeTBUJPKNGgpQHq3HaAtiKpwOHbwzH.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/10\/hlHMbTM0gqdeTBUJPKNGgpQHq3HaAtiKpwOHbwzH-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/10\/hlHMbTM0gqdeTBUJPKNGgpQHq3HaAtiKpwOHbwzH.jpg",620,413,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/arantv.az\/?cat=1\" rel=\"category\">C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"As\u0259f qula\u011f\u0131nda problem yarand\u0131\u011f\u0131 \u00fc\u00e7\u00fcn h\u0259kim\u0259 m\u00fcraci\u0259t edib. D\u00f6vl\u0259t x\u0259st\u0259xanalar\u0131nda \u201cd\u0259rdi\u201d tap\u0131lmad\u0131\u011f\u0131 \u00fc\u00e7\u00fcn \u00f6z\u0259l\u0259 \u00fcz tutub. Apar\u0131lan testl\u0259r, m\u00fcayin\u0259l\u0259rd\u0259n sonra \u0259m\u0259liyyat olunmas\u0131n\u0131n vacibliyi vur\u011fulan\u0131b. \u018fm\u0259liyyat\u0131n \u0130cbari Tibbi S\u0131\u011forta x\u0259tti il\u0259 etm\u0259yin m\u00fcmk\u00fcnl\u00fcy\u00fcn\u00fc soru\u015fduqda is\u0259, h\u0259kim \u00fcmumiyy\u0259tl\u0259, s\u0131\u011forta il\u0259 edil\u0259n \u0259m\u0259liyyatlardan imtina etdiyini bildirib. S\u0259b\u0259b kimi \u00f6d\u0259nil\u0259n m\u0259bl\u0259\u011fin az olmas\u0131 v\u0259 bu az m\u0259bl\u0259\u011fin d\u0259 3&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/521361"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=521361"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/521361\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/521362"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=521361"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=521361"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=521361"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}