{"id":835409,"date":"2025-11-29T10:10:07","date_gmt":"2025-11-29T06:10:07","guid":{"rendered":"https:\/\/arantv.az\/?p=835409"},"modified":"2025-11-29T10:10:07","modified_gmt":"2025-11-29T06:10:07","slug":"icbari-tibbi-sigortadaki-yenilik-m%c9%99sgulluga-nec%c9%99-t%c9%99sir-gost%c9%99r%c9%99c%c9%99k","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=835409","title":{"rendered":"\u0130cbari tibbi s\u0131\u011fortadak\u0131 yenilik m\u0259\u015f\u011fullu\u011fa nec\u0259 t\u0259sir g\u00f6st\u0259r\u0259c\u0259k?"},"content":{"rendered":"
\n

Ekspert\u0259 g\u00f6r\u0259, imtiyazl\u0131 \u015f\u0259rtl\u0259rl\u0259 x\u0131rda torpaq pay\u00e7\u0131lar\u0131n\u0131n s\u0131\u011fortas\u0131n\u0131 d\u00f6vl\u0259t subsidiyala\u015fd\u0131rmal\u0131d\u0131r<\/strong><\/p>\n

Az\u0259rbaycanda \u0259m\u0259k qabiliyy\u0259tli olub i\u015fl\u0259m\u0259y\u0259n \u015f\u0259xsl\u0259rin icbari tibbi s\u0131\u011fortadan k\u0259narda qalmas\u0131 g\u00f6zl\u0259nilir. H\u00f6kum\u0259tin q\u0259bul etdiyi q\u0259rara \u0259sas\u0259n, 2026-c\u0131 ild\u0259n etibar\u0259n bel\u0259 \u015f\u0259xsl\u0259r ayda 16 manat \u00f6d\u0259m\u0259s\u0259l\u0259r, pulsuz tibbi xidm\u0259td\u0259n yararlana bilm\u0259y\u0259c\u0259kl\u0259r.<\/p>\n

Bu yenilik \u00f6lk\u0259d\u0259 ciddi m\u00fczakir\u0259l\u0259r\u0259 s\u0259b\u0259b olub. Bir qisim i\u015fsiz \u015f\u0259xsl\u0259rin ayda 16 manat\u0131 \u00f6d\u0259m\u0259k imkan\u0131nda olmayacaqlar\u0131n\u0131 bildirirl\u0259r. Bir qisim is\u0259 bildirir ki, i\u015fsiz say\u0131lan \u015f\u0259xsl\u0259rin \u00e7oxu faktiki olaraq r\u0259smil\u0259\u015fdirilm\u0259d\u0259n i\u015fl\u0259yir.<\/p>\n

R\u0259smi izahata \u0259sas\u0259n bu add\u0131m\u0131n \u0259sas m\u0259qs\u0259di insanlar\u0131 \u0259m\u0259k m\u00fcqavil\u0259si il\u0259 i\u015fl\u0259m\u0259y\u0259 s\u00f6vq etm\u0259kdir: Pulsuz tibbi xidm\u0259t almaq ist\u0259y\u0259n \u015f\u0259xsl\u0259r qeyri-r\u0259smi i\u015fl\u0259dikl\u0259ri yerl\u0259rd\u0259 \u0259m\u0259k m\u00fcnasib\u0259tl\u0259rinin r\u0259smil\u0259\u015fdirilm\u0259sind\u0259 maraql\u0131 olacaqlar. Lakin ekspertl\u0259r\u0259 g\u00f6r\u0259, bu add\u0131m \u0259m\u0259k m\u00fcqavil\u0259l\u0259rinin a\u011fard\u0131lmas\u0131 bax\u0131m\u0131ndan ciddi effekt verm\u0259y\u0259c\u0259k. \u0130qtisad\u00e7\u0131-ekspert R\u00f6v\u015f\u0259n A\u011fayevin dediyin\u0259 g\u00f6r\u0259, yeni model \u0259n az\u0131 4 milyon n\u0259f\u0259r\u0259 yax\u0131n insan\u0131 icbari tibbi s\u0131\u011forta mexanizmind\u0259n k\u0259narda qoyacaq: \u201cBura \u0259m\u0259k m\u00fcqavil\u0259si v\u0259 m\u00fclki-h\u00fcquqi xarakterli m\u00fcqavil\u0259l\u0259rl\u0259 i\u015fl\u0259m\u0259y\u0259n, sahibkar kimi qeydiyyatda olmayan \u0259m\u0259k qabiliyy\u0259tli ya\u015fda (15-65 ya\u015f) \u0259hali, ba\u015fqa yerd\u0259 r\u0259smi \u00f6d\u0259ni\u015fli olmayan, ad\u0131na pay torpa\u011f\u0131 olan, lakin b\u0259l\u0259diyy\u0259l\u0259rd\u0259 ail\u0259 k\u0259ndli t\u0259s\u0259rr\u00fcfat\u0131 kimi u\u00e7ota al\u0131nmayan \u0259m\u0259k qabiliyy\u0259tli ya\u015fda \u0259m\u0259k qabiliyy\u0259tli ya\u015fda \u0259hali. Bu \u0259hali kateqoriyas\u0131n\u0131n say\u0131 3 milyon n\u0259f\u0259r\u0259 yax\u0131nd\u0131r.<\/p>\n

Daha bir qrup m\u00fcxt\u0259lif s\u0259b\u0259bl\u0259r\u0259 i\u015f\u00e7i q\u00fcvv\u0259sin\u0259 daxil olmayan \u0259m\u0259k qabiliyy\u0259tli ya\u015fda sa\u011flam \u0259halidir. Bura ev i\u015fl\u0259rini yerin\u0259 yetir\u0259n, ail\u0259 \u00fczvl\u0259rin\u0259 qulluq ed\u0259n evdar qad\u0131nlar, i\u015f tapma\u011fa \u00fcmidini itirdiiy \u00fc\u00e7\u00fcn r\u0259smi kanallarla i\u015f axtarma\u011f\u0131 dayand\u0131ran v\u0259 i\u015fsiz kimi qeydiyyatdan ke\u00e7m\u0259y\u0259n insanlar daxildir. Bu \u0259hali qruplar\u0131na is\u0259 1 milyon n\u0259f\u0259r\u0259 yax\u0131n insan daxildir”.\u00a0<\/strong><\/p>\n

Ekspert\u0259 g\u00f6r\u0259, i\u015f yerl\u0259rinin m\u0259hdudlu\u011fu \u015f\u0259raitind\u0259 i\u015f\u00e7inin i\u015f\u0259g\u00f6t\u00fcr\u0259nd\u0259n r\u0259smi \u0259m\u0259k m\u00fcqavil\u0259si t\u0259l\u0259b etm\u0259si m\u00fcmk\u00fcn deyil: \u201cAz\u0259rbaycanda y\u00fcks\u0259k ixtisasl\u0131 \u0259m\u0259k t\u0259l\u0259b ed\u0259n i\u015f yerl\u0259ri \u00e7ox az yaran\u0131r. \u018fsas\u0259n ixtisass\u0131z \u0259m\u0259yin, x\u00fcsusi pe\u015f\u0259 bacar\u0131qlar\u0131 t\u0259l\u0259b etm\u0259y\u0259n i\u015f yerl\u0259ri yaran\u0131r, real i\u015fsizlik s\u0259viyy\u0259si \u00e7ox y\u00fcks\u0259kdir v\u0259 sahibkarlar bel\u0259 v\u0259ziyy\u0259td\u0259 ist\u0259dikl\u0259ri \u015f\u0259rtl\u0259ri diqt\u0259 ed\u0259 bilirl\u0259r. Qeyri-formal m\u0259\u015f\u011fulluq \u0259sas\u0259n azxtisasl\u0131 v\u0259 ixtisass\u0131z \u0259m\u0259k \u00fc\u00e7\u00fcn xarakterik olan iqtisadi fenomendir\u201d.<\/p>\n

R.A\u011fayev qon\u015fu \u00f6lk\u0259l\u0259rin t\u0259cr\u00fcb\u0259sini misal kimi t\u0259qdim edir: \u201cG\u00fcr\u00fcstanda universal modeldir. Y\u0259ni m\u0259\u015f\u011fulluq statusundan v\u0259 s\u0131\u011forta \u00f6d\u0259m\u0259l\u0259rind\u0259n as\u0131l\u0131 olmayaraq b\u00fct\u00fcn v\u0259t\u0259nda\u015flar tibbi s\u0131\u011forta al\u0131r.<\/p>\n

T\u00fcrkiy\u0259d\u0259 d\u0259 bizd\u0259ki kimi qeyri-formal m\u0259\u015f\u011ful olanlar \u00fc\u00e7\u00fcn \u00f6zl\u0259rini s\u0131\u011forta etdirm\u0259l\u0259ri t\u0259l\u0259bi var. Y\u0259ni r\u0259smi g\u0259liri olmayan v\u0259 tibbi s\u0131\u011forta \u00f6d\u0259m\u0259y\u0259n \u015f\u0259xsl\u0259r \u00f6zl\u0259rini s\u0131\u011fortalatmal\u0131d\u0131rlar. Amma burda \u00e7ox vacib bir detal var: g\u0259lirl\u0259rin yoxlanmas\u0131 sistemi adamba\u015f\u0131na g\u0259lir s\u0259viyy\u0259sin\u0259 \u0259sas\u0259n ail\u0259l\u0259r yoxsul kateqoriyas\u0131na aid edilirs\u0259, bu \u015f\u0259xsl\u0259rin tibbi s\u0131\u011fortas\u0131n\u0131 d\u00f6vl\u0259t subsidiyala\u015fd\u0131r\u0131r. \u018fn son m\u0259lumata g\u00f6r\u0259 \u0259halinin t\u0259xmin\u0259n 15 faizinin bu imtiyazdan yararland\u0131\u011f\u0131 deyilir.\u00a0<\/strong><\/p>\n

T\u00fcrkiy\u0259d\u0259 qeyri-formal sektorun pay\u0131 da Az\u0259rbaycandan az qala 2 d\u0259f\u0259 a\u015fa\u011f\u0131d\u0131r. Ona g\u00f6r\u0259 d\u0259 h\u0259m \u00f6zl\u0259rinin, h\u0259m d\u0259 d\u00f6vl\u0259t hesab\u0131na s\u0131\u011fortalanan \u0259hali \u00fcmumi \u0259halinin 85 faizin\u0259 yax\u0131nd\u0131r. Y\u0259ni T\u00fcrkiy\u0259d\u0259 universal model olmasa da, sistem daha inkl\u00fczivdir”.<\/p>\n

Ekspert hesab edir ki, Az\u0259rbaycanda da \u00e7ox \u015f\u0259ffaf g\u0259lir v\u0259 m\u0259\u015f\u011fulluq \u00f6l\u00e7\u00fclm\u0259si sistemi yarad\u0131la, ger\u00e7\u0259k azt\u0259minatl\u0131 ail\u0259l\u0259r m\u00fc\u0259yy\u0259n oluna\u00a0 bil\u0259r. Daha sonra bel\u0259 ail\u0259l\u0259rin \u00fczvl\u0259ri s\u0131\u011forta t\u0259minat\u0131n\u0131 d\u00f6vl\u0259td\u0259n alarlar.<\/p>\n

Yeni tibbi s\u0131\u011forta modeli say\u01311,5 milyon n\u0259f\u0259r\u0259 yax\u0131n olan k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 torpaqlar\u0131n\u0131n pay\u00e7\u0131lar\u0131na da problem yaradacaq: \u201cBu kateqoriyadan olan 100 minl\u0259rl\u0259 insan\u0131n \u0259sas v\u0259 yegan\u0259 i\u015f yeri el\u0259 pay torpaqlar\u0131d\u0131r. Onlar \u00f6lk\u0259nin \u0259rzaq (h\u0259m d\u0259 milli) t\u0259hl\u00fck\u0259sizliyinin s\u00fctunudur.\u00a0 Bel\u0259 bir strateji sah\u0259nin a\u011f\u0131rl\u0131\u011f\u0131n\u0131 da\u015f\u0131yan n\u0259h\u0259ng i\u015f\u00e7i ordusu icbari t\u0131bb\u0131 s\u0131\u011forta mexanizmind\u0259n k\u0259narda qal\u0131r. \u00c7\u00fcnki qanunvericiliy\u0259 g\u00f6r\u0259, pay torpaqlar\u0131n\u0131n yerl\u0259\u015fdiyi \u0259razinin b\u0259l\u0259diyy\u0259sind\u0259 ail\u0259 k\u0259ndli t\u0259s\u0259rr\u00fcfat\u0131 kimi u\u00e7ota al\u0131nmayan fermerl\u0259r avtomatik olaraq qeyri-formal m\u0259\u015f\u011ful \u0259hali kateqoriyas\u0131na d\u00fc\u015f\u00fcr.<\/p>\n

Tibbi s\u0131\u011forta haqq\u0131nda qanunda ayr\u0131ca olaraq torpaq pay\u00e7\u0131lar\u0131 s\u0131\u011forta \u00f6d\u0259yici kimi n\u0259z\u0259rd\u0259 tutulmay\u0131b. Halbuki pensiya s\u0131\u011fortas\u0131nda bu yana\u015fma var v\u0259 torpaq m\u00fclkiyy\u0259t\u00e7il\u0259ri torpa\u011f\u0131n keyfiyy\u0259t kateqoriyas\u0131ndan as\u0131l\u0131 olaraq minimum \u0259m\u0259k haqq\u0131na nisb\u0259tl\u0259 pensiya s\u0131\u011fortas\u0131 \u00f6d\u0259yirl\u0259r”.\u00a0<\/strong><\/p>\n

Ekspert\u0259 g\u00f6r\u0259, imtiyazl\u0131 \u015f\u0259rtl\u0259rl\u0259 x\u0131rda torpaq pay\u00e7\u0131lar\u0131n\u0131n s\u0131\u011fortas\u0131n\u0131 d\u00f6vl\u0259t subsidiyala\u015fd\u0131rmal\u0131d\u0131r: \u201cEl\u0259 bu yax\u0131nlarda \u00f6lk\u0259nin k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 naziri dedi ki, Az\u0259rbaycanda bir t\u0259s\u0259rr\u00fcfata orta hesabla 1,7 hektar torpaq d\u00fc\u015f\u00fcr v\u0259 bu ail\u0259nin dolanmas\u0131 \u00fc\u00e7\u00fcn q\u0259tiyy\u0259n kifay\u0259t deyil. O daha uza\u011fa ged\u0259r\u0259k \u0259lav\u0259 etmi\u015fdi ki, fermer ail\u0259sinin dolan\u0131\u015f\u0131\u011f\u0131 \u00fc\u00e7\u00fcn az\u0131 9 hektar torpa\u011fa sahib olmal\u0131d\u0131r.<\/p>\n

\u0130ndi \u00f6z\u00fcn\u00fc doland\u0131ra bilm\u0259y\u0259n bu q\u0259d\u0259r b\u00f6y\u00fck sayda insan\u0131n sa\u011flaml\u0131\u011f\u0131n\u0131 qorumaq m\u0259suliyy\u0259tini onlar\u0131n boynuna atmaq olarm\u0131? Sa\u011flaml\u0131q m\u0259s\u0259l\u0259si d\u0259 \u0259rzaq t\u0259minat\u0131 kimi strateji v\u0259 milli t\u0259hl\u00fck\u0259sizlik m\u0259s\u0259l\u0259sidir…<\/p>\n

Yeri g\u0259lmi\u015fk\u0259n, bir \u00e7ox \u00f6lk\u0259l\u0259rd\u0259 d\u00f6vl\u0259t b\u00fct\u00fcn s\u0259hiyy\u0259 xidm\u0259tl\u0259rin\u0259 m\u00fcnasib\u0259td\u0259 universal s\u0131\u011forta modeli t\u0259tbiq etm\u0259s\u0259 d\u0259, minimum xidm\u0259tl\u0259r paketi t\u0259qdim edir, istisnas\u0131z olaraq b\u00fct\u00fcn v\u0259t\u0259nda\u015flar h\u0259min paketi ala bilir.\u00a0 Az\u0259rbaycanda da bel\u0259 paket t\u0259qdim olunacaqm\u0131?”<\/p>\n

Yaz\u0131n\u0131 haz\u0131rlad\u0131: D\u00fcnya SAK\u0130T<\/strong><\/p>\n<\/div>\n

<\/div>\n
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Ekspert\u0259 g\u00f6r\u0259, imtiyazl\u0131 \u015f\u0259rtl\u0259rl\u0259 x\u0131rda torpaq pay\u00e7\u0131lar\u0131n\u0131n s\u0131\u011fortas\u0131n\u0131 d\u00f6vl\u0259t subsidiyala\u015fd\u0131rmal\u0131d\u0131r Az\u0259rbaycanda \u0259m\u0259k qabiliyy\u0259tli olub i\u015fl\u0259m\u0259y\u0259n \u015f\u0259xsl\u0259rin icbari tibbi s\u0131\u011fortadan k\u0259narda qalmas\u0131 g\u00f6zl\u0259nilir. H\u00f6kum\u0259tin q\u0259bul etdiyi q\u0259rara \u0259sas\u0259n, 2026-c\u0131 ild\u0259n etibar\u0259n bel\u0259 \u015f\u0259xsl\u0259r ayda 16 manat \u00f6d\u0259m\u0259s\u0259l\u0259r, pulsuz tibbi xidm\u0259td\u0259n yararlana bilm\u0259y\u0259c\u0259kl\u0259r. Bu yenilik \u00f6lk\u0259d\u0259 ciddi m\u00fczakir\u0259l\u0259r\u0259 s\u0259b\u0259b olub. Bir qisim i\u015fsiz \u015f\u0259xsl\u0259rin ayda 16 manat\u0131 \u00f6d\u0259m\u0259k imkan\u0131nda olmayacaqlar\u0131n\u0131 bildirirl\u0259r. Bir qisim is\u0259 bildirir ki, i\u015fsiz say\u0131lan \u015f\u0259xsl\u0259rin \u00e7oxu faktiki olaraq r\u0259smil\u0259\u015fdirilm\u0259d\u0259n i\u015fl\u0259yir. R\u0259smi izahata \u0259sas\u0259n bu add\u0131m\u0131n \u0259sas m\u0259qs\u0259di insanlar\u0131 \u0259m\u0259k m\u00fcqavil\u0259si il\u0259 i\u015fl\u0259m\u0259y\u0259 s\u00f6vq etm\u0259kdir: Pulsuz tibbi xidm\u0259t almaq…<\/p>\n","protected":false},"author":2,"featured_media":835410,"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\/2025\/11\/7443adc0e38a39fbe18b81cc1932ce7b.jpg",620,400,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/7443adc0e38a39fbe18b81cc1932ce7b.jpg",620,400,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/7443adc0e38a39fbe18b81cc1932ce7b.jpg",620,400,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/7443adc0e38a39fbe18b81cc1932ce7b-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/7443adc0e38a39fbe18b81cc1932ce7b-566x365.jpg",566,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/7443adc0e38a39fbe18b81cc1932ce7b.jpg",620,400,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/7443adc0e38a39fbe18b81cc1932ce7b.jpg",620,400,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/7443adc0e38a39fbe18b81cc1932ce7b.jpg",620,400,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/7443adc0e38a39fbe18b81cc1932ce7b-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/11\/7443adc0e38a39fbe18b81cc1932ce7b.jpg",620,400,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"Ekspert\u0259 g\u00f6r\u0259, imtiyazl\u0131 \u015f\u0259rtl\u0259rl\u0259 x\u0131rda torpaq pay\u00e7\u0131lar\u0131n\u0131n s\u0131\u011fortas\u0131n\u0131 d\u00f6vl\u0259t subsidiyala\u015fd\u0131rmal\u0131d\u0131r Az\u0259rbaycanda \u0259m\u0259k qabiliyy\u0259tli olub i\u015fl\u0259m\u0259y\u0259n \u015f\u0259xsl\u0259rin icbari tibbi s\u0131\u011fortadan k\u0259narda qalmas\u0131 g\u00f6zl\u0259nilir. H\u00f6kum\u0259tin q\u0259bul etdiyi q\u0259rara \u0259sas\u0259n, 2026-c\u0131 ild\u0259n etibar\u0259n bel\u0259 \u015f\u0259xsl\u0259r ayda 16 manat \u00f6d\u0259m\u0259s\u0259l\u0259r, pulsuz tibbi xidm\u0259td\u0259n yararlana bilm\u0259y\u0259c\u0259kl\u0259r. Bu yenilik \u00f6lk\u0259d\u0259 ciddi m\u00fczakir\u0259l\u0259r\u0259 s\u0259b\u0259b olub. 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