{"id":59848,"date":"2018-02-28T09:47:53","date_gmt":"2018-02-28T05:47:53","guid":{"rendered":""},"modified":"-0001-11-30T00:00:00","modified_gmt":"-0001-11-29T20:00:00","slug":"","status":"publish","type":"post","link":"https:\/\/ucnoqta.az\/?p=59848","title":{"rendered":"\u201cTibbi s\u0131\u011forta il\u0259 ba\u011fl\u0131 h\u0259r bir xidm\u0259t m\u00fcqavil\u0259miz unikald\u0131r\u201d"},"content":{"rendered":"

“AtaS\u0131\u011forta” ASC-nin Tibbi v\u0259 S\u0259yah\u0259t s\u0131\u011fortas\u0131 departamentinin direktoru Rozaliya Sad\u0131qova: “H\u0259r bir \u015firk\u0259t üçün mü\u015ft\u0259rinin f\u0259aliyy\u0259t xüsusiyy\u0259tl\u0259rinin, t\u0259l\u0259batlar\u0131n\u0131n v\u0259 büdc\u0259 imkanlar\u0131n\u0131n n\u0259z\u0259r\u0259 al\u0131nmas\u0131 il\u0259 f\u0259rdi proqram haz\u0131rlan\u0131r”<\/strong><\/p>\n

Bu gün h\u0259r bir c\u0259miyy\u0259tin h\u0259yat\u0131nda, insanlar\u0131n sa\u011flaml\u0131\u011f\u0131n\u0131n qorunmas\u0131nda v\u0259 t\u0259min edilm\u0259sind\u0259 tibbi s\u0131\u011fortan\u0131n müst\u0259sna \u0259h\u0259miyy\u0259ti var. O cüml\u0259d\u0259n, Az\u0259rbaycan c\u0259miyy\u0259ti üçün d\u0259 tibbi s\u0131\u011forta amili olduqca aktuald\u0131r. Bu bar\u0259d\u0259 suallar\u0131m\u0131z\u0131 “AtaS\u0131\u011forta” ASC-nin Tibbi v\u0259 S\u0259yah\u0259t s\u0131\u011fortas\u0131 departamentinin direktoru Rozaliya Sad\u0131qova cavabland\u0131r\u0131r. 12 ild\u0259n art\u0131qd\u0131r ki, tibbi s\u0131\u011forta il\u0259 m\u0259\u015f\u011ful olan, ixtisasca kardioloq Rozaliya xan\u0131m, t\u0259msil etdiyi qurumun bu sah\u0259d\u0259 göst\u0259rdiyi xidm\u0259tl\u0259r, h\u0259mçinin  tibbi s\u0131\u011fortan\u0131n bir s\u0131ra vacib m\u0259qamlar\u0131 v\u0259 inc\u0259likl\u0259ri il\u0259 ba\u011fl\u0131 fikirl\u0259rini bildirdi.<\/p>\n

– Rozaliya xan\u0131m, tibbi s\u0131\u011forta n\u0259dir v\u0259 onun \u0259h\u0259miyy\u0259tini nec\u0259 qiym\u0259tl\u0259ndirirsiniz?<\/strong>
\n– Sa\u011flaml\u0131\u011f\u0131n insan üçün \u0259n mühüm amil oldu\u011funu n\u0259z\u0259r\u0259 alsaq, tibbi s\u0131\u011fortan\u0131n çox \u0259h\u0259miyy\u0259tli bir s\u0131\u011forta növu oldu\u011fu üz\u0259 ç\u0131x\u0131r. \u0130nsan q\u0259fil bir x\u0259st\u0259likl\u0259 üzl\u0259\u015f\u0259nd\u0259, h\u0259m maddi, h\u0259m m\u0259n\u0259vi c\u0259h\u0259td\u0259n yard\u0131ma, gözl\u0259nilm\u0259z tibbi m\u0259sr\u0259fl\u0259rin qar\u015f\u0131lanmas\u0131na, keyfiyy\u0259tli tibbi yard\u0131m\u0131n al\u0131nmas\u0131na v\u0259 qay\u011f\u0131s\u0131n\u0131 ç\u0259k\u0259 bil\u0259n t\u0259\u015fkilata çox ehtiyac duyur. S\u0131\u011forta \u015firk\u0259ti m\u0259hz bu ehtiyaclar\u0131n öd\u0259nm\u0259sini öz üz\u0259rin\u0259 götürür.  Ümumiyy\u0259tl\u0259, s\u0131\u011forta – riskl\u0259rin ba\u015fqas\u0131na ötürüldüyü  v\u0259 ya riskin ba\u015fqas\u0131 il\u0259 bölü\u015fdürüldüyü bir mexanizmdir. S\u0131\u011forta h\u0259r hans\u0131 bir itkiy\u0259 m\u0259ruz qalm\u0131\u015f \u015f\u0259xsi buna s\u0259b\u0259b olmu\u015f hadis\u0259d\u0259n \u0259vv\u0259lki maliyy\u0259 v\u0259ziyy\u0259tin\u0259 qaytarmaq üçün t\u0259zminatla t\u0259min edir. Tibbi s\u0131\u011forta s\u0131\u011fortan\u0131n bir növü olmaqla, s\u0131\u011forta olunan \u015f\u0259xsin ald\u0131\u011f\u0131 tibbi yard\u0131m\u0131n öd\u0259ni\u015fin\u0259 t\u0259minat ver\u0259n, sa\u011flaml\u0131\u011f\u0131n\u0131n  qorunmas\u0131n\u0131n t\u0259minatl\u0131 bir formas\u0131d\u0131r<\/p>\n

– Tibbi s\u0131\u011fortan\u0131n t\u0259tbiqi formalar\u0131 v\u0259 növl\u0259ri bar\u0259d\u0259 n\u0259l\u0259ri bildirm\u0259k olar?<\/strong>
\n– Tibbi s\u0131\u011forta icbari v\u0259 könüllü olur. Könüllü tibbi s\u0131\u011forta korporativ v\u0259 fiziki \u015f\u0259xsl\u0259rin s\u0131\u011fortas\u0131na bölünür.  Haz\u0131rda Az\u0259rbaycanda icbari tibbi s\u0131\u011fortan\u0131n t\u0259tbiqi prosesi üz\u0259rind\u0259 i\u015fl\u0259r apar\u0131l\u0131r. \u015eirk\u0259timiz 12 ildir ki, korporativ könüllü tibbi s\u0131\u011forta il\u0259 m\u0259\u015f\u011fuldur. Bu sah\u0259d\u0259 öncül \u015firk\u0259t olaraq s\u0259rf\u0259li v\u0259 keyfiyy\u0259tli xidm\u0259t t\u0259klif edirik. Önc\u0259 bildirim ki, korporativ tibbi s\u0131\u011forta i\u015f\u0259götür\u0259nin i\u015fçil\u0259rinin tibbi x\u0259rcl\u0259rinin qar\u015f\u0131lanmas\u0131n\u0131 n\u0259z\u0259rd\u0259 tutan sosial paketdir. Korporativ tibbi s\u0131\u011forta i\u015f\u0259götür\u0259nin i\u015fçil\u0259rini motivasiya etm\u0259k üçün effektiv vasit\u0259 olaraq \u015firk\u0259tin r\u0259hb\u0259rliyinin i\u015fçil\u0259rin\u0259 qar\u015f\u0131 bir qay\u011f\u0131 göst\u0259ricisi say\u0131l\u0131r. Korporativ sosial paketin t\u0259rkib hiss\u0259l\u0259rind\u0259n biri olan i\u015fçil\u0259rin tibbi s\u0131\u011fortas\u0131 i\u015f yerinin nüfuzuna t\u0259sir göst\u0259rir v\u0259 h\u0259r bir i\u015fçinin \u015firk\u0259t üçün \u0259h\u0259miyy\u0259tini vur\u011fulay\u0131r. Bel\u0259 qay\u011f\u0131n\u0131n m\u0259ntiqi n\u0259tic\u0259si kimi x\u0259st\u0259l\u0259nm\u0259 hallar\u0131n\u0131n azalmas\u0131, \u0259m\u0259k m\u0259hsuldarl\u0131\u011f\u0131n\u0131n artmas\u0131 v\u0259 çal\u0131\u015fd\u0131\u011f\u0131 \u015firk\u0259t\u0259 sadiq münasib\u0259tin formala\u015fmas\u0131 kimi müsb\u0259t göst\u0259ricil\u0259r \u0259ld\u0259 edilir.<\/p>\n

Ba\u011flad\u0131\u011f\u0131m\u0131z h\u0259r bir müqavil\u0259 unikald\u0131r. H\u0259r bir \u015firk\u0259t üçün mü\u015ft\u0259rinin f\u0259aliyy\u0259t xüsusiyy\u0259tl\u0259rinin, i\u015fçil\u0259rinin say\u0131n\u0131n, onun t\u0259l\u0259batlar\u0131n\u0131n, arzular\u0131n\u0131n v\u0259 büdc\u0259 imkanlar\u0131n\u0131n n\u0259z\u0259r\u0259 al\u0131nmas\u0131 il\u0259 f\u0259rdi proqram haz\u0131rlan\u0131r. Mü\u015ft\u0259rim\u0131z t\u0259qdim etdiyimiz xidm\u0259tl\u0259r siyah\u0131s\u0131ndan istifad\u0259 ed\u0259r\u0259k, özün\u0259 uy\u011fun tibbi s\u0131\u011forta proqram\u0131n\u0131 t\u0259rtib ed\u0259 bil\u0259r. M\u0259s\u0259l\u0259n, xidm\u0259tl\u0259rd\u0259n t\u0259cili yard\u0131m, ambulator yard\u0131m, stasionar yard\u0131m, stomatoloji yard\u0131m, d\u0259rman t\u0259minat\u0131, hamil\u0259liyin t\u0259qibi, peyv\u0259nd v\u0259 s. göst\u0259rm\u0259k olar.<\/p>\n

– Tibbi s\u0131\u011forta t\u0259klif ed\u0259n \u015firk\u0259t olaraq hans\u0131 klinikalarla i\u015fl\u0259yirsiniz?<\/strong>
\n– Haz\u0131rda 70-d\u0259n çox klinika, o cüml\u0259d\u0259n 15-d\u0259n çox stomatoloji klinika, v\u0259 30-dan çox aptekl\u0259 müqavil\u0259l\u0259rimiz var. Klinikalar\u0131m\u0131z t\u0259k Bak\u0131 \u015f\u0259h\u0259ri il\u0259 m\u0259hdudla\u015fm\u0131r, regionlardak\u0131 öz\u0259l klinikalarla da müqavil\u0259l\u0259rimiz var. Müqavil\u0259 ba\u011flad\u0131\u011f\u0131m\u0131z klinikalar mü\u0259yy\u0259n bir qiym\u0259tl\u0259ndirm\u0259 göst\u0259ricil\u0259rin\u0259 uy\u011fun olmal\u0131d\u0131r. Bu qiym\u0259tl\u0259ndirm\u0259 prosesi ild\u0259 bir d\u0259f\u0259 t\u0259krarlan\u0131r, t\u0259l\u0259bl\u0259rimiz\u0259 cavab verm\u0259y\u0259n klinikalarla müqavil\u0259l\u0259rimiz dayand\u0131r\u0131l\u0131r v\u0259 yeni klinikalarla müqavil\u0259l\u0259r ba\u011flan\u0131l\u0131r.<\/p>\n

– Sizc\u0259, ölk\u0259mizd\u0259 tibbi s\u0131\u011fortan\u0131n rahat, \u0259lçatan v\u0259 kütl\u0259vi olmas\u0131 üçün hans\u0131 m\u0259s\u0259l\u0259l\u0259r öz h\u0259llini tapmal\u0131d\u0131r? <\/strong>
\n– Bildiyiniz kimi, t\u0259bab\u0259t \u0259ks\u0259r ölk\u0259l\u0259rd\u0259 çox bahal\u0131 bir xidm\u0259t növüdür v\u0259 bu, normal hald\u0131r. Çünki tibbi xidm\u0259t zaman\u0131 bahal\u0131 avadanl\u0131qlardan, reaktivl\u0259rd\u0259n, \u0259n \u0259sas\u0131 uzun ill\u0259r t\u0259hsil alm\u0131\u015f, bu i\u015f\u0259 ömür vermi\u015f h\u0259kiml\u0259rin xidm\u0259tind\u0259n istifad\u0259 olunur. Y\u0259ni xidm\u0259tin maya d\u0259y\u0259ri çox qiym\u0259tlidir, buna gör\u0259 tibbi s\u0131\u011forta xidm\u0259ti  ucuz ola bilm\u0259z. Dünyan\u0131n bir çox ölk\u0259l\u0259rind\u0259 bu problem icbari tibbi s\u0131\u011fortan\u0131n t\u0259tbiqi yolu il\u0259 öz h\u0259llini tap\u0131r. Bizim ölk\u0259d\u0259 d\u0259 bu proses ba\u015flay\u0131b v\u0259 gözl\u0259yirik ki, dünyan\u0131n dig\u0259r inki\u015faf etmi\u015f ölk\u0259l\u0259rind\u0259ki kimi, bizd\u0259 d\u0259 kütl\u0259vi icbari tibbi s\u0131\u011forta t\u0259tbiq edilm\u0259y\u0259 ba\u015flad\u0131qdan sonra könüllü tibbi s\u0131\u011forta bazar\u0131 daha da inki\u015faf ed\u0259c\u0259k, h\u0259mv\u0259t\u0259nl\u0259rimiz bu s\u0131\u011forta növün\u0259 ön\u0259m ver\u0259c\u0259k v\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259ri fiziki \u015f\u0259xsl\u0259rin könüllü tibbi s\u0131\u011fortas\u0131n\u0131 geni\u015f t\u0259tbiq etm\u0259y\u0259 ba\u015flayacaqlar.<\/p>\n

– Bu iki tibbi s\u0131\u011forta növünü bir-biri il\u0259 n\u0259 ba\u011flay\u0131r? Sizc\u0259, icbari tibbi s\u0131\u011fortan\u0131n t\u0259tbiqi Az\u0259rbaycanda öz\u0259l s\u0131\u011forta \u015firk\u0259tl\u0259rinin inki\u015faf\u0131na  nec\u0259 t\u0259sir  göst\u0259r\u0259c\u0259k?<\/strong>
\n– \u0130cbari tibbi s\u0131\u011forta h\u0259r bir v\u0259t\u0259nda\u015f üçün dövl\u0259t t\u0259minatl\u0131 tibbi yard\u0131m növüdür. \u0130nki\u015faf etmi\u015f ölk\u0259l\u0259rd\u0259 h\u0259mr\u0259ylik prinsipi üz\u0259rind\u0259 qurulmu\u015f icbari tibbi s\u0131\u011forta modeli geni\u015f yay\u0131l\u0131b. Bu prinsip\u0259 \u0259sas\u0259n, h\u0259r i\u015fl\u0259y\u0259n v\u0259t\u0259nda\u015f\u0131n \u0259m\u0259k haqq\u0131ndan mü\u0259yy\u0259n m\u0259bl\u0259\u011f tutulur, lakin tutulan m\u0259bl\u0259\u011fd\u0259n as\u0131l\u0131 olmayaraq, tibb mü\u0259ssis\u0259sin\u0259 müraci\u0259t etdikd\u0259 h\u0259r bir v\u0259t\u0259nda\u015f  mü\u0259yy\u0259n h\u0259cmd\u0259 v\u0259 keyfiyy\u0259td\u0259 tibbi yard\u0131m al\u0131r. \u018fhali aras\u0131nda dispanserizasiya, mü\u0259yy\u0259n olunmu\u015f vaxtlarda m\u0259cburi tibbi müayin\u0259l\u0259r apar\u0131l\u0131r ki, bu da x\u0259st\u0259likl\u0259rin azalmas\u0131na g\u0259tirib ç\u0131xar\u0131r. Bel\u0259likl\u0259, heç bir v\u0259t\u0259nda\u015f maddi imkans\u0131zl\u0131\u011fa gör\u0259 tibbi yard\u0131mdan m\u0259hrum olaraq x\u0259st\u0259likl\u0259rd\u0259n \u0259ziyy\u0259t c\u0259kmir.
\n <\/p>\n

Könüllü tibbi s\u0131\u011forta is\u0259 müxt\u0259lif xidm\u0259t növl\u0259ri, lüks palata, \u015f\u0259xsi h\u0259kim, evd\u0259 yard\u0131m, f\u0259rdi post, s\u0131\u011forta olunan\u0131n seçimind\u0259n as\u0131l\u0131 olaraq klinikan\u0131n, h\u0259kimin, müt\u0259x\u0259ssisin seçimi, geni\u015f stomatoloji yard\u0131m (m\u0259s\u0259l\u0259n, ortodontiyan\u0131n, implantalogiyan\u0131n t\u0259tbiqi), növb\u0259siz v\u0259 seçim\u0259 uy\u011fun apar\u0131lan müayin\u0259l\u0259r dem\u0259kdir. Burda s\u0131\u011forta olunan öd\u0259diyi s\u0131\u011forta haqq\u0131ndan as\u0131l\u0131 olaraq müxt\u0259lif xidm\u0259t növl\u0259ri olan paketl\u0259r ala bilir. Bu o dem\u0259k deyil ki, icbari tibbi s\u0131\u011forta üzr\u0259 al\u0131nan tibbi yard\u0131m keyfiyy\u0259tsiz olur, bu o dem\u0259kdir ki, könüllü tibbi s\u0131\u011forta il\u0259 s\u0131\u011forta olunan öz\u0259l x\u0259st\u0259xanalarda daha komfortlu yard\u0131m ala bilir.<\/p>\n

Dü\u015fünür\u0259m ki, yax\u0131n g\u0259l\u0259c\u0259kd\u0259 ölk\u0259mizd\u0259 bunlar bir-biri il\u0259 r\u0259qab\u0259t aparan deyil, bir-birini tamamlayan iki ayr\u0131 tibbi s\u0131\u011forta növü olacaq.<\/p>\n","protected":false},"excerpt":{"rendered":"

“AtaS\u0131\u011forta” ASC-nin Tibbi v\u0259 S\u0259yah\u0259t s\u0131\u011fortas\u0131 departamentinin direktoru Rozaliya Sad\u0131qova: “H\u0259r bir \u015firk\u0259t üçün mü\u015ft\u0259rinin f\u0259aliyy\u0259t xüsusiyy\u0259tl\u0259rinin, t\u0259l\u0259batlar\u0131n\u0131n v\u0259 büdc\u0259 imkanlar\u0131n\u0131n n\u0259z\u0259r\u0259 al\u0131nmas\u0131 il\u0259 f\u0259rdi proqram haz\u0131rlan\u0131r” Bu gün h\u0259r…<\/p>\n","protected":false},"author":1,"featured_media":251278,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[101],"tags":[],"class_list":["post-59848","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cemiyyet"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/59848","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=59848"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/59848\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/media\/251278"}],"wp:attachment":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=59848"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=59848"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=59848"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}