{"id":615,"date":"2023-04-11T11:42:19","date_gmt":"2023-04-11T11:42:19","guid":{"rendered":"https:\/\/csmsigorta.com.tr\/tarim-sigortasi\/?page_id=615"},"modified":"2023-04-11T12:05:30","modified_gmt":"2023-04-11T12:05:30","slug":"bitkisel-urun-sigortasi","status":"publish","type":"page","link":"https:\/\/csmsigorta.com.tr\/tarim-sigortasi\/bitkisel-urun-sigortasi\/","title":{"rendered":"Bitkisel \u00dcr\u00fcn Sigortas\u0131"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"615\" class=\"elementor elementor-615\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-355abedc elementor-section-boxed elementor-section-height-default elementor-section-height-default tf-sticky-section tf-sticky-no\" data-id=\"355abedc\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;tf_sticky&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f324964\" data-id=\"3f324964\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1ca502a elementor-section-boxed elementor-section-height-default elementor-section-height-default tf-sticky-section tf-sticky-no\" data-id=\"1ca502a\" data-element_type=\"section\" data-settings=\"{&quot;tf_sticky&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41b40a95\" data-id=\"41b40a95\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a977756 elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a977756\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.12.2 - 23-04-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h5 class=\"elementor-heading-title elementor-size-default\">S\u0130GORTA KAPSAMI VE S\u0130GORTALANAN TEHL\u0130KELER<\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1ca73d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a1ca73d\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.12.2 - 23-04-2023 *\/\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#0c0d0e;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider .elementor-divider__element{margin:0 var(--divider-element-spacing);flex-shrink:0}.elementor-widget-divider .elementor-icon{font-size:var(--divider-icon-size)}.elementor-widget-divider .elementor-divider-separator{display:flex;margin:0;direction:ltr}.elementor-widget-divider--view-line_icon .elementor-divider-separator,.elementor-widget-divider--view-line_text .elementor-divider-separator{align-items:center}.elementor-widget-divider--view-line_icon .elementor-divider-separator:after,.elementor-widget-divider--view-line_icon .elementor-divider-separator:before,.elementor-widget-divider--view-line_text .elementor-divider-separator:after,.elementor-widget-divider--view-line_text .elementor-divider-separator:before{display:block;content:\"\";border-bottom:0;flex-grow:1;border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--element-align-left .elementor-divider .elementor-divider-separator>.elementor-divider__svg:first-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-left .elementor-divider-separator:before{content:none}.elementor-widget-divider--element-align-left .elementor-divider__element{margin-left:0}.elementor-widget-divider--element-align-right .elementor-divider .elementor-divider-separator>.elementor-divider__svg:last-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-right .elementor-divider-separator:after{content:none}.elementor-widget-divider--element-align-right .elementor-divider__element{margin-right:0}.elementor-widget-divider:not(.elementor-widget-divider--view-line_text):not(.elementor-widget-divider--view-line_icon) .elementor-divider-separator{border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-con-inner>.elementor-widget-divider,.e-con>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-67658e14 elementor-section-boxed elementor-section-height-default elementor-section-height-default tf-sticky-section tf-sticky-no\" data-id=\"67658e14\" data-element_type=\"section\" data-settings=\"{&quot;tf_sticky&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f64f0cd\" data-id=\"f64f0cd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44a8eb46 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"44a8eb46\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.12.2 - 23-04-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1138\" height=\"1138\" src=\"https:\/\/csmsigorta.com.tr\/tarim-sigortasi\/wp-content\/uploads\/2023\/04\/img_about_home-SQ9N2ED.jpg\" class=\"attachment-full size-full wp-image-105\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-38d1997a\" data-id=\"38d1997a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-19610e27 elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"19610e27\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.12.2 - 23-04-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><strong>T\u00fcm bitkisel \u00fcr\u00fcnler i\u00e7in;<\/strong><\/p><ul><li>Dolu, f\u0131rt\u0131na, hortum, yang\u0131n, deprem, heyelan, ta\u015f\u0131t \u00e7arpmas\u0131, sel ve su bask\u0131n\u0131n\u0131n \u00fcr\u00fcnlerde neden oldu\u011fu miktar kayb\u0131,<\/li><li>Dolunun ya\u015f meyve, ya\u015f sebze ve kesme \u00e7i\u00e7eklerde neden oldu\u011fu kalite kayb\u0131,<\/li><li>Yaban domuzunun tarla \u00fcr\u00fcnlerinde, sebzelerde, fidanlarda ve \u00e7ilekte neden oldu\u011fu miktar kayb\u0131,<\/li><li>Ku\u015flar\u0131n, ay\u00e7i\u00e7e\u011fi (ya\u011fl\u0131k), ay\u00e7i\u00e7e\u011fi (\u00e7erezlik) \u00fcr\u00fcnleri ile ay\u00e7i\u00e7e\u011fi (sertifikal\u0131 tohumluk) \u00fcr\u00fcn\u00fcn\u00fcn olgunla\u015fma ve hasat d\u00f6neminde tabla \u00fczerindeki tohumlar\u0131 yemesi suretiyle ortaya \u00e7\u0131kan miktar kayb\u0131,<\/li><li>Ya\u011fmur riskinin, pamuk ve pamuk (sertifikal\u0131 tohumluk) \u00fcr\u00fcn\u00fcnde kozalar\u0131n a\u00e7\u0131lmas\u0131ndan itibaren hasada kadar olan d\u00f6nemde, a\u00e7\u0131lm\u0131\u015f kozalarda neden oldu\u011fu miktar kayb\u0131,<\/li><li>Don riskinin, meyve ve ba\u011f fidanlar\u0131nda neden oldu\u011fu miktar kayb\u0131 zarar\u0131<\/li><\/ul><p>dolu paketi olarak teminat kapsam\u0131na al\u0131nmaktad\u0131r.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-58d9cdf1 elementor-section-full_width elementor-section-height-default elementor-section-height-default tf-sticky-section tf-sticky-no\" data-id=\"58d9cdf1\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;tf_sticky&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-50505e5b\" data-id=\"50505e5b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2ea712aa elementor-section-boxed elementor-section-height-default elementor-section-height-default tf-sticky-section tf-sticky-no\" data-id=\"2ea712aa\" data-element_type=\"section\" data-settings=\"{&quot;tf_sticky&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-583761e6\" data-id=\"583761e6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a2972ca elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"a2972ca\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Bu say\u0131lan risklere ilave ve ek prim ile iste\u011fe ba\u011fl\u0131 olarak,<\/strong><\/p><ul><li>Don riskinin ya\u015f meyvelerde, ya\u011fg\u00fcl\u00fcnde ve enginarda neden oldu\u011fu miktar kayb\u0131,<\/li><li>Dolu a\u011f\u0131 ve \u00f6rt\u00fc ile destek (telli terbiye) sistemleri ve bu sistemlerin alt\u0131nda bulunan \u00fcr\u00fcnlerde; dolu, dolu a\u011f\u0131rl\u0131\u011f\u0131, kar a\u011f\u0131rl\u0131\u011f\u0131, f\u0131rt\u0131na, hortum, yang\u0131n, deprem, heyelan, sel ve su bask\u0131n\u0131, ta\u015f\u0131t \u00e7arpmas\u0131 risklerinin neden oldu\u011fu zararlar,<\/li><li>Ya\u011fmur riskinin; kiraz ve \u00fcz\u00fcm \u00fcr\u00fcnlerinde olgunla\u015fma ve hasat d\u00f6nemlerinde neden oldu\u011fu miktar kayb\u0131 ile taze t\u00fcketime y\u00f6nelik olarak \u00fcretilen incirlerde olgunla\u015fma ve hasat d\u00f6nemlerinde yol a\u00e7t\u0131\u011f\u0131 kalite kayb\u0131, kurutmal\u0131k ama\u00e7l\u0131 \u00fcretilen incirlerde olgunla\u015fma ve burukla\u015fma d\u00f6nemlerinden hasada kadar olan d\u00f6nemde neden oldu\u011fu miktar ve kalite kayb\u0131,<\/li><li>Dolu, f\u0131rt\u0131na, hortum, yang\u0131n, deprem, heyelan, ta\u015f\u0131t \u00e7arpmas\u0131, sel ve su bask\u0131n\u0131, yaban domuzu zarar\u0131 risklerinin, arpa, bu\u011fday, \u00e7avdar, tritikale, yulaf ve kapl\u0131ca bu\u011fday \u00fcr\u00fcnleri ile bu \u00fcr\u00fcnlerin sertifikal\u0131 tohumluklar\u0131n\u0131n sap k\u0131sm\u0131nda neden oldu\u011fu miktar kayb\u0131,<\/li><li>Dolu, f\u0131rt\u0131na, hortum, yang\u0131n, deprem, heyelan, ta\u015f\u0131t \u00e7arpmas\u0131, sel ve su bask\u0131n\u0131 risklerinin, salamural\u0131k yaprak \u00fcretimi yap\u0131lan asmalar\u0131n yapraklar\u0131nda neden oldu\u011fu miktar kayb\u0131,<\/li><li>S\u0131cak havan\u0131n, alt\u0131ntop, limon, mandalina, portakal \u00fcr\u00fcnlerinde \u00e7i\u00e7eklenme, meyve tutumu ve k\u00fc\u00e7\u00fck meyve d\u00f6nemlerinde kuruma, d\u00f6k\u00fclme; \u00fcz\u00fcmlerde ise \u00e7i\u00e7eklenme ve tane ba\u011flama d\u00f6nemlerinde salk\u0131mlarda tane tutumunun ger\u00e7ekle\u015fmemesi ve tanede b\u00fcy\u00fcmenin durmas\u0131, kurumas\u0131 ve d\u00f6k\u00fclmesi \u015feklinde neden oldu\u011fu miktar kayb\u0131,<\/li><li>Don riskinin, \u015fekerpancar\u0131, kabak (\u00e7erezlik), domates, biber, patl\u0131can, kavun, karpuz \u00fcr\u00fcnlerinde fide ve yapraklanma d\u00f6neminde yeniden ekim dikime neden olacak \u015fekilde meydana getirdi\u011fi zararlar teminat kapsam\u0131na al\u0131nabilmektedir.<\/li><\/ul><p>\u0130ste\u011fe ba\u011fl\u0131 ek teminatlar tek ba\u015f\u0131na al\u0131namaz.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7f498113\" data-id=\"7f498113\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4b441195 elementor-widget__width-initial elementor-widget elementor-widget-spacer\" data-id=\"4b441195\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.12.2 - 23-04-2023 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6c3d4656 elementor-section-boxed elementor-section-height-default elementor-section-height-default tf-sticky-section tf-sticky-no\" data-id=\"6c3d4656\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;tf_sticky&quot;:&quot;no&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-21acaf2b\" data-id=\"21acaf2b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9a61bb1 elementor-widget elementor-widget-text-editor\" data-id=\"9a61bb1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Ayr\u0131ca, ekonomik olarak verime yatm\u0131\u015f meyve a\u011fa\u00e7lar\u0131, \u00e7ay ve asmalar\u0131n kendileri ile fidanlar\u0131nda, s\u00fcs bitkisi fidanlar\u0131nda; dolu, f\u0131rt\u0131na, hortum, yang\u0131n, deprem, heyelan, sel ve su bask\u0131n\u0131, ta\u015f\u0131t \u00e7arpmas\u0131 ve kar a\u011f\u0131rl\u0131\u011f\u0131 riskleri ile fidanlarda yaban domuzu zarar\u0131 riski ile meyve ve ba\u011f fidanlar\u0131nda don riskinin neden oldu\u011fu tam hasarlar (*) \u00fcr\u00fcnden ba\u011f\u0131ms\u0131z olarak sigorta ettirilebilir. Ekonomik olarak verime yatm\u0131\u015f meyve a\u011fa\u00e7lar\u0131, \u00e7ay ve asmalar\u0131n kendilerinin sigortalanmas\u0131ndan \u00f6nce, d\u00f6neminin uygun olmas\u0131 ko\u015fulu ile \u00f6ncelikle \u00fcr\u00fcn\u00fcn sigortalanmas\u0131 \u015fart\u0131 aran\u0131r. \u00dcr\u00fcn\u00fcn sigortalanma d\u00f6neminin uygun olmamas\u0131 halinde bu \u015fart aranmaz.<\/p><p><strong>(*) Tam hasar;<\/strong> teminat alt\u0131ndaki riskler nedeniyle meyve a\u011fa\u00e7lar\u0131, \u00e7ay ve asmalar\u0131n kendilerinde 3 y\u0131ll\u0131k verimin tamamen kayb\u0131na; meyve a\u011fa\u00e7lar\u0131n\u0131n, \u00e7ay\u0131n, asmalar\u0131n ve s\u00fcs bitkilerinin fidanlar\u0131nda ise fidan \u00f6zelliklerini kaybetmelerine yol a\u00e7an zararlar\u0131 ifade eder.<\/p><p><strong>POL\u0130\u00c7ELE\u015eME S\u00dcREC\u0130<\/strong><br \/>\u00c7ift\u00e7i, sigorta i\u015flemlerini ger\u00e7ekle\u015ftirebilmesi i\u00e7in \u00f6ncelikle o y\u0131la ait arazi ve \u00fcr\u00fcn bilgilerine dair \u00c7KS (\u00c7ift\u00e7i Kay\u0131t Sistemi) kay\u0131tlar\u0131n\u0131 g\u00fcncellemi\u015f olmas\u0131 gerekmektedir. \u00c7KS kay\u0131tlar\u0131n\u0131 g\u00fcncellemi\u015f olan \u00e7ift\u00e7i \u00fcr\u00fcn\u00fcn\u00fc sigortalatmak i\u00e7in Tar\u0131m Sigortalar\u0131 Havuzuna (TARS\u0130M&#8217;e) \u00fcye sigorta \u015firketine veya acentesine ba\u015fvurur. Sigorta \u015firketi veya acente Tar\u0131m Sigortalar\u0131 Havuzunun (TARS\u0130M\u2019 in) sistemine girerek \u00e7ift\u00e7i bilgilerinin sorgulanmas\u0131n\u0131 yapar. Genel \u015eartlar ile Tarife ve Talimatlar do\u011frultusunda acente sistemde poli\u00e7eyi tanzim eder. Tanzim edilen poli\u00e7e i\u00e7in Ki\u015fisel Verilerin Korunmas\u0131 Kanunu (KVKK) kapsam\u0131ndaki Ayd\u0131nlatma Metni, Poli\u00e7e Bilgilendirme Formu, Poli\u00e7e \u00e7\u0131kt\u0131lar\u0131 TARS\u0130M taraf\u0131ndan sigortal\u0131 \u00fcreticilerimize tercihine g\u00f6re SMS veya e-posta olarak g\u00f6nderilir. Sigortal\u0131 \u00fcreticimiz poli\u00e7esini \u00e7\u0131kt\u0131 olarak almay\u0131 tercih ederse, acente \u00f6ncelikle; Ki\u015fisel Verilerin Korunmas\u0131 Kanunu (KVKK) kapsam\u0131ndaki Ayd\u0131nlatma Metni, Poli\u00e7e Bilgilendirme Formunu iki n\u00fcsha olarak sistemden al\u0131r ve birer n\u00fcshas\u0131n\u0131 sigortal\u0131ya imza kar\u015f\u0131l\u0131\u011f\u0131 verir. Sonras\u0131nda tanzim edilen poli\u00e7eden iki n\u00fcsha d\u00fczenleyerek bir n\u00fcshas\u0131n\u0131 sigorta ettiren\/sigortal\u0131ya verir.<\/p><p><strong>PR\u0130MLER\u0130N \u00d6DENMES\u0130<\/strong><br \/>Bitkisel \u00dcr\u00fcn Sigortas\u0131nda, dolu paket poli\u00e7elerinde yaz\u0131l\u0131 primin %50&#8242; si Devlet taraf\u0131ndan kar\u015f\u0131lan\u0131r. Bununla birlikte, meyve \u00fcr\u00fcnlerinde, ek olarak al\u0131nan don riski, meyve ve ba\u011f fidanlar\u0131nda don riski ile \u015fekerpancar\u0131, kabak (\u00e7erezlik), domates, biber, patl\u0131can, kavun ve karpuz \u00fcr\u00fcnlerinde fide ve yapraklanma d\u00f6neminde yeniden ekim dikime neden olacak don riski i\u00e7in; don priminin 2\/3\u2019\u00fc Devlet taraf\u0131ndan kar\u015f\u0131lan\u0131r.<\/p><p>Sigortal\u0131 taraf\u0131ndan \u00f6denecek olan primin % 15&#8242; i pe\u015fin al\u0131n\u0131r; kalan prim tutar\u0131 da en ge\u00e7 poli\u00e7e biti\u015f tarihinden itibaren 1 ay i\u00e7inde tahsil edilir.<\/p><p>A\u011fa\u00e7\/Fidan Sigortalar\u0131 poli\u00e7elerinde ise sigortal\u0131 taraf\u0131ndan \u00f6denecek olan primin %15&#8242; i pe\u015fin al\u0131n\u0131r, kalan prim tutar\u0131 da en fazla 5 taksitle tahsil edilir.<\/p><p><strong>HASAR \u0130HBAR \/ EKSPERT\u0130Z \/ \u00d6DEME S\u00dcREC\u0130<\/strong><br \/>Bitkisel \u00dcr\u00fcn Sigortas\u0131nda, teminat kapsam\u0131nda olan bir riskin ger\u00e7ekle\u015fmesi halinde; sigorta ettiren\/sigortal\u0131, rizikonun ger\u00e7ekle\u015fti\u011fi tarihten itibaren, don hasarlar\u0131nda 10 g\u00fcn\u00fc, di\u011fer hasarlarda 15 g\u00fcn\u00fc a\u015fmamak \u00fczere Sesli Yan\u0131t Sistemi uygulamas\u0131n\u0131n yan\u0131 s\u0131ra, TARS\u0130M Mobil Uygulama, tarsim.gov.tr \u00fczerinde yer alan Poli\u00e7e sorgulama\/hasar ihbar\u0131 ekran\u0131 veya acenteler arac\u0131l\u0131\u011f\u0131yla da Bitkisel \u00dcr\u00fcn Sigortas\u0131 bran\u015f\u0131ndaki poli\u00e7eleri i\u00e7in Tar\u0131m Sigortalar\u0131 Havuzuna (TARS\u0130M\u2019 e) hasar ihbar\u0131nda bulunabilir.<\/p><p>Hasar tespitleri Tar\u0131m Sigortalar\u0131 Havuzu (TARS\u0130M) taraf\u0131ndan g\u00f6revlendirilen eksperler taraf\u0131ndan yap\u0131l\u0131r. Hasar dosyas\u0131n\u0131n tamamlanmas\u0131ndan sonra, kesinle\u015fmi\u015f tazminat miktarlar\u0131, en ge\u00e7 30 g\u00fcn i\u00e7inde yine Tar\u0131m Sigortalar\u0131 Havuzu (TARS\u0130M) taraf\u0131ndan sigortal\u0131ya, banka kanal\u0131yla \u00f6denir. Tazminat, hasat tarihinden \u00f6nce \u00f6denmez. Ancak, \u00fcr\u00fcn\u00fcn tamamen hasarlanmas\u0131 halinde tazminat sigortac\u0131l\u0131k ilkeleri dahilinde poli\u00e7e biti\u015f tarihinden \u00f6nce \u00f6denir.<\/p><p>Erken bir geli\u015fme devresinde sigortal\u0131 \u00fcr\u00fcn\u00fcn hasara u\u011framas\u0131 durumunda; Tar\u0131m Sigortalar\u0131 Havuzu eksperi taraf\u0131ndan, ayn\u0131 \u00fcr\u00fcn\u00fcn veya farkl\u0131 bir \u00fcr\u00fcn\u00fcn yeniden ekim\/dikimine karar verilmesi halinde, sigortal\u0131n\u0131n, hasar tarihine kadar, mevcut \u00fcr\u00fcne yapm\u0131\u015f oldu\u011fu ekim\/dikim ve bak\u0131m masraflar\u0131 kar\u015f\u0131l\u0131\u011f\u0131 olarak, Genel \u015eartlar ile Tarife ve Talimatlar\u0131nda belirtildi\u011fi \u015fekilde \u00f6deme yap\u0131l\u0131r.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>S\u0130GORTA KAPSAMI VE S\u0130GORTALANAN TEHL\u0130KELER T\u00fcm bitkisel \u00fcr\u00fcnler i\u00e7in; Dolu, f\u0131rt\u0131na, hortum, yang\u0131n, deprem, heyelan, ta\u015f\u0131t \u00e7arpmas\u0131, sel ve su bask\u0131n\u0131n\u0131n \u00fcr\u00fcnlerde neden oldu\u011fu miktar kayb\u0131, Dolunun ya\u015f meyve, ya\u015f sebze ve kesme \u00e7i\u00e7eklerde neden oldu\u011fu kalite kayb\u0131, Yaban domuzunun tarla \u00fcr\u00fcnlerinde, sebzelerde, fidanlarda ve \u00e7ilekte neden oldu\u011fu miktar kayb\u0131, Ku\u015flar\u0131n, ay\u00e7i\u00e7e\u011fi (ya\u011fl\u0131k), ay\u00e7i\u00e7e\u011fi (\u00e7erezlik) &#8230; <a title=\"Bitkisel \u00dcr\u00fcn Sigortas\u0131\" class=\"read-more\" href=\"https:\/\/csmsigorta.com.tr\/tarim-sigortasi\/bitkisel-urun-sigortasi\/\" aria-label=\"More on Bitkisel \u00dcr\u00fcn Sigortas\u0131\">Devam\u0131n\u0131 oku&#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-615","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bitkisel \u00dcr\u00fcn Sigortas\u0131 - Tar\u0131m<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/csmsigorta.com.tr\/tarim-sigortasi\/bitkisel-urun-sigortasi\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bitkisel \u00dcr\u00fcn Sigortas\u0131 - Tar\u0131m\" \/>\n<meta property=\"og:description\" content=\"S\u0130GORTA KAPSAMI VE S\u0130GORTALANAN TEHL\u0130KELER T\u00fcm bitkisel \u00fcr\u00fcnler i\u00e7in; Dolu, f\u0131rt\u0131na, hortum, yang\u0131n, deprem, heyelan, ta\u015f\u0131t \u00e7arpmas\u0131, sel ve su bask\u0131n\u0131n\u0131n \u00fcr\u00fcnlerde neden oldu\u011fu miktar kayb\u0131, Dolunun ya\u015f meyve, ya\u015f sebze ve kesme \u00e7i\u00e7eklerde neden oldu\u011fu kalite kayb\u0131, Yaban domuzunun tarla \u00fcr\u00fcnlerinde, sebzelerde, fidanlarda ve \u00e7ilekte neden oldu\u011fu miktar kayb\u0131, Ku\u015flar\u0131n, ay\u00e7i\u00e7e\u011fi (ya\u011fl\u0131k), ay\u00e7i\u00e7e\u011fi (\u00e7erezlik) ... 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