{"id":1019,"date":"2026-09-24T20:00:09","date_gmt":"2026-09-24T17:00:09","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=1019"},"modified":"2026-09-24T20:00:09","modified_gmt":"2026-09-24T17:00:09","slug":"ali-ihsan-balta-hasardan-tahkime-seffaflik-zinciri-eksik-kalmamali","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=1019","title":{"rendered":"Ali \u0130hsan Balta: \u201dHasardan tahkime: \u015eeffafl\u0131k\u00a0zinciri eksik kalmamal\u0131\u201d"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Hasar s\u00fcre\u00e7lerinde g\u00fc\u00e7lenen \u015feffafl\u0131k ve denetim anlay\u0131\u015f\u0131, Sigorta Tahkim Komisyonu\u2019nda da hakemden bilirki\u015fiye, vekilden ba\u015fvuru s\u00fcre\u00e7lerine kadar sistemin b\u00fct\u00fcn akt\u00f6rlerini kapsamal\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu\u2019nun (SEDDK), sigorta hasar s\u00fcre\u00e7lerinin istismar edilmesine kar\u015f\u0131 ortaya koydu\u011fu kararl\u0131 iradenin sigorta sekt\u00f6r\u00fc a\u00e7\u0131s\u0131ndan \u00f6nemli bir d\u00f6nemin ba\u015flad\u0131\u011f\u0131n\u0131 g\u00f6sterdi\u011fini belirten <strong>Sigorta Eksperi ve Sigorta Tahkim Komisyonu Bilirki\u015fisi Ali \u0130hsan Balta<\/strong>, ger\u00e7ek zarar ilkesinin g\u00fc\u00e7lendirilmesinin, eksper atama sisteminin yeniden yap\u0131land\u0131r\u0131lmas\u0131n\u0131n, hasar s\u00fcre\u00e7lerinin d\u00fczenlenmesinin, merkezi ihbar mekanizmalar\u0131n\u0131n geli\u015ftirilmesinin ve suistimale y\u00f6nelik denetimlerin art\u0131r\u0131lmas\u0131n\u0131n \u00f6nemli ad\u0131mlar oldu\u011funu a\u00e7\u0131klad\u0131. At\u0131lan ad\u0131mlar\u0131n daha \u015feffaf, g\u00fcvenilir ve s\u00fcrd\u00fcr\u00fclebilir bir sigorta sistemi a\u00e7\u0131s\u0131ndan \u00f6nem ta\u015f\u0131d\u0131\u011f\u0131 dile getiren Balta, Sigortamedya i\u00e7in haz\u0131rlad\u0131\u011f\u0131 yaz\u0131s\u0131nda \u00f6nemli de\u011ferlendirmelerde bulundu.\u00a0<\/p>\n<p class=\"wp-block-paragraph\">\u201c<strong>Bu m\u00fccadele yaln\u0131zca hasar\u0131n ihbar\u0131, ekspertizi ve tazminat s\u00fcreciyle s\u0131n\u0131rl\u0131 kalmamal\u0131d\u0131r.<\/strong> \u015eimdi \u015fu soruyu a\u00e7\u0131k\u00e7a sorman\u0131n zaman\u0131d\u0131r:<\/p>\n<p class=\"wp-block-paragraph\"><strong>Hasar sisteminde suistimalle m\u00fccadele ediyorsak, uyu\u015fmazl\u0131\u011f\u0131n Sigorta Tahkim Komisyonu\u2019na ta\u015f\u0131nmas\u0131yla bu m\u00fccadele sona erebilir mi?<\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>Elbette hay\u0131r.<\/strong> \u00c7\u00fcnk\u00fc sigorta sistemi; hasar ihbar\u0131ndan ekspertize, sigorta \u015firketinin de\u011ferlendirmesinden tazminat talebine, temsil ve vek\u00e2let s\u00fcre\u00e7lerinden Sigorta Tahkim Komisyonu\u2019na yap\u0131lan ba\u015fvuruya, hakeme ve bilirki\u015fiye kadar birbirine ba\u011fl\u0131 b\u00fcy\u00fck bir b\u00fct\u00fcnd\u00fcr. <strong>Bir halkay\u0131 g\u00fc\u00e7lendirirken di\u011fer halkalardaki yap\u0131sal sorunlar\u0131 g\u00f6rmezden gelirsek, ger\u00e7ek anlamda b\u00fct\u00fcnc\u00fcl bir reformdan s\u00f6z edemeyiz.<\/strong><\/p>\n<h4 class=\"wp-block-heading\"><strong>S\u0130GORTA TAHK\u0130M KOM\u0130SYONU,\u00a0S\u0130STEM\u0130N EN \u00d6NEML\u0130 G\u00dcVEN\u00a0KAPILARINDAN B\u0130R\u0130D\u0130R<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Sigorta Tahkim Komisyonu, sigorta uyu\u015fmazl\u0131klar\u0131n\u0131n daha h\u0131zl\u0131 ve etkin bi\u00e7imde \u00e7\u00f6z\u00fclebilmesi a\u00e7\u0131s\u0131ndan son derece \u00f6nemli bir kurumsal mekanizmad\u0131r.<\/p>\n<p class=\"wp-block-paragraph\">Bu nedenle sigorta tahkim sistemindeki sorunlar\u0131 konu\u015fmak, Komisyonu y\u0131pratmak olarak g\u00f6r\u00fclmemelidir.<\/p>\n<p class=\"wp-block-paragraph\">Tam tersine; <strong>Sigorta Tahkim Komisyonu\u2019nu g\u00fc\u00e7lendirmenin yolu, sistem i\u00e7erisindeki eksiklikleri a\u00e7\u0131k\u00e7a konu\u015fabilmek ve gerekli d\u00fczenlemeleri zaman\u0131nda yapabilmekten ge\u00e7er.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">\u0130htiyac\u0131m\u0131z olan; sigorta tahkim sisteminin b\u00fct\u00fcn akt\u00f6rlerine ayn\u0131 mesafeden yakla\u015fan, hak arama \u00f6zg\u00fcrl\u00fc\u011f\u00fcn\u00fc korurken suistimale alan b\u0131rakmayan, ba\u011f\u0131ms\u0131zl\u0131\u011f\u0131 ve mesleki itibar\u0131 g\u00fcvence alt\u0131na alan daha \u015feffaf, \u00f6l\u00e7\u00fclebilir ve denetlenebilir bir yap\u0131d\u0131r.<\/p>\n<p class=\"wp-block-paragraph\"><strong>1 \u2014 HASAR DOSYASININ D\u0130J\u0130TAL HAFIZASI S\u0130GORTA TAHK\u0130M KOM\u0130SYONU\u2019NA BA\u015eVURULDU\u011eUNDA SIFIRLANMAMALIDIR<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Bir hasar dosyas\u0131n\u0131n hik\u00e2yesi, Sigorta Tahkim Komisyonu\u2019na ba\u015fvuruldu\u011fu g\u00fcn ba\u015flamaz.<\/p>\n<p class=\"wp-block-paragraph\">Kazan\u0131n, hasar ihbar\u0131n\u0131n, ekspertizin ba\u015flang\u0131\u00e7 ve tamamlanma tarihlerinin, sigorta \u015firketine yap\u0131lan ba\u015fvurular\u0131n, verilen cevaplar\u0131n ve ger\u00e7ekle\u015ftirilen \u00f6demelerin dijital izi kesintisiz \u015fekilde g\u00f6r\u00fclebilmelidir.<\/p>\n<p class=\"wp-block-paragraph\">B\u00f6ylece uyu\u015fmazl\u0131\u011f\u0131n ne zaman, hangi nedenle ve hangi a\u015famada ger\u00e7ekten do\u011fdu\u011fu somut veriler \u00fczerinden ortaya konulabilir.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Sigorta Tahkim Komisyonu\u2019na intikal eden dosya, hasar dosyas\u0131ndan kopuk yeni bir s\u00fcre\u00e7 de\u011fil; ayn\u0131 s\u00fcrecin devam\u0131 olarak ele al\u0131nmal\u0131d\u0131r.<\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>2 \u2014 GER\u00c7EK UYU\u015eMAZLIK \u0130LE GEREKS\u0130Z UYU\u015eMAZLIK AYRILMALIDIR<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Sigorta \u015firketinin eksik veya hatal\u0131 de\u011ferlendirmesi nedeniyle hakk\u0131n\u0131 alamayan vatanda\u015f\u0131n Sigorta Tahkim Komisyonu\u2019na eri\u015fiminin \u00f6n\u00fcne gereksiz hi\u00e7bir engel konulmamal\u0131d\u0131r.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Hak arama \u00f6zg\u00fcrl\u00fc\u011f\u00fc vazge\u00e7ilmezdir.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Ancak hen\u00fcz sonu\u00e7land\u0131r\u0131labilecek bir hasar s\u00fcrecinin, \u00e7\u00f6z\u00fcm imk\u00e2nlar\u0131 t\u00fcketilmeden uyu\u015fmazl\u0131\u011fa ta\u015f\u0131nmas\u0131 da sistem taraf\u0131ndan g\u00f6r\u00fclebilmelidir.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Sigorta tahkim sistemi ger\u00e7ek uyu\u015fmazl\u0131klar\u0131n etkin \u00e7\u00f6z\u00fcm mekanizmas\u0131 olmal\u0131; uyu\u015fmazl\u0131\u011f\u0131n kendisinin ekonomik de\u011fer \u00fcreten bir s\u00fcrece d\u00f6n\u00fc\u015fmesine izin verilmemelidir.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Bu ayr\u0131m do\u011fru kurulmad\u0131\u011f\u0131nda hem ger\u00e7ek hak sahipleri hem de sigorta tahkim sisteminin etkinli\u011fi zarar g\u00f6r\u00fcr.<\/p>\n<p class=\"wp-block-paragraph\"><strong>3 \u2014 HAK SAH\u0130B\u0130 KEND\u0130 DOSYASININ DI\u015eINDA BIRAKILMAMALIDIR<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Sigortal\u0131 veya hak sahibi; kendisi ad\u0131na ne talep edildi\u011fini, talep edilen tutar\u0131, ger\u00e7ekle\u015ftirilen i\u015flemleri ve dosyas\u0131n\u0131n hangi a\u015famada oldu\u011funu a\u00e7\u0131k\u00e7a g\u00f6rebilmelidir.<\/p>\n<p class=\"wp-block-paragraph\">Temsil ve vek\u00e2let, hukukun tan\u0131d\u0131\u011f\u0131 haklard\u0131r ve korunmal\u0131d\u0131r.<\/p>\n<p class=\"wp-block-paragraph\">Ancak temsil edilen ki\u015finin kendi dosyas\u0131na yabanc\u0131la\u015ft\u0131\u011f\u0131, ad\u0131na y\u00fcr\u00fct\u00fclen s\u00fcreci bilmedi\u011fi veya yap\u0131lan i\u015flemleri takip edemedi\u011fi bir yap\u0131 da sa\u011fl\u0131kl\u0131 de\u011fildir.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Hak arama \u00f6zg\u00fcrl\u00fc\u011f\u00fc korunurken, hak sahibinin kendi dosyas\u0131 \u00fczerindeki bilgi ve iradesi de korunmal\u0131d\u0131r.<\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>4 \u2014 SER\u0130 BA\u015eVURULAR VE OLA\u011eAN DI\u015eI DOSYA \u00d6R\u00dcNT\u00dcLER\u0130 VER\u0130YLE \u0130ZLENMEL\u0130D\u0130R<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Teknolojinin geldi\u011fi noktada binlerce dosyan\u0131n yaln\u0131zca tek tek incelenmesi yeterli de\u011fildir.<\/p>\n<p class=\"wp-block-paragraph\">Benzer talepler, tekrar eden dosya yap\u0131lar\u0131, ola\u011fan d\u0131\u015f\u0131 ba\u015fvuru yo\u011funluklar\u0131, m\u00fckerrerlik ihtimalleri ve sistematik \u00f6r\u00fcnt\u00fcler veri analiti\u011fi kullan\u0131larak takip edilebilmelidir.<\/p>\n<p class=\"wp-block-paragraph\">Ancak burada \u00e7ok \u00f6nemli bir s\u0131n\u0131r korunmal\u0131d\u0131r:<\/p>\n<p class=\"wp-block-paragraph\"><strong>Y\u00fcksek dosya say\u0131s\u0131 veya yo\u011fun faaliyet, tek ba\u015f\u0131na usuls\u00fczl\u00fck anlam\u0131na gelmez.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Veri, insanlar\u0131 pe\u015finen su\u00e7lamak i\u00e7in de\u011fil; incelenmesi gereken ola\u011fan d\u0131\u015f\u0131 durumlar\u0131 objektif bi\u00e7imde belirlemek i\u00e7in kullan\u0131lmal\u0131d\u0131r.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Denetim g\u00fc\u00e7lendirilirken me\u015fru hak arama faaliyeti bask\u0131 alt\u0131na al\u0131nmamal\u0131d\u0131r.<\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>5 \u2014 S\u0130GORTA \u015e\u0130RKETLER\u0130 DE DENET\u0130M\u0130N DI\u015eINDA TUTULMAMALIDIR<\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>Suistimalle m\u00fccadele tek y\u00f6nl\u00fc y\u00fcr\u00fct\u00fclemez.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Sigorta Tahkim Komisyonu\u2019na ta\u015f\u0131nan uyu\u015fmazl\u0131klar\u0131n say\u0131s\u0131 kadar, bu uyu\u015fmazl\u0131klar\u0131n neden do\u011fdu\u011fu da incelenmelidir.<\/p>\n<p class=\"wp-block-paragraph\">Ayn\u0131 veya benzer uyu\u015fmazl\u0131klar\u0131n s\u00fcrekli tekrar etti\u011fi durumlarda; eksik \u00f6deme, ge\u00e7 \u00f6deme, farkl\u0131 de\u011ferlendirme y\u00f6ntemleri, ileti\u015fim eksiklikleri veya gereksiz yere uzayan hasar s\u00fcre\u00e7lerinin bunda etkili olup olmad\u0131\u011f\u0131 analiz edilmelidir.<\/p>\n<p class=\"wp-block-paragraph\"><strong>E\u011fer \u00e7ok say\u0131da benzer dosya ayn\u0131 nedenle Sigorta Tahkim Komisyonu\u2019na ta\u015f\u0131n\u0131yorsa yaln\u0131zca ba\u015fvurulara de\u011fil, bu ba\u015fvurular\u0131 do\u011furan nedenlere de bak\u0131lmal\u0131d\u0131r.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Adil ve b\u00fct\u00fcnc\u00fcl denetim bunu gerektirir.<\/p>\n<p class=\"wp-block-paragraph\"><strong>6 \u2014 B\u0130L\u0130RK\u0130\u015e\u0130N\u0130N BA\u011eIMSIZ TEKN\u0130K KANAAT\u0130 G\u00dcVENCE ALTINA ALINMALIDIR<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Sigorta tahkim sisteminde bilirki\u015fiden ba\u011f\u0131ms\u0131z ve tarafs\u0131z teknik de\u011ferlendirme bekleniyorsa, bilirki\u015finin uzmanl\u0131k alan\u0131 ve mesleki kanaati de ayn\u0131 \u00f6l\u00e7\u00fcde g\u00fcvence alt\u0131nda olmal\u0131d\u0131r.<\/p>\n<p class=\"wp-block-paragraph\">Hakem; rapordaki eksikliklerin giderilmesini, \u00e7eli\u015fkilerin a\u00e7\u0131klanmas\u0131n\u0131 veya gerekti\u011finde ek rapor haz\u0131rlanmas\u0131n\u0131 isteyebilir. Ancak bu yetki, bilirki\u015finin uzmanl\u0131k alan\u0131ndaki teknik sonucu veya ula\u015faca\u011f\u0131 rakam\u0131 y\u00f6nlendirme arac\u0131na d\u00f6n\u00fc\u015fmemelidir.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Hakemin hukuki takdiri hakeme, bilirki\u015finin teknik kanaati bilirki\u015fiye ait olmal\u0131d\u0131r.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Bilirki\u015filere y\u00f6nelik disiplin ve yapt\u0131r\u0131m mekanizmalar\u0131 da teknik kanaati bask\u0131 alt\u0131na alan bir araca d\u00f6n\u00fc\u015fmemelidir.\u00a0<strong>Teknik g\u00f6r\u00fc\u015f farkl\u0131l\u0131\u011f\u0131 tek ba\u015f\u0131na disiplin ihlali say\u0131lamaz.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Bilirki\u015fi, ortaya koyaca\u011f\u0131 ba\u011f\u0131ms\u0131z teknik kanaatin hakem taraf\u0131ndan benimsenmemesi veya farkl\u0131 de\u011ferlendirilmesi nedeniyle Sigorta Tahkim Komisyonu\u2019na \u015fik\u00e2yet edilebilece\u011fi ve bunun sonucunda disiplin yapt\u0131r\u0131m\u0131yla kar\u015f\u0131la\u015fabilece\u011fi endi\u015fesiyle rapor haz\u0131rlamamal\u0131d\u0131r.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Bilirki\u015finin teknik kanaati; \u015fik\u00e2yet veya yapt\u0131r\u0131m kayg\u0131s\u0131yla de\u011fil, uzmanl\u0131\u011f\u0131, dosya kapsam\u0131ndaki somut veriler ve mesleki de\u011ferlendirmesi do\u011frultusunda \u00f6zg\u00fcrce \u015fekillenmelidir.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Kurumsal yaz\u0131\u015fma, mesleki nezaket ve sorumluluk kurallar\u0131 da yaln\u0131zca bilirki\u015filer i\u00e7in de\u011fil, hakemler d\u00e2hil sigorta tahkim sisteminin b\u00fct\u00fcn akt\u00f6rleri i\u00e7in ge\u00e7erli olmal\u0131d\u0131r.<\/p>\n<p class=\"wp-block-paragraph\">Bilirki\u015fiye y\u00f6nelik mesnetsiz su\u00e7lama, itham veya mesleki itibar\u0131n\u0131 zedeleyici davran\u0131\u015flar kar\u015f\u0131l\u0131ks\u0131z b\u0131rak\u0131lmamal\u0131; g\u00f6rev ve stat\u00fcye uygun etkili inceleme ve gerekti\u011finde yapt\u0131r\u0131m mekanizmalar\u0131 bulunmal\u0131d\u0131r.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Disiplin tek tarafl\u0131, sayg\u0131 tek y\u00f6nl\u00fc, sorumluluk yaln\u0131zca bilirki\u015fiye y\u00fcklenen bir sistem olmamal\u0131d\u0131r.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Bilirki\u015filik bir ba\u011fl\u0131 personel ili\u015fkisi de\u011fildir.\u00a0<strong>Bilirki\u015fi, hakemin istedi\u011fi sonucu \u00fcretmek i\u00e7in de\u011fil; uzmanl\u0131k alan\u0131ndaki teknik ger\u00e7e\u011fi ba\u011f\u0131ms\u0131z bi\u00e7imde ortaya koymak i\u00e7in g\u00f6revlendirilir.<\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>G\u00fc\u00e7l\u00fc bir Sigorta Tahkim Komisyonu; bask\u0131 alt\u0131nda \u00e7al\u0131\u015fan bilirki\u015fiyle de\u011fil, yetki alan\u0131na sayg\u0131 duyulan, mesleki itibar\u0131 korunan ve teknik kanaatini \u00f6zg\u00fcrce ortaya koyabilen ba\u011f\u0131ms\u0131z bilirki\u015fiyle m\u00fcmk\u00fcnd\u00fcr.<\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>7 \u2014 HAKEM\u0130N BA\u011eIMSIZLI\u011eI KADAR UYGULAMADA TUTARLILIK DA \u00d6NEML\u0130D\u0130R<\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>Hakem ba\u011f\u0131ms\u0131zl\u0131\u011f\u0131, sigorta tahkim sisteminin temelidir ve mutlaka korunmal\u0131d\u0131r.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Ancak benzer nitelikteki uyu\u015fmazl\u0131klarda birbirinden \u00f6nemli \u00f6l\u00e7\u00fcde farkl\u0131 uygulamalar\u0131n ortaya \u00e7\u0131kmas\u0131, hukuki \u00f6ng\u00f6r\u00fclebilirlik a\u00e7\u0131s\u0131ndan ayr\u0131ca de\u011ferlendirilmelidir.<\/p>\n<p class=\"wp-block-paragraph\">Hakemlerin ba\u011f\u0131ms\u0131zl\u0131\u011f\u0131na m\u00fcdahale edilmeden; mevzuat, yerle\u015fik yarg\u0131 kararlar\u0131 ve uygulama ilkeleri bak\u0131m\u0131ndan kurumsal bilgi altyap\u0131s\u0131 g\u00fc\u00e7lendirilmelidir.<\/p>\n<p class=\"wp-block-paragraph\">Ama\u00e7 hakemin karar\u0131n\u0131 belirlemek de\u011fil;<strong>ayn\u0131 hukuk d\u00fczeninde birbirinden kopuk uygulamalar\u0131 m\u00fcmk\u00fcn oldu\u011funca azaltmak ve \u00f6ng\u00f6r\u00fclebilirli\u011fi g\u00fc\u00e7lendirmektir.<\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>8 \u2014 DENET\u0130M VE SORUMLULUK B\u00dcT\u00dcN AKT\u00d6RLER \u0130\u00c7\u0130N GE\u00c7ERL\u0130 OLMALIDIR<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Sigorta \u015firketleri, temsil ve vek\u00e2let yap\u0131lar\u0131, bilirki\u015filer, hakemler ve Sigorta Tahkim Komisyonu s\u00fcrecinde g\u00f6rev alan di\u011fer akt\u00f6rler; kendi g\u00f6rev, yetki ve sorumluluklar\u0131 \u00f6l\u00e7\u00fcs\u00fcnde \u015feffafl\u0131k ve hesap verebilirlik ilkelerine tabi olmal\u0131d\u0131r.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Denetimin g\u00fcc\u00fc, herkese ayn\u0131 mesafede durmas\u0131ndan gelir.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Ki\u015fiye, unvana veya mesle\u011fe g\u00f6re de\u011fil; i\u015fleme, belgeye, veriye ve somut olguya g\u00f6re denetim yap\u0131lmal\u0131d\u0131r.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Suistimalle m\u00fccadelede esas olan meslek gruplar\u0131n\u0131 kar\u015f\u0131 kar\u015f\u0131ya getirmek de\u011fil; yanl\u0131\u015f yapan\u0131 somut verilerle ay\u0131r\u0131rken g\u00f6revini do\u011fru yapan\u0131 koruyabilmektir.<\/strong><\/p>\n<h5 class=\"wp-block-heading\"><strong>9 \u2014 YEN\u0130 D\u00d6NEM\u0130N ANAHTARI: \u015eEFFAFLIK, VER\u0130 VE BA\u011eIMSIZLIK<\/strong><\/h5>\n<p class=\"wp-block-paragraph\">Sigorta Tahkim Komisyonu\u2019nun ve sigorta tahkim sisteminin elinde son derece \u00f6nemli bir g\u00fc\u00e7 bulunmaktad\u0131r:<\/p>\n<p class=\"wp-block-paragraph\"><strong>Veri.<\/strong> Bu veri do\u011fru kullan\u0131ld\u0131\u011f\u0131nda hangi uyu\u015fmazl\u0131klar\u0131n artt\u0131\u011f\u0131, uyu\u015fmazl\u0131klar\u0131n hangi a\u015famada do\u011fdu\u011fu, hangi hasar t\u00fcrlerinin s\u00fcrekli Komisyona ta\u015f\u0131nd\u0131\u011f\u0131, s\u00fcre\u00e7lerin nerede t\u0131kand\u0131\u011f\u0131 ve hangi yap\u0131sal sorunlar\u0131n tekrar etti\u011fi g\u00f6r\u00fclebilir.<\/p>\n<p class=\"wp-block-paragraph\">Ki\u015fisel veriler, mesleki s\u0131rlar ve karar ba\u011f\u0131ms\u0131zl\u0131\u011f\u0131 korunarak haz\u0131rlanacak anonimle\u015ftirilmi\u015f istatistiklerin sekt\u00f6rle payla\u015f\u0131lmas\u0131 dahi sistemin geli\u015fimine \u00f6nemli katk\u0131 sa\u011flayabilir.<\/p>\n<p class=\"wp-block-paragraph\">\u00c7\u00fcnk\u00fc; <strong>\u00f6l\u00e7emedi\u011fimiz problemi sa\u011fl\u0131kl\u0131 bi\u00e7imde y\u00f6netemeyiz.<\/strong><\/p>\n<h4 class=\"wp-block-heading\"><strong>\u015e\u0130MD\u0130 B\u00dcT\u00dcNC\u00dcL D\u00d6N\u00dc\u015e\u00dcM ZAMANI<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">SEDDK\u2019n\u0131n ortaya koydu\u011fu m\u00fccadele iradesi, yaln\u0131zca baz\u0131 yanl\u0131\u015f uygulamalar\u0131n ortadan kald\u0131r\u0131lmas\u0131 olarak g\u00f6r\u00fclmemelidir.<\/p>\n<p class=\"wp-block-paragraph\">Bu s\u00fcre\u00e7, T\u00fcrk sigorta sekt\u00f6r\u00fcn\u00fcn hasar ve uyu\u015fmazl\u0131k mimarisini daha sa\u011flam temeller \u00fczerinde yeniden kurmak i\u00e7in \u00f6nemli bir f\u0131rsatt\u0131r.<\/p>\n<p class=\"wp-block-paragraph\">Hasar s\u00fcre\u00e7leri yeniden d\u00fczenleniyor, eksper atamalar\u0131 sistemle\u015fiyor, dijital takip imk\u00e2nlar\u0131 geli\u015fiyor ve suistimalle m\u00fccadele g\u00fc\u00e7leniyor.<\/p>\n<p class=\"wp-block-paragraph\"><strong>\u015eimdi ayn\u0131 iradenin, uyu\u015fmazl\u0131klar\u0131n Sigorta Tahkim Komisyonu\u2019na intikalinden sonu\u00e7land\u0131r\u0131lmas\u0131na kadar uzanan s\u00fcre\u00e7te de somut, dengeli ve b\u00fct\u00fcnc\u00fcl d\u00fczenlemelerle devam etmesi gerekir.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Bunu yaparken hassas denge mutlaka korunmal\u0131d\u0131r.<\/p>\n<p class=\"wp-block-paragraph\">Vatanda\u015f\u0131n ve ger\u00e7ek hak sahibinin hak arama \u00f6zg\u00fcrl\u00fc\u011f\u00fc, sigorta \u015firketlerinin hukuki haklar\u0131, hakemin karar ba\u011f\u0131ms\u0131zl\u0131\u011f\u0131, bilirki\u015finin teknik kanaati ve mesleki itibar\u0131 ile avukatl\u0131k ve temsil hakk\u0131 g\u00fcvence alt\u0131nda olmal\u0131d\u0131r.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Fakat ayn\u0131 zamanda sistem, hi\u00e7 kimsenin bo\u015fluklar\u0131ndan yararlanamayaca\u011f\u0131 kadar \u015feffaf, izlenebilir ve denetlenebilir h\u00e2le getirilmelidir.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">\u00c7\u00fcnk\u00fc g\u00fc\u00e7l\u00fc sistem, herkesi potansiyel su\u00e7lu g\u00f6ren sistem de\u011fildir.<\/p>\n<p class=\"wp-block-paragraph\"><strong>G\u00fc\u00e7l\u00fc sistem; ger\u00e7ek hak sahibinin hakk\u0131na ula\u015fabildi\u011fi ve sistemi k\u00f6t\u00fcye kullananlar\u0131n sistemin bo\u015fluklar\u0131n\u0131n arkas\u0131na saklanamad\u0131\u011f\u0131 sistemdir.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">SEDDK\u2019n\u0131n hasar taraf\u0131nda ortaya koydu\u011fu irade, Sigorta Tahkim Komisyonu s\u00fcrecinde de ayn\u0131 b\u00fct\u00fcnc\u00fcl anlay\u0131\u015fla devam ettirilirse bundan vatanda\u015f, sigortal\u0131, ma\u011fdur, sigorta \u015firketi, bilirki\u015fi, hakem ve nihayetinde T\u00fcrk sigorta sekt\u00f6r\u00fc kazanacakt\u0131r.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Art\u0131k ihtiya\u00e7 a\u00e7\u0131kt\u0131r:<\/strong> Hasardan Sigorta Tahkim Komisyonu\u2019na kadar uzanan s\u00fcre\u00e7;\u00a0<strong>ayn\u0131 \u015feffafl\u0131k, ayn\u0131 denetim anlay\u0131\u015f\u0131 ve ayn\u0131 sorumluluk ilkesiyle bir b\u00fct\u00fcn olarak ele al\u0131nmal\u0131d\u0131r.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Ger\u00e7ek hak sahibi korunmal\u0131, g\u00f6revini do\u011fru yapan meslek mensubu g\u00fcvence alt\u0131nda olmal\u0131; sistemin bo\u015fluklar\u0131n\u0131 k\u00f6t\u00fcye kullanan kim olursa olsun ayn\u0131 objektif \u00f6l\u00e7\u00fctlerle denetlenmelidir.<\/p>\n<p class=\"wp-block-paragraph\">\u00c7\u00fcnk\u00fc ger\u00e7ek reform, yaln\u0131zca denetimi art\u0131rmak de\u011fildir;\u00a0<strong>adaleti, ba\u011f\u0131ms\u0131zl\u0131\u011f\u0131, mesleki itibar\u0131 ve sisteme duyulan g\u00fcveni birlikte g\u00fc\u00e7lendirmektir.<\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>Hasarda ba\u015flayan \u015feffafl\u0131k zinciri, Sigorta Tahkim Komisyonu\u2019nun kap\u0131s\u0131nda kesilmemelidir.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Fhasardan-tahkime-seffaflik-zinciri-eksik-kalmamali%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>Hasar s\u00fcre\u00e7lerinde g\u00fc\u00e7lenen \u015feffafl\u0131k ve denetim anlay\u0131\u015f\u0131, Sigorta Tahkim Komisyonu\u2019nda da hakemden bilirki\u015fiye, vekilden ba\u015fvuru s\u00fcre\u00e7lerine kadar sistemin b\u00fct\u00fcn akt\u00f6rlerini kapsamal\u0131. Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu\u2019nun (SEDDK), sigorta hasar s\u00fcre\u00e7lerinin istismar edilmesine kar\u015f\u0131 ortaya koydu\u011fu kararl\u0131 iradenin<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1019","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1019","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1019"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1019\/revisions"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1019"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1019"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1019"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}