{"id":1049,"date":"2026-10-01T20:20:00","date_gmt":"2026-10-01T17:20:00","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=1049"},"modified":"2026-10-01T20:20:00","modified_gmt":"2026-10-01T17:20:00","slug":"seddkden-yangin-policelerine-yeni-duzenleme","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=1049","title":{"rendered":"SEDDK\u2019den yang\u0131n poli\u00e7elerine yeni d\u00fczenleme"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>SEDDK, yang\u0131n sigortas\u0131 poli\u00e7elerinde ana teminat ile ek teminatlar\u0131n tutar ve primlerinin ayr\u0131 g\u00f6sterilmesine ili\u015fkin esaslar\u0131 belirledi. Poli\u00e7elerde g\u00f6sterim ve Sigorta Bilgi ve G\u00f6zetim Merkezi\u2019ne veri aktar\u0131m\u0131 y\u00fck\u00fcml\u00fcl\u00fckleri, 1 Ocak 2027\u2019de y\u00fcr\u00fcrl\u00fc\u011fe girecek.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\"><strong>Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu (SEDDK)<\/strong>, <strong>\u201cYang\u0131n Sigortas\u0131 Poli\u00e7elerinde Teminat ve Prim Tutarlar\u0131n\u0131n G\u00f6sterimi ile Veri Aktar\u0131m\u0131na \u0130li\u015fkin Genelge\u201d<\/strong>yi yay\u0131mlad\u0131. 1 Ekim 2026 tarihli ve 2026\/29 say\u0131l\u0131 genelgeyle, yang\u0131n sigortas\u0131n\u0131n kapsam\u0131, poli\u00e7elerde teminat ve prim tutarlar\u0131n\u0131n g\u00f6sterimi ve Sigorta Bilgi ve G\u00f6zetim Merkezi\u2019ne (SBM) yap\u0131lacak veri aktar\u0131m\u0131na ili\u015fkin usul ve esaslar d\u00fczenlendi.<\/p>\n<p class=\"wp-block-paragraph\">Genelge, 18 Ekim 2019 tarihli ve 30922 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanan, SEDDK\u2019nin te\u015fkilat ve g\u00f6revlerini d\u00fczenleyen 47 say\u0131l\u0131 Cumhurba\u015fkanl\u0131\u011f\u0131 Kararnamesi\u2019nin 4\u2019\u00fcnc\u00fc ve 18\u2019inci maddelerine dayan\u0131larak haz\u0131rland\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Yang\u0131n sigortas\u0131n\u0131n kapsam\u0131 tan\u0131mland\u0131<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Genelgede yang\u0131n sigortas\u0131; hangi ad alt\u0131nda olursa olsun, Yang\u0131n Sigortas\u0131 Genel \u015eartlar\u0131\u2019na tabi olarak d\u00fczenlenen ve ana teminat\u0131 yang\u0131n, y\u0131ld\u0131r\u0131m, infilak veya yang\u0131n ve infilak sonucu meydana gelen duman, buhar ve hararetin sigortal\u0131 ta\u015f\u0131n\u0131r ve ta\u015f\u0131nmaz mallarda do\u011frudan neden oldu\u011fu maddi zararlar\u0131n kar\u015f\u0131lanmas\u0131 olan sigorta \u015feklinde tan\u0131mland\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Yang\u0131n ve infilak nedeniyle sigortal\u0131n\u0131n kom\u015fular\u0131na kar\u015f\u0131 sorumlulu\u011funun teminat alt\u0131na al\u0131nd\u0131\u011f\u0131 durumlar da d\u00fczenlemede yer ald\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Sigortal\u0131n\u0131n mal sahibi olmas\u0131 halinde kirac\u0131n\u0131n, kirac\u0131 olmas\u0131 halinde ise mal sahibinin zararlar\u0131na ili\u015fkin sorumluluk teminatlar\u0131n\u0131n yang\u0131n ve infilak riskine ait k\u0131sm\u0131n\u0131n da yang\u0131n sigortas\u0131 kapsam\u0131nda de\u011ferlendirilece\u011fi belirtildi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Ana teminat ile ek teminatlar ayr\u0131ld\u0131<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Yang\u0131n Sigortas\u0131 Genel \u015eartlar\u0131\u2019n\u0131n A.3 maddesi kapsam\u0131nda ek s\u00f6zle\u015fmeyle g\u00fcvence alt\u0131na al\u0131nabilen riskler ile poli\u00e7eye eklenen di\u011fer risklerin, yang\u0131n sigortas\u0131 ana teminat\u0131ndan ayr\u0131 ve ba\u011f\u0131ms\u0131z teminatlar oldu\u011fu vurguland\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Bu risklerin ayn\u0131 poli\u00e7ede ana teminatla birlikte yer almas\u0131n\u0131n, ana teminat\u0131n kapsam\u0131na d\u00e2hil olduklar\u0131 anlam\u0131na gelmedi\u011fi kaydedildi.<\/p>\n<p class=\"wp-block-paragraph\">Genelgeye g\u00f6re, A.3 maddesi kapsam\u0131nda ek s\u00f6zle\u015fmeyle teminat alt\u0131na al\u0131nan her bir riskin teminat tutar\u0131 ve bu teminatlar\u0131n tamam\u0131na ili\u015fkin toplam prim tutar\u0131, yang\u0131n sigortas\u0131 ana teminat\u0131n\u0131n teminat ve prim tutarlar\u0131ndan ayr\u0131 g\u00f6sterilecek.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Paket poli\u00e7elerdeki yang\u0131n teminatlar\u0131na a\u00e7\u0131kl\u0131k getirildi<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Yang\u0131n Sigortas\u0131 Genel \u015eartlar\u0131 d\u0131\u015f\u0131ndaki bir genel \u015farta g\u00f6re veya i\u015fin \u00f6zelli\u011fine uygun \u00f6zel \u015fartlarla d\u00fczenlenen sigorta s\u00f6zle\u015fmelerinde yang\u0131n, y\u0131ld\u0131r\u0131m ya da infilak risklerine kar\u015f\u0131 koruma sa\u011flanmas\u0131n\u0131n, tek ba\u015f\u0131na s\u00f6zle\u015fmenin yang\u0131n sigortas\u0131 olarak de\u011ferlendirilmesi sonucunu do\u011furmayaca\u011f\u0131 belirtildi.<\/p>\n<p class=\"wp-block-paragraph\">Paket poli\u00e7elerde de Yang\u0131n Sigortas\u0131 Genel \u015eartlar\u0131 d\u0131\u015f\u0131ndaki genel \u015fartlara tabi olarak verilen yang\u0131n, y\u0131ld\u0131r\u0131m veya infilak teminatlar\u0131n\u0131n yang\u0131n sigortas\u0131 olarak de\u011ferlendirilmeyece\u011fi ifade edildi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Her ek teminat\u0131n primi SBM\u2019ye iletilecek<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Sigorta \u015firketleri, A.3 maddesi kapsam\u0131nda ek s\u00f6zle\u015fmeyle g\u00fcvence alt\u0131na al\u0131nan her bir riskin teminat tutar\u0131n\u0131 ve her bir teminata ili\u015fkin prim tutar\u0131n\u0131, \u00fcretim verisi kapsam\u0131nda e\u015f zamanl\u0131 olarak SBM\u2019ye iletmekle y\u00fck\u00fcml\u00fc olacak.<\/p>\n<p class=\"wp-block-paragraph\">Veri aktar\u0131m\u0131, 18 Ekim 2022 tarihli ve 31987 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanan Sigortac\u0131l\u0131k Verilerinin Toplanmas\u0131, Saklanmas\u0131 ve Payla\u015f\u0131lmas\u0131na Dair Y\u00f6netmelik\u2019in 6\u2019nc\u0131 maddesine dayan\u0131larak yap\u0131lacak.<\/p>\n<p class=\"wp-block-paragraph\">\u015eirketler, bilgi sistemlerini teminat ve primlerin genelgede belirtilen kapsamda g\u00f6sterilmesini sa\u011flayacak \u015fekilde d\u00fczenleyecek. Poli\u00e7e ve SBM kay\u0131tlar\u0131 aras\u0131nda tutarl\u0131l\u0131\u011f\u0131 sa\u011flayan kay\u0131t ve kontrol mekanizmalar\u0131 kurularak verilerin do\u011fru ve eksiksiz iletilmesi sa\u011flanacak.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Yeni y\u00fck\u00fcml\u00fcl\u00fckler 1 Ocak 2027\u2019de ba\u015flayacak<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Genelgenin, teminat ve prim tutarlar\u0131n\u0131n ayr\u0131 g\u00f6sterilmesini d\u00fczenleyen 3\u2019\u00fcnc\u00fc maddesinin be\u015finci f\u0131kras\u0131 ile veri aktar\u0131m\u0131n\u0131 d\u00fczenleyen 4\u2019\u00fcnc\u00fc maddesi, 1 Ocak 2027\u2019de y\u00fcr\u00fcrl\u00fc\u011fe girecek. Di\u011fer h\u00fck\u00fcmler ise yay\u0131m tarihi olan 1 Ekim 2026 itibar\u0131yla y\u00fcr\u00fcrl\u00fc\u011fe girdi.<\/p>\n<p class=\"wp-block-paragraph\">Genelge h\u00fck\u00fcmlerini SEDDK Ba\u015fkan\u0131 y\u00fcr\u00fctecek.<\/p>\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Fseddkden-yangin-policelerine-yeni-duzenleme%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>SEDDK, yang\u0131n sigortas\u0131 poli\u00e7elerinde ana teminat ile ek teminatlar\u0131n tutar ve primlerinin ayr\u0131 g\u00f6sterilmesine ili\u015fkin esaslar\u0131 belirledi. Poli\u00e7elerde g\u00f6sterim ve Sigorta Bilgi ve G\u00f6zetim Merkezi\u2019ne veri aktar\u0131m\u0131 y\u00fck\u00fcml\u00fcl\u00fckleri, 1 Ocak 2027\u2019de y\u00fcr\u00fcrl\u00fc\u011fe girecek. Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme<\/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-1049","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1049","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=1049"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1049\/revisions"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1049"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1049"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1049"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}