{"id":1182,"date":"2026-10-28T09:32:32","date_gmt":"2026-10-28T06:32:32","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=1182"},"modified":"2026-10-28T09:32:32","modified_gmt":"2026-10-28T06:32:32","slug":"2030-hedeflerine-ulasmanin-yolu-sadelesmekten-ve-hizlanmaktan-geciyor","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=1182","title":{"rendered":"2030 hedeflerine ula\u015fman\u0131n yolu sadele\u015fmekten ve h\u0131zlanmaktan ge\u00e7iyor"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>HDI Sigorta, sigorta koruma a\u00e7\u0131\u011f\u0131n\u0131n<\/strong> <strong>arkas\u0131ndaki alg\u0131, bilgi ve davran\u0131\u015f bariyerlerini belirlemek amac\u0131yla Veri Enstit\u00fcs\u00fc i\u015f birli\u011fiyle \u201cT\u00fcrkiye\u2019de Sigorta Okuryazarl\u0131\u011f\u0131 Ara\u015ft\u0131rmas\u0131\u201d ger\u00e7ekle\u015ftirdi. Ara\u015ft\u0131rma sonu\u00e7lar\u0131ndan hareketle sigorta koruma a\u00e7\u0131\u011f\u0131n\u0131 azaltman\u0131n ve sekt\u00f6r\u00fcn 2030 hedeflerine ula\u015fmas\u0131n\u0131n yolunun sadele\u015fmekten ve h\u0131zlanmaktan ge\u00e7ti\u011fi vurguland\u0131.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\"><strong>S\u0130GORTAMEDYA \u00d6ZEL<\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>HDI Sigorta<\/strong>, g\u00fc\u00e7l\u00fc finansal performans\u0131n\u0131 ve yeni d\u00f6nem vizyonunu d\u00fczenledi\u011fi bir bas\u0131n toplant\u0131s\u0131 ile kamuoyuna duyurdu. <strong>HDI Sigorta CEO\u2019su Firuzan \u0130\u015fcan<\/strong> ve <strong>Veri Enstit\u00fcs\u00fc Y\u00f6netim Kurulu Ba\u015fkan\u0131 Bekir A\u011f\u0131rd\u0131r<\/strong>\u2019\u0131n s\u00f6zc\u00fcl\u00fc\u011f\u00fcnde ger\u00e7ekle\u015fen toplant\u0131da, <strong>\u201cT\u00fcrkiye\u2019de Sigorta Okuryazarl\u0131\u011f\u0131 Ara\u015ft\u0131rmas\u0131\u201d<\/strong> sonu\u00e7lar\u0131 payla\u015f\u0131l\u0131rken; \u015firketin gelecek d\u00f6nem stratejisinin merkezinde yer alan <strong>\u201cSadele\u015fme Vizyonu\u201d<\/strong> aktar\u0131ld\u0131. Toplant\u0131da sekt\u00f6r\u00fcn g\u00fcncel durum ve gelecek hedeflerini de\u011ferlendiren HDI Sigorta CEO\u2019su Firuzan \u0130\u015fcan, \u201cT\u00fcrkiye\u2019de sigortal\u0131l\u0131k oran\u0131n\u0131n d\u00fc\u015f\u00fckl\u00fc\u011f\u00fc ile deprem ve sel gibi felaketler, bireyler, haneler ve KOB\u0130\u2019ler ba\u015fta olmak \u00fczere toplumun bir\u00e7ok kesiminde finansal k\u0131r\u0131lganl\u0131\u011fa neden oluyor.\u00a0 \u00dclkemizde hali haz\u0131rda y\u00fczde 2,62 seviyesinde olan sigortal\u0131l\u0131k oran\u0131 katetmemiz gereken bir yol oldu\u011funu g\u00f6steriyor. T\u00fcrkiye Sigorta Birli\u011fi\u2019nin (TSB) 2030 vizyonu do\u011frultusunda bu oran\u0131 y\u00fczde 4,7\u2019ye y\u00fckselterek pazar\u0131 b\u00fcy\u00fctmek sekt\u00f6r olarak ortak hedefimiz. Bu hedefe ula\u015fman\u0131n yolu ise \u00fclkemizdeki sigorta koruma a\u00e7\u0131\u011f\u0131n\u0131 azaltmaktan ge\u00e7iyor. Bu kavram k\u0131saca; olas\u0131 felaketler ve riskler kar\u015f\u0131s\u0131nda bireylerin, KOB\u0130\u2019lerin ve konutlar\u0131n ihtiya\u00e7 duydu\u011fu g\u00fcvence ile mevcut sigorta korumas\u0131 aras\u0131ndaki fark\u0131 ifade ediyor. Hanelerimizin ve i\u015fletmelerimizin finansal devaml\u0131l\u0131\u011f\u0131n\u0131 riske atan bu a\u00e7\u0131\u011f\u0131 kapatmak i\u00e7in \u00f6ncelikle toplumdaki alg\u0131 ve bilgi bariyerlerini a\u015fmal\u0131y\u0131z. S\u00f6z konusu bariyerleri anlamak ve sekt\u00f6re y\u00f6n verecek do\u011fru \u00e7\u00f6z\u00fcmleri \u00fcretmek ad\u0131na Veri Enstit\u00fcs\u00fc ile ger\u00e7ekle\u015ftirdi\u011fimiz bu ara\u015ft\u0131rma bize net bir \u015fekilde g\u00f6steriyor ki; T\u00fcrkiye\u2019de sigorta koruma a\u00e7\u0131\u011f\u0131n\u0131 azaltmay\u0131 ve sekt\u00f6rel b\u00fcy\u00fcmeyi destekleyecek en \u00f6nemli unsurlar\u0131n ba\u015f\u0131nda sigortac\u0131l\u0131kta sadele\u015fme geliyor \u201ddedi.<\/p>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" loading=\"lazy\" width=\"855\" height=\"570\" src=\"https:\/\/sigortamedya.com.tr\/wp-content\/uploads\/2026\/10\/HDI-Sigorta-CEOsu-Firuzan-Iscan-1-855x570.jpg\" alt=\"\" class=\"wp-image-133514\" \/><\/figure>\n<h4 class=\"wp-block-heading\"><strong>Rakamlar\u0131m\u0131z finansal g\u00fcc\u00fcn ne kadar\u00a0sa\u011flam temellere oturdu\u011funu g\u00f6steriyor<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">HDI Sigorta\u2019n\u0131n ba\u015far\u0131 yolculu\u011funu ve finansal yap\u0131s\u0131n\u0131 da de\u011ferlendiren \u0130\u015fcan s\u00f6zlerini \u015f\u00f6yle s\u00fcrd\u00fcrd\u00fc: \u201cAvrupa\u2019n\u0131n 6\u2019nc\u0131 b\u00fcy\u00fck sigorta grubu olan ana hissedar\u0131m\u0131z Talanx, T\u00fcrkiye pazar\u0131na ve potansiyeline son derece g\u00fc\u00e7l\u00fc bir inan\u00e7 duyuyor. Grubumuzdan ald\u0131\u011f\u0131m\u0131z bu k\u00fcresel g\u00fc\u00e7le hayat d\u0131\u015f\u0131 (sa\u011fl\u0131k bran\u015f\u0131 hari\u00e7) bran\u015fta pazar pay\u0131m\u0131z\u0131 y\u00fczde 5,6\u2019ya \u00e7\u0131kararak sekt\u00f6rde ilk 5 \u015firket aras\u0131ndaki yerimizi sa\u011flamla\u015ft\u0131rd\u0131k. \u00d6zsermaye yeterlilik oran\u0131m\u0131z\u0131 son 3 y\u0131lda y\u00fczde 88\u2019den y\u00fczde 133,1\u2019e y\u00fckseltmemiz, m\u00fc\u015fterilerimize ve payda\u015flar\u0131m\u0131za sundu\u011fumuz finansal g\u00fcc\u00fcn ne kadar sa\u011flam temellere dayand\u0131\u011f\u0131n\u0131 a\u00e7\u0131k\u00e7a ortaya koyuyor\u201d.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cAnla\u015f\u0131lmayan \u00fcr\u00fcn, sat\u0131n al\u0131m\u0131 ya erteletiyor ya da engelliyor\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">\u201cT\u00fcrkiye\u2019de Sigorta Okuryazarl\u0131\u011f\u0131 Ara\u015ft\u0131rmas\u0131\u201d sonu\u00e7lar\u0131n\u0131 ve \u00f6ne \u00e7\u0131kan bulgular\u0131 de\u011ferlendiren Veri Enstit\u00fcs\u00fc Y\u00f6netim Kurulu Ba\u015fkan\u0131 Bekir A\u011f\u0131rd\u0131r, \u201cHDI Sigorta ile ger\u00e7ekle\u015ftirdi\u011fimiz bu \u00e7al\u0131\u015fmada \u00fc\u00e7 temel noktaya odakland\u0131k: Toplumun sigortayla kurdu\u011fu ili\u015fki; alg\u0131, bilgi ve okuryazarl\u0131k d\u00fczeyi ile anla\u015f\u0131labilirli\u011fin karar ve davran\u0131\u015flara etkisi. \u00c7al\u0131\u015fmam\u0131z yaln\u0131zca t\u00fcketicilerin sigorta bilgisini \u00f6l\u00e7m\u00fcyor; sigortac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn toplumla kurdu\u011fu ili\u015fkiye dair de \u00e7ok \u00f6nemli bir foto\u011fraf sunuyor\u201d dedi. Ara\u015ft\u0131rma sonu\u00e7lar\u0131n\u0131n toplumsal ve sekt\u00f6rel yans\u0131malar\u0131na dikkat \u00e7eken A\u011f\u0131rd\u0131r, s\u00f6zlerini \u015f\u00f6yle s\u00fcrd\u00fcrd\u00fc: \u201cAra\u015ft\u0131rmaya g\u00f6re \u00fclkemizde her iki ki\u015fiden biri sigortayla kendini g\u00fcvende hissetmesine kar\u015f\u0131n, her \u00fc\u00e7 ki\u015fiden biri temel sigorta sorular\u0131n\u0131n hi\u00e7birine do\u011fru yan\u0131t veremiyor. Sigorta sahiplerinin yar\u0131ya yak\u0131n\u0131 poli\u00e7e ifadelerini anlamakta zorlan\u0131rken, her \u00fc\u00e7 ki\u015fiden biri poli\u00e7esini hi\u00e7 okumuyor ya da sadece g\u00f6z gezdiriyor. En kritik bulgulardan biri ise T\u00fcrkiye\u2019de her be\u015f ki\u015fiden birinin sigorta \u00fcr\u00fcn\u00fcn\u00fc anlamad\u0131\u011f\u0131 i\u00e7in sat\u0131n alma karar\u0131n\u0131n do\u011frudan etkilenmesi. Anla\u015f\u0131lmayan \u00fcr\u00fcn, sat\u0131n al\u0131m\u0131 ya erteletiyor ya da engelliyor. Dolay\u0131s\u0131yla \u00fcr\u00fcn ve s\u00fcre\u00e7lerin sadele\u015ftirilmesi, sigortac\u0131l\u0131\u011f\u0131 g\u00fc\u00e7lendirmek a\u00e7\u0131s\u0131ndan hayati bir ad\u0131m.\u00a0 \u00c7al\u0131\u015fma, sadele\u015fmenin yaln\u0131zca bir dil ve ileti\u015fim tercihi olmad\u0131\u011f\u0131n\u0131; t\u00fcketicinin do\u011fru beklenti olu\u015fturmas\u0131 ve daha bilin\u00e7li karar vermesiyle do\u011frudan ili\u015fkili oldu\u011funu g\u00f6steriyor. Bu ara\u015ft\u0131rma HDI Sigorta\u2019n\u0131n \u00e7al\u0131\u015fmalar\u0131n\u0131n merkezine ald\u0131\u011f\u0131 sadele\u015fme yakla\u015f\u0131m\u0131n\u0131n \u00f6nemini verilerle g\u00f6r\u00fcn\u00fcr k\u0131larken, sekt\u00f6r\u00fcn b\u00fct\u00fcn\u00fc i\u00e7in de ortak bir geli\u015fim zemini olu\u015fturuyor.\u201d<\/p>\n<h4 class=\"wp-block-heading\"><strong>Sigorta okuryazarl\u0131\u011f\u0131 d\u00f6nemsel olarak takip edilecek<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Ara\u015ft\u0131rma kapsam\u0131nda, toplumun sigorta konusundaki <strong>Bilgi<\/strong>, <strong>Tutum<\/strong> ve <strong>Davran\u0131\u015f<\/strong> boyutlar\u0131n\u0131\u00a0 0-100 aras\u0131nda tek bir skorla \u00f6l\u00e7en <strong>Sigorta Okuryazarl\u0131\u011f\u0131 Endeksi (SOE)<\/strong> geli\u015ftirildi. \u00c7al\u0131\u015fma sonu\u00e7lar\u0131na g\u00f6re T\u00fcrkiye\u2019nin Genel Sigorta Okuryazarl\u0131\u011f\u0131 Endeksi <strong>50,4<\/strong> puan seviyesinde kal\u0131rken, bu skor sigorta sahiplerinde <strong>55,1<\/strong> olarak kaydedildi. T\u00fcrkiye genelinde toplumun <strong>%44,8\u2019i d\u00fc\u015f\u00fck<\/strong>, <strong>%42,6\u2019s\u0131 orta<\/strong>, <strong>%12,6\u2019s\u0131 ise y\u00fcksek<\/strong> okuryazarl\u0131k d\u00fczeyinde yer al\u0131yor. HDI Sigorta, bu ara\u015ft\u0131rmay\u0131\u00a0 d\u00f6nemsel olarak yineleyerek toplumsal okuryazarl\u0131ktaki geli\u015fimi periyodik olarak takip etmeyi hedefliyor.<\/p>\n<h4 class=\"wp-block-heading\"><strong>M\u00fc\u015fteri deneyiminde yeni d\u00f6nem; Sadele\u015fme<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Ara\u015ft\u0131rma verileri ve endeks sonu\u00e7lar\u0131n\u0131n net bir mesaj verdi\u011fini vurgulayan <strong>Firuzan \u0130\u015fcan<\/strong>, HDI Sigorta\u2019n\u0131n yeni d\u00f6nem stratejisini \u015fu s\u00f6zlerle aktard\u0131: \u201cAra\u015ft\u0131rma bize \u015funu a\u00e7\u0131k\u00e7a g\u00f6steriyor: Poli\u00e7eleri, dili ve s\u00fcre\u00e7leri sadele\u015ftirmek ve \u00e7\u00f6z\u00fcmleri h\u0131zland\u0131rmak; toplumsal fark\u0131ndal\u0131\u011f\u0131 art\u0131rarak sigorta koruma a\u00e7\u0131\u011f\u0131n\u0131 azaltmaya \u00f6nemli katk\u0131 sa\u011flayacak. M\u00fc\u015fterilerimizden h\u0131zl\u0131 \u00f6\u011frenmek, h\u0131zl\u0131 karar almak ve \u00e7\u00f6z\u00fcmleri sahaya h\u0131zla yans\u0131tmak zorunday\u0131z. Amac\u0131m\u0131z, sigortay\u0131 karma\u015f\u0131k bir i\u015flem olmaktan \u00e7\u0131kar\u0131p herkes i\u00e7in anla\u015f\u0131l\u0131r ve eri\u015filebilir bir yap\u0131ya d\u00f6n\u00fc\u015ft\u00fcrmek. Bu do\u011frultuda t\u00fcm operasyonumuzun merkezine m\u00fc\u015fteri deneyimini alarak <strong>Sadele\u015fme Vizyonumuzu<\/strong> hayata ge\u00e7iriyoruz.\u201d<\/p>\n<h4 class=\"wp-block-heading\"><strong>D\u00f6n\u00fc\u015f\u00fcm hamlesini 5 stratejik odak alanda y\u00fcr\u00fct\u00fcyor<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">HDI Sigorta; ba\u015flatt\u0131\u011f\u0131 bu d\u00f6n\u00fc\u015f\u00fcm hamlesini <strong>M\u00fc\u015fteri Deneyimi, \u00dcr\u00fcn ve Hizmetler, Dijitalle\u015fme, \u0130nsan ve K\u00fclt\u00fcr Y\u00f6netimi ile Marka S\u00fcre\u00e7leri<\/strong> olmak \u00fczere 5 stratejik odak alanda y\u00fcr\u00fct\u00fcyor. Bu kapsamda; m\u00fc\u015fteriler, acenteler ve \u00e7al\u0131\u015fanlar ba\u015fta olmak \u00fczere t\u00fcm payda\u015flar i\u00e7in s\u00fcre\u00e7ler yeniden ele al\u0131n\u0131yor. M\u00fc\u015fteri deneyiminin merkezine operasyonel m\u00fckemmellik yerle\u015ftirilerek; daha \u00e7evik, sade, tutarl\u0131 ve b\u00fct\u00fcnc\u00fcl bir hizmet modeli kurgulan\u0131yor. T\u00fcketicilerin sigortaya eri\u015fimini art\u0131rmak ve b\u00fct\u00e7e engeline tak\u0131lmalar\u0131n\u0131 \u00f6nlemek amac\u0131yla esnek teminatl\u0131, kolay anla\u015f\u0131l\u0131r i\u00e7erikli yenilik\u00e7i ve mod\u00fcler \u00fcr\u00fcnler ile h\u0131zl\u0131 fiyatland\u0131rma mekanizmalar\u0131 \u00fczerinde \u00e7al\u0131\u015f\u0131l\u0131yor.\u00a0 \u0130\u015flem s\u00fcrelerini saniyelere indiren g\u00fc\u00e7l\u00fc teknolojik altyap\u0131 sayesinde teklif, poli\u00e7e, hasar ve tahsilat s\u00fcre\u00e7leri tek bir platformda birle\u015ftiriliyor. Hasar taraf\u0131nda ise yapay zek\u00e2 destekli sahte hasar tespiti, g\u00f6r\u00fcnt\u00fc i\u015fleme teknolojileriyle uzaktan ekspertiz ve mobil bildirim \u00e7\u00f6z\u00fcmleriyle s\u00fcre\u00e7ler \u00f6nemli \u00f6l\u00e7\u00fcde h\u0131zland\u0131r\u0131l\u0131yor. T\u00fcm bu dijital altyap\u0131 ve otomasyon \u00e7\u00f6z\u00fcmleriyle acentelerin operasyonel y\u00fck\u00fc hafifletilirken; acentelik yap\u0131s\u0131n\u0131n veriyi daha etkin kullanan, m\u00fc\u015fteri ihtiyac\u0131n\u0131 \u00f6ng\u00f6ren ve sigortay\u0131 ya\u015fam d\u00f6ng\u00fcs\u00fcne do\u011fru entegre eden birer \u201cstratejik risk dan\u0131\u015fman\u0131\u201d haline gelmesi destekleniyor. \u00c7evik karar alma mekanizmalar\u0131 ve \u00e7\u00f6z\u00fcm odakl\u0131 organizasyon yap\u0131s\u0131yla da sahadan gelen m\u00fc\u015fteri ve acente taleplerine an\u0131nda yan\u0131t veren y\u00fcksek performansl\u0131 bir kurum k\u00fclt\u00fcr\u00fc hedefleniyor.\u00a0<\/p>\n<h4 class=\"wp-block-heading\"><strong>T\u00fcrkiye\u2019de Sigorta Okuryazarl\u0131\u011f\u0131 Ara\u015ft\u0131rmas\u0131\u2019nda \u00f6ne \u00e7\u0131kan sonu\u00e7lar<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">HDI Sigorta i\u015f birli\u011fiyle Veri Enstit\u00fcs\u00fc taraf\u0131ndan ger\u00e7ekle\u015ftirilen <strong>\u201cT\u00fcrkiye\u2019de Sigorta Okuryazarl\u0131\u011f\u0131 Ara\u015ft\u0131rmas\u0131\u201d<\/strong>, 18 ya\u015f ve \u00fczeri T\u00fcrkiye genelini temsil eden 1.200 ki\u015filik ana \u00f6rneklem ile sigorta sahibi 300 ki\u015filik ek \u00f6rneklem dahil edilerek toplam <strong>1.500 ki\u015fi<\/strong> ile y\u00fcr\u00fct\u00fcld\u00fc. Toplumun sigorta alg\u0131s\u0131n\u0131, bilgi d\u00fczeyini ve okuryazarl\u0131k oran\u0131n\u0131 analiz eden ara\u015ft\u0131rmadan \u00f6ne \u00e7\u0131kan temel bulgular \u015fu \u015fekilde:\u00a0<\/p>\n<h4 class=\"wp-block-heading\"><strong>G\u00fcvence aray\u0131\u015f\u0131nda geleneksel birikimler ilk s\u0131rada, sigorta ilk d\u00f6rtte:<\/strong><\/h4>\n<ul class=\"wp-block-list\">\n<li>\u201cHayat\u0131n getirebilece\u011fi beklenmedik durumlara kar\u015f\u0131 kendinizi veya hanenizi g\u00fcvence alt\u0131na almak i\u00e7in ne yap\u0131yorsunuz?\u201d sorusuna T\u00fcrkiye genelinde en \u00e7ok verilen ilk iki yan\u0131t <strong>nakit veya banka birikimi (%46)<\/strong> ile <strong>alt\u0131n veya d\u00f6viz birikimi (%45)<\/strong> oluyor.\u00a0<\/li>\n<li>Toplumun finansal korunma reflekslerinde geleneksel birikim y\u00f6ntemleri ba\u015f\u0131 \u00e7ekerken; kurumsal g\u00fcvence mekanizmalar\u0131ndan <strong>sigorta yapt\u0131rma %21<\/strong> ve <strong>BES\u2019te birikim yapma %16<\/strong> oranlar\u0131yla en \u00e7ok tercih edilen ilk 4 y\u00f6ntem aras\u0131nda yer al\u0131yor.<\/li>\n<\/ul>\n<h4 class=\"wp-block-heading\"><strong>Sigortas\u0131zl\u0131\u011f\u0131n \u00f6n\u00fcndeki en b\u00fcy\u00fck engel b\u00fct\u00e7e:<\/strong><\/h4>\n<ul class=\"wp-block-list\">\n<li>Sigorta \u00fcr\u00fcn\u00fc bulunmayan bireylerde en belirgin engeller <strong>b\u00fct\u00e7e yetersizli\u011fi (%44)<\/strong> ve <strong>fiyatlar\u0131n y\u00fcksek bulunmas\u0131 (%43)<\/strong> olarak \u00f6ne \u00e7\u0131k\u0131yor.\u00a0<\/li>\n<\/ul>\n<h4 class=\"wp-block-heading\"><strong>Her iki ki\u015fiden biri sigortay\u0131 tavsiye ediyor ve kendini g\u00fcvende hissediyor:<\/strong>\u00a0<\/h4>\n<ul class=\"wp-block-list\">\n<li>Ara\u015ft\u0131rma sonu\u00e7lar\u0131, sigortaya y\u00f6nelik toplumsal g\u00fcvenin ve memnuniyetin y\u00fcksek bir potansiyele sahip oldu\u011funu g\u00f6steriyor. T\u00fcrkiye genelinde <strong>her iki ki\u015fiden yakla\u015f\u0131k biri<\/strong> <strong>(%46)<\/strong> sigorta yapt\u0131rmay\u0131 yak\u0131n \u00e7evresine g\u00fc\u00e7l\u00fc bi\u00e7imde <strong>tavsiye ediyor.<\/strong><\/li>\n<li>Toplumun <strong>%57\u2019si<\/strong> bir sigorta \u00fcr\u00fcn\u00fcne sahip olman\u0131n kendilerini beklenmedik durumlara kar\u015f\u0131 b\u00fcy\u00fck \u00f6l\u00e7\u00fcde veya <strong>tamamen g\u00fcvende hissettirdi\u011fini<\/strong> belirtiyor.<\/li>\n<\/ul>\n<h4 class=\"wp-block-heading\"><strong>Sigortaya olumlu yakla\u015f\u0131mda anla\u015f\u0131l\u0131r poli\u00e7e ve h\u0131zl\u0131 s\u00fcre\u00e7 kritik rol oynuyor:<\/strong>\u00a0<\/h4>\n<ul class=\"wp-block-list\">\n<li>Sigorta sahiplerinin sekt\u00f6re daha olumlu yakla\u015fmas\u0131n\u0131 sa\u011flayan etkenlerin ba\u015f\u0131nda <strong>fiyatlar\u0131n makul olmas\u0131 (%60)<\/strong> ve <strong>poli\u00e7elerin a\u00e7\u0131k ve anla\u015f\u0131l\u0131r olmas\u0131 (%50)<\/strong> geliyor. Bu unsurlar\u0131 <strong>hasar s\u00fcrecinin h\u0131zl\u0131 ve sorunsuz ilerlemesi (%30)<\/strong> takip ediyor.<\/li>\n<\/ul>\n<h4 class=\"wp-block-heading\"><strong>Her iki sigortal\u0131dan biri poli\u00e7e dilini anlamakta zorlan\u0131yor:<\/strong>\u00a0<\/h4>\n<ul class=\"wp-block-list\">\n<li>Sigorta sahiplerinin neredeyse yar\u0131s\u0131 <strong>(%47)<\/strong> poli\u00e7e veya belgelerdeki ifadeleri anlamakta zorland\u0131\u011f\u0131n\u0131 belirtiyor. Karma\u015f\u0131kl\u0131\u011f\u0131n ana nedeni olarak <strong>teknik terimler (%33)<\/strong> ile <strong>mevzuat ve yasal ifadeler (%22)<\/strong> g\u00f6sterilirken, t\u00fcketicilerin en \u00e7ok anlamakta zorland\u0131\u011f\u0131 kavramlar\u0131n ba\u015f\u0131nda <strong>r\u00fccu (%49)<\/strong> ve <strong>zeyilname (%38)<\/strong> geliyor.<\/li>\n<\/ul>\n<h4 class=\"wp-block-heading\"><strong>Ger\u00e7ek bilgi d\u00fczeyi zay\u0131f:<\/strong>\u00a0<\/h4>\n<ul class=\"wp-block-list\">\n<li>Ara\u015ft\u0131rma kapsam\u0131nda uygulanan bilgi testinde, her 3 ki\u015fiden biri temel sigorta sorular\u0131n\u0131n hi\u00e7birine do\u011fru yan\u0131t veremiyor. \u2018Muafiyet\u2019, \u2018r\u00fccu\u2019, \u2018rayi\u00e7 de\u011fer\u2019, \u2018eksik sigorta\u2019 ve \u2018trafik sigortas\u0131 teminat kapsam\u0131\u2019n\u0131 i\u00e7eren 5 temel soruda sigorta sahibi olmayanlar\u0131n <strong>%80\u2019den fazlas\u0131<\/strong> hi\u00e7bir soruya do\u011fru yan\u0131t veremiyor.\u00a0<\/li>\n<li>Sigorta sahipleri \u00f6zelinde ise <strong>%61\u2019i muafiyet<\/strong> kavram\u0131n\u0131, <strong>%76\u2019s\u0131 eksik sigorta<\/strong> durumundaki \u00f6deme kural\u0131n\u0131, <strong>%56\u2019s\u0131 ise Zorunlu Trafik Sigortas\u0131n\u0131n<\/strong> kendi ara\u00e7 hasarlar\u0131n\u0131 kar\u015f\u0131lamad\u0131\u011f\u0131n\u0131 bilmiyor ya da yanl\u0131\u015f yan\u0131tl\u0131yor.<\/li>\n<\/ul>\n<h4 class=\"wp-block-heading\"><strong>Poli\u00e7eler tam okunmuyor, en b\u00fcy\u00fck engel metin uzunlu\u011fu ve teknik dil:<\/strong>\u00a0<\/h4>\n<ul class=\"wp-block-list\">\n<li>Son 12 ayda poli\u00e7e sat\u0131n alan veya yenileyen ki\u015filerin yaln\u0131zca %14\u201315\u2019i poli\u00e7esini tamamen okurken, her 3 ki\u015fiden biri poli\u00e7esini hi\u00e7 okumuyor (%10) veya yaln\u0131zca g\u00f6z gezdiriyor (%25). Poli\u00e7eyi tam olarak okumama gerek\u00e7elerinde ise ba\u015f\u0131 metinlerin \u00e7ok uzun olmas\u0131 (%44\u201348) \u00e7ekerken, bunu acentenin a\u00e7\u0131klamas\u0131n\u0131 yeterli g\u00f6rme (%33\u201335) ve kullan\u0131lan teknik\/hukuki dil ile terimleri anlamakta zorlanma (%31\u201332) takip ediyor.<\/li>\n<\/ul>\n<h4 class=\"wp-block-heading\"><strong>Anla\u015f\u0131lmayan \u00fcr\u00fcn sat\u0131n almay\u0131 erteletiyor ya da vazge\u00e7tiriyor:<\/strong>\u00a0<\/h4>\n<ul class=\"wp-block-list\">\n<li>T\u00fcrkiye\u2019de her 5 ki\u015fiden biri sigorta \u00fcr\u00fcn\u00fcn\u00fc tam olarak anlamad\u0131\u011f\u0131 i\u00e7in sat\u0131n alma karar\u0131n\u0131n etkilendi\u011fini ifade ediyor. \u00dcr\u00fcn\u00fc tam anlamad\u0131\u011f\u0131 i\u00e7in karar\u0131 etkilenen t\u00fcketiciler en s\u0131k sat\u0131n almay\u0131 erteleme (T\u00fcrkiye geneli %61, sigorta sahipleri %55) veya sat\u0131n almaktan tamamen vazge\u00e7me (T\u00fcrkiye geneli %38, sigorta sahipleri %35) yoluna gidiyor.<\/li>\n<\/ul>\n<h4 class=\"wp-block-heading\"><strong>T\u00fcketici karma\u015f\u0131k kapsam yerine net ve anla\u015f\u0131l\u0131r poli\u00e7eyi tercih ediyor:<\/strong>\u00a0<\/h4>\n<ul class=\"wp-block-list\">\n<li>Ayn\u0131 fiyat ko\u015fulunda, T\u00fcrkiye genelinde kat\u0131l\u0131mc\u0131lar\u0131n yar\u0131ya yak\u0131n\u0131 (%49), kapsam\u0131 daha s\u0131n\u0131rl\u0131 olsa da neyin kapsand\u0131\u011f\u0131 a\u00e7\u0131k ve net anlat\u0131lan poli\u00e7eyi tercih ediyor.<\/li>\n<\/ul>\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2F2030-hedeflerine-ulasmanin-yolu-sadelesmekten-ve-hizlanmaktan-geciyor%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>HDI Sigorta, sigorta koruma a\u00e7\u0131\u011f\u0131n\u0131n arkas\u0131ndaki alg\u0131, bilgi ve davran\u0131\u015f bariyerlerini belirlemek amac\u0131yla Veri Enstit\u00fcs\u00fc i\u015f birli\u011fiyle \u201cT\u00fcrkiye\u2019de Sigorta Okuryazarl\u0131\u011f\u0131 Ara\u015ft\u0131rmas\u0131\u201d ger\u00e7ekle\u015ftirdi. Ara\u015ft\u0131rma sonu\u00e7lar\u0131ndan hareketle sigorta koruma a\u00e7\u0131\u011f\u0131n\u0131 azaltman\u0131n ve sekt\u00f6r\u00fcn 2030 hedeflerine ula\u015fmas\u0131n\u0131n yolunun sadele\u015fmekten ve h\u0131zlanmaktan ge\u00e7ti\u011fi vurguland\u0131.<\/p>\n","protected":false},"author":1,"featured_media":1183,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1182","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1182","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=1182"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1182\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/media\/1183"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1182"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1182"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1182"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}