{"id":1214,"date":"2026-11-05T11:21:13","date_gmt":"2026-11-05T08:21:13","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=1214"},"modified":"2026-11-05T11:21:13","modified_gmt":"2026-11-05T08:21:13","slug":"zas-sigorta-sektorunun-yukunu-hafifletecek","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=1214","title":{"rendered":"ZAS, sigorta sekt\u00f6r\u00fcn\u00fcn y\u00fck\u00fcn\u00fc hafifletecek!"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>T\u00fcrkiye, \u00e7ok yak\u0131nda\u00a0 \u2018Zorunlu Afet Sigortas\u0131\u2019 (ZAS) ile tan\u0131\u015facak.\u00a0 ZAS, deprem d\u0131\u015f\u0131nda, sel ve di\u011fer do\u011fal afetler i\u00e7in de teminat verecek. Hayata ge\u00e7mesi halinde ge\u00e7ti\u011fimiz ay \u0130stanbul ve 4 ilde ya\u015fanan sel felaketi gibi felaketlerde hasar\u0131n b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fc art\u0131k Do\u011fal Afet Sigortalar\u0131 Kurumu (DASK) \u00f6deyecek.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\"><strong>ALP S\u00dcER\/S\u0130GORTAMEDYA \u00d6ZEL<\/strong><\/p>\n<p class=\"wp-block-paragraph\">\u0130stanbul\u2019la ba\u015fta olmak \u00fczere 5 ilimiz, ge\u00e7ti\u011fimiz ay \u00fcz\u00fcc\u00fc bir sel felaketi ya\u015fad\u0131. 14-15 Ekim\u2019de ya\u015fanan felaketin yaratt\u0131\u011f\u0131 manzara ge\u00e7mi\u015f y\u0131llardaki ile benzer. Bodrum katlar\u0131nda ya\u015fayanlar yan\u0131nda, i\u015f yerlerini su basan insanlar\u0131n \u00e7aresizli\u011fi, sele kap\u0131l\u0131p hayatlar\u0131n\u0131 kaybeden insanlar,\u00a0 su i\u00e7inde y\u00fczen ve b\u00fcy\u00fck hasar g\u00f6ren ara\u00e7lar, \u00f6zellikle Sar\u0131yer-Ayaza\u011fa semtinin i\u00e7ler a\u00e7\u0131s\u0131 hali\u2026T\u00fcm bunlar baz\u0131 b\u00f6lgelerde 200 kg\u2019\u0131 da a\u015fan metrekareye d\u00fc\u015fen muazzam ya\u011f\u0131\u015f miktar\u0131n\u0131n sonucu\u2026Ya\u015fad\u0131\u011f\u0131m\u0131z her sel felaketinden sonra, \u201cUmar\u0131z bir daha tekrarlanmaz\u201d diyoruz, hep birlikte.\u00a0 Ancak, ge\u00e7ti\u011fimiz ay 15\u2019inci Sigorta Haftas\u0131 kapsam\u0131mda d\u00fczenlenen 5. Uluslararas\u0131 Sigorta Zirvesi\u2019ne kat\u0131lan uzmanlar\u0131n ve t\u00fcm hafta boyunca sekt\u00f6r payda\u015flar\u0131n\u0131n da vurgulad\u0131\u011f\u0131 gibi sel ve benzeri iklim krizi kaynakl\u0131 do\u011fa olaylar\u0131 devam edecek. Tabii ki sigortac\u0131lar\u0131n her f\u0131rsatta dile getirdikleri risklere kar\u015f\u0131 \u00f6nlem almak; afetlere haz\u0131rl\u0131kl\u0131 olmak da \u015fart. Risklere kar\u015f\u0131 tedbirli olmak konusunda da evimizi yenilemek gibi bireysel olarak yapabilece\u011fimiz \u015feyler d\u0131\u015f\u0131nda \u2018sigorta\u2019 yapt\u0131rmak da b\u00fcy\u00fck \u00f6nem ta\u015f\u0131yor. \u00c7ok yak\u0131n bir gelecekte de t\u00fcm T\u00fcrkiye, <strong>\u2018Zorunlu Afet Sigortas\u0131\u2019 (ZAS) i<\/strong>le tan\u0131\u015facak.\u00a0 B\u00f6ylece, deprem ve di\u011fer do\u011fal afetler d\u0131\u015f\u0131nda sel de ZAS\u2019\u0131n kapsam\u0131nda olacak. Hayata ge\u00e7mesi halinde ge\u00e7ti\u011fimiz ay \u0130stanbul ve 4 ilde ya\u015fanan sel felaketi gibi felaketlerde hasar\u0131n b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fc art\u0131k <strong>Do\u011fal Afet Sigortalar\u0131 Kurumu (DASK)<\/strong> \u00f6deyecek.<\/p>\n<h4 class=\"wp-block-heading\"><strong>ZAS y\u00fcr\u00fcrl\u00fc\u011fe girse de\u00a0\u015firketlerin \u2018sel teminat\u0131\u2019 \u00f6nemli<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Y\u00fcr\u00fcrl\u00fc\u011fe girmesi halinde;<strong> ZDS<\/strong>\u2019i olup da ZAS\u2019a ge\u00e7i\u015f yapan baz\u0131 sigortal\u0131lar, \u201c ZAS\u2019la birlikte sel teminat\u0131 da ald\u0131m. Sigorta \u015firketlerinin d\u00fczenledi\u011fi konut poli\u00e7elerinde art\u0131k sel teminat\u0131 almama gerek yok\u201d diyebilir. Bununla birlikte uzmanlar, ZAS d\u00f6neminde de konut ve i\u015f yeri poli\u00e7elerinde sel teminat\u0131n\u0131n \u00f6nemini vurguluyor. \u00d6ncelikle, \u2018ihtiyari sel teminat\u0131\u2019 yan\u0131nda, konutlar\u0131n i\u00e7indeki k\u0131ymetli e\u015fyalar\u0131 da sele kar\u015f\u0131 g\u00fcvence alt\u0131na almak b\u00fcy\u00fck \u00f6nem ta\u015f\u0131yor. Ayr\u0131ca, b\u00fcy\u00fck bir olas\u0131l\u0131kla ZDS\u2019de oldu\u011fu gibi ZAS\u2019da da ticari i\u015fletmeler teminat kapsam\u0131 d\u0131\u015f\u0131nda olacak. Ticari i\u015fletmeler i\u00e7in de i\u015fyeri ve KOB\u0130 paket sigortalar\u0131nda sel teminat\u0131 b\u00fcy\u00fck \u00f6nem ta\u015f\u0131yacak. Bir de k\u00fc\u00e7\u00fck bir parantez a\u00e7\u0131p \u00f6nemli bir husus vurgularsak; sigorta \u015firketleri mevcut durumda poli\u00e7elerde sele kar\u015f\u0131 belli bir muafiyet uyguluyor, belli blr tutar\u0131n \u00fczerinde kalan hasar\u0131 (sel kaynakl\u0131) \u00f6d\u00fcyor; alt\u0131nda kalan\u0131 \u00f6demiyor. Buna kar\u015f\u0131n,\u00a0 ZAS ile birlikte havuzun b\u00fcy\u00fcyece\u011fi i\u00e7in muafiyet oranlar\u0131n\u0131n da d\u00fc\u015febilece\u011fi kaydediliyor.<\/p>\n<h4 class=\"wp-block-heading\"><strong>ZAS son OVP\u2019de de yer ald\u0131<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Seli de teminat alt\u0131na alacak Zorunlu Afet Sigortas\u0131 (ZAS) ile ilgili <strong>T\u00fcrkiye Sigorta Birli\u011fi (TSB) <\/strong>ve <strong>Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu (SEDDK)<\/strong> haz\u0131rl\u0131klar\u0131n\u0131 tamamlad\u0131. ZAS, 2026-2029 y\u0131llar\u0131n\u0131 kapsayan yeni Orta Vadeli Program\u2019da da (OVP) yer ald\u0131. H\u00e2tt\u00e2, sigorta sekt\u00f6r\u00fc temsilcileri, ZAS\u2019\u0131n bu ay Antalya\u2019da ger\u00e7ekle\u015fecek COP 31 Zirvesi\u2019ne\u00a0 (Birle\u015fmi\u015f Milletler \u0130klim De\u011fi\u015fikli\u011fi Konferanslar\u0131n\u0131n\u00a0Zirvesi) yeti\u015ftirilmesini bekliyordu. Hayat\u0131m\u0131z Sigortal\u0131 dergisinin bu ayki tamamlad\u0131\u011f\u0131m\u0131z ekim ay\u0131n\u0131n son g\u00fcnlerinde de umutlar devam ediyordu. Sekt\u00f6r, uzun bir s\u00fcredir Meclis\u2019in de g\u00fcndemimde olan ZAS\u2019\u0131n bir an \u00f6nce yasala\u015fmas\u0131 ve 2027 y\u0131l\u0131nda y\u00fcr\u00fcrl\u00fc\u011fe girmesini bekliyor.\u00a0<\/p>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"855\" height=\"571\" src=\"https:\/\/sigortamedya.com.tr\/wp-content\/uploads\/2026\/11\/Balkir-Demirkan-855x571.jpg\" alt=\"\" class=\"wp-image-133763\" \/><\/figure>\n<h4 class=\"wp-block-heading\"><strong>DASK Genel Sekreteri Balk\u0131r Demirkan; <\/strong>\u2018<strong>ZAS, sigorta sekt\u00f6r\u00fcn geli\u015fimi\u00a0a\u00e7\u0131s\u0131ndan \u00f6nemli bir f\u0131rsat<\/strong>\u2018<\/h4>\n<p class=\"wp-block-paragraph\"><strong>DASK Genel Sekreteri Balk\u0131r Demirkan, Zorunlu Afet Sigortas\u2019n\u0131n (ZAS)<\/strong>, T\u00fcrkiye sigorta sekt\u00f6r\u00fcme sa\u011flayaca\u011f\u0131 katk\u0131lar konusunda \u015funlar\u0131 s\u00f6yl\u00fcyor:\u00a0 \u201cT\u00fcrkiye, deprem ba\u015fta olmak \u00fczere sel, f\u0131rt\u0131na, heyelan ve farkl\u0131 do\u011fal afet riskleriyle kar\u015f\u0131 kar\u015f\u0131ya. \u0130klim de\u011fi\u015fikli\u011finin etkisiyle baz\u0131 do\u011fal afetlerin s\u0131kl\u0131\u011f\u0131 ve \u015fiddeti artmakta, bu olaylar\u0131n yol a\u00e7t\u0131\u011f\u0131 ekonomik kay\u0131plar b\u00fcy\u00fcmektedir. Bu durum, do\u011fal afetlere kar\u015f\u0131 finansal koruman\u0131n daha geni\u015f kesimlere ula\u015ft\u0131r\u0131lmas\u0131n\u0131 \u00f6nemli hale getiriyor. Zorunlu Afet Sigortas\u0131, sadece mevcut Zorunlu Deprem Sigortas\u0131\u2019n\u0131n kapsam\u0131n\u0131 geni\u015fleten bir d\u00fczenleme de\u011fil, T\u00fcrk sigorta sekt\u00f6r\u00fcn\u00fcn geli\u015fimi a\u00e7\u0131s\u0131ndan da \u00f6nemli bir f\u0131rsat olarak de\u011ferlendiriliyor. ZAS\u2019\u0131n sigorta bilincinin yayg\u0131nla\u015fmas\u0131, daha iyi risk da\u011f\u0131l\u0131m\u0131na imk\u00e2n sa\u011flamas\u0131, sigortal\u0131l\u0131k oranlar\u0131n\u0131n art\u0131r\u0131lmas\u0131 ve sekt\u00f6r\u00fcn s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcmesine katk\u0131 sunmas\u0131 bekleniyor. ZAS, vatanda\u015flar a\u00e7\u0131s\u0131ndan daha kapsaml\u0131 bir finansal g\u00fcvence, sigorta \u015firketleri ve acente a\u00e7\u0131s\u0131ndan ise yeni m\u00fc\u015fterilere eri\u015fim ve b\u00fcy\u00fcme f\u0131rsat\u0131 sunuyor. ZAS\u2019\u0131n sekt\u00f6re katk\u0131s\u0131 yaln\u0131zca poli\u00e7e \u00fcretimi ve ticari b\u00fcy\u00fcmeyle s\u0131n\u0131rl\u0131 da de\u011fil. Sigorta korumas\u0131n\u0131n daha geni\u015f bir tabana yay\u0131lmas\u0131, risk da\u011f\u0131l\u0131m\u0131 ve do\u011fal afetlerden kaynaklanan ekonomik risklerin payla\u015f\u0131lmas\u0131n\u0131 da destekleyecek. Bunun yan\u0131nda farkl\u0131 risk gruplar\u0131na ili\u015fkin veri ve deneyim birikiminin artmas\u0131 da sigorta sekt\u00f6r\u00fcn\u00fcn risk de\u011ferlendirme ve y\u00f6netim kapasitesinin geli\u015fmesine katk\u0131 sa\u011flayacak.\u201d\u00a0<\/p>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"571\" height=\"855\" src=\"https:\/\/sigortamedya.com.tr\/wp-content\/uploads\/2026\/11\/Senol-Ortac-571x855.jpeg\" alt=\"\" class=\"wp-image-133764\" \/><\/figure>\n<h4 class=\"wp-block-heading\"><strong>Hepiyi Sigorta Genel M\u00fcd\u00fcr\u00fc \u015eenol Orta\u00e7;\u00a0<\/strong>\u2018<strong>ZAS\u2019da da primler makul olmal\u0131<\/strong>\u2018<\/h4>\n<p class=\"wp-block-paragraph\">\u00d6n\u00fcm\u00fczdeki d\u00f6nemde y\u00fcr\u00fcrl\u00fc\u011fe girmesi beklenen Zorunlu Afet Sigortas\u0131 (ZAS) ve sel teminat\u0131 hakk\u0131nda d\u00fc\u015f\u00fcncelerini bildiren <strong>Hepiyi Sigorta Genel M\u00fcd\u00fcr\u00fc \u015eenol Orta\u00e7<\/strong>, \u015funlar\u0131 s\u00f6yledi: \u201cZAS, deprem d\u0131\u015f\u0131nda sel ve di\u011fer afetler i\u00e7in teminat verse de sigorta \u015firketleri sel \u00f6zelinde, sigortal\u0131lara ihtiyari sel teminat\u0131, selden etkilenecek konuttaki k\u0131ymetli e\u015fyalara y\u00f6nelik g\u00fcvence, \u00f6zellikle de ZAS kapsam\u0131nda olmayan ticari i\u015fletmelere y\u00f6nelik sel teminat\u0131 verebilir. Vatanda\u015flar i\u00e7im temel sorun, ZAS\u2019ta primlerin Zorunlu Deprem Sigortas\u0131\u2019na g\u00f6re y\u00fckselecek olmas\u0131. Bu da gelir d\u00fczeyi d\u00fc\u015f\u00fck bireylerin ZAS yapt\u0131rmas\u0131n\u0131 zorla\u015ft\u0131rabilir. Bu nedenle ZAS\u2019da da primler makul olmal\u0131. Yoksa o me\u015fhur ifade ile \u201cDimyata pirince giderken evdeki bulgurdan olmayal\u0131m!\u201d<\/p>\n<p class=\"wp-block-paragraph\"><strong>Zorunlu Deprem Sigortas\u0131 ile<\/strong> <strong>ZAS aras\u0131ndaki fark nedir?<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Zorunlu Deprem Sigortas\u0131 (ZDS-DASK) sigorta yapt\u0131ranlara sadece \u2018deprem teminat\u0131\u2019 sunuyor. Zorunlu Afet Sigortas\u0131\u2019nda (ZAS) ise ZAS\u2019daki teminat kapsam\u0131 geni\u015fletilecek. ZAS, deprem teminat\u0131na ek olarak yanarda\u011f p\u00fcsk\u00fcrmesi, sel veya ta\u015fk\u0131n niteli\u011findeki su bask\u0131n\u0131, heyelan, f\u0131rt\u0131na, dolu, \u00e7\u0131\u011f ve orman yang\u0131n\u0131 risklerini de kapsayacak.\u00a0 Ayr\u0131ca, <strong><\/strong>ZDS kapsam\u0131na girmeyen k\u00f6y yerle\u015fik alanlar\u0131 ve mezralar da kapsama d\u00e2hil edilecek. B\u00f6ylece sigorta korumas\u0131n\u0131n co\u011frafi kapsam\u0131 geni\u015fletilecek. ZAS poli\u00e7esindeki teminatlar se\u00e7imlik olmayacak, t\u00fcm teminatlar otomatik olarak verilecek.\u00a0<\/p>\n<h4 class=\"wp-block-heading\"><strong>ZAS,\u00a0Sekt\u00f6re hangi faydalar\u0131 sa\u011flayacak?<\/strong><\/h4>\n<ul class=\"wp-block-list\">\n<li>Sigorta bilincinin artmas\u0131na katk\u0131da bulunacak.<\/li>\n<li>Daha iyi risk da\u011f\u0131l\u0131m\u0131na imk\u00e2n sa\u011flayacak.<\/li>\n<li>Sigortal\u0131l\u0131k oranlar\u0131n\u0131 art\u0131racak.<\/li>\n<li>Sekt\u00f6r\u00fcn s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcmesine katk\u0131 sunacak.<\/li>\n<\/ul>\n<h4 class=\"wp-block-heading\"><strong>Selden etkilenen 5 ilde yakla\u015f\u0131l\u00a015 Milyar TL hasar bekleniyor<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">14-15 Ekim\u2019deki sel felaketinden etkilenen \u0130stanbul ve di\u011fer 4 ilde (Sakarya, Kocaeli, Yalova ve Bursa) yaralar sar\u0131lmaya ve sigortal\u0131 hasarlar da \u00f6denmeye ba\u015flad\u0131. T\u00fcrkiye Sigorta Birli\u011fi\u2019nden (TSB) ald\u0131\u011f\u0131m\u0131z bilgilere g\u00f6re, bu sat\u0131rlar\u0131 yazd\u0131\u011f\u0131m\u0131z ekim ay\u0131n\u0131n 27\u2019si itibar\u0131yla sigorta \u015firketlerinin sel felaketinden sonra \u00f6dedi\u011fi hasar yakla\u015f\u0131k 600 milyon TL\u2019ye ula\u015ft\u0131. Bununla birlikte \u2018muallak hasarlar\u2019 da dahil edildi\u011finde sekt\u00f6r\u00fcm 12 milyar TL d\u00fczeyinde bir hasar \u00f6deyece\u011fi kaydediliyor. Ancak, baz\u0131 uzmanlar bu hasar\u0131n yakla\u015f\u0131k 15 milyar TL\u2019ye ula\u015fabilece\u011fini ileri s\u00fcr\u00fcyor. 15 milyar TL, az buz bir rakam de\u011fil. Ancak, sigorta sekt\u00f6r\u00fcn\u00fcn sermaye b\u00fcy\u00fckl\u00fc\u011f\u00fc ve reas\u00fcrans korumalar\u0131 da dikkate al\u0131nd\u0131\u011f\u0131nda sekt\u00f6r\u00fcn bu felaketin alt\u0131ndan rahatl\u0131kla kalkaca\u011f\u0131 s\u00f6ylenebilir.\u00a0<\/p>\n<h4 class=\"wp-block-heading\"><strong>ZAS y\u00fcr\u00fcrl\u00fckte olsayd\u0131 hasar\u0131n<\/strong> <strong>y\u00fczde ka\u00e7\u0131n\u0131 DASK kar\u015f\u0131lard\u0131?<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">14-15 Ekim\u2019de \u0130stanbul ba\u015fta olmak \u00fczere 5 ilimizde ya\u015fanan sel felaketin ard\u0131ndan \u015f\u00f6yle bir soru da ak\u0131llara gelebilir: \u201cE\u011fer ZAS y\u00fcr\u00fcrl\u00fc\u011fe daha \u00f6nce girmi\u015f olsayd\u0131, sigortal\u0131 hasar\u0131n y\u00fczde ka\u00e7\u0131n\u0131 DASK kar\u015f\u0131lard\u0131? Bu soruyu sigortac\u0131lara da sordum. Sigortac\u0131lar bu konuda veri eksikli\u011finden yak\u0131nd\u0131lar. Bununla birlikte g\u00fcvenilir bir kaynak, bu oran\u0131n kabaca y\u00fczde 75 olabilece\u011fini ileri s\u00fcrd\u00fc. Bir ba\u015fka deyi\u015fle sigortal\u0131 hasar\u0131n y\u00fczde 75\u2019ini DASK kar\u015f\u0131lar, geri kalan y\u00fczde 25\u2019i ise sigorta \u015firketlerinin \u00fczerinde kal\u0131rd\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cZDS poli\u00e7em var; ZDS y\u00fcr\u00fcrl\u00fc\u011fe<\/strong> <strong>girerse ne yapaca\u011f\u0131m?\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Zorunlu Deprem Sigortas\u0131 (ZDS) poli\u00e7eleri olan vatanda\u015flar\u0131n s\u0131k\u00e7a sordu\u011fu bir soru da \u201c<strong>\u201cZDS poli\u00e7em var; ZDS y\u00fcr\u00fcrl\u00fc\u011fe girerse ne yapaca\u011f\u0131m?\u201d<\/strong> sorusu. DASK\u2019tan ald\u0131\u011f\u0131m\u0131z bilgilere g\u00f6re, ZDS\u2019si y\u00fcr\u00fcrl\u00fckte olan sigortal\u0131lar a\u00e7\u0131s\u0131ndan, poli\u00e7e vadesi devam ederken ZAS\u2019\u0131n y\u00fcr\u00fcrl\u00fc\u011fe girmesi durumunda otomatik bir d\u00f6n\u00fc\u015f\u00fcm uygulanmayacak. Devam eden ZDS poli\u00e7eleri, talep edilmesi halinde vade bitimine kadar ZDS poli\u00e7esi olarak ge\u00e7erlili\u011fini s\u00fcrd\u00fcrecek. ZAS\u2019a ge\u00e7mek isteyen sigortal\u0131lar i\u00e7in ise ayn\u0131 adres kodu ve ayn\u0131 T.C. kimlik numaras\u0131 ile yeni bir ZAS poli\u00e7esi d\u00fczenlenecek. Poli\u00e7e d\u00fczenlenmesi s\u0131ras\u0131nda sistemde ayn\u0131 adres kodu ve T.C. kimlik numaras\u0131 i\u00e7in y\u00fcr\u00fcrl\u00fckte bir ZDS poli\u00e7esi bulunmas\u0131 halinde, ZAS poli\u00e7esine yenileme indirimi uygulanacak. Di\u011fer bir deyi\u015fle, ZDS poli\u00e7esi ilk y\u0131l\u0131 i\u00e7inde olsa dahi, ZAS poli\u00e7esi d\u00fczenlenirken ge\u00e7i\u015fe \u00f6zel olarak yenileme indirimi verilecek. ZAS poli\u00e7esinin d\u00fczenlenmesinin ard\u0131ndan mevcut ZDS poli\u00e7esi k\u0131smi olarak iptal edilebilecek. ZAS modelinde yenilemelerde de y\u00fczde 20 indirim korunacak. ZAS\u2019\u0131n y\u00fcr\u00fcrl\u00fc\u011fe girmesiyle birlikte deprem d\u0131\u015f\u0131ndaki afetler bak\u0131m\u0131ndan bina teminat\u0131na ilave olarak <strong>Acil \u0130htiya\u00e7 Teminat\u0131<\/strong> da sa\u011flanacak. Bu teminat, sigortal\u0131 konutta ikamet eden ki\u015filere afet sonras\u0131nda temel ve zaruri ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131lamak \u00fczere verilecek.<\/p>\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Fzas-sigorta-sektorununyukunu-hafifletecek%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye, \u00e7ok yak\u0131nda\u00a0 \u2018Zorunlu Afet Sigortas\u0131\u2019 (ZAS) ile tan\u0131\u015facak.\u00a0 ZAS, deprem d\u0131\u015f\u0131nda, sel ve di\u011fer do\u011fal afetler i\u00e7in de teminat verecek. Hayata ge\u00e7mesi halinde ge\u00e7ti\u011fimiz ay \u0130stanbul ve 4 ilde ya\u015fanan sel felaketi gibi felaketlerde hasar\u0131n b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fc art\u0131k Do\u011fal<\/p>\n","protected":false},"author":1,"featured_media":1215,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1214","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\/1214","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=1214"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1214\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/media\/1215"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1214"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1214"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1214"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}