\u0130klim krizinin ve k\u00fcresel \u0131s\u0131nman\u0131n getirdi\u011fi riskler art\u0131k kap\u0131m\u0131z\u0131 \u00e7almaktan \u00f6te, hayat\u0131m\u0131z\u0131n tam ortas\u0131na yerle\u015fti. Son d\u00f6nemde art arda ya\u015fanan sel felaketleri ve ekstrem do\u011fa olaylar\u0131, \u00fclkemizin ve d\u00fcnyan\u0131n i\u00e7inden ge\u00e7ece\u011fi yeni d\u00f6nemin sinyallerini veriyor. Meteorolojik veriler de bu ger\u00e7e\u011fi rakamlarla g\u00f6zler \u00f6n\u00fcne seriyor: Ge\u00e7mi\u015fte T\u00fcrkiye genelinde ekstrem hava ko\u015fullar\u0131na ba\u011fl\u0131 olay say\u0131s\u0131 250-300 band\u0131ndayken, bu rakam 2025 y\u0131l\u0131nda 1011\u2019e ula\u015ft\u0131. Nitekim \u0130stanbul\u2019da ya\u015fanan son \u015fiddetli ya\u011f\u0131\u015flar, 1911\u2019den bu yana bir g\u00fcnl\u00fck ya\u011fmur miktar\u0131 a\u00e7\u0131s\u0131ndan \u00f6l\u00e7\u00fclen en y\u00fcksek 3\u2019\u00fcnc\u00fc seviye olarak kay\u0131tlara ge\u00e7ti. Art\u0131k, m\u00fcnferit birer olay olmaktan \u00e7\u0131k\u0131p ola\u011fan s\u00fcre\u00e7ler haline gelen bu afetler kar\u015f\u0131s\u0131nda, T\u00fcrk sigorta sekt\u00f6r\u00fc bir s\u0131nav\u0131 daha aln\u0131n\u0131n ak\u0131yla ve ba\u015far\u0131yla geride b\u0131rakt\u0131.<\/p>\n
Son \u0130stanbul sel felaketinin sekt\u00f6r\u00fcn \u00f6z kaynaklar\u0131na yans\u0131yan maliyetinin, ilk hesaplamalara g\u00f6re 10.5 milyar lira civar\u0131nda oldu\u011fu, en k\u00f6t\u00fc senaryoda dahi 15 milyar TL seviyelerini bulabilece\u011fi ifade ediliyor. Reas\u00fcrans destekleri de hesaba kat\u0131ld\u0131\u011f\u0131nda, bu b\u00fcy\u00fck felaketin sekt\u00f6re net etkisinin \u00f6z kaynaklar\u0131n yaln\u0131zca y\u00fczde 2\u2019si gibi \u00e7ok k\u00fc\u00e7\u00fck bir oran\u0131nda kalmas\u0131, T\u00fcrk sigorta sekt\u00f6r\u00fcn\u00fcn ne denli sa\u011flam bir mali yap\u0131ya sahip oldu\u011funu a\u00e7\u0131k\u00e7a kan\u0131tl\u0131yor. Mara\u015f depremini \u00e7ok rahat atlatan sekt\u00f6r, bankac\u0131l\u0131\u011f\u0131n ard\u0131ndan T\u00fcrkiye\u2019deki finansal sistemin en g\u00fc\u00e7l\u00fc ikinci kalesi konumunda oldu\u011funu bir kez daha kan\u0131tlad\u0131. Sompo Sigorta Genel M\u00fcd\u00fcr\u00fc ve T\u00fcrkiye Sigorta Birli\u011fi (TSB) Y\u00f6netim Kurulu Ba\u015fkan Yard\u0131mc\u0131s\u0131 Fahri U\u011fur\u2019<\/strong>un Noyan Do\u011fan\u2019\u0131n sundu\u011fu Bak\u0131\u015f program\u0131ndaki de\u011ferlendirmelerinde belirtti\u011fi gibi, sekt\u00f6r\u00fcn as\u0131l g\u00fcc\u00fc sundu\u011fu 1.8 katrilyon T\u00fcrk Liras\u0131na ula\u015fan devasa teminat yap\u0131s\u0131ndan geliyor. Gayrisafi yurt i\u00e7i has\u0131las\u0131n\u0131n kat bekat \u00fczerindeki bu koruma kalkan\u0131 olmasa, ticaretin ve ekonomik \u00e7arklar\u0131n d\u00f6nmesi imk\u00e2ns\u0131z hale gelirdi.<\/p>\n Ancak, madalyonun bir de bireysel ve kurumsal sorumluluk y\u00fcz\u00fc var. Bodrum ve Antalya gibi do\u011fa olaylar\u0131n\u0131n en yo\u011fun ya\u015fand\u0131\u011f\u0131 b\u00f6lgelerde evleri bulunan bir vatanda\u015f olarak, bu ger\u00e7e\u011fi bizzat sahada deneyimliyorum. Ge\u00e7ti\u011fimiz g\u00fcnlerde her iki evimde de hem olu\u015fan hasarlar\u0131 gidermeye \u00e7al\u0131\u015ft\u0131m hem de olas\u0131 daha a\u011f\u0131r olaylar i\u00e7in ilave \u00f6nlemler alman\u0131n yollar\u0131n\u0131 arad\u0131m. \u015eu konunun alt\u0131n\u0131 \u00f6zellikle \u00e7izmek isterim:\u00a0Hayat\u0131mda sigortas\u0131z hi\u00e7bir \u015feyimin olmamas\u0131na \u00f6zen g\u00f6steriyorum.\u00a0\u00a0Sigorta g\u00fcvencesi ve BES (Bireysel Emeklilik Sistemi)<\/strong> i\u00e7in ciddi b\u00fct\u00e7eler ay\u0131r\u0131yorum.\u00a0\u00c7\u00fcnk\u00fc bug\u00fcn ya\u015fananlar, bireylerin ve i\u015fletmelerin risk analizlerini do\u011fa olaylar\u0131n\u0131 g\u00f6z \u00f6n\u00fcnde bulundurarak yapmas\u0131n\u0131 ve varl\u0131klar\u0131n\u0131 eksiksiz sigortalamas\u0131n\u0131 zorunlu k\u0131l\u0131yor.<\/p>\n Her birey ve i\u015fletme, felaketler kap\u0131y\u0131 \u00e7almadan \u00f6nce risk m\u00fchendislerinin ve dan\u0131\u015fmanlar\u0131n \u00f6nerilerine kulak vermeli, poli\u00e7elerini do\u011fru teminatlar ve do\u011fru sigorta bedelleriyle olu\u015fturmal\u0131d\u0131r.<\/p>\n Ya\u015fad\u0131\u011f\u0131m\u0131z son tecr\u00fcbeler, at\u0131lacak yasal ad\u0131mlar\u0131n da ne kadar gecikmez bir hayatiyet ta\u015f\u0131d\u0131\u011f\u0131n\u0131 g\u00f6sterdi. Sadece depremi kapsayan DASK <\/strong>uygulamas\u0131n\u0131n \u00f6tesine ge\u00e7erek, sel dahil t\u00fcm iklim kaynakl\u0131 afet risklerini g\u00fcvence alt\u0131na alacak olan\u00a0Zorunlu Afet Sigortas\u0131<\/strong>\u00a0kanununun Meclis\u2019te h\u0131zla yasala\u015fmas\u0131, hem vatanda\u015f\u0131n ma\u011fduriyetini \u00f6nleyecek hem de devletin omuzlar\u0131ndaki b\u00fcy\u00fck y\u00fck\u00fc son derece hafifletecektir. S\u0131radaki s\u0131navlara bug\u00fcnden haz\u0131rlanmak, milli servetimizi koruman\u0131n ve yar\u0131nlara g\u00fcvenle bakman\u0131n tek yoludur.<\/p>\n \u00dcstelik bu vizyon sadece ulusal d\u00fczeyle s\u0131n\u0131rl\u0131 kalm\u0131yor; T\u00fcrkiye, iklim kriziyle m\u00fccadelede k\u00fcresel bir merkeze d\u00f6n\u00fc\u015f\u00fcyor. Kas\u0131m ay\u0131nda Antalya\u2019da d\u00fczenlenecek olan COP31<\/strong> \u0130klim Zirvesi kapsam\u0131nda T\u00fcrkiye Sigorta Birli\u011fi (TSB)<\/strong> taraf\u0131ndan hayata ge\u00e7irilen \u201cSigorta Evi\u201d<\/strong> (Insurance House), sekt\u00f6r\u00fc uluslararas\u0131 arenada \u00e7ok daha stratejik bir konuma ta\u015f\u0131yor. \u0130klim risk finansman\u0131, afet dayan\u0131kl\u0131l\u0131\u011f\u0131, \u00f6nleyici sigortac\u0131l\u0131k ve parametrik \u00e7\u00f6z\u00fcmlerin masaya yat\u0131r\u0131laca\u011f\u0131 Sigorta Evi; kamu, \u00f6zel sekt\u00f6r ve akademiyi ayn\u0131 \u00e7at\u0131 alt\u0131nda bulu\u015fturarak T\u00fcrkiye\u2019nin bu alandaki \u00f6nc\u00fc deneyimlerini d\u00fcnyaya aktaracak.<\/p>\n Sekt\u00f6r\u00fcm\u00fcz\u00fcn gelece\u011fini \u015fekillendiren bu stratejik vizyon ve reg\u00fclasyon ad\u0131mlar\u0131, Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu (SEDDK) Ba\u015fkan\u0131 Davut Mente\u015f<\/strong>\u2019in Sigorta Haftas\u0131 <\/strong>vesilesiyle ve T\u00fcrk D\u00fcnyas\u0131 Sigortac\u0131lar Toplant\u0131s\u0131<\/strong>\u2018nda yapt\u0131\u011f\u0131 kritik a\u00e7\u0131klamalarda da a\u00e7\u0131k\u00e7a hissediliyor. Sekt\u00f6r\u00fcn geli\u015fiminde SEDDK\u2019n\u0131n rol\u00fcn\u00fc ve gelece\u011fe y\u00f6nelik yol haritas\u0131n\u0131 payla\u015ft\u0131\u011f\u0131, bas\u0131n mensuplar\u0131n\u0131n sorular\u0131n\u0131 i\u00e7tenlikle yan\u0131tlad\u0131\u011f\u0131 bu \u00f6zel bulu\u015fma, de\u011ferli arkada\u015f\u0131m\u0131z Alp S\u00fcer\u2019in usta kalemiyle derlenerek dergimizde b\u00fcy\u00fck bir r\u00f6portaj olarak yerini al\u0131yor. Sekt\u00f6r\u00fcm\u00fcz\u00fcn bug\u00fcn\u00fcne \u0131\u015f\u0131k tutan ve haberimizin son haline gelmesine k\u0131ymetli destekleriyle katk\u0131 sunan SEDDK Ba\u015fkan\u0131 Say\u0131n Davut Mente\u015f ve ekibine buradan bir kez daha te\u015fekk\u00fcrlerimizi sunar\u0131z.<\/p>\n Unutmayal\u0131m ki sigorta yapt\u0131rmak art\u0131k bir tercih de\u011fil, vazge\u00e7ilmez bir ihtiya\u00e7t\u0131r.<\/p>\n \n\u201cSigortas\u0131z hi\u00e7bir \u015feyim yok\u201d<\/strong><\/h4>\n
S\u0131ra \u2018Zorunlu Afet Sigortas\u0131\u2019nda<\/strong><\/h4>\n
\u201cSigorta Evi\u201d Cop31<\/strong><\/h4>\n
Ba\u015fkan\u2019a te\u015fekk\u00fcr ederiz\u00a0<\/strong><\/h4>\n