{"id":697,"date":"2026-07-06T10:28:59","date_gmt":"2026-07-06T07:28:59","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=697"},"modified":"2026-07-06T10:28:59","modified_gmt":"2026-07-06T07:28:59","slug":"dalista-da-sigortada-da-altin-kural-riski-dogru-yoneten-kazanir","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=697","title":{"rendered":"Dal\u0131\u015fta da sigortada da alt\u0131n kural riski do\u011fru y\u00f6neten kazan\u0131r"},"content":{"rendered":"

Dal\u0131\u015f tutkusu ile sigorta brokerli\u011fini ayn\u0131 disiplin anlay\u0131\u015f\u0131nda bulu\u015fturan Nen Sigorta Brokerli\u011fi sahibi Yavuz \u00d6nen, \u201cDal\u0131\u015fta nas\u0131l hava, ekipman ve risk analizi yap\u0131lmadan suya girilmiyorsa, sigortac\u0131l\u0131kta da do\u011fru analiz yap\u0131lmadan poli\u00e7e d\u00fczenlenemez\u201d diyor. \u00d6nen, \u00f6zellikle ucuz poli\u00e7e yerine do\u011fru risk y\u00f6netimi ve dan\u0131\u015fmanl\u0131\u011f\u0131n uzun vadede herkesi kurdu\u011funu vurgulad\u0131.<\/strong><\/h4>\n

S\u0130GORTAMEDYA \u00d6ZEL<\/strong><\/p>\n

Risk y\u00f6netimi, g\u00fcvenli ya\u015fam\u0131n en temel unsurlar\u0131ndan biri\u2026 Sigorta brokerli\u011fi ve su alt\u0131 d\u00fcnyas\u0131 tutkusunu ayn\u0131 disiplin anla\u015f\u0131l\u0131nda bulu\u015fturan Nen Sigorta Brokerli\u011fi sahibi Yavuz \u00d6nen<\/strong>, bu anlay\u0131\u015f\u0131n hem sigortac\u0131l\u0131kta hem de dal\u0131\u015fta ba\u015far\u0131n\u0131n anahtar\u0131 oldu\u011funu anlat\u0131yor. Her iki alanda da do\u011fru kararlar\u0131n ancak kapsaml\u0131 risk analiziyle al\u0131nabilece\u011fini s\u00f6yleyen \u00d6nen, Sigorta Ekran\u0131\u2019nda Sigorta Medya Genel Yay\u0131n Y\u00f6netmeni Can Kantar<\/strong>\u2019a konuk olarak sualt\u0131 a\u015fk\u0131n\u0131, sigorta sekt\u00f6r\u00fcndeki geli\u015fmeleri payla\u015ft\u0131. Dal\u0131\u015f ve sigortac\u0131l\u0131k aras\u0131ndaki benzerliklere dikkat \u00e7eken \u00f6nemli a\u00e7\u0131klamalarda bulunan \u00d6nen dal\u0131\u015f \u00f6ncesinde yap\u0131lan hava, ak\u0131nt\u0131, ve ekipman kontrollerinin sigortac\u0131l\u0131ktaki riziko analizinden farkl\u0131 olmad\u0131\u011f\u0131n\u0131 vurguluyor. \u00d6nen, \u201c\u0130ki meslek aras\u0131nda \u00e7ok g\u00fc\u00e7l\u00fc benzerlikler var. Bu nedenle dal\u0131\u015f\u0131n disiplinine yabanc\u0131l\u0131k \u00e7ekmedim ve kurallara titizlikle uymaya \u00f6zen g\u00f6steriyorum\u201d diyor.<\/p>\n

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Her dal\u0131\u015f yeni bir tecr\u00fcbe kazand\u0131r\u0131yor<\/strong><\/h4>\n

\u00d6nen\u2019in su alt\u0131 tutkusu, \u00e7ocukluk y\u0131llar\u0131nda evinde kurdu\u011fu akvaryum ve izledi\u011fi su alt\u0131 belgeselleri ile ba\u015fl\u0131yor. \u00d6zellikle belgeselci Sava\u015f Karaka\u015f\u2019\u0131n yap\u0131mlar\u0131ndan etkilenen \u00d6nen, sosyal medyada takip etti\u011fi profesyonel su alt\u0131 foto\u011fraf\u00e7\u0131s\u0131 Hakan \u00d6zg\u00fcler\u2019in de y\u00f6nlendirmesiyle T\u00fcrk Bal\u0131kadamlar Spor Kul\u00fcb\u00fc\u2019nde dal\u0131\u015f e\u011fitimlerine ba\u015fl\u0131yor. \u0130lk e\u011fitimlerde maske i\u00e7erisindeki suyu tahliye etmekte zorland\u0131\u011f\u0131n\u0131 ve sporu b\u0131rakmay\u0131 d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fc anlatan \u00d6nen, bunun fiziksel de\u011fil zihinsel bir engel oldu\u011funu fark ederek e\u011fitimlerini ba\u015far\u0131yla tamaml\u0131yor. \u0130stanbul Adalar ve Marmara Denizi\u2019nde ger\u00e7ekle\u015ftirdi\u011fi e\u011fitimlerin ard\u0131ndan \u00f6nce 1 y\u0131ld\u0131z, daha sonra 30 metreye kadar dal\u0131\u015f yapma imk\u00e2n\u0131 sa\u011flayan 2 y\u0131ld\u0131z br\u00f6vesini al\u0131yor. As\u0131l hedefinin \u00e7ocuklu\u011funda belgesellerde g\u00f6rd\u00fc\u011f\u00fc reng\u00e2renk deniz canl\u0131lar\u0131n\u0131 do\u011fal ya\u015fam alanlar\u0131nda ke\u015ffetmek oldu\u011funu belirten \u00d6nen, Sharm El Sheikh\u2019te yapt\u0131\u011f\u0131 dal\u0131\u015flar\u0131n bu tutkusunu daha da peki\u015ftirdi\u011fini\u00a0s\u00f6yl\u00fcyor. \u00d6nen, \u201cTuzlu su akvaryumlar\u0131nda hayranl\u0131kla izledi\u011fim canl\u0131lar\u0131 denizin i\u00e7inde g\u00f6r\u00fcnce su alt\u0131na \u00e2\u015f\u0131k oldum. O an, dal\u0131\u015f\u0131n hayat\u0131m\u0131n vazge\u00e7ilmez bir hobisi olmas\u0131na karar verdim\u201d diyor. T\u00fcrk Bal\u0131kadamlar Spor Kul\u00fcb\u00fc\u2019nde ald\u0131\u011f\u0131 e\u011fitimlerin ard\u0131ndan Marmara Denizi\u2019nin zorlu ko\u015fullar\u0131nda br\u00f6vesini alan \u00d6nen, \u00e7ocukluk hayali olan\u00a0tropikal denizleri ke\u015ffetme f\u0131rsat\u0131n\u0131 Shark El Sheikh\u2019te yakal\u0131yor. Y\u0131llar i\u00e7inde dal\u0131\u015f tutkusunun daha da artt\u0131\u011f\u0131n\u0131 dile getiren \u00d6nen, dal\u0131\u015f\u0131n kendisi i\u00e7in yaln\u0131zca bir spor olmad\u0131\u011f\u0131n\u0131 vurguluyor. Sharm El Sheikh\u2019te de e\u011fitim almaya devam etti\u011fini ifade eden \u00d6nen, her dal\u0131\u015f\u0131n yeni bir tecr\u00fcbe kazand\u0131rd\u0131\u011f\u0131n\u0131 s\u00f6yl\u00fcyor. Meksika ve K\u0131z\u0131ldeniz\u2019de k\u00f6pek bal\u0131klar\u0131yla ger\u00e7ekle\u015ftirdi\u011fi dal\u0131\u015f deneyimlerinden de bahseden \u00d6nen, a\u00e7\u0131k denizde kafes kullanmadan k\u00f6pek bal\u0131klar\u0131yla (bull shark) dalman\u0131n hayat\u0131ndaki en unutulmaz deneyimlerden biri oldu\u011funu s\u00f6yl\u00fcyor. \u00d6ncelikli hedefinin d\u00fcnyan\u0131n \u00f6ne\u00a0\u00e7\u0131kan dal\u0131\u015f noktalar\u0131n\u0131 ke\u015ffetmek oldu\u011funu ve su alt\u0131 belgeselleri \u00e7ekmek istedi\u011fini ifade eden \u00d6nen, ard\u0131ndan daha \u00f6zel rotalara y\u00f6nelmek i\u00e7in sab\u0131rs\u0131zland\u0131\u011f\u0131n\u0131 belirtiyor.<\/p>\n

\u201cMoorea\u2019da balinalarla dalmak en b\u00fcy\u00fck hayallerimden biri. Ayr\u0131ca Gal\u00e1pagos Adalar\u0131 da e\u015fsiz deniz canl\u0131lar\u0131yla\u00a0mutlaka g\u00f6rmek istedi\u011fim yerler aras\u0131nda\u201d diyor. Dal\u0131\u015f sporunun do\u011fru planlama ve profesyonel rehberlik sayesinde g\u00fcvenli ve unutulmaz bir maceraya d\u00f6n\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc s\u00f6yleyen \u00d6nen, derin maviye g\u00f6n\u00fcl verenlere ve \u00f6zellikle gen\u00e7lere seslenerek hayallerini ertelememeleri gerekti\u011fini s\u00f6yl\u00fcyor.<\/p>\n

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Dal\u0131\u015f disiplini ile sigorta brokerli\u011fi<\/strong> aras\u0131nda \u00f6nemli benzerlikler var<\/strong><\/h4>\n

Dal\u0131\u015f disiplini ile sigorta brokerli\u011fi aras\u0131nda \u00f6nemli benzerlikler bulundu\u011funu dile getiren \u00d6nen, her iki alanda da risk analizinin temel unsur oldu\u011funu vurgulad\u0131. Dal\u0131\u015f \u00f6ncesinde hava durumu, ak\u0131nt\u0131, ekipman ve buddy kontrollerinin eksiksiz yap\u0131ld\u0131\u011f\u0131n\u0131 belirten \u00d6nen, uygun olmayan ko\u015fullarda dal\u0131\u015fa kesinlikle ba\u015flanmad\u0131\u011f\u0131n\u0131 s\u00f6yledi. Sigortac\u0131l\u0131kta da benzer \u015fekilde riziko tefti\u015fi yap\u0131larak m\u00fc\u015fterinin risklerinin analiz edildi\u011fini ve buna uygun \u00e7\u00f6z\u00fcmler \u00fcretildi\u011fini ifade eden \u00d6nen, \u201c\u0130ki meslek aras\u0131nda \u00e7ok g\u00fc\u00e7l\u00fc benzerlikler var. Bu nedenle dal\u0131\u015f\u0131n disiplinine yabanc\u0131l\u0131k \u00e7ekmedim ve kurallara titizlikle uymaya \u00f6zen g\u00f6steriyorum\u201d diyor.<\/p>\n

\u00c7ok ucuz al\u0131nan poli\u00e7e uzun vadede daha fazla prim \u00f6detebilir<\/strong><\/h4>\n

Sigortac\u0131l\u0131k sekt\u00f6r\u00fcndeki g\u00fcncel geli\u015fmeleri de de\u011ferlendiren \u00d6nen, artan primlerin b\u00fct\u00e7eleri zorlad\u0131\u011f\u0131n\u0131 ancak y\u00fckselen sa\u011fl\u0131k ve hasar maliyetleri nedeniyle sigortaya olan ihtiyac\u0131n devam etti\u011fini s\u00f6yl\u00fcyor. Piyasada yeni i\u015f \u00fcretiminde bir daralma ya\u015fand\u0131\u011f\u0131n\u0131 belirten \u00d6nen, \u00f6zellikle tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131n\u0131n eri\u015filebilir yap\u0131s\u0131yla T\u00fcrkiye\u2019de \u00f6nemli bir d\u00f6n\u00fc\u015f\u00fcm yaratt\u0131\u011f\u0131n\u0131 ifade ederek, herkesin en az\u0131ndan bir tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131na sahip olmas\u0131 gerekti\u011fini vurguluyor. Grup sa\u011fl\u0131k sigortalar\u0131nda ise en kritik unsurun, poli\u00e7enin yaln\u0131zca d\u00fc\u015f\u00fck fiyat\u0131na odaklanmak de\u011fil, grubun tazminat\/prim oran\u0131n\u0131 s\u00fcrd\u00fcr\u00fclebilir \u015fekilde y\u00f6netmek oldu\u011funu belirten \u00d6nen, k\u0131sa vadede ucuz g\u00f6r\u00fcnen poli\u00e7elerin sonraki y\u0131llarda \u00e7ok y\u00fcksek prim art\u0131\u015flar\u0131na yol a\u00e7abilece\u011fine dikkat \u00e7ekiyor. Do\u011fru sigorta \u015firketi se\u00e7imi, \u00e7al\u0131\u015fanlar\u0131n hastane kullan\u0131m al\u0131\u015fkanl\u0131klar\u0131n\u0131n analiz edilmesi ve etkin risk y\u00f6netiminin uzun vadeli maliyetleri d\u00fc\u015f\u00fcrd\u00fc\u011f\u00fcn\u00fc ifade eden \u00d6nen, brokerlerin dan\u0131\u015fmanl\u0131k rol\u00fcn\u00fcn bu s\u00fcre\u00e7te b\u00fcy\u00fck \u00f6nem ta\u015f\u0131d\u0131\u011f\u0131n\u0131 s\u00f6yledi. Baz\u0131 finans y\u00f6neticilerinin\u00a0sadece d\u00fc\u015f\u00fck prim hedefiyle hareket etti\u011fini, bunun ise i\u015fverenler i\u00e7in uzun vadede daha y\u00fcksek maliyetlere neden olabildi\u011fini dile getiren \u00d6nen, sa\u011fl\u0131k sigortac\u0131l\u0131\u011f\u0131n\u0131n T\u00fcrkiye\u2019de ba\u015far\u0131l\u0131 bir noktada oldu\u011funu ve mevcut fiyatlar\u0131n genel olarak makul seviyelerde bulundu\u011funu s\u00f6zlerine ekliyor.<\/p>\n

\u2018\u0130yi ki sigortam var\u2019 diyen y\u00fczlerce sigortal\u0131m\u0131z var<\/strong><\/h4>\n

T\u00fcrkiye\u2019;deki sa\u011fl\u0131k sigortac\u0131l\u0131\u011f\u0131 sistemini yurt d\u0131\u015f\u0131ndaki uygulamalarla kar\u015f\u0131la\u015ft\u0131ran \u00d6nen, Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131\u2019n\u0131n (TSS) sundu\u011fu fiyat avantaj\u0131 ve hizmet kalitesine dikkat \u00e7ekti. Almanya\u2019da \u00f6zel sa\u011fl\u0131k sigortas\u0131\u00a0primlerinin ayl\u0131k yakla\u015f\u0131k 500 euro, ABD\u2019de ise d\u00f6rt ki\u015filik bir aile i\u00e7in ayl\u0131k yakla\u015f\u0131k 2 bin dolar seviyesinde oldu\u011funu hat\u0131rlatan \u00d6nen, T\u00fcrkiye\u2019de ise y\u0131ll\u0131k \u00e7ok daha eri\u015filebilir maliyetlerle kapsaml\u0131 sa\u011fl\u0131k g\u00fcvencesi sa\u011flanabildi\u011fini belirtti.<\/p>\n

Sa\u011fl\u0131k hizmetlerindeki y\u00fcksek maliyetler d\u00fc\u015f\u00fcn\u00fcld\u00fc\u011f\u00fcnde TSS\u2019nin \u00f6nemli bir g\u00fcvence sundu\u011funu vurgulayan \u00d6nen, sigortas\u0131z kalman\u0131n basit bir tetkikte dahi ciddi masraflar do\u011furabilece\u011fini ifade ediyor. Sigortan\u0131n yaln\u0131zca finansal koruma de\u011fil, ayn\u0131 zamanda \u00f6nemli bir ya\u015fam konforu sa\u011flad\u0131\u011f\u0131n\u0131 belirten \u00d6nen, poli\u00e7eyi kullanan sigortal\u0131lar\u0131n b\u00fcy\u00fck\u00a0b\u00f6l\u00fcm\u00fcn\u00fcn \u201c\u0130yi ki sigortam var\u201d dedi\u011fini s\u00f6zlerine ekliyor.<\/p>\n

Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 sekt\u00f6re olan g\u00fcveni tazeledi<\/strong><\/h4>\n

\u00d6nen, T\u00fcrkiye\u2019deki Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131\u2019n\u0131n (TSS), k\u00fcresel \u00f6l\u00e7ekte de\u011ferlendirildi\u011finde t\u00fcketiciler i\u00e7in \u00f6nemli bir avantaj sundu\u011funu belirtiyor. ABD\u2019de sosyal g\u00fcvenlik sisteminin T\u00fcrkiye\u2019deki SGK yap\u0131s\u0131ndan farkl\u0131 oldu\u011funu ve \u00f6zel sa\u011fl\u0131k sigortalar\u0131n\u0131n zorunlu bir ihtiya\u00e7 haline geldi\u011fini hat\u0131rlatan \u00d6nen, ayl\u0131k yakla\u015f\u0131k 2 bin dolarl\u0131k sa\u011fl\u0131k sigortas\u0131\u00a0primlerinin ciddi bir maliyet olu\u015fturdu\u011funu s\u00f6yl\u00fcyor. Buna kar\u015f\u0131l\u0131k T\u00fcrkiye\u2019de TSS\u2019nin \u00e7ok daha eri\u015filebilir oldu\u011funu vurgulayan \u00d6nen, d\u00fcnya ile k\u0131yasland\u0131\u011f\u0131nda bu \u00fcr\u00fcn\u00fcn \u2018bulunmaz bir nimet\u2019 oldu\u011funu ifade ediyor.<\/p>\n

TSS\u2019nin yaln\u0131zca bireylere sa\u011fl\u0131k g\u00fcvencesi sa\u011flamad\u0131\u011f\u0131n\u0131, ayn\u0131 zamanda sigorta sekt\u00f6r\u00fcne olan g\u00fcveni de art\u0131rd\u0131\u011f\u0131n\u0131 dile getiren \u00d6nen, bu \u00fcr\u00fcn\u00fcn sekt\u00f6r i\u00e7in adeta bir d\u00f6n\u00fcm noktas\u0131 oldu\u011funu s\u00f6yl\u00fcyor. Vatanda\u015flar\u0131n TSS sayesinde sigorta \u015firketlerinin ihtiya\u00e7 an\u0131nda ger\u00e7ekten destek sa\u011flad\u0131\u011f\u0131n\u0131 g\u00f6rd\u00fc\u011f\u00fcn\u00fc belirten \u00d6nen, bunun di\u011fer sigorta bran\u015flar\u0131na olan ilgiyi de olumlu etkiledi\u011fini ifade ederek, bug\u00fcn sekt\u00f6r\u00fcn lokomotif \u00fcr\u00fcn\u00fcn\u00fcn\u00a0Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 oldu\u011funu s\u00f6zlerine ekliyor.<\/p>\n

Grup Sa\u011fl\u0131k Sigortas\u0131nda as\u0131l de\u011fer dan\u0131\u015fmanl\u0131kt\u0131r<\/strong><\/h4>\n

Bankalar\u0131n kredi olanaklar\u0131 sunarak sigortal\u0131lara poli\u00e7e satma y\u00f6n\u00fcnde bask\u0131 yapt\u0131\u011f\u0131n\u0131, baz\u0131 finans\u00e7\u0131lar\u0131n ise i\u015fi ucuza kapatmak ad\u0131na bankalara y\u00f6neldi\u011fini belirten \u00d6nen, sigortal\u0131yaq kal\u0131c\u0131 ve kaliteli dan\u0131\u015fmanl\u0131k vermenin \u00f6nemine dikkat \u00e7ekti. Grup sa\u011fl\u0131k sigortalar\u0131nda en kritik konunun \u015firketin ba\u015far\u0131 karnesi say\u0131lan \u2018tazminat prim oran\u0131\u2019 oldu\u011funu vurgulayan \u00fcnl\u00fc broker, konunun mali arka plan\u0131n\u0131 ve sekt\u00f6rel i\u015fleyi\u015f hatalar\u0131n\u0131 \u015fu s\u00f6zlerle aktard\u0131: \u201cGrup sa\u011fl\u0131kta bir kere en \u00f6nemli konu tazminat prim oran\u0131, bizim karnemiz. Bu karnenin ba\u015far\u0131l\u0131 olmas\u0131 gerek. Dan\u0131\u015fmanl\u0131k burada. Ucuz sigortac\u0131l\u0131k, yani prim sigortac\u0131l\u0131\u011f\u0131 ile dan\u0131\u015fman aras\u0131ndaki fark bu. 10 y\u0131ll\u0131k bir periyot i\u00e7erisinde sigortaya ne kadar para \u00f6deyece\u011fini geriye d\u00f6n\u00fck bir hesaplasa bir i\u015fveren, sizin do\u011fru y\u00f6nlendirmenizle \u00e7ok ciddi para tasarrufu olur.
Dolay\u0131s\u0131yla bu sene al\u0131rs\u0131n\u0131z \u00e7ok ucuz bir poli\u00e7eyi grupta ama \u00f6n\u00fcm\u00fczdeki y\u0131l o karneniz bozuk \u00e7\u0131karsa y\u00fczde 300, y\u00fczde 500 prim art\u0131\u015flar\u0131 ile \u00e7ok ciddi paralarla, maliyetlerle kar\u015f\u0131 kar\u015f\u0131ya kalabilirsiniz bir sene tasarruf
ettiniz diye. Burada \u00f6nemli olan \u015fey dan\u0131\u015fmanl\u0131k hizmeti.\u201d<\/p>\n

Do\u011fru fiyatlama olmadan s\u00fcrd\u00fcr\u00fclebilir sigortac\u0131l\u0131k m\u00fcmk\u00fcn de\u011fil<\/strong><\/h4>\n

Grup sa\u011fl\u0131k sigortalar\u0131nda hasar\/prim oran\u0131n\u0131n yaln\u0131zca sigortal\u0131 kullan\u0131m\u0131na ba\u011flanamayaca\u011f\u0131n\u0131 belirten \u00d6nen, sigorta \u015firketlerinin fiyatland\u0131rma politikalar\u0131n\u0131 ele\u015ftirdi. Yanl\u0131\u015f fiyatlaman\u0131n hasar\/prim dengesini bozdu\u011funu ifade eden \u00d6nen, y\u00fcksek hasar oran\u0131na ula\u015fan gruplar\u0131n farkl\u0131 sigorta \u015firketlerinden de y\u00fcksek prim teklifleri almak zorunda kald\u0131\u011f\u0131n\u0131 s\u00f6yl\u00fcyor. Sigorta \u015firketlerinin konuya zaman zaman robotik bir bak\u0131\u015f a\u00e7\u0131s\u0131yla yakla\u015ft\u0131\u011f\u0131n\u0131 savunan \u00d6nen, sa\u011fl\u0131kl\u0131 risk y\u00f6netimi i\u00e7in do\u011fru fiyatland\u0131rman\u0131n temel unsur oldu\u011funu vurgulad\u0131. Baz\u0131 \u015firketlerin zarar etmeyi ba\u015ftan kabul eden fiyatlama anlay\u0131\u015f\u0131n\u0131 da ele\u015ftiren \u00d6nen, s\u00fcrd\u00fcr\u00fclebilir bir sigortac\u0131l\u0131k i\u00e7in poli\u00e7elerin en ba\u015ftan do\u011fru maliyetlerle fiyatland\u0131r\u0131lmas\u0131 gerekti\u011fini ifade ediyor. Grup sa\u011fl\u0131k sigortalar\u0131nda s\u00fcrd\u00fcr\u00fclebilirli\u011fin do\u011fru risk y\u00f6netimiyle m\u00fcmk\u00fcn oldu\u011funu belirten \u00d6nen, sigorta \u015firketlerinin \u2018zarar b\u00fct\u00e7esi\u2019 anlay\u0131\u015f\u0131yla poli\u00e7e d\u00fczenlemesini ele\u015ftiriyor. Yanl\u0131\u015f fiyatlama ve plans\u0131z uygulamalar\u0131n hem sigortal\u0131ya hem de sigorta \u015firketine zarar verdi\u011fini ifade eden \u00d6nen, her poli\u00e7enin her sigorta \u015firketi i\u00e7in uygun olmad\u0131\u011f\u0131n\u0131 belirtiyor. Do\u011fru sigorta \u015firketi se\u00e7iminin de b\u00fcy\u00fck \u00f6nem ta\u015f\u0131d\u0131\u011f\u0131n\u0131 vurgulayan \u00d6nen,\u00a0\u015firketlerin grubun hasar\/prim oran\u0131n\u0131 etkin \u015fekilde y\u00f6netebilmesi, \u00e7al\u0131\u015fanlar\u0131n sa\u011fl\u0131k hizmeti kullan\u0131m al\u0131\u015fkanl\u0131klar\u0131n\u0131 analiz etmesi ve ihtiya\u00e7lara uygun \u00e7\u00f6z\u00fcmler sunmas\u0131 gerekti\u011fini belirtiyor. Ama\u00e7lar\u0131n\u0131n i\u015fverenlere uzun vadede en uygun\u00a0maliyetle en y\u00fcksek hizmet kalitesini sa\u011flamak oldu\u011funu ifade eden \u00d6nen, ba\u015far\u0131l\u0131 grup sa\u011fl\u0131k sigortac\u0131l\u0131\u011f\u0131n\u0131n temelinde do\u011fru dan\u0131\u015fmanl\u0131k ve s\u00fcrd\u00fcr\u00fclebilir risk y\u00f6netiminin yer ald\u0131\u011f\u0131n\u0131 vurguluyor.<\/p>\n

Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 ve Kasko art\u0131k l\u00fcks de\u011fil<\/strong><\/h4>\n

Artan sa\u011fl\u0131k ve ara\u00e7 bak\u0131m maliyetleri kar\u015f\u0131s\u0131nda Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 (TSS) ile kasko poli\u00e7elerinin \u00f6neminin her ge\u00e7en g\u00fcn artt\u0131\u011f\u0131n\u0131 s\u00f6yleyen \u00d6nen, sa\u011fl\u0131k sigortas\u0131n\u0131n gen\u00e7 ve sa\u011fl\u0131kl\u0131 ya\u015flarda yapt\u0131r\u0131lmas\u0131n\u0131n hem daha ekonomik oldu\u011funu hem de \u00f6zel sa\u011fl\u0131k hizmetlerine h\u0131zl\u0131 eri\u015fim sa\u011flayarak \u00f6nemli bir konfor sundu\u011funu belirten\u00a0\u00d6nen, en az\u0131ndan yatarak tedavi teminat\u0131n\u0131 i\u00e7eren bir TSS poli\u00e7esinin herkes i\u00e7in gerekli oldu\u011funu vurguluyor. Kasko sigortas\u0131nda da benzer bir tablo ya\u015fand\u0131\u011f\u0131n\u0131 ifade eden \u00d6nen, g\u00fcn\u00fcm\u00fczde yaln\u0131zca bir arac\u0131n \u00f6n cam\u0131 de\u011fi\u015fiminin dahi 30-40 bin liray\u0131 bulabildi\u011fini, hasars\u0131z s\u00fcr\u00fcc\u00fcler i\u00e7in y\u0131ll\u0131k kasko primlerinin \u00e7o\u011fu zaman bu maliyet seviyesinde oldu\u011funu belirtti. Bu nedenle kasko yapt\u0131rman\u0131n, olas\u0131 y\u00fcksek onar\u0131m giderlerine kar\u015f\u0131 \u00f6nemli bir g\u00fcvence sa\u011flad\u0131\u011f\u0131n\u0131 s\u00f6yledi.
Par\u00e7a ve i\u015f\u00e7ilik maliyetlerindeki art\u0131\u015f\u0131n sigortay\u0131 her zamankinden daha \u00f6nemli hale getirdi\u011fini kaydeden \u00d6nen, \u00f6zellikle orta gelir grubundaki bireylerin sigortadan vazge\u00e7memesi gerekti\u011fini belirtti. Hasar an\u0131nda poli\u00e7enin de\u011ferinin daha iyi anla\u015f\u0131ld\u0131\u011f\u0131n\u0131 ifade eden \u00d6nen, do\u011fru \u00fcr\u00fcn se\u00e7imi ve uzman dan\u0131\u015fmanl\u0131\u011f\u0131n sigortac\u0131l\u0131kta en \u00f6nemli unsurlardan biri\u00a0oldu\u011funun alt\u0131n\u0131 \u00e7izdi.<\/p>\n

Sigorta Ekran\u0131: <\/em><\/strong><\/p>\n

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Tweet<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Dal\u0131\u015f tutkusu ile sigorta brokerli\u011fini ayn\u0131 disiplin anlay\u0131\u015f\u0131nda bulu\u015fturan Nen Sigorta Brokerli\u011fi sahibi Yavuz \u00d6nen, \u201cDal\u0131\u015fta nas\u0131l hava, ekipman ve risk analizi yap\u0131lmadan suya girilmiyorsa, sigortac\u0131l\u0131kta da do\u011fru analiz yap\u0131lmadan poli\u00e7e d\u00fczenlenemez\u201d diyor. \u00d6nen, \u00f6zellikle ucuz poli\u00e7e yerine do\u011fru risk<\/p>\n","protected":false},"author":1,"featured_media":698,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-697","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\/697","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=697"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/697\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/media\/698"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=697"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=697"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=697"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}