{"id":832,"date":"2026-08-11T12:52:51","date_gmt":"2026-08-11T09:52:51","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=832"},"modified":"2026-08-11T12:52:51","modified_gmt":"2026-08-11T09:52:51","slug":"sigorta-sektorunun-2025-hasar-odemeleri-500-milyar-lirayi-buldu","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=832","title":{"rendered":"Sigorta sekt\u00f6r\u00fcn\u00fcn 2025 hasar \u00f6demeleri 500 milyar liray\u0131 buldu"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>Sigorta sekt\u00f6r\u00fcnde prim \u00fcretimindeki g\u00fc\u00e7l\u00fc art\u0131\u015f\u0131n yan\u0131 s\u0131ra sigortal\u0131lara yap\u0131lan hasar \u00f6demeleri de sekt\u00f6r\u00fcn ekonomide \u00fcstlendi\u011fi risk transferi ve finansal koruma i\u015flevini ortaya koydu. \u00d6zellikle yang\u0131n ve do\u011fal afetler, kara ara\u00e7lar\u0131 ve genel zararlar bran\u015flar\u0131nda kaydedilen y\u00fcksek prim \u00fcretimi, artan risklere kar\u015f\u0131 sigorta g\u00fcvencesine duyulan ihtiyac\u0131n \u00f6nemini g\u00f6sterdi.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Anadolu Ajans\u0131\u2019n\u0131n, T\u00fcrkiye Sigorta Birli\u011finin (TSB) yay\u0131mlad\u0131\u011f\u0131 \u201cSekt\u00f6r Raporu 2025\u201d \u00e7al\u0131\u015fmas\u0131ndan derledi\u011fi bilgilere g\u00f6re, Hayat bran\u015f\u0131ndaki toplam prim \u00fcretimi y\u00fczde 79 art\u0131\u015fla 178,9 milyar liraya ula\u015f\u0131rken, hayat d\u0131\u015f\u0131 bran\u015flarda da g\u00fc\u00e7l\u00fc bir b\u00fcy\u00fcme kaydedildi. Yang\u0131n ve do\u011fal afetler bran\u015f\u0131nda prim \u00fcretimi y\u00fczde 36 y\u00fckselerek 166,2 milyar liraya \u00e7\u0131kt\u0131. Kara ara\u00e7lar\u0131 bran\u015f\u0131nda, yani kasko sigortalar\u0131nda, prim \u00fcretimi y\u00fczde 31 art\u0131\u015fla 147,6 milyar liraya ula\u015ft\u0131. Genel zararlar bran\u015f\u0131nda ise y\u00fczde 50\u2019lik b\u00fcy\u00fcme ger\u00e7ekle\u015firken, toplam prim \u00fcretimi 112,1 milyar lira oldu.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Hasar \u00f6demeleri sigortan\u0131n koruyucu rol\u00fcn\u00fc ortaya koydu<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Yang\u0131n ve do\u011fal afetler, kasko ve genel zararlar gibi y\u00fcksek risk ta\u015f\u0131yan bran\u015flarda \u00fcretimin artmas\u0131, sigorta \u015firketlerinin bireylerin ve i\u015fletmelerin kar\u015f\u0131 kar\u015f\u0131ya kald\u0131\u011f\u0131 risklerin finansal sonu\u00e7lar\u0131n\u0131 \u00fcstlenmedeki rol\u00fcn\u00fc de \u00f6ne \u00e7\u0131kard\u0131. \u00d6zellikle do\u011fal afetler, ara\u00e7 hasarlar\u0131 ve \u00e7e\u015fitli mal varl\u0131\u011f\u0131 riskleri nedeniyle olu\u015fan zararlar\u0131n sigorta sistemi \u00fczerinden kar\u015f\u0131lanmas\u0131, hasar \u00f6demelerinin sekt\u00f6r\u00fcn en \u00f6nemli fonksiyonlar\u0131ndan biri oldu\u011funu bir kez daha ortaya koydu.<\/p>\n<p class=\"wp-block-paragraph\">Artan prim \u00fcretimiyle birlikte hasar s\u00fcre\u00e7lerinin h\u0131zl\u0131 ve etkin y\u00f6netilmesi de sekt\u00f6r\u00fcn g\u00fcndemindeki \u00f6nemini korurken, sigorta \u015firketlerinin m\u00fc\u015fterilerine sundu\u011fu teminatlar\u0131n ekonomik kay\u0131plar\u0131n telafi edilmesindeki rol\u00fc g\u00fc\u00e7lendi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>BES fonlar\u0131 2 trilyon liraya yakla\u015ft\u0131<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Bireysel Emeklilik Sistemi\u2019nde (BES) ise kat\u0131l\u0131mc\u0131lar\u0131n toplam fon b\u00fcy\u00fckl\u00fc\u011f\u00fc ge\u00e7en y\u0131l sonu itibar\u0131yla bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 81 artarak 1,8 trilyon liraya ula\u015ft\u0131. Devlet katk\u0131s\u0131 fon tutar\u0131 y\u00fczde 62 y\u00fckseli\u015fle 222,1 milyar liraya \u00e7\u0131karken, devlet katk\u0131s\u0131 dahil toplam fon b\u00fcy\u00fckl\u00fc\u011f\u00fc y\u00fczde 78 art\u0131\u015fla 2 trilyon lira seviyesine y\u00fckseldi.<\/p>\n<p class=\"wp-block-paragraph\">Sistemdeki fonlar\u0131n yakla\u015f\u0131k y\u00fczde 38\u2019inin, alt\u0131n fonlar\u0131n\u0131n da i\u00e7inde bulundu\u011fu faizsiz fonlarda de\u011ferlendirildi\u011fi g\u00f6r\u00fcld\u00fc. Kat\u0131l\u0131mc\u0131 say\u0131s\u0131 ise y\u00fczde 6,6 artarak 10,2 milyona ula\u015ft\u0131. Gerekli ko\u015fullar\u0131 sa\u011flayan 432 bin 793 kat\u0131l\u0131mc\u0131 sistemden emeklilik hakk\u0131 elde etti.<\/p>\n<p class=\"wp-block-paragraph\">18 ya\u015f alt\u0131 kat\u0131l\u0131mc\u0131 say\u0131s\u0131 da 1,6 milyonu a\u015farken, bu segmentte devlet katk\u0131s\u0131 dahil toplam fon b\u00fcy\u00fckl\u00fc\u011f\u00fc 85 milyar liraya yakla\u015ft\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>BES fonlar\u0131n\u0131n ortalama getirisi y\u00fczde 60,9 oldu<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Y\u0131l sonu itibar\u0131yla BES fonlar\u0131n\u0131n ortalama getirisi y\u00fczde 60,9 olarak ger\u00e7ekle\u015firken, sistem reel bazda yakla\u015f\u0131k y\u00fczde 23 getiri sa\u011flad\u0131. B\u00f6ylece BES fonlar\u0131, finansal piyasalarda alt\u0131ndan sonra en y\u00fcksek ortalama getiriyi sa\u011flayan yat\u0131r\u0131m ara\u00e7lar\u0131 aras\u0131nda yer ald\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Fon getirilerinde alt\u0131n a\u011f\u0131rl\u0131\u011f\u0131 dikkat \u00e7ekti. A\u011f\u0131rl\u0131kl\u0131 ortalamalara g\u00f6re alt\u0131n kat\u0131l\u0131m fonlar\u0131 y\u00fczde 101,4, alt\u0131n fonlar\u0131 ise y\u00fczde 98,5 getiriyle ilk iki s\u0131rada yer ald\u0131. Alt\u0131n kat\u0131l\u0131m fonunun getirisi enflasyonun 69,9 puan, alt\u0131n fonunun getirisi ise 66,7 puan \u00fczerinde ger\u00e7ekle\u015fti.<\/p>\n<p class=\"wp-block-paragraph\">Bireysel Emeklilik Fon Al\u0131m Sat\u0131m Platformu\u2019nun (BEFAS) i\u015flem hacmi de y\u0131l sonu itibar\u0131yla 156,1 milyar liraya ula\u015ft\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>OKS\u2019de 7,8 milyon \u00e7al\u0131\u015fan bulunuyor<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Otomatik Kat\u0131l\u0131m Sistemi\u2019nde (OKS) \u00e7al\u0131\u015fan say\u0131s\u0131 y\u00fczde 3 art\u0131\u015fla 7,8 milyona y\u00fckseldi. \u00c7al\u0131\u015fanlar\u0131n toplam fon b\u00fcy\u00fckl\u00fc\u011f\u00fc y\u00fczde 48 artarak 121 milyar liraya ula\u015f\u0131rken, devlet katk\u0131s\u0131 fon tutar\u0131 y\u00fczde 52 y\u00fckseli\u015fle 8,2 milyar lira oldu. B\u00f6ylece devlet katk\u0131s\u0131 dahil OKS birikimleri 129 milyar liran\u0131n \u00fczerine \u00e7\u0131kt\u0131.<\/p>\n<p class=\"wp-block-paragraph\">OKS fonlar\u0131n\u0131n yakla\u015f\u0131k y\u00fczde 60\u2019\u0131n\u0131n faizsiz fonlarda de\u011ferlendirilmesi dikkat \u00e7ekti.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131 y\u00fczde 63 b\u00fcy\u00fcd\u00fc<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Sigorta sekt\u00f6r\u00fcn\u00fcn alternatif modellerinden kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131 da b\u00fcy\u00fcmesini s\u00fcrd\u00fcrd\u00fc. Kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131nda toplam prim \u00fcretimi y\u00fczde 63 art\u0131\u015fla 70,1 milyar liraya ula\u015ft\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Sekt\u00f6rde prim \u00fcretimindeki y\u00fckseli\u015fle birlikte sigorta \u015firketlerinin \u00fcstlendi\u011fi risklerin ve ger\u00e7ekle\u015ftirdi\u011fi hasar \u00f6demelerinin ekonomik a\u00e7\u0131dan ta\u015f\u0131d\u0131\u011f\u0131 \u00f6nem de artt\u0131. \u00d6zellikle do\u011fal afet, ara\u00e7 ve mal varl\u0131\u011f\u0131 kaynakl\u0131 zararlar\u0131n kar\u015f\u0131lanmas\u0131nda sigorta mekanizmas\u0131, hane halk\u0131 ve i\u015fletmelerin finansal dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131 destekleyen temel ara\u00e7lardan biri olmay\u0131 s\u00fcrd\u00fcrd\u00fc.<\/p>\n<p class=\"wp-block-paragraph\">\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Fsigorta-sektorunun-2025-hasar-odemeleri-500-milyar-lirayi-buldu%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>Sigorta sekt\u00f6r\u00fcnde prim \u00fcretimindeki g\u00fc\u00e7l\u00fc art\u0131\u015f\u0131n yan\u0131 s\u0131ra sigortal\u0131lara yap\u0131lan hasar \u00f6demeleri de sekt\u00f6r\u00fcn ekonomide \u00fcstlendi\u011fi risk transferi ve finansal koruma i\u015flevini ortaya koydu. \u00d6zellikle yang\u0131n ve do\u011fal afetler, kara ara\u00e7lar\u0131 ve genel zararlar bran\u015flar\u0131nda kaydedilen y\u00fcksek prim \u00fcretimi, artan<\/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-832","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/832","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=832"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/832\/revisions"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=832"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=832"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=832"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}