{"id":863,"date":"2026-08-18T13:16:41","date_gmt":"2026-08-18T10:16:41","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=863"},"modified":"2026-08-18T13:16:41","modified_gmt":"2026-08-18T10:16:41","slug":"yaslanan-nufus-sigorta-ve-emeklilik-sistemlerinde-dengeleri-degistiriyor","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=863","title":{"rendered":"Ya\u015flanan n\u00fcfus sigorta ve emeklilik sistemlerinde dengeleri de\u011fi\u015ftiriyor"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>T\u00fcrkiye Sigorta ve T\u00fcrkiye Hayat Emeklilik\u2019in haz\u0131rlad\u0131\u011f\u0131 rapor, ya\u015flanan n\u00fcfusun sigorta, emeklilik ve sa\u011fl\u0131k sistemleri \u00fczerindeki etkilerini ortaya koydu. T\u00fcrkiye Sigorta Hazine ve Emeklilik Operasyonlar\u0131 Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 G\u00fcrol Sami \u00d6zer, 2050\u2019de 65 ya\u015f ve \u00fczeri n\u00fcfusun 1,6 milyara ula\u015fmas\u0131n\u0131n beklendi\u011fini belirterek kamu, emeklilik \u015firketleri ve bireyler aras\u0131nda dengeli bir y\u00fck payla\u015f\u0131m\u0131 kurulmas\u0131 gerekti\u011fini s\u00f6yledi.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">T\u00fcrkiye Sigorta ve T\u00fcrkiye Hayat Emeklilik, k\u00fcresel n\u00fcfusun ya\u015flanmas\u0131n\u0131n ekonomi ile sigorta ve emeklilik sistemleri \u00fczerindeki etkilerini inceleyen \u201cUzun Ya\u015fam Ekonomisi: Ya\u015flanan N\u00fcfusun Sigorta ve Emeklilik Sekt\u00f6r\u00fcne Etkileri\u201d ba\u015fl\u0131kl\u0131 bir rapor haz\u0131rlad\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Raporda k\u00fcresel demografik d\u00f6n\u00fc\u015f\u00fcm\u00fcn yan\u0131 s\u0131ra ya\u015flanan n\u00fcfusun sa\u011fl\u0131k ekonomisine etkileri, yapay zek\u00e2 ve GLP-1 gibi yeni nesil sa\u011fl\u0131k teknolojilerinin yaratt\u0131\u011f\u0131 de\u011fi\u015fim, sigorta ve emeklilik sekt\u00f6r\u00fcn\u00fcn kar\u015f\u0131la\u015faca\u011f\u0131 riskler ile uzun ya\u015fam\u0131n beraberinde getirece\u011fi etik tart\u0131\u015fmalar de\u011ferlendirildi.<\/p>\n<p class=\"wp-block-paragraph\"><strong>T\u00fcrkiye Sigorta Hazine ve Emeklilik Operasyonlar\u0131 Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 G\u00fcrol Sami \u00d6zer<\/strong>, demografik d\u00f6n\u00fc\u015f\u00fcm\u00fcn k\u00fcresel ekonomiyi k\u00f6kl\u00fc bir yap\u0131sal de\u011fi\u015fime zorlad\u0131\u011f\u0131n\u0131 belirterek, \u201c2050\u2019de 65 ya\u015f ve \u00fczeri n\u00fcfusun 1,6 milyara ula\u015fmas\u0131 beklenirken bu durumun sosyal g\u00fcvenlik ve sa\u011fl\u0131k sistemleri \u00fczerinde \u00f6nemli bir y\u00fck olu\u015fturmas\u0131 tahmin ediliyor\u201d dedi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Avrupa\u2019da her emekliyi finanse eden \u00e7al\u0131\u015fan say\u0131s\u0131 2\u2019ye d\u00fc\u015fecek<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Avrupa\u2019da bug\u00fcn her bir emekliyi finanse eden 3,4 \u00e7al\u0131\u015fan bulundu\u011funu, 2050\u2019de ise bu say\u0131n\u0131n 2\u2019ye d\u00fc\u015fecek olmas\u0131n\u0131n kamusal emeklilik sistemlerinin s\u00fcrd\u00fcr\u00fclebilirli\u011fini tehdit etti\u011fini belirten \u00d6zer, sa\u011fl\u0131k alan\u0131nda da artan ya\u015fl\u0131 n\u00fcfusa ba\u011fl\u0131 olarak medikal maliyetlerin y\u00fckseldi\u011fine ve personel a\u00e7\u0131\u011f\u0131n\u0131n k\u00e2r marjlar\u0131n\u0131 bask\u0131lad\u0131\u011f\u0131na dikkat \u00e7ekti.<\/p>\n<p class=\"wp-block-paragraph\">\u00d6zer, devletlerin bu s\u00fcrece yasal emeklilik ya\u015f\u0131n\u0131 ve \u015fartlar\u0131n\u0131 otomatik olarak y\u00fckselten ve ya\u015fam beklentisine endeksleyen mekanizmalar kurarak haz\u0131rland\u0131\u011f\u0131n\u0131 belirterek, \u201cEn b\u00fcy\u00fck ekonomik ve sosyal riskin ise \u2018ya\u015fam s\u00fcresi\u2019nin devletten do\u011frudan bireylere kaymas\u0131 ve tasarruf a\u00e7\u0131\u011f\u0131n\u0131n derinle\u015fmesi olarak belirtebilirim\u201d diye konu\u015ftu.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cKamu, emeklilik \u015firketleri ve bireyler aras\u0131nda dengeli bir y\u00fck payla\u015f\u0131m\u0131 kurulmal\u0131\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">\u0130nsan \u00f6mr\u00fcn\u00fcn uzamas\u0131n\u0131n geleneksel kamu emeklilik modellerinin s\u00fcrd\u00fcr\u00fclebilirli\u011fini zorla\u015ft\u0131rd\u0131\u011f\u0131n\u0131 ve \u00e7al\u0131\u015fan-emekli dengesini bozdu\u011funu ifade eden \u00d6zer, bu durumun ya\u015fam s\u00fcresi riskinin kamudan bireye transfer olmas\u0131na, bireylerin daha uzun s\u00fcre \u00e7al\u0131\u015fmas\u0131na veya \u00f6zel birikimlerini art\u0131rmas\u0131na yol a\u00e7t\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n<p class=\"wp-block-paragraph\">\u00d6zer, tamamlay\u0131c\u0131 emeklilik mekanizmalar\u0131n\u0131n \u00f6nemine ili\u015fkin \u015funlar\u0131 kaydetti:<br \/>\u201c\u0130nsanlar\u0131n sa\u011fl\u0131kl\u0131 ve refah i\u00e7inde kalabilmesi i\u00e7in kamu kaynakl\u0131 birinci basamak sistemlere ek olarak, tamamlay\u0131c\u0131 mekanizmalar geli\u015ftirilmelidir. T\u00fcrkiye \u00f6zelinde Orta Vadeli Program kapsam\u0131ndaki Tamamlay\u0131c\u0131 Emeklilik Sistemi gibi zorunlu ikinci basamak modeller ile Bireysel Emeklilik Sistemi bu noktada hayati rol oynuyor. D\u00fcnyada ya\u015flanman\u0131n getirdi\u011fi maliyetlerin tek bir payda\u015f veya kurum taraf\u0131ndan kar\u015f\u0131lanamayacak boyuta ula\u015ft\u0131\u011f\u0131n\u0131 belirtmek istiyorum. Bu y\u00fczden kamu, emeklilik \u015firketleri ve bireyler aras\u0131nda dengeli bir y\u00fck payla\u015f\u0131m\u0131 kurulmal\u0131d\u0131r.\u201d<\/p>\n<p class=\"wp-block-paragraph\">Bireylerin emeklilik d\u00f6nemindeki gelir kay\u0131plar\u0131n\u0131 ve cepten sa\u011fl\u0131k harcamalar\u0131n\u0131 dengelemek amac\u0131yla bireysel emeklilik fonlar\u0131 gibi pasif gelir \u00fcreten alternatif birikim ara\u00e7lar\u0131na y\u00f6nelmesi gerekti\u011fini belirten \u00d6zer, BES birikimlerinin emeklilik a\u015famas\u0131nda do\u011frudan \u00f6m\u00fcr boyu yenileme garantili Tamamlay\u0131c\u0131 Sa\u011fl\u0131k Sigortas\u0131 poli\u00e7elerine d\u00f6n\u00fc\u015ft\u00fc\u011f\u00fc hibrit finansal \u00fcr\u00fcnlerin de bireysel riski minimize edece\u011fini ifade etti.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Uzun ya\u015fam teknolojilerinde \u201cbiyolojik kast sistemi\u201d riski<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Raporda, uzun ve sa\u011fl\u0131kl\u0131 ya\u015fam teknolojilerine eri\u015fimde ortaya \u00e7\u0131kabilecek e\u015fitsizlikler de ele al\u0131nd\u0131. \u00d6zer, pahal\u0131 biyoteknolojik tedaviler ve yenilik\u00e7i ila\u00e7lara ba\u015flang\u0131\u00e7ta yaln\u0131zca y\u00fcksek gelirli gruplar\u0131n ula\u015fabilmesinin sosyoekonomik u\u00e7urumu fizyolojik boyuta ta\u015f\u0131yarak \u201cbiyolojik bir kast sistemi\u201d yaratma riski bulundu\u011funu s\u00f6yledi.<\/p>\n<p class=\"wp-block-paragraph\">\u00d6zer, \u201cEn d\u00fc\u015f\u00fck gelir grubundakilerin y\u00fczde 44\u2019\u00fc kronik hastal\u0131k bildirirken bu oran\u0131n y\u00fcksek gelirlilerde y\u00fczde 28 kalmas\u0131 sa\u011fl\u0131k e\u015fitsizli\u011finin halihaz\u0131rdaki boyutunu ve gelecekteki derinle\u015fme potansiyelini a\u00e7\u0131k\u00e7a g\u00f6steriyor\u201ddedi.<\/p>\n<p class=\"wp-block-paragraph\">Biyoteknolojik geli\u015fmelerin bu fark\u0131 art\u0131rmas\u0131 durumunda ekonomik g\u00fc\u00e7 ve servetin daha ileri ya\u015f gruplar\u0131nda birikmesinin g\u00fcndeme gelece\u011fini belirten \u00d6zer, sosyal g\u00fcvenlik ve sa\u011fl\u0131k sigortas\u0131 \u00fczerindeki finansal y\u00fck\u00fcn artmas\u0131n\u0131n da kamu maliyesinde k\u0131r\u0131lganl\u0131klara yol a\u00e7abilece\u011fini kaydetti.<\/p>\n<p class=\"wp-block-paragraph\">\u00d6zer, bu s\u00fcre\u00e7te kamunun d\u00fczenleyici rol\u00fcn\u00fcn, kapsay\u0131c\u0131 Uzun S\u00fcreli Bak\u0131m Sigortas\u0131 uygulamalar\u0131n\u0131n ve \u00f6zel sigorta ekosisteminin kapsay\u0131c\u0131 \u00fcr\u00fcn tasar\u0131mlar\u0131n\u0131n toplumsal dengenin korunmas\u0131nda stratejik \u00f6nem ta\u015f\u0131d\u0131\u011f\u0131n\u0131 vurgulad\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Akt\u00fceryal hesaplamalarda ya\u015fam beklentisinin a\u011f\u0131rl\u0131\u011f\u0131 artacak<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">T\u0131p ve biyoteknolojideki geli\u015fmelerle insan \u00f6mr\u00fcn\u00fcn uzamas\u0131n\u0131n akt\u00fceryal hesaplamalar ile sigortac\u0131l\u0131ktaki s\u0131n\u0131rlar\u0131n yeniden tan\u0131mlanmas\u0131n\u0131 gerekli h\u00e2le getirdi\u011fini belirten \u00d6zer, \u00e7\u00f6z\u00fcm\u00fcn sigorta sistemlerinin emeklilik \u00f6demelerine kat\u0131 bir \u201cy\u0131l s\u0131n\u0131r\u0131\u201d koymas\u0131 \u015feklinde ger\u00e7ekle\u015fmeyece\u011fini s\u00f6yledi.<\/p>\n<p class=\"wp-block-paragraph\">\u00d6zer, \u201cBunun yerine akt\u00fceryal sistem, \u2018otomatik endeksleme\u2019 ve \u2018tan\u0131mlanm\u0131\u015f katk\u0131\u2019 esasl\u0131 dinamik modellere ge\u00e7i\u015f yapmaktad\u0131r. OECD \u00fclkelerindeki trendleri inceledi\u011fimizde, bireylerin birikimlerinin maa\u015fa d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesinde o anki beklenen ya\u015fam s\u00fcresi katsay\u0131lar\u0131n\u0131n kullan\u0131ld\u0131\u011f\u0131 itibari hesaplar ve tan\u0131mlanm\u0131\u015f katk\u0131 planlar\u0131 \u00f6ne \u00e7\u0131kmaktad\u0131r\u201d dedi.<\/p>\n<p class=\"wp-block-paragraph\">\u00d6denecek emekli maa\u015f\u0131 tutar\u0131n\u0131n veya tam emeklilik i\u00e7in gerekli prim g\u00fcn say\u0131s\u0131 ve ya\u015f\u0131n otomatik olarak ortalama ya\u015fam beklentisine endekslendi\u011fini anlatan \u00d6zer, \u201cB\u00f6ylece akt\u00fceryal denge, y\u0131l bazl\u0131 do\u011frudan k\u0131s\u0131tlamalar yerine finansal \u00e7arpanlar\u0131n ve emeklilik ya\u015f\u0131n\u0131n dinamik olarak g\u00fcncellenmesiyle sa\u011flanacakt\u0131r\u201d ifadelerini kulland\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Yapay zek\u00e2 ve GLP-1 sa\u011fl\u0131k ekonomisinde yeni bir alan a\u00e7\u0131yor<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Sa\u011fl\u0131k sistemlerindeki artan maliyet bask\u0131s\u0131na da de\u011finen \u00d6zer, yapay zek\u00e2 uygulamalar\u0131n\u0131n verimlilik sa\u011flamas\u0131, AR-GE maliyetlerini d\u00fc\u015f\u00fcrmesi ve ila\u00e7 ke\u015fif s\u00fcre\u00e7lerini h\u0131zland\u0131rmas\u0131yla \u00f6nemli bir \u00e7\u00f6z\u00fcm sundu\u011funu ifade etti.<\/p>\n<p class=\"wp-block-paragraph\">GLP-1 obezite ila\u00e7lar\u0131n\u0131n biyomedikal alanda kritik bir d\u00f6n\u00fc\u015f\u00fcm ba\u015flatt\u0131\u011f\u0131na dikkat \u00e7eken \u00d6zer, s\u00f6z konusu pazar\u0131n 2035 y\u0131l\u0131na kadar 190 milyar dolarl\u0131k b\u00fcy\u00fckl\u00fc\u011fe ula\u015fmas\u0131n\u0131n \u00f6ng\u00f6r\u00fcld\u00fc\u011f\u00fcn\u00fc s\u00f6yledi.<\/p>\n<p class=\"wp-block-paragraph\">Bu \u00e7\u00f6z\u00fcmlerin do\u011frudan hastane harcamalar\u0131n\u0131 ortadan kald\u0131ran bir nitelik ta\u015f\u0131mad\u0131\u011f\u0131n\u0131 vurgulayan \u00d6zer, \u201cRaporumuzda vurguland\u0131\u011f\u0131 \u00fczere GLP-1 tedavisi b\u0131rak\u0131ld\u0131\u011f\u0131nda verilen kilolar h\u0131zla geri al\u0131nd\u0131\u011f\u0131ndan, s\u00fcre\u00e7 s\u00fcrekli bir abonelik ekosistemine d\u00f6n\u00fc\u015fmekte ve medikal b\u00fct\u00e7eler \u00fczerinde yeni y\u00fckler yaratmaktad\u0131r\u201d dedi.<\/p>\n<p class=\"wp-block-paragraph\"><strong><em>Kaynak: AA<\/em><\/strong><\/p>\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Fyaslanan-nufus-sigorta-ve-emeklilik-sistemlerinde-dengeleri-degistiriyor%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye Sigorta ve T\u00fcrkiye Hayat Emeklilik\u2019in haz\u0131rlad\u0131\u011f\u0131 rapor, ya\u015flanan n\u00fcfusun sigorta, emeklilik ve sa\u011fl\u0131k sistemleri \u00fczerindeki etkilerini ortaya koydu. T\u00fcrkiye Sigorta Hazine ve Emeklilik Operasyonlar\u0131 Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 G\u00fcrol Sami \u00d6zer, 2050\u2019de 65 ya\u015f ve \u00fczeri n\u00fcfusun 1,6 milyara ula\u015fmas\u0131n\u0131n<\/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-863","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/863","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=863"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/863\/revisions"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=863"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=863"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=863"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}