{"id":895,"date":"2026-08-25T20:38:41","date_gmt":"2026-08-25T17:38:41","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=895"},"modified":"2026-08-25T20:38:41","modified_gmt":"2026-08-25T17:38:41","slug":"sigortacilik-deyince-akla-gelen-bir-marka-olmak-istiyoruz","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=895","title":{"rendered":"Sigortac\u0131l\u0131k deyince akla gelen bir marka olmak istiyoruz"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>Referans Sigorta Genel M\u00fcd\u00fcr\u00fc O\u011fuz Karahan\u00e7er, operasyonel verimlilikten yeni hasar modeline, 5 y\u0131ll\u0131k yenileme garantisinden insan kayna\u011f\u0131 yat\u0131r\u0131mlar\u0131na kadar hayata ge\u00e7irdikleri uygulamalarla sekt\u00f6rde farkl\u0131la\u015fmay\u0131 hedeflediklerini belirterek \u201cSigortac\u0131l\u0131k deyince ne yap\u0131lmas\u0131 gerekiyorsa onu yapan \u015firket olarak an\u0131lmak istiyoruz. Hedefimiz sekt\u00f6r\u00fcn referans noktas\u0131 olmak\u201d dedi.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\"><strong>S\u0130GORTAMEDYA \u00d6ZEL<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Sigorta sekt\u00f6r\u00fc, ekonomik ko\u015fullar\u0131n, y\u00fcksek faiz ortam\u0131n\u0131n, maliyet bask\u0131lar\u0131n\u0131n ve artan rekabetin etkisiyle 2026\u2019n\u0131n ilk yar\u0131s\u0131n\u0131 farkl\u0131 dinamiklerin \u00f6ne \u00e7\u0131kt\u0131\u011f\u0131 bir d\u00f6nem olarak geride b\u0131rakt\u0131. Prim \u00fcretimindeki reel g\u00f6r\u00fcn\u00fcm, teknik ve mali k\u00e2rl\u0131l\u0131k aras\u0131ndaki denge, fiyat rekabeti, hasar maliyetlerinin y\u00f6netimi ve teminata eri\u015fim sekt\u00f6r\u00fcn g\u00fcndemindeki ba\u015fl\u0131ca konular aras\u0131nda yer ald\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Bu ortamda \u015firketlerin yaln\u0131zca fiyatla de\u011fil; operasyonel verimlilik, hizmet modeli, teknoloji kullan\u0131m\u0131, da\u011f\u0131t\u0131m kanallar\u0131yla kurdu\u011fu ili\u015fki ve yeni \u00fcr\u00fcn ve uygulamalarla farkl\u0131la\u015fmas\u0131 da giderek \u00f6nem kazan\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">Referans Sigorta da son d\u00f6nemde operasyonel verimlili\u011fi art\u0131rmaya, hasar s\u00fcre\u00e7lerinde farkl\u0131 bir model olu\u015fturmaya, sigortal\u0131lar\u0131n teminata eri\u015fiminde s\u00fcreklilik sa\u011flamaya ve nitelikli insan kayna\u011f\u0131 yeti\u015ftirmeye y\u00f6nelik uygulamalar\u0131yla bu alanda farkl\u0131la\u015fmay\u0131 hedefleyen \u015firketlerden biri.<\/p>\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"855\" height=\"393\" src=\"https:\/\/sigortamedya.com.tr\/wp-content\/uploads\/2026\/08\/IMG_2164-855x393.png\" alt=\"\" class=\"wp-image-131407\" \/><\/figure>\n<p class=\"wp-block-paragraph\"><strong>Sigorta Ekran\u0131\u2019nda Sigorta Medya Yay\u0131n Y\u00f6netmeni Can Kantar<\/strong>\u2019\u0131n konu\u011fu olan <strong>Referans Sigorta Genel M\u00fcd\u00fcr\u00fc O\u011fuz Karahan\u00e7er<\/strong>; sekt\u00f6r\u00fcn 2026\u2019n\u0131n ilk yar\u0131s\u0131ndaki performans\u0131ndan teknik k\u00e2rl\u0131l\u0131\u011fa, \u015firketin operasyonel verimlilik \u00e7al\u0131\u015fmalar\u0131ndan bran\u015f baz\u0131ndaki yeniliklere kadar pek \u00e7ok farkl\u0131 konuda de\u011ferlendirmelerde bulundu.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cSigorta sekt\u00f6r\u00fc ilk 6 ayda<\/strong> <strong>umdu\u011funu bulamad\u0131\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Sigorta sekt\u00f6r\u00fcn\u00fcn 2026\u2019n\u0131n ilk yar\u0131s\u0131ndaki g\u00f6r\u00fcn\u00fcm\u00fcn\u00fc de\u011ferlendiren Karahan\u00e7er, enflasyonla k\u0131yasland\u0131\u011f\u0131nda sekt\u00f6r\u00fcn b\u00fcy\u00fcme performans\u0131n\u0131n zay\u0131f kald\u0131\u011f\u0131n\u0131 s\u00f6yledi. TL baz\u0131nda reel bir k\u00fc\u00e7\u00fclme ya\u015fand\u0131\u011f\u0131n\u0131 aktaran Karahan\u00e7er, \u201c\u0130lk 6 ayda y\u00fczde 4,4 civar\u0131nda bir k\u00fc\u00e7\u00fclme ger\u00e7ekle\u015fti\u201d dedi.<\/p>\n<p class=\"wp-block-paragraph\">Sekt\u00f6r\u00fcn performans\u0131n\u0131n kullan\u0131lan g\u00f6stergeye g\u00f6re farkl\u0131 bir g\u00f6r\u00fcn\u00fcm ortaya koydu\u011funa da dikkat \u00e7eken Karahan\u00e7er, euro baz\u0131nda g\u00fc\u00e7l\u00fc bir b\u00fcy\u00fcme g\u00f6r\u00fcld\u00fc\u011f\u00fcn\u00fc ifade etti. T\u00fcrkiye\u2019nin hayat d\u0131\u015f\u0131 bran\u015flarda Avrupa\u2019n\u0131n \u00fc\u00e7\u00fcnc\u00fc b\u00fcy\u00fck sigorta pazar\u0131 oldu\u011funu hat\u0131rlatan Karahan\u00e7er, \u201cSon bir y\u0131lda d\u00f6viz kurundaki art\u0131\u015f\u0131n daha s\u0131n\u0131rl\u0131 kalmas\u0131 euro baz\u0131ndaki rakamlara olumlu yans\u0131d\u0131. Sekt\u00f6r\u00fcn \u00f6z kaynaklar\u0131nda da 2 milyar euronun \u00fczerinde art\u0131\u015f ger\u00e7ekle\u015fti. Yabanc\u0131 yat\u0131r\u0131mc\u0131 a\u00e7\u0131s\u0131ndan bak\u0131ld\u0131\u011f\u0131nda T\u00fcrkiye sigorta pazar\u0131n\u0131n b\u00fcy\u00fcme rakamlar\u0131 olumlu bir tablo ortaya koyuyor\u201d dedi.<\/p>\n<p class=\"wp-block-paragraph\">Ancak T\u00fcrkiye\u2019de yerle\u015fik faaliyet g\u00f6steren \u015firketler a\u00e7\u0131s\u0131ndan esas g\u00f6stergenin TL baz\u0131ndaki reel performans oldu\u011funun alt\u0131n\u0131 \u00e7izen Karahan\u00e7er, \u201cMaliyetlerin \u00f6nemli b\u00f6l\u00fcm\u00fc TL \u00fczerinden olu\u015fuyor. \u0130\u015f\u00e7ilik, tazminat ve personel giderleri gibi kalemler enflasyon ve \u00fccret art\u0131\u015flar\u0131ndan do\u011frudan etkileniyor. Reas\u00fcrans maliyetleri d\u0131\u015f\u0131nda \u00f6nemli gider kalemlerinin neredeyse tamam\u0131 TL baz\u0131nda. Euro baz\u0131nda bak\u0131yorsan\u0131z, yabanc\u0131 bir yat\u0131r\u0131mc\u0131ysan\u0131z ve k\u00e2r transferi yapabilecek durumunuz varsa her \u015fey \u00e7ok olumlu g\u00f6r\u00fcn\u00fcyor. Ancak T\u00fcrkiye\u2019de yerle\u015fik olarak bakt\u0131\u011f\u0131n\u0131zda sigorta sekt\u00f6r\u00fc ilk 6 ayda umdu\u011funu bulamad\u0131 diyebiliriz\u201d diye konu\u015ftu.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cFaiz gelirlerinin yaratt\u0131\u011f\u0131<\/strong> <strong>rahatlama dikkatle y\u00f6netilmeli\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Y\u00fcksek faiz ortam\u0131n\u0131n sigorta \u015firketlerine sa\u011flad\u0131\u011f\u0131 mali gelirin teknik k\u00e2rl\u0131l\u0131k a\u00e7\u0131s\u0131ndan dikkatle y\u00f6netilmesi gerekti\u011fini belirten Karahan\u00e7er, \u015firketlerin ge\u00e7en y\u0131l\u0131n sonunda b\u00fct\u00e7elerini haz\u0131rlarken faiz oranlar\u0131n\u0131n bu d\u00f6nemde y\u00fczde 20\u2019li seviyelerin hemen \u00fczerinde olaca\u011f\u0131n\u0131 \u00f6ng\u00f6rd\u00fcklerini, bug\u00fcn ise mevduatta bu beklentinin neredeyse iki kat\u0131na ula\u015fan oranlar\u0131n g\u00f6r\u00fclebildi\u011fini s\u00f6yledi.<\/p>\n<p class=\"wp-block-paragraph\">Y\u00fcksek faizlerin sa\u011flad\u0131\u011f\u0131 ek gelirin gelecekte ortaya \u00e7\u0131kabilecek kur ve maliyet art\u0131\u015flar\u0131 dikkate al\u0131narak de\u011ferlendirilmesi gerekti\u011fini vurgulayan Karahan\u00e7er, \u201cBurada kazand\u0131\u011f\u0131m\u0131z her \u015feyi asl\u0131nda \u00f6n\u00fcm\u00fczdeki d\u00f6nemde daha h\u0131zl\u0131 bir kur art\u0131\u015f\u0131 ve maliyetlerin \u00e7ok h\u0131zl\u0131 y\u00fckselece\u011fi durumlar\u0131 \u00f6ng\u00f6rerek rezerv olarak tutmam\u0131z gerekiyor\u201d dedi.<\/p>\n<p class=\"wp-block-paragraph\">K\u0131sa vadeli hedeflerle prim \u00fcretimini art\u0131rmaya odaklanan baz\u0131 \u015firketlerde y\u00fcksek faiz ortam\u0131n\u0131n rehavet yaratabildi\u011fine dikkat \u00e7eken Karahan\u00e7er, ge\u00e7mi\u015fte mali k\u00e2rl\u0131l\u0131\u011f\u0131 fiyat rekabetinde kullanan \u015firketlerin ciddi sorunlarla kar\u015f\u0131la\u015ft\u0131\u011f\u0131n\u0131 hat\u0131rlatt\u0131. Karahan\u00e7er, 2013-2014 y\u0131llar\u0131nda \u00f6z kaynaklar\u0131n\u0131 birka\u00e7 kez t\u00fcketen \u015firketlere tan\u0131kl\u0131k ettiklerini belirterek, y\u00fcksek faiz d\u00f6nemlerinde elde edilen kaynaklar\u0131n do\u011fru kullan\u0131lmas\u0131n\u0131n \u00f6nemini vurgulad\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Teknik k\u00e2rl\u0131l\u0131\u011f\u0131n sigortac\u0131l\u0131\u011f\u0131n vazge\u00e7ilmez unsurlar\u0131ndan biri oldu\u011funu kaydeden Karahan\u00e7er, faizlerin y\u00fczde 6-6,5 seviyelerinde oldu\u011fu d\u00f6nemlerde kazan\u00e7 oran\u0131 ve \u00f6zkaynak k\u00e2rl\u0131l\u0131\u011f\u0131n\u0131n dolar baz\u0131nda yapt\u0131\u011f\u0131 hesaplamaya g\u00f6re y\u00fczde 16-17 seviyesinde bulundu\u011funu, bug\u00fcn ise y\u00fczde 17-18 seviyelerinde devam etti\u011fini s\u00f6yledi.<\/p>\n<p class=\"wp-block-paragraph\">Teknik ve mali k\u00e2rl\u0131l\u0131k aras\u0131nda do\u011fru dengenin kurulmas\u0131 gerekti\u011fini ifade eden Karahan\u00e7er, \u201cTeknik k\u00e2r a\u00e7\u0131s\u0131ndan bile\u015fik rasyonun her ko\u015fulda y\u00fczde 100\u2019\u00fcn alt\u0131nda tutulmas\u0131 zorunlu de\u011fil. Esas konu, teknik veya mali tarafta elde edilen kaynaklar\u0131n do\u011fru \u015fekilde korunmas\u0131\u201d dedi. Y\u00fcksek mali k\u00e2r\u0131n fiyatlar\u0131 d\u00fc\u015f\u00fcrerek daha fazla poli\u00e7e \u00fcretmek amac\u0131yla kullan\u0131lmas\u0131n\u0131n uzun vadede \u015firketlerin kaynaklar\u0131n\u0131 zay\u0131flatabilece\u011fine dikkat \u00e7eken Karahan\u00e7er, kur ve enflasyonda yeniden h\u0131zl\u0131 art\u0131\u015f ya\u015fanmas\u0131 halinde bunun \u00f6zkaynak yeterlili\u011fi a\u00e7\u0131s\u0131ndan sorun yaratabilece\u011fini belirtti.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cErken fiyatlaman\u0131n etkisi bug\u00fcn geri d\u00f6n\u00fcyor\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Sigorta sekt\u00f6r\u00fcnde fiyatlar\u0131n enflasyonun alt\u0131nda seyretmesini de de\u011ferlendiren Karahan\u00e7er, yakla\u015f\u0131k 2-2,5 y\u0131l \u00f6nce y\u00fcksek enflasyonun ba\u015flad\u0131\u011f\u0131 d\u00f6nemde gelece\u011fe ili\u015fkin belirsizlik nedeniyle piyasalarda h\u0131zl\u0131 fiyat art\u0131\u015flar\u0131 ya\u015fand\u0131\u011f\u0131n\u0131 s\u00f6yledi. \u00d6zellikle oto bran\u015f\u0131nda hasar maliyetlerinin, yedek par\u00e7a d\u0131\u015f\u0131nda, o d\u00f6nemde \u00f6ng\u00f6r\u00fclen \u00f6l\u00e7\u00fcde y\u00fckselmedi\u011fini ifade etti. Birebir rakamlar olmad\u0131\u011f\u0131n\u0131n alt\u0131n\u0131 \u00e7izerek \u00f6rnek veren Karahan\u00e7er, iki y\u0131l \u00f6nce 5 bin TL\u2019ye yap\u0131lan bir par\u00e7a boya i\u015fleminin enflasyon oran\u0131nda artarak 8 bin TL\u2019ye \u00e7\u0131kmak yerine bug\u00fcn yakla\u015f\u0131k 5 bin 500 TL seviyesinde seyretti\u011fini belirtti.<\/p>\n<p class=\"wp-block-paragraph\">Belirsizli\u011fin y\u00fcksek oldu\u011fu d\u00f6nemde hizmet sa\u011flay\u0131c\u0131lar\u0131n maliyetlerini h\u0131zla art\u0131rmas\u0131 nedeniyle sigorta \u015firketlerinin de primlerini y\u00fckseltmek zorunda kald\u0131\u011f\u0131n\u0131 kaydeden Karahan\u00e7er, sonraki s\u00fcre\u00e7te serbest piyasa ko\u015fullar\u0131 ve rekabetin yeniden denge sa\u011flad\u0131\u011f\u0131n\u0131 s\u00f6yledi. Karahan\u00e7er, \u201cServis sa\u011flay\u0131c\u0131lar\u0131n son iki y\u0131lda fiyatlar\u0131n\u0131 y\u00fcksek oranlarda art\u0131ramad\u0131klar\u0131n\u0131 g\u00f6rd\u00fck. Erken fiyatlaman\u0131n sonucunda ilk ba\u015fta \u00f6dedi\u011fimiz a\u015f\u0131r\u0131 maliyetin bug\u00fcnlerde cebimize geri d\u00f6nd\u00fc\u011f\u00fcn\u00fc g\u00f6r\u00fcyoruz\u201d ifadelerini kulland\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cK\u0131\u015fa iyi haz\u0131rlan\u0131yoruz\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Referans Sigorta\u2019n\u0131n ilk alt\u0131 ayl\u0131k performans\u0131n\u0131 de\u011ferlendiren Karahan\u00e7er, \u201cPrim \u00fcretimi anlam\u0131nda istedi\u011fimiz seviyenin hafif alt\u0131nda kald\u0131k. Buna kar\u015f\u0131l\u0131k elde etmemiz gereken k\u00e2rlar ve yapmam\u0131z gereken rezerv art\u0131\u015f\u0131nda bekledi\u011fimizin \u00f6tesinde bir durumla kar\u015f\u0131 kar\u015f\u0131yay\u0131z. Yani k\u0131\u015fa iyi haz\u0131rlan\u0131yoruz\u201d dedi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cOto d\u0131\u015f\u0131 bran\u015flarda genel olarak sekt\u00f6rde benzer bir durum var\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Prim \u00fcretimindeki seyrin \u00f6zellikle oto d\u0131\u015f\u0131 bran\u015flarda sekt\u00f6r genelinde de benzer oldu\u011funu belirten Karahan\u00e7er, EPI (Estimated Premium Income-Beklenen Prim Geliri) ger\u00e7ekle\u015fmelerinde di\u011fer \u015firketlerde de benzer bir tablo bulundu\u011funu s\u00f6yledi. Karahan\u00e7er, sekt\u00f6r\u00fcn y\u0131l\u0131n ilk alt\u0131 ay\u0131nda TL baz\u0131nda y\u00fczde 4,4 reel k\u00fc\u00e7\u00fclme kaydetmesinin de bu de\u011ferlendirmeyi destekledi\u011fini ifade etti.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cReel b\u00fcy\u00fcmeyi trafik sigortas\u0131ndaki d\u00fczenlemeler etkiledi\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Sekt\u00f6rdeki reel k\u00fc\u00e7\u00fclmenin sigortal\u0131 say\u0131s\u0131ndaki gerilemeden ziyade prim \u00fcretimini etkileyen farkl\u0131 unsurlardan kaynakland\u0131\u011f\u0131n\u0131 belirten Karahan\u00e7er, trafik sigortas\u0131yla birlikte sunulan \u00fcr\u00fcn ve hizmetlere y\u00f6nelik d\u00fczenlemelerin bu tabloda \u00f6nemli rol oynad\u0131\u011f\u0131n\u0131 s\u00f6yledi. \u00d6nceki d\u00f6nemlerde trafik sigortas\u0131yla birlikte yakla\u015f\u0131k y\u00fczde 30-35 oran\u0131nda \u00e7apraz \u00fcr\u00fcn sat\u0131\u015f\u0131 ger\u00e7ekle\u015ftirildi\u011fini belirten Karahan\u00e7er, \u201cD\u00fczenlemelerin ard\u0131ndan bu \u00fcretim neredeyse tamamen ortadan kalkt\u0131. Reel b\u00fcy\u00fcmenin olmamas\u0131n\u0131n en b\u00fcy\u00fck sebebi, otoritenin ald\u0131\u011f\u0131 karar neticesinde trafik sigortas\u0131yla birlikte verilen \u00fcr\u00fcn ve hizmetlerin neredeyse s\u0131f\u0131ra inmi\u015f olmas\u0131d\u0131r diyebiliriz\u201d dedi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cKaskoda ortalama primlerdeki gerileme devam ediyor\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Kasko sigortalar\u0131ndaki g\u00f6r\u00fcn\u00fcm\u00fc de de\u011ferlendiren Karahan\u00e7er, ortalama primlerdeki gerilemenin devam etti\u011fine dikkat \u00e7ekti. Y\u0131l\u0131n ilk \u00e7eyre\u011finden itibaren baz\u0131 \u015firketlerin hasar prim oranlar\u0131 y\u00fczde 100\u2019\u00fcn \u00fczerinde olmas\u0131na ra\u011fmen daha fazla poli\u00e7e adedine ula\u015fmak amac\u0131yla fiyat rekabetine y\u00f6neldi\u011fini belirten Karahan\u00e7er, di\u011fer \u015firketlerin de bu rekabete kat\u0131lmas\u0131yla kaskoda k\u00fc\u00e7\u00fclme ya\u015fand\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n<p class=\"wp-block-paragraph\">Yang\u0131n bran\u015f\u0131nda da k\u00fc\u00e7\u00fclme g\u00f6r\u00fcld\u00fc\u011f\u00fcn\u00fc kaydeden Karahan\u00e7er, sekt\u00f6r\u00fcn reel b\u00fcy\u00fcme performans\u0131nda trafik sigortas\u0131yla birlikte sunulan \u00fcr\u00fcn ve hizmetlerdeki de\u011fi\u015fimin temel belirleyici oldu\u011funu yineledi.<\/p>\n<h4 class=\"wp-block-heading\">\u201c<strong>Gen\u00e7lerimize umut olmak, sekt\u00f6r\u00fcm\u00fcze<\/strong> <strong>nitelikli insan kayna\u011f\u0131 kazand\u0131rmak istiyoruz\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Referans Sigorta\u2019n\u0131n insan kayna\u011f\u0131na y\u00f6nelik \u00e7al\u0131\u015fmalar\u0131n\u0131 anlatan Karahan\u00e7er, ge\u00e7en y\u0131l \u00fcniversitelerin a\u00e7\u0131ld\u0131\u011f\u0131 d\u00f6nemde staj program\u0131na dahil ettikleri 25 \u00f6\u011frenciyi, mezuniyetlerinin ard\u0131ndan a\u011fustos ay\u0131nda kadroya ald\u0131klar\u0131n\u0131 s\u00f6yledi. \u00c7al\u0131\u015fmay\u0131 30 y\u0131ll\u0131k meslek hayat\u0131n\u0131n kendisine en fazla heyecan veren projelerinden biri olarak nitelendiren Karahan\u00e7er, program\u0131n ba\u015f\u0131nda gen\u00e7lere \u201cKim diplomay\u0131 getirirse i\u015fe ba\u015flayacak\u201d dedi\u011fini belirterek, staj s\u00fcrecinin ba\u015f\u0131ndan itibaren onlar\u0131 mezuniyet sonras\u0131 istihdama haz\u0131rlad\u0131klar\u0131n\u0131 ifade etti.<\/p>\n<p class=\"wp-block-paragraph\">Sigorta sekt\u00f6r\u00fcn\u00fcn iyi yeti\u015fmi\u015f insan kayna\u011f\u0131na ciddi bi\u00e7imde ihtiya\u00e7 duydu\u011funa dikkat \u00e7eken Karahan\u00e7er, daha \u00f6nce de benzer \u00e7al\u0131\u015fmalar y\u00fcr\u00fctt\u00fcklerini ancak ilk kez bu kapsamda bir model uygulad\u0131klar\u0131n\u0131 kaydetti. Gen\u00e7lerin staj d\u00f6neminde g\u00f6sterdikleri \u00f6zverinin ard\u0131ndan bug\u00fcn Referans Sigorta b\u00fcnyesinde \u00e7al\u0131\u015fmaya ba\u015flad\u0131klar\u0131n\u0131 belirten Karahan\u00e7er, \u015firket i\u00e7inde kapsaml\u0131 bir e\u011fitim s\u00fcrecinden ge\u00e7tiklerini s\u00f6yledi.<\/p>\n<p class=\"wp-block-paragraph\">Karahan\u00e7er, \u201cBu arkada\u015flar\u0131m\u0131z\u0131n gelecekte Referans Sigorta\u2019da ve sigorta sekt\u00f6r\u00fcnde \u00e7ok \u00f6nemli yerlere gelece\u011fine y\u00fcrekten inan\u0131yorum. Gen\u00e7lerimize umut olmak, sekt\u00f6r\u00fcm\u00fcze yeti\u015fmi\u015f, kaliteli insan kayna\u011f\u0131 kazand\u0131rmak bizim i\u00e7in onur verici. \u015eirketinize de\u011fer katt\u0131\u011f\u0131n\u0131z zaman bir y\u00f6netici olarak mutlu olursunuz ama mesle\u011finize de\u011fer katmak \u00e7ok daha farkl\u0131 bir duygu\u201d ifadelerini kulland\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cE\u011fitim altyap\u0131m\u0131z\u0131 sekt\u00f6rle payla\u015fmaya haz\u0131r\u0131z\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Projeyi yaln\u0131zca Referans Sigorta ile s\u0131n\u0131rl\u0131 tutmak istemediklerini belirten Karahan\u00e7er, acentelere de benzer programlar geli\u015ftirmeleri i\u00e7in \u00e7a\u011fr\u0131da bulundu. Acentelerin faaliyet g\u00f6sterdikleri il ve b\u00f6lgelerde \u00fcniversitelerin son s\u0131n\u0131f \u00f6\u011frencilerini b\u00fcnyelerine alarak sigorta sekt\u00f6r\u00fcne kazand\u0131rabileceklerini ifade etti.<\/p>\n<p class=\"wp-block-paragraph\">Referans Sigorta\u2019n\u0131n bu konuda acentelere kar\u015f\u0131l\u0131ks\u0131z destek vermeye haz\u0131r oldu\u011funu vurgulayan Karahan\u00e7er, \u201cHaz\u0131r kurulu bir e\u011fitim d\u00fczenimiz, e\u011fitimcilerimiz, e\u011fitim notlar\u0131m\u0131z ve uygun salonlar\u0131m\u0131z var. Benzer projeler yaparak yeni personel istihdam eden acentelerimiz bizimle ileti\u015fime ge\u00e7erse en az\u0131ndan birinci basamak temel bilgi e\u011fitiminde kar\u015f\u0131l\u0131ks\u0131z olarak destek olmaya haz\u0131r\u0131z\u201d dedi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cFaaliyet gider oran\u0131nda y\u00fczde 13,3 ile birinci s\u0131raday\u0131z\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Referans Sigorta\u2019da son 1,5 y\u0131ld\u0131r operasyonel verimlili\u011fi art\u0131rmaya y\u00f6nelik yo\u011fun bir \u00e7al\u0131\u015fma y\u00fcr\u00fctt\u00fcklerini belirten Karahan\u00e7er, teknik gelire oranlanan faaliyet giderlerinde sekt\u00f6r\u00fcn en verimli \u015firketi olma hedeflerine planlanandan \u00f6nce ula\u015ft\u0131klar\u0131n\u0131 s\u00f6yledi.<\/p>\n<p class=\"wp-block-paragraph\">Acente komisyonlar\u0131 dahil faaliyet gider oran\u0131n\u0131n y\u00fczde 13,3 oldu\u011funu belirten Karahan\u00e7er, \u201c\u0130kinci y\u0131l\u0131n sonunu bekliyorduk ancak 1,5 y\u0131l\u0131n sonunda hedefimize ula\u015ft\u0131k. Bug\u00fcn teknik gelire oranlad\u0131\u011f\u0131m\u0131zda faaliyet gider oran\u0131nda, acente komisyonu dahil y\u00fczde 13,3 ile birinci s\u0131raday\u0131z\u201d dedi.<\/p>\n<p class=\"wp-block-paragraph\">Bu sonucu \u00e7al\u0131\u015fan say\u0131s\u0131n\u0131, \u00fccretleri ya da acente komisyonlar\u0131n\u0131 azaltarak de\u011fil, operasyonel verimlilikle elde ettiklerinin alt\u0131n\u0131 \u00e7izen Karahan\u00e7er, sigortac\u0131l\u0131kta s\u00fcrd\u00fcr\u00fclebilir ba\u015far\u0131 a\u00e7\u0131s\u0131ndan hasar ve faaliyet giderlerinin do\u011fru y\u00f6netilmesinin \u00f6nemine dikkat \u00e7ekti.\u00a0Karahan\u00e7er, \u201cE\u011fitimlerimizde de s\u00fcrekli \u00fczerinde duruyoruz; hasar giderinizi ve faaliyet giderlerinizi kontrol etti\u011finiz s\u00fcrece bile\u015fik rasyoda sekt\u00f6r\u00fcn \u00f6n\u00fcnde olabilirsiniz\u201d ifadelerini kulland\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cKaskoda 29+1 olmay\u0131 ba\u015fard\u0131k\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Kasko hasar s\u00fcre\u00e7lerinde 1 May\u0131s itibar\u0131yla yeni bir uygulamaya ge\u00e7tiklerini a\u00e7\u0131klayan Karahan\u00e7er, yakla\u015f\u0131k 20 y\u0131ld\u0131r sekt\u00f6rde kullan\u0131lan yedek par\u00e7a tedarik sistemi ve anla\u015fmal\u0131 servis modelinden farkl\u0131 bir yap\u0131 olu\u015fturduklar\u0131n\u0131 s\u00f6yledi. Robot yaz\u0131l\u0131mlar sayesinde acentelerin ayn\u0131 anda yakla\u015f\u0131k 30 sigorta \u015firketinden teklif alabildi\u011fine i\u015faret eden Karahan\u00e7er, bu \u015firketlerin b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fcn ayn\u0131 anla\u015fmal\u0131 servis ve tedarik\u00e7ilerle \u00e7al\u0131\u015fmas\u0131n\u0131n m\u00fc\u015fteriye sunulan hizmette farkl\u0131la\u015fmay\u0131 zorla\u015ft\u0131rd\u0131\u011f\u0131n\u0131 belirtti. Rekabetin yaln\u0131zca d\u00fc\u015f\u00fck fiyat anlam\u0131na gelmedi\u011fini vurgulayan Karahan\u00e7er, \u201cRekabet etmek farkl\u0131 olmak demektir. Biz tedarik sisteminden \u00e7\u0131k\u0131yoruz, anla\u015fmal\u0131 servis yapmayaca\u011f\u0131z dedik. Kazan\u0131n ard\u0131ndan eksperlerimizden 3-4 g\u00fcnde raporu al\u0131p dosyay\u0131 kapatmay\u0131 ve ertesi g\u00fcn hasar\u0131 \u00f6demeyi hedefledik\u201d diye konu\u015ftu.<\/p>\n<p class=\"wp-block-paragraph\">1 May\u0131s\u2019ta ba\u015flayan uygulamada y\u00fczde 87 civar\u0131nda ba\u015far\u0131ya ula\u015ft\u0131klar\u0131n\u0131 kaydeden Karahan\u00e7er, \u201cArt\u0131k hi\u00e7 kimse bizden yedek par\u00e7a beklemiyor. B\u00f6ylece o ekrandaki 30 sigorta \u015firketi aras\u0131nda 29+1 olmay\u0131 ba\u015fard\u0131k. En d\u00fc\u015f\u00fck fiyat\u0131 vermemiz gerekmiyor, \u00e7\u00fcnk\u00fc di\u011ferlerinden farkl\u0131 bir hizmet sunuyoruz\u201d dedi.<\/p>\n<p class=\"wp-block-paragraph\">Sigorta \u015firketlerinin asli i\u015finin yedek par\u00e7a bulmak ve g\u00f6ndermek de\u011fil, ger\u00e7ekle\u015fen zarar\u0131 tespit ederek tazminat\u0131 \u00f6demek oldu\u011funu ifade eden Karahan\u00e7er, yeni modelin maliyet sonu\u00e7lar\u0131n\u0131 da takip ettiklerini s\u00f6yledi. Ge\u00e7mi\u015fte tedarik sistemiyle yedek par\u00e7ada y\u00fczde 40-50\u2019lere varan iskontolar sa\u011fland\u0131\u011f\u0131n\u0131 hat\u0131rlatan Karahan\u00e7er, \u201cBug\u00fcn y\u00fczde 55\u2019e ula\u015fabilen iskonto oranlar\u0131n\u0131n \u015firket maliyetlerine ne \u00f6l\u00e7\u00fcde katk\u0131 sa\u011flad\u0131\u011f\u0131n\u0131 de\u011ferlendiriyoruz. Hen\u00fcz kesin bir sonuca ula\u015fmak i\u00e7in dosya say\u0131s\u0131n\u0131n yeterli olmasa da yedek par\u00e7a tedariki yapmad\u0131\u011f\u0131m\u0131z dosyalarda ortalama maliyetlerin artmad\u0131\u011f\u0131n\u0131 g\u00f6zlemledik\u201d \u015feklinde konu\u015ftu.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cYang\u0131n poli\u00e7elerinde 5 y\u0131l yenileme garantisi veriyoruz\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Oto d\u0131\u015f\u0131 bran\u015flarda sigortal\u0131lar\u0131n poli\u00e7eye eri\u015fimini s\u00fcrd\u00fcr\u00fclebilir hale getirmeye y\u00f6nelik yeni bir model uygulad\u0131klar\u0131n\u0131 belirten Karahan\u00e7er, \u00f6zellikle baz\u0131 risk gruplar\u0131nda b\u00fcy\u00fck hasarlar\u0131n ard\u0131ndan \u015firketlerin teminat vermekten \u00e7ekilebildi\u011fine dikkat \u00e7ekti. Reas\u00fcrans k\u0131s\u0131tlar\u0131n\u0131n da zaman zaman bu s\u00fcre\u00e7te etkili oldu\u011funu belirten Karahan\u00e7er, \u201cY\u0131llarca hasars\u0131z \u015fekilde poli\u00e7esini yenileyen bir m\u00fc\u015fteriye daha sonra teminat verilememesi, sekt\u00f6r\u00fcn itibar\u0131 a\u00e7\u0131s\u0131ndan do\u011fru de\u011fil\u201d dedi.<\/p>\n<p class=\"wp-block-paragraph\">Bu nedenle yang\u0131n sigortalar\u0131nda m\u00fc\u015fterilere belirli ko\u015fullar alt\u0131nda 5 y\u0131ll\u0131k yenileme garantisi vermeye ba\u015flad\u0131klar\u0131n\u0131 a\u00e7\u0131klayan Karahan\u00e7er, \u201cBenzer modeli portf\u00f6y\u00fcn\u00fc Referans Sigorta\u2019ya ta\u015f\u0131mak isteyen acenteler i\u00e7in de uyguluyoruz. Bir acente, \u2018Portf\u00f6y\u00fcm\u00fc yaparsan\u0131z sadece sizinle \u00e7al\u0131\u015fmak istiyorum\u2019 dedi\u011finde kendisiyle 5 y\u0131ll\u0131k yenileme protokol\u00fc haz\u0131rl\u0131yoruz. \u2018Mevcut portf\u00f6y\u00fcn\u00fc 5 y\u0131l boyunca yenileyece\u011fim\u2019 diyoruz. Yenileme garantisinin ard\u0131ndan hem sigortal\u0131n\u0131n bize olan g\u00fcveni artt\u0131 hem de acentelerin bize getirdikleri portf\u00f6y devirlerinde bir h\u0131zlanma ya\u015fad\u0131k\u201d a\u00e7\u0131klamalar\u0131nda bulundu.<\/p>\n<p class=\"wp-block-paragraph\">Yenileme garantisinin s\u00fcrd\u00fcr\u00fclebilirli\u011finin ise ilk poli\u00e7enin do\u011fru ko\u015fullarda ve do\u011fru fiyatla d\u00fczenlenmesine ba\u011fl\u0131 oldu\u011funu vurgulayan Karahan\u00e7er, uygulaman\u0131n i\u015fletmelerin gerekli risk \u00f6nlemlerini almaktan vazge\u00e7mesi anlam\u0131na gelmedi\u011fini s\u00f6yledi. Gerekli b\u00fct\u00fcn tedbirler al\u0131nsa dahi yang\u0131n ve makine k\u0131r\u0131lmas\u0131 gibi hasarlar\u0131n meydana gelebilece\u011fini belirten Karahan\u00e7er, yenileme garantisinin de her ko\u015fulda ayn\u0131 fiyat ve \u015fartlarla yenileme anlam\u0131na gelmedi\u011finin alt\u0131n\u0131 \u00e7izdi.<\/p>\n<p class=\"wp-block-paragraph\">Do\u011fru fiyatlaman\u0131n \u00f6nemini yang\u0131n poli\u00e7esi \u00fczerinden \u00f6rneklendiren Karahan\u00e7er, \u201cYang\u0131n poli\u00e7esi \u00f6rnek olsun diye bir rakam s\u00f6yl\u00fcyorum, binde 5 fiyatla yap\u0131lmal\u0131d\u0131r. Ama bug\u00fcn mali k\u00e2rdan kaynakl\u0131 bir rezervimiz var, hadi biraz yang\u0131n portf\u00f6y\u00fcn\u00fc art\u0131ral\u0131m diye binde 5 yerine binde 1,5\u2019la poli\u00e7eler tanzim edilirse bu sene 1,5 olur, gelecek sene poli\u00e7e bulamazs\u0131n\u0131z. Halbuki bu poli\u00e7e binde 5\u2019ten yap\u0131lsa ne kadar b\u00fcy\u00fck hasar olursa olsun ne reas\u00fcrans \u015firketleri zarar eder ne de sigorta \u015firketleri. Hi\u00e7 kimse zarar etmezse zaten yenileyememe diye bir durum olmaz\u201d ifadelerini kulland\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Referans Sigorta\u2019n\u0131n uygulad\u0131\u011f\u0131 modeli 100 milyon liral\u0131k bir fabrika \u00f6rne\u011fi \u00fczerinden de anlatan Karahan\u00e7er, poli\u00e7enin binde 5 fiyatla d\u00fczenlenmesi ve 20 milyon liraya kadar yang\u0131n hasar\u0131 olu\u015fmas\u0131 halinde bir sonraki y\u0131l binde 6 ile yenilenebilece\u011fini s\u00f6yledi. Hasar ya\u015fanmamas\u0131 halinde ise poli\u00e7enin do\u011fru fiyat \u00fczerinden 5 y\u0131l boyunca ayn\u0131 fiyatla devam etme garantisi kapsam\u0131nda oldu\u011funu belirtti.<\/p>\n<p class=\"wp-block-paragraph\">Yenileme garantisinin mevzuata girmesini arzu etti\u011fini de dile getiren Karahan\u00e7er, sekt\u00f6r genelinde b\u00f6yle bir sorumlulu\u011fun bulunmas\u0131n\u0131n \u015firketleri ilk poli\u00e7eden itibaren s\u00fcrd\u00fcr\u00fclebilir fiyatlamaya y\u00f6neltece\u011fini ifade etti. Karahan\u00e7er, \u201cHerkes bilecek ki biz bu poli\u00e7eyi 5 y\u0131l boyunca yenilemek zorunda kalabiliriz, dolay\u0131s\u0131yla do\u011fru fiyatla ilk poli\u00e7eyi yapal\u0131m. Olay\u0131n tamamen mant\u0131\u011f\u0131 b\u00f6yleydi\u201d dedi. B\u00f6ylece d\u00fc\u015f\u00fck fiyatla d\u00fczenlenen poli\u00e7elerin sonraki d\u00f6nemlerde yenilenememesi ve sigortal\u0131lar\u0131n teminat bulmakta zorlanmas\u0131 gibi sorunlar\u0131n da \u00f6n\u00fcne ge\u00e7ilebilece\u011fini kaydetti.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cHedefimiz sigortac\u0131l\u0131kta<\/strong> <strong>sekt\u00f6r\u00fcn referans noktas\u0131 olmak\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Referans Sigorta\u2019n\u0131n hasar s\u00fcre\u00e7lerinde benimsedi\u011fi \u00e7al\u0131\u015fma modelini kal\u0131c\u0131 hale getirmeyi hedeflediklerini belirten Karahan\u00e7er, mevcut uygulamada ula\u015ft\u0131klar\u0131 y\u00fczde 87\u2019lik ba\u015far\u0131 oran\u0131n\u0131 y\u00fczde 100\u2019e \u00e7\u0131karmak i\u00e7in \u00e7al\u0131\u015facaklar\u0131n\u0131 s\u00f6yledi. Karahan\u00e7er, \u201cHasar s\u00fcre\u00e7lerimiz o y\u00fczde 87, y\u00fczde 100 olana kadar devam edecek ve bundan sonra bizim \u015firketimiz b\u00f6yle \u00e7al\u0131\u015facak\u201d dedi.<br \/>\u015eirketin temel hedefinin sigortac\u0131l\u0131kta sekt\u00f6r\u00fcn referans noktas\u0131 haline gelmek oldu\u011funu vurgulayan Karahan\u00e7er, \u201cBir iddiam\u0131z var; sekt\u00f6r\u00fcn referans noktas\u0131 olmak istiyoruz. Sigortac\u0131l\u0131k deyince akla gelmek istiyoruz. Sigortac\u0131l\u0131k deyince ne yap\u0131lmas\u0131 gerekiyorsa onu yapan \u015firket olarak an\u0131lmak her zaman birinci hedefimiz\u201d ifadelerini kulland\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Bu \u00e7al\u0131\u015fma anlay\u0131\u015f\u0131n\u0131 yeni yeti\u015fen \u00e7al\u0131\u015fanlara da aktard\u0131klar\u0131n\u0131 kaydeden Karahan\u00e7er, b\u00f6ylece olu\u015fturduklar\u0131 kurum k\u00fclt\u00fcr\u00fcn\u00fcn uzun vadede devam etmesini ama\u00e7lad\u0131klar\u0131n\u0131 belirtti. Karahan\u00e7er, \u201cYeti\u015ftirdi\u011fimiz arkada\u015flar\u0131m\u0131za da ayn\u0131 mantaliteyi verdi\u011fimiz i\u00e7in bir aksilik olmazsa bu \u015firket uzun y\u0131llar b\u00f6yle \u00e7al\u0131\u015facak. \u00c7\u00fcnk\u00fc bizden b\u00f6yle \u00f6\u011frendi arkada\u015flar. Herkes bir \u00fcst\u00fcnden ne \u00f6\u011frenirse onu uyguluyor\u201d diye konu\u015ftu.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cDijitalin belli bir pazar\u0131 var,<\/strong> <strong>insan\u0131n yerini tamamen alamaz\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Acentelerin gelece\u011fine ili\u015fkin de\u011ferlendirmelerde bulunan Karahan\u00e7er, dijital sat\u0131\u015f kanallar\u0131n\u0131n sigortac\u0131l\u0131kta belirli bir paya sahip olaca\u011f\u0131n\u0131 ancak insan arac\u0131l\u0131 sat\u0131\u015f\u0131n yerini tamamen almas\u0131n\u0131n m\u00fcmk\u00fcn g\u00f6r\u00fcnmedi\u011fini s\u00f6yledi. Sat\u0131n alma al\u0131\u015fkanl\u0131klar\u0131n\u0131n \u00fcr\u00fcn\u00fcn niteli\u011fine g\u00f6re de\u011fi\u015fti\u011fine dikkat \u00e7eken Karahan\u00e7er, sigortac\u0131l\u0131\u011f\u0131n teknik bilgi ve dan\u0131\u015fmanl\u0131k gerektiren yap\u0131s\u0131n\u0131n acente, broker ve di\u011fer arac\u0131lara duyulan ihtiyac\u0131 korudu\u011funu belirtti.<\/p>\n<p class=\"wp-block-paragraph\">Karahan\u00e7er, \u201cD\u00fcnyan\u0131n neresine giderseniz gidin, dijitalin belli bir pazar\u0131 var. Ama o pazar hi\u00e7bir zaman herkesin hayalini kurdu\u011fu gibi y\u00fczde 70\u2019leri, 80\u2019leri g\u00f6recek d\u00fczeyde olmad\u0131\u011f\u0131 gibi y\u00fczde 2-3\u2019leri de ge\u00e7miyor. Sigortac\u0131l\u0131k biraz daha teknik, detay bilgiye sahip olman\u0131z gereken bir konu. Yapay zek\u00e2ya soru sorup cevap almak yerine bir sigorta acentesinden veya arac\u0131s\u0131ndan, broker ya da bankadan faydalanmak insanlar\u0131n tercih etti\u011fi bir durum olabilir\u201d dedi.<\/p>\n<p class=\"wp-block-paragraph\">\u0130nsanlar\u0131n kendi ba\u015flar\u0131na yapabilecekleri pek \u00e7ok i\u015fte de hizmet almay\u0131 tercih etti\u011fini belirten Karahan\u00e7er, teknolojinin geli\u015fmesinin insanlar\u0131n her i\u015flemi arac\u0131s\u0131z ger\u00e7ekle\u015ftirece\u011fi anlam\u0131na gelmedi\u011fini ifade etti. Dijital hizmetlerde dahi kullan\u0131c\u0131lar\u0131n kar\u015f\u0131lar\u0131nda bir insan bulmay\u0131 \u00f6nemsediklerini kaydeden Karahan\u00e7er, bunun g\u00fcven ihtiyac\u0131 ve insan\u0131n sosyal yap\u0131s\u0131yla ba\u011flant\u0131l\u0131 oldu\u011funu s\u00f6yledi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cAcenteler teknolojiyi operasyonel<\/strong> <strong>s\u00fcre\u00e7lerini iyile\u015ftirmek i\u00e7in kullanmal\u0131\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Yapay zek\u00e2n\u0131n nas\u0131l kullan\u0131ld\u0131\u011f\u0131n\u0131n belirleyici oldu\u011funa dikkat \u00e7eken Karahan\u00e7er, teknolojinin yaln\u0131zca \u00e7al\u0131\u015fanlar\u0131 ve arac\u0131lar\u0131 sistemden \u00e7\u0131kararak b\u00fct\u00fcn geliri tek noktada toplamak amac\u0131yla kullan\u0131lmas\u0131n\u0131n s\u00fcrd\u00fcr\u00fclebilir bir model olu\u015fturmayaca\u011f\u0131n\u0131 s\u00f6yledi. Ekonomik sistemin \u00fcretici kadar gelir elde eden t\u00fcketiciye de ihtiya\u00e7 duydu\u011funu vurgulayan Karahan\u00e7er, ge\u00e7mi\u015fte otomotiv sekt\u00f6r\u00fcnde robotlar\u0131n sat\u0131\u015f s\u00fcre\u00e7lerinde insanlar\u0131n yerini alaca\u011f\u0131 y\u00f6n\u00fcndeki tart\u0131\u015fmalar\u0131 hat\u0131rlatarak \u201cOrada robot \u00e7al\u0131\u015fs\u0131n, markette robot \u00e7al\u0131\u015fs\u0131n, sigorta \u015firketinde robot \u00e7al\u0131\u015fs\u0131n, acente olmas\u0131n\u2026 Peki, insanlar nereden para kazan\u0131p da neyi t\u00fcketecekler? T\u00fcketici olman\u0131n birinci kural\u0131 bir gelirinizin olmas\u0131\u201d ifadelerini kulland\u0131.<\/p>\n<p class=\"wp-block-paragraph\"><strong><em>Sigorta Ekran\u0131: <\/em><\/strong><\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\">\n<div class=\"youtube-embed\" data-video_id=\"gim-xpkwWiU\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Fsigortacilik-deyince-akla-gelen-bir-marka-olmak-istiyoruz%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Referans Sigorta Genel M\u00fcd\u00fcr\u00fc O\u011fuz Karahan\u00e7er, operasyonel verimlilikten yeni hasar modeline, 5 y\u0131ll\u0131k yenileme garantisinden insan kayna\u011f\u0131 yat\u0131r\u0131mlar\u0131na kadar hayata ge\u00e7irdikleri uygulamalarla sekt\u00f6rde farkl\u0131la\u015fmay\u0131 hedeflediklerini belirterek \u201cSigortac\u0131l\u0131k deyince ne yap\u0131lmas\u0131 gerekiyorsa onu yapan \u015firket olarak an\u0131lmak istiyoruz. Hedefimiz sekt\u00f6r\u00fcn referans<\/p>\n","protected":false},"author":1,"featured_media":896,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-895","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\/895","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=895"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/895\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/media\/896"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=895"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=895"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=895"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}