{"id":905,"date":"2026-08-27T11:14:21","date_gmt":"2026-08-27T08:14:21","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=905"},"modified":"2026-08-27T11:14:21","modified_gmt":"2026-08-27T08:14:21","slug":"turkiye-sigortadan-uzun-yasam-ekonomisine-mercek-tutan-rapor","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=905","title":{"rendered":"T\u00fcrkiye Sigorta\u2019dan uzun ya\u015fam ekonomisine mercek tutan rapor"},"content":{"rendered":"

T\u00fcrkiye Sigorta ve T\u00fcrkiye Hayat Emeklilik\u2019in Ekonomik Ara\u015ft\u0131rmalar M\u00fcd\u00fcrl\u00fc\u011f\u00fc taraf\u0131ndan haz\u0131rlanan \u201cUzun Ya\u015fam Ekonomisi\u201d raporu, ya\u015flanan n\u00fcfusun sa\u011fl\u0131k, sigorta ve emeklilik sistemleri \u00fczerindeki etkilerini ortaya koydu. Rapora g\u00f6re d\u00fcnya genelinde 65 ya\u015f \u00fcst\u00fc n\u00fcfusun 2050\u2019de 1,6 milyara ula\u015fmas\u0131 bekleniyor.<\/strong><\/h4>\n

T\u00fcrkiye Sigorta ve T\u00fcrkiye Hayat Emeklilik\u2019in Ekonomik Ara\u015ft\u0131rmalar M\u00fcd\u00fcrl\u00fc\u011f\u00fc, \u201cUzun Ya\u015fam Ekonomisi: Ya\u015flanan N\u00fcfusun Sigorta ve Emeklilik Sekt\u00f6r\u00fcne Etkileri\u201d ba\u015fl\u0131kl\u0131 raporunu yay\u0131mlad\u0131.<\/p>\n

Demografik d\u00f6n\u00fc\u015f\u00fcm\u00fc ekonomik ve sekt\u00f6rel boyutlar\u0131yla ele alan raporda, uzayan ya\u015fam s\u00fcresinin sa\u011fl\u0131k sisteminden sosyal g\u00fcvenli\u011fe, bireysel tasarruftan sigorta ve emeklilik \u00fcr\u00fcnlerine kadar yaratt\u0131\u011f\u0131 de\u011fi\u015fim incelendi. Yeni nesil sa\u011fl\u0131k teknolojileri ve yapay zek\u00e2n\u0131n sekt\u00f6re etkilerinin de de\u011ferlendirildi\u011fi \u00e7al\u0131\u015fmada, uzun ya\u015fam\u0131n beraberinde getirdi\u011fi ekonomik, sosyal ve etik konulara yer verildi.<\/p>\n

\u201cHedef, \u00f6mre eklenen y\u0131llar\u0131 sa\u011fl\u0131kl\u0131 ve finansal a\u00e7\u0131dan g\u00fcvenceli hale getirmek olmal\u0131\u201d<\/strong><\/h4>\n

T\u00fcrkiye Sigorta Hazine ve Emeklilik Operasyonlar\u0131 Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 G\u00fcrol Sami \u00d6zer,<\/strong> rapora ili\u015fkin de\u011ferlendirmesinde uzun ya\u015fam\u0131n ekonomik ve sosyal sistemler a\u00e7\u0131s\u0131ndan yeni bir d\u00f6nemi beraberinde getirdi\u011fini belirtti.<\/p>\n

\u00d6zer, \u201cUzayan insan \u00f6mr\u00fcn\u00fc sadece demografik bir de\u011fi\u015fim ya da y\u00f6netilmesi gereken bir risk olarak g\u00f6rmemek gerekiyor. As\u0131l hedef, \u00f6mre eklenen y\u0131llar\u0131 sa\u011fl\u0131kl\u0131, \u00fcretken ve finansal a\u00e7\u0131dan g\u00fcvenceli hale getirmek olmal\u0131. Sa\u011fl\u0131kl\u0131 ya\u015fam s\u00fcresinin uzamas\u0131, sa\u011fl\u0131k sistemleri \u00fczerindeki y\u00fck\u00fc azalt\u0131rken, bireylerin \u00fcretkenli\u011fini ve ekonomiye katk\u0131s\u0131n\u0131 da art\u0131rabilecek \u00f6nemli bir potansiyel ta\u015f\u0131yor\u201d dedi.<\/p>\n

Daha uzun ya\u015fam\u0131n daha uzun s\u00fcreli sa\u011fl\u0131k, bak\u0131m ve emeklilik ihtiyac\u0131n\u0131 da beraberinde getirdi\u011fini vurgulayan \u00d6zer, \u015f\u00f6yle devam etti: \u201cBu nedenle gelece\u011fin sistemini kamu, \u00f6zel sekt\u00f6r ve birey aras\u0131nda dengeli bir sorumluluk payla\u015f\u0131m\u0131 \u00fczerine kurmam\u0131z gerekti\u011fini d\u00fc\u015f\u00fcn\u00fcyoruz. \u00d6n\u00fcm\u00fczdeki d\u00f6nemde \u00f6nleyici sa\u011fl\u0131\u011f\u0131, uzun vadeli tasarrufu ve de\u011fi\u015fen bak\u0131m ihtiya\u00e7lar\u0131n\u0131 finansal g\u00fcvenceyle birlikte ele alan \u00e7\u00f6z\u00fcmlerin \u00e7ok daha \u00f6nemli hale gelece\u011fine inan\u0131yoruz.\u201d<\/p>\n

65 ya\u015f \u00fcst\u00fc n\u00fcfusun 1,6 milyara ula\u015fmas\u0131 bekleniyor<\/strong><\/h4>\n

Rapora g\u00f6re d\u00fcnya ekonomisi, n\u00fcfusun ya\u015flanmas\u0131yla \u00f6nemli bir yap\u0131sal d\u00f6n\u00fc\u015f\u00fcmden ge\u00e7iyor. Bug\u00fcn d\u00fcnya genelinde her 10 ki\u015fiden biri 65 ya\u015f\u0131n \u00fczerindeyken, 2050\u2019de bu oran\u0131n her 6 ki\u015fiden birine y\u00fckselmesi bekleniyor. K\u00fcresel \u00f6l\u00e7ekte 65 ya\u015f \u00fcst\u00fc n\u00fcfusun da 862 milyondan 1,6 milyara \u00e7\u0131karak neredeyse iki kat\u0131na ula\u015faca\u011f\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/p>\n

T\u00fcrkiye ise bir\u00e7ok geli\u015fmi\u015f ekonomiye k\u0131yasla daha gen\u00e7 demografik yap\u0131s\u0131n\u0131 koruyor. Raporda, T\u00fcrkiye\u2019nin 2050\u2019de n\u00fcfusunun yakla\u015f\u0131k \u00fc\u00e7te birinin 65 ya\u015f ve \u00fczerindeki bireylerden olu\u015fmas\u0131 beklenen Japonya ve \u0130talya gibi \u201cileri ya\u015fl\u0131\u201d toplumlar aras\u0131nda yer almayaca\u011f\u0131 belirtiliyor. Bununla birlikte T\u00fcrkiye\u2019de beklenen ya\u015fam s\u00fcresi 77,3 y\u0131l ile 81,1 y\u0131ll\u0131k OECD ortalamas\u0131n\u0131n alt\u0131nda bulunurken, her emekliye yaln\u0131zca 1,6 \u00e7al\u0131\u015fan d\u00fc\u015f\u00fcyor.<\/p>\n

Sa\u011fl\u0131kl\u0131 ya\u015fam s\u00fcresi de g\u00fcndemin merkezinde<\/strong><\/h4>\n

Raporda uzun ya\u015fam ekonomisinin temel ba\u015fl\u0131klar\u0131ndan biri olarak \u201c\u00f6nleyici sa\u011fl\u0131k\u201d g\u00f6steriliyor. 2050\u2019de ortalama bir insan\u0131n 78 y\u0131l ya\u015famas\u0131, ancak bu s\u00fcrenin 11,4 y\u0131l\u0131n\u0131 k\u00f6t\u00fc sa\u011fl\u0131k ko\u015fullar\u0131nda ge\u00e7irmesi bekleniyor. Ayn\u0131 d\u00f6nemde sa\u011fl\u0131k harcamalar\u0131n\u0131n 20,5 trilyon dolara ula\u015fabilece\u011fi \u00f6ng\u00f6r\u00fcl\u00fcrken, kan\u0131tlanm\u0131\u015f sa\u011fl\u0131k m\u00fcdahalelerinin hastal\u0131k y\u00fck\u00fcn\u00fc y\u00fczde 35 azaltma potansiyeli ta\u015f\u0131d\u0131\u011f\u0131 belirtiliyor.<\/p>\n

Yapay zek\u00e2 da sa\u011fl\u0131k sistemlerindeki d\u00f6n\u00fc\u015f\u00fcm\u00fcn \u00f6nemli unsurlar\u0131 aras\u0131nda g\u00f6steriliyor. \u0130la\u00e7 geli\u015ftirme ve erken te\u015fhisten operasyonel s\u00fcre\u00e7lere kadar farkl\u0131 alanlarda kullan\u0131lan yapay zek\u00e2 uygulamalar\u0131n\u0131n verimlili\u011fi art\u0131rarak y\u00fckselen maliyetlerin y\u00f6netilmesine katk\u0131 sa\u011flamas\u0131 bekleniyor. Yapay zek\u00e2n\u0131n ila\u00e7 ke\u015fif s\u00fcre\u00e7lerini h\u0131zland\u0131rmas\u0131 ve Ar-Ge maliyetlerini d\u00fc\u015f\u00fcrmesi de \u00f6nemli bir verimlilik alan\u0131 olarak de\u011ferlendiriliyor.<\/p>\n

Raporda GLP-1 grubu obezite ila\u00e7lar\u0131n\u0131n uzun ya\u015fam ekonomisi \u00fczerindeki etkisine de yer veriliyor. Kronik hastal\u0131k risklerinin azalt\u0131lmas\u0131na katk\u0131 sa\u011flayan bu ila\u00e7lar\u0131n t\u00fcketim al\u0131\u015fkanl\u0131klar\u0131nda da de\u011fi\u015fim yaratt\u0131\u011f\u0131 belirtilirken, GLP-1 pazar\u0131n\u0131n 2035\u2019e kadar 190 milyar dolarl\u0131k b\u00fcy\u00fckl\u00fc\u011fe ula\u015faca\u011f\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/p>\n

Sigorta ve emeklilik sistemlerinde yeni ihtiya\u00e7lar ortaya \u00e7\u0131k\u0131yor<\/strong><\/h4>\n

Ya\u015fam s\u00fcrelerinin uzamas\u0131, sosyal g\u00fcvenlik ve emeklilik sistemlerinin finansman\u0131 a\u00e7\u0131s\u0131ndan da yeni bir tablo ortaya \u00e7\u0131kar\u0131yor. Rapora g\u00f6re Avrupa\u2019da bug\u00fcn bir emekliyi finanse etmek i\u00e7in 3,4 \u00e7al\u0131\u015fma \u00e7a\u011f\u0131nda insan bulunurken, bu say\u0131n\u0131n 2050\u2019de 2\u2019ye gerilemesi bekleniyor.<\/p>\n

Uzun ya\u015fam s\u00fcrelerinin akt\u00fceryal hesaplamalar\u0131 daha karma\u015f\u0131k hale getirdi\u011fine dikkat \u00e7ekilen raporda, \u201cya\u015fam s\u00fcresi riskinin\u201d kamudan bireylere do\u011fru kayd\u0131\u011f\u0131 belirtiliyor. Bu durum bireylerin emeklilik d\u00f6nemi i\u00e7in daha fazla ve daha uzun vadeli tasarruf yapmas\u0131 ihtiyac\u0131n\u0131 art\u0131r\u0131rken, Bireysel Emeklilik Sistemi (BES) ve Tamamlay\u0131c\u0131 Emeklilik Sistemi (TES) gibi mekanizmalar\u0131 da daha \u00f6nemli hale getiriyor.<\/p>\n

Sa\u011fl\u0131k sigortac\u0131l\u0131\u011f\u0131 ise uzun ya\u015fam ekonomisinin b\u00fcy\u00fcme alanlar\u0131ndan biri olarak \u00f6ne \u00e7\u0131k\u0131yor. K\u00fcresel sa\u011fl\u0131k sigortas\u0131 prim \u00fcretiminin 2025\u2019te y\u00fczde 12,3 artarak 1,68 trilyon euroya ula\u015ft\u0131\u011f\u0131 belirtilirken, T\u00fcrkiye\u2019de \u00f6zel sa\u011fl\u0131k sigortalar\u0131n\u0131n GSYH i\u00e7indeki pay\u0131n\u0131n y\u00fczde 0,3 seviyesinde bulundu\u011funa dikkat \u00e7ekiliyor. Raporda, T\u00fcrkiye\u2019de sa\u011fl\u0131k sigortas\u0131 primlerinin 2026-2036 d\u00f6neminde y\u0131ll\u0131k ortalama y\u00fczde 15,3 b\u00fcy\u00fcmesinin beklendi\u011fi ifade ediliyor.<\/p>\n

Uzayan \u00f6m\u00fcr yeni sosyal ve etik ba\u015fl\u0131klar\u0131 g\u00fcndeme ta\u015f\u0131yor<\/strong><\/h4>\n

Raporda, insan \u00f6mr\u00fcn\u00fc uzatmaya y\u00f6nelik biyoteknolojik geli\u015fmelerin ekonomik sonu\u00e7lar\u0131n\u0131n yan\u0131 s\u0131ra sosyal ve etik etkileri de de\u011ferlendiriliyor. Yeni teknolojilere eri\u015fimde olu\u015fabilecek sosyoekonomik e\u015fitsizliklerin zaman i\u00e7inde sa\u011fl\u0131k ve ya\u015fam s\u00fcresi a\u00e7\u0131s\u0131ndan daha belirgin farkl\u0131l\u0131klara d\u00f6n\u00fc\u015febilece\u011fine dikkat \u00e7ekiliyor. Uzayan ya\u015fam\u0131n ku\u015faklar aras\u0131 dengeler ve toplumsal yap\u0131 \u00fczerindeki olas\u0131 etkileri de \u00e7al\u0131\u015fman\u0131n ele ald\u0131\u011f\u0131 ba\u015fl\u0131klar aras\u0131nda yer al\u0131yor.<\/p>\n

Sigorta ve emeklilik sistemlerinin de\u011fi\u015fen ya\u015fam beklentilerine uyum sa\u011flamas\u0131na y\u00f6nelik yeni modellerin \u00f6nem kazanaca\u011f\u0131 belirtilen raporda; emeklilik ko\u015fullar\u0131n\u0131n ya\u015fam beklentisindeki de\u011fi\u015fimlere uyarlanabildi\u011fi modeller, y\u00fcksek maliyetli yeni nesil tedavilerin ya\u015fam tarz\u0131 destek programlar\u0131yla birlikte y\u00f6netilmesi ve \u00f6m\u00fcr boyu yenileme garantili sa\u011fl\u0131k \u00e7\u00f6z\u00fcmlerinin yayg\u0131nla\u015ft\u0131r\u0131lmas\u0131 sekt\u00f6r a\u00e7\u0131s\u0131ndan \u00f6ne \u00e7\u0131kan alanlar aras\u0131nda g\u00f6steriliyor.<\/p>\n

Raporun tamam\u0131na a\u015fa\u011f\u0131daki linkten ula\u015f\u0131labilir.<\/p>\n

https:\/\/s3.eu-central-1.amazonaws.com\/turkiyesigorta.com.tr\/staticPages\/uzun-yaa-am-ekonomisi20260729161743.pdf<\/a><\/p>\n

\n

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

T\u00fcrkiye Sigorta ve T\u00fcrkiye Hayat Emeklilik\u2019in Ekonomik Ara\u015ft\u0131rmalar M\u00fcd\u00fcrl\u00fc\u011f\u00fc taraf\u0131ndan haz\u0131rlanan \u201cUzun Ya\u015fam Ekonomisi\u201d raporu, ya\u015flanan n\u00fcfusun sa\u011fl\u0131k, sigorta ve emeklilik sistemleri \u00fczerindeki etkilerini ortaya koydu. Rapora g\u00f6re d\u00fcnya genelinde 65 ya\u015f \u00fcst\u00fc n\u00fcfusun 2050\u2019de 1,6 milyara ula\u015fmas\u0131 bekleniyor. T\u00fcrkiye<\/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-905","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/905","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=905"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/905\/revisions"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=905"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=905"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=905"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}