{"id":906,"date":"2026-08-27T11:09:36","date_gmt":"2026-08-27T08:09:36","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=906"},"modified":"2026-08-27T11:09:36","modified_gmt":"2026-08-27T08:09:36","slug":"sigortacilikta-odagimiz-surdurulebilir-kar-olmali","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=906","title":{"rendered":"\u201cSigortac\u0131l\u0131kta oda\u011f\u0131m\u0131z s\u00fcrd\u00fcr\u00fclebilir k\u00e2r olmal\u0131\u201d"},"content":{"rendered":"

Vizyon Reas\u00fcrans ve Sigorta Brokerli\u011fi Kurucusu Hasan Ekmen, T\u00fcrkiye Sigorta Birli\u011fi\u2019nin 2026 y\u0131l\u0131 Ocak-Temmuz d\u00f6nemi prim \u00fcretimi ile ilk yar\u0131 poli\u00e7e verilerini de\u011ferlendirdi. Nominal prim \u00fcretimindeki art\u0131\u015fa kar\u015f\u0131n reel daralmaya dikkat \u00e7eken Ekmen, sekt\u00f6r\u00fcn teknik k\u00e2rl\u0131l\u0131\u011f\u0131, ger\u00e7ek\u00e7i risk fiyatlamas\u0131n\u0131 ve da\u011f\u0131t\u0131m kanallar\u0131n\u0131n s\u00fcrd\u00fcr\u00fclebilirli\u011fini merkeze alan bir yap\u0131ya y\u00f6nelmesi gerekti\u011fini s\u00f6yledi.<\/strong><\/h4>\n

Vizyon Reas\u00fcrans ve Sigorta Brokerli\u011fi Kurucusu Hasan Ekmen, T\u00fcrkiye Sigorta Birli\u011fi\u2019nin (TSB) a\u00e7\u0131klad\u0131\u011f\u0131 2026 y\u0131l\u0131 Ocak-Temmuz d\u00f6nemi prim \u00fcretimi ile Ocak-Haziran d\u00f6nemi poli\u00e7e say\u0131lar\u0131na ili\u015fkin de\u011ferlendirmelerde bulundu.<\/p>\n

T\u00fcrkiye Sigorta Birli\u011fi taraf\u0131ndan a\u00e7\u0131klanan verileri hat\u0131rlatan Ekmen, sigorta sekt\u00f6r\u00fcn\u00fcn toplam prim \u00fcretiminin 2026\u2019n\u0131n ilk yedi ay\u0131nda 859 milyar 212,7 milyon TL\u2019ye ula\u015ft\u0131\u011f\u0131n\u0131, ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 28,4 art\u0131\u015f g\u00f6sterdi\u011fini aktard\u0131. Ancak enflasyondan ar\u0131nd\u0131r\u0131ld\u0131\u011f\u0131nda tablonun farkl\u0131la\u015ft\u0131\u011f\u0131na dikkat \u00e7eken Ekmen, sekt\u00f6r\u00fcn reel olarak y\u00fczde 2,5 darald\u0131\u011f\u0131n\u0131 vurgulad\u0131.<\/p>\n

Hayat d\u0131\u015f\u0131 sigortalardaki g\u00f6r\u00fcn\u00fcm\u00fcn daha belirgin bir reel daralmaya i\u015faret etti\u011fini belirten Ekmen, bu alanda 723 milyar 794,5 milyon TL\u2019ye ula\u015fan prim \u00fcretiminin nominal olarak y\u00fczde 25,7 artmas\u0131na kar\u015f\u0131n reel olarak y\u00fczde 4,6 geriledi\u011fini kaydetti. Hayat bran\u015f\u0131nda ise 135 milyar 418,2 milyon TL\u2019lik prim \u00fcretimiyle nominal y\u00fczde 45,4, reel y\u00fczde 10,4 b\u00fcy\u00fcme ger\u00e7ekle\u015fti\u011fini aktard\u0131.<\/p>\n

Kaskoda reel daralma y\u00fczde 5,79<\/strong><\/h4>\n

Bran\u015f baz\u0131ndaki geli\u015fmelere de dikkat \u00e7eken Ekmen, \u00f6zellikle kasko taraf\u0131ndaki g\u00f6r\u00fcn\u00fcm\u00fc de\u011ferlendirdi. Kasko prim \u00fcretimi Ocak-Temmuz d\u00f6neminde 96 milyar 627,8 milyon TL\u2019ye ula\u015ft\u0131. Bran\u015fta nominal b\u00fcy\u00fcme y\u00fczde 24,12 olurken reel olarak y\u00fczde 5,79 daralma ya\u015fand\u0131.<\/p>\n

Kara Ara\u00e7lar\u0131 Sorumluluk bran\u015f\u0131nda ise prim \u00fcretimi 198 milyar 440,7 milyon TL olarak ger\u00e7ekle\u015fti. Nominal art\u0131\u015f y\u00fczde 16 olurken reel olarak y\u00fczde 11,95 gerileme kaydedildi.<\/p>\n

Hayat d\u0131\u015f\u0131ndaki 20 bran\u015f\u0131n 12\u2019sinde reel daralma ya\u015fand\u0131\u011f\u0131na dikkat \u00e7eken Ekmen, \u201cY\u0131l\u0131n ilk yedi ay\u0131nda prim \u00fcretiminde k\u00e2\u011f\u0131t \u00fczerinde y\u00fczde 28,4\u2019l\u00fck bir art\u0131\u015f g\u00f6r\u00fcnse de enflasyonla ar\u0131nd\u0131r\u0131ld\u0131\u011f\u0131nda sekt\u00f6r\u00fcn reel olarak y\u00fczde 2,5, hayat d\u0131\u015f\u0131 bran\u015flar\u0131n ise y\u00fczde 4,6 oran\u0131nda k\u00fc\u00e7\u00fcld\u00fc\u011f\u00fcn\u00fc g\u00f6r\u00fcyoruz. \u00d6zellikle kasko pazar\u0131ndaki y\u00fczde 5,79\u2019luk reel daralma ve kasko ile yang\u0131n poli\u00e7elerinde adet baz\u0131nda ya\u015fanan ciddi d\u00fc\u015f\u00fc\u015fler, alarm zillerinin \u00e7oktan \u00e7almaya ba\u015flad\u0131\u011f\u0131n\u0131 i\u015faret ediyor. Hayat d\u0131\u015f\u0131ndaki 20 bran\u015f\u0131n 12\u2019sinin reel anlamda k\u00fc\u00e7\u00fclmesi, sekt\u00f6r\u00fcn geneline yay\u0131lan bir daralma trendinin kan\u0131t\u0131d\u0131r\u201d dedi.<\/p>\n

Poli\u00e7e say\u0131lar\u0131ndaki gerilemeye dikkat \u00e7ekti<\/strong><\/h4>\n

Prim \u00fcretiminin yan\u0131 s\u0131ra y\u0131l\u0131n ilk yar\u0131s\u0131ndaki poli\u00e7e adetlerini de de\u011ferlendiren Ekmen, baz\u0131 bran\u015flardaki gerilemeye dikkat \u00e7ekti.<\/p>\n

TSB verilerine g\u00f6re hastal\u0131k-sa\u011fl\u0131k bran\u015f\u0131ndaki poli\u00e7e say\u0131s\u0131, 2025\u2019in ayn\u0131 d\u00f6nemindeki 4 milyon 789 bin 597\u2019den 2026\u2019n\u0131n ilk yar\u0131s\u0131nda 5 milyon 119 bin 702\u2019ye y\u00fckselerek y\u00fczde 7,34 artt\u0131.<\/p>\n

Kaskoda ise poli\u00e7e say\u0131s\u0131 5 milyon 401 bin 812\u2019den 5 milyon 266 bin 190\u2019a gerileyerek y\u00fczde 2,51 azald\u0131. Yang\u0131n ve do\u011fal afetler bran\u015f\u0131ndaki poli\u00e7e say\u0131s\u0131 da 3 milyon 483 bin 738\u2019den 3 milyon 92 bin 430\u2019a d\u00fc\u015ferek y\u00fczde 11,23 geriledi.<\/p>\n

\u201cG\u00fcn\u00fc kurtaran faiz gelirleri s\u00fcrd\u00fcr\u00fclebilir sigortac\u0131l\u0131k altyap\u0131s\u0131n\u0131 in\u015fa edemez\u201d<\/strong><\/h4>\n

Sekt\u00f6r\u00fcn b\u00fcy\u00fcme ve k\u00e2rl\u0131l\u0131k yakla\u015f\u0131m\u0131na ili\u015fkin de\u011ferlendirmelerde bulunan Ekmen, sigortac\u0131l\u0131k faaliyetlerinden elde edilen teknik sonu\u00e7lar\u0131n yeniden merkeze al\u0131nmas\u0131 gerekti\u011fini vurgulad\u0131.<\/p>\n

Ekmen, \u201cYaln\u0131zca faiz geliri ve finansal enstr\u00fcmanlar \u00fczerinden sigortada b\u00fcy\u00fcme sa\u011flanamayaca\u011f\u0131 art\u0131k idrak edilmelidir. Sermayedara \u015firin g\u00f6z\u00fckmek, k\u0131sa vadeli bilan\u00e7o makyajlar\u0131yla durumu kurtarmak u\u011fruna teknik k\u00e2rl\u0131l\u0131ktan uzakla\u015fan stratejiler, sekt\u00f6r\u00fcn temel dinamiklerini a\u015f\u0131nd\u0131rmaktad\u0131r. G\u00fcn\u00fc kurtaran faiz gelirleri, yar\u0131n\u0131n s\u00fcrd\u00fcr\u00fclebilir sigortac\u0131l\u0131k altyap\u0131s\u0131n\u0131 in\u015fa edemez. Bizim oda\u011f\u0131m\u0131z; ge\u00e7ici finansal r\u00fczg\u00e2rlar de\u011fil, \u2018s\u00fcrd\u00fcr\u00fclebilir k\u00e2r\u2019 ve \u2018s\u00fcrd\u00fcr\u00fclebilir sigorta\u2019 olmal\u0131d\u0131r\u201d diye konu\u015ftu.<\/p>\n

Acenteler ve brokerler i\u00e7in s\u00fcrd\u00fcr\u00fclebilir gelir vurgusu<\/strong><\/h4>\n

Pazardaki daralman\u0131n da\u011f\u0131t\u0131m kanallar\u0131 \u00fczerindeki etkisine de de\u011finen Ekmen, sigorta \u015firketlerinde ya\u015fanan daralman\u0131n acente ve brokerler a\u00e7\u0131s\u0131ndan daha b\u00fcy\u00fck bir gelir kayb\u0131na d\u00f6n\u00fc\u015febilece\u011fini ifade etti.<\/p>\n

Ekmen, \u201cBug\u00fcn y\u00fczle\u015fti\u011fimiz poli\u00e7e say\u0131lar\u0131ndaki d\u00fc\u015f\u00fc\u015f ve negatif b\u00fcy\u00fcme sarmal\u0131, \u00f6n\u00fcm\u00fczdeki d\u00f6nemde \u00e7ok daha y\u0131k\u0131c\u0131 boyutlara ula\u015facakt\u0131r. \u00dcstelik bu daralman\u0131n faturas\u0131, ekosistemin en zay\u0131f halkas\u0131 gibi g\u00f6r\u00fcnen ama asl\u0131nda omurgas\u0131n\u0131 olu\u015fturan arac\u0131lara; yani acente ve brokerlere \u00e7ok daha a\u011f\u0131r kesilmektedir. Sigorta \u015firketlerindeki k\u0131smi negatif b\u00fcy\u00fcme, arac\u0131lar\u0131n d\u00fcnyas\u0131nda \u00e7arpan etkisiyle devasa bir gelir kayb\u0131na ve k\u00fc\u00e7\u00fclmeye d\u00f6n\u00fc\u015fmektedir\u201d ifadelerini kulland\u0131.<\/p>\n

Pazardaki rekabet anlay\u0131\u015f\u0131n\u0131 da ele\u015ftiren Ekmen, yaln\u0131zca hacim yaratmaya odaklanan ve k\u00e2rl\u0131l\u0131ktan vazge\u00e7en yakla\u015f\u0131m\u0131n s\u00fcrd\u00fcr\u00fclebilir olmad\u0131\u011f\u0131n\u0131 belirterek \u015f\u00f6yle devam etti: \u201cPazardaki pastan\u0131n k\u00fc\u00e7\u00fcld\u00fc\u011f\u00fc bu zorlu d\u00f6nemde, kendi hayatta kalma enerjisini t\u00fcketerek gelirinden feragat eden \u2018\u00e7\u0131lg\u0131n\u2019 arac\u0131lar\u0131n yaratt\u0131\u011f\u0131 y\u0131k\u0131c\u0131 rekabet ortam\u0131 sekt\u00f6re en b\u00fcy\u00fck zarar\u0131 vermektedir. K\u00e2r\u0131ndan vazge\u00e7erek sadece hacim yaratmaya odaklanan bu \u00e7\u0131lg\u0131nl\u0131\u011f\u0131n hi\u00e7bir taraf\u0131 rasyonel de\u011fildir ve bu y\u0131k\u0131c\u0131 tutum art\u0131k son bulmal\u0131d\u0131r.\u201d<\/p>\n

\u201cGer\u00e7ek\u00e7i risk fiyatlamas\u0131 yap\u0131lmal\u0131\u201d<\/strong><\/h4>\n

Sekt\u00f6r\u00fcn \u00f6n\u00fcm\u00fczdeki d\u00f6nemde ger\u00e7ek\u00e7i risk fiyatlamas\u0131na ve teknik k\u00e2rl\u0131l\u0131\u011fa odaklanmas\u0131 gerekti\u011fini belirten Ekmen, \u00e7\u0131k\u0131\u015f yolunun fiyatlar\u0131n piyasa dengesine oturmas\u0131ndan ge\u00e7ti\u011fini ifade etti.<\/p>\n

Ekmen, \u201c\u00c7\u0131k\u0131\u015f yolu bellidir: Fiyatlar\u0131n bir an \u00f6nce piyasa dengesine oturmas\u0131 ve sekt\u00f6r\u00fcn acilen fabrika ayarlar\u0131na d\u00f6n\u00fc\u015f sa\u011flamas\u0131 gerekmektedir. Ger\u00e7ek\u00e7i risk fiyatlamas\u0131 yap\u0131lmadan, arac\u0131lar hak ettikleri s\u00fcrd\u00fcr\u00fclebilir geliri elde etmeden ve \u015firketler teknik k\u00e2rl\u0131l\u0131\u011f\u0131 merkeze koymadan bu krizden \u00e7\u0131k\u0131lamaz. Sekt\u00f6r olarak ya k\u00f6klerimize ve ger\u00e7ek sigortac\u0131l\u0131\u011fa d\u00f6nece\u011fiz ya da her ge\u00e7en g\u00fcn daralan bir pazarda kendi i\u00e7imizi kemirmeye devam edece\u011fiz\u201d dedi.<\/p>\n

Ekmen, sekt\u00f6r\u00fcn gelece\u011fi a\u00e7\u0131s\u0131ndan s\u00fcrd\u00fcr\u00fclebilirli\u011fin \u00f6nemini ise \u201cUnutmayal\u0131m; s\u00fcrd\u00fcr\u00fclebilirlik bir tercih de\u011fil, var olman\u0131n tek ko\u015fuludur\u201d s\u00f6zleriyle vurgulad\u0131.<\/p>\n

\n

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Vizyon Reas\u00fcrans ve Sigorta Brokerli\u011fi Kurucusu Hasan Ekmen, T\u00fcrkiye Sigorta Birli\u011fi\u2019nin 2026 y\u0131l\u0131 Ocak-Temmuz d\u00f6nemi prim \u00fcretimi ile ilk yar\u0131 poli\u00e7e verilerini de\u011ferlendirdi. Nominal prim \u00fcretimindeki art\u0131\u015fa kar\u015f\u0131n reel daralmaya dikkat \u00e7eken Ekmen, sekt\u00f6r\u00fcn teknik k\u00e2rl\u0131l\u0131\u011f\u0131, ger\u00e7ek\u00e7i risk fiyatlamas\u0131n\u0131 ve<\/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-906","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/906","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=906"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/906\/revisions"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=906"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=906"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=906"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}