{"id":930,"date":"2026-09-02T19:50:03","date_gmt":"2026-09-02T16:50:03","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=930"},"modified":"2026-09-02T19:50:03","modified_gmt":"2026-09-02T16:50:03","slug":"asiri-sicaklar-sigorta-sektorunun-risk-gundemini-degistiriyor","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=930","title":{"rendered":"A\u015f\u0131r\u0131 s\u0131caklar sigorta sekt\u00f6r\u00fcn\u00fcn risk g\u00fcndemini de\u011fi\u015ftiriyor"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>Bir zamanlar mevsimsel bir dalgalanma olarak g\u00f6r\u00fclen a\u015f\u0131r\u0131 s\u0131caklar, bug\u00fcn \u00fcretimden \u00e7al\u0131\u015fan sa\u011fl\u0131\u011f\u0131na, tar\u0131mdan enerji arz\u0131na kadar ekonomik hayat\u0131n bir\u00e7ok alan\u0131n\u0131 etkiliyor. S\u0131cakl\u0131\u011f\u0131n yol a\u00e7t\u0131\u011f\u0131 do\u011frudan ve dolayl\u0131 kay\u0131plar b\u00fcy\u00fcd\u00fck\u00e7e sigorta sekt\u00f6r\u00fcn\u00fcn risk hesaplar\u0131 da de\u011fi\u015fiyor; mevcut teminatlar\u0131n kapsam\u0131 ve yeni sigorta \u00e7\u00f6z\u00fcmlerine duyulan ihtiya\u00e7 daha fazla tart\u0131\u015f\u0131l\u0131yor.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\"><strong>A. Senem Dartar\/S\u0130GORTAMEDYA \u00d6ZEL<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Termometredeki y\u00fckseli\u015f art\u0131k yaln\u0131zca hava durumunu g\u00f6stermiyor. Fabrikalar\u0131n \u00fcretim planlar\u0131ndan tarladaki verime, enerji t\u00fcketiminden \u00e7al\u0131\u015fanlar\u0131n sa\u011fl\u0131\u011f\u0131na kadar i\u015f d\u00fcnyas\u0131n\u0131n bir\u00e7ok karar\u0131nda s\u0131cakl\u0131k giderek daha fazla hesaba kat\u0131l\u0131yor. A\u015f\u0131r\u0131 s\u0131caklar\u0131n uzamas\u0131 ve daha geni\u015f alanlar\u0131 etkilemesi, i\u015fletmeler a\u00e7\u0131s\u0131ndan \u00fcretim kayb\u0131, maliyet art\u0131\u015f\u0131 ve faaliyet kesintisi gibi sonu\u00e7lar\u0131 da beraberinde getirebiliyor.<\/p>\n<p class=\"wp-block-paragraph\">Bu tablonun mali sonu\u00e7lar\u0131n\u0131n g\u00f6r\u00fcn\u00fcr h\u00e2le geldi\u011fi alanlardan biri de sigorta sekt\u00f6r\u00fc. A\u015f\u0131r\u0131 s\u0131cakl\u0131k, sigorta poli\u00e7elerinde \u00e7o\u011funlukla tek ba\u015f\u0131na tan\u0131mlanm\u0131\u015f bir hasar nedeni olarak yer alm\u0131yor. Buna kar\u015f\u0131l\u0131k kurakl\u0131k ve orman yang\u0131n\u0131 riskini a\u011f\u0131rla\u015ft\u0131rmas\u0131; enerji sistemleri, tar\u0131msal \u00fcretim ve \u00e7al\u0131\u015fan sa\u011fl\u0131\u011f\u0131 \u00fczerindeki etkileri nedeniyle farkl\u0131 sigorta bran\u015flar\u0131n\u0131 ayn\u0131 anda ilgilendiren bir risk unsuruna d\u00f6n\u00fc\u015f\u00fcyor.<\/p>\n<p class=\"wp-block-paragraph\">S\u0131cakl\u0131k ile sigorta hasar\u0131 aras\u0131nda her zaman do\u011frudan ve tek y\u00f6nl\u00fc bir ili\u015fki kurmak m\u00fcmk\u00fcn de\u011fil. \u0130klim de\u011fi\u015fikli\u011finin yan\u0131 s\u0131ra riskli b\u00f6lgelerdeki yap\u0131la\u015fma, ekonomik varl\u0131klar\u0131n de\u011ferindeki art\u0131\u015f ve y\u00fckselen onar\u0131m maliyetleri de hasarlar\u0131n b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fc etkiliyor. Ancak a\u015f\u0131r\u0131 s\u0131caklar\u0131n ba\u015fka tehlikeleri tetikleyen veya mevcut riskleri a\u011f\u0131rla\u015ft\u0131ran rol\u00fc, sekt\u00f6r\u00fcn risk modellerini, teminat yap\u0131lar\u0131n\u0131 ve koruma y\u00f6ntemlerini yeniden de\u011ferlendirmesini g\u00fcndeme getiriyor.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Hava olaylar\u0131n\u0131n sigortal\u0131<\/strong> <strong>kay\u0131plardaki pay\u0131 y\u00fczde 97\u2019ye ula\u015ft\u0131<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Munich Re verilerine g\u00f6re, do\u011fal afetler 2025 y\u0131l\u0131nda d\u00fcnya genelinde yakla\u015f\u0131k 224 milyar dolarl\u0131k ekonomik kayba yol a\u00e7t\u0131. Bu kayb\u0131n yakla\u015f\u0131k 108 milyar dolar\u0131 sigorta sekt\u00f6r\u00fc taraf\u0131ndan kar\u015f\u0131land\u0131. B\u00f6ylece 2025, sigortal\u0131 do\u011fal afet kay\u0131plar\u0131n\u0131n 100 milyar dolar e\u015fi\u011fini a\u015ft\u0131\u011f\u0131 y\u0131llar aras\u0131na girdi.<\/p>\n<p class=\"wp-block-paragraph\">Hava olaylar\u0131, toplam ekonomik kay\u0131plar\u0131n y\u00fczde 92\u2019sini, sigortal\u0131 kay\u0131plar\u0131n ise y\u00fczde 97\u2019sini olu\u015fturdu. Sel, \u015fiddetli konvektif f\u0131rt\u0131na ve orman yang\u0131n\u0131 gibi \u201cikincil tehlikelerden\u201d kaynaklanan ekonomik kay\u0131p 166 milyar dolara, sigortal\u0131 kay\u0131p ise 98 milyar dolara ula\u015ft\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Y\u0131l\u0131n en maliyetli afeti, kurak ko\u015fullar ve g\u00fc\u00e7l\u00fc r\u00fczg\u00e2rlar\u0131n yang\u0131n\u0131n yay\u0131lmas\u0131na elveri\u015fli bir ortam olu\u015fturdu\u011fu Los Angeles yang\u0131nlar\u0131 oldu. Yang\u0131nlar yakla\u015f\u0131k 53 milyar dolarl\u0131k ekonomik kayba ve 40 milyar dolarl\u0131k sigortal\u0131 hasara yol a\u00e7t\u0131. Munich Re, bu olay\u0131 bug\u00fcne kadar kaydedilen en maliyetli orman yang\u0131n\u0131 afeti olarak nitelendirdi.<\/p>\n<p class=\"wp-block-paragraph\">Swiss Re Institute\u2019un verileri de do\u011fal afetlerden kaynaklanan sigortal\u0131 kay\u0131plar\u0131n uzun vadede y\u0131ll\u0131k ortalama y\u00fczde 5 ila y\u00fczde 7 b\u00fcy\u00fcme e\u011filimi g\u00f6sterdi\u011fini ortaya koyuyor. Ancak bu art\u0131\u015f yaln\u0131zca iklim de\u011fi\u015fikli\u011finden kaynaklanm\u0131yor. Riskli b\u00f6lgelerdeki yap\u0131la\u015fma, n\u00fcfus ve ekonomik varl\u0131k yo\u011funlu\u011fundaki art\u0131\u015f ile y\u00fckselen onar\u0131m maliyetleri de kay\u0131plar\u0131 b\u00fcy\u00fcten unsurlar aras\u0131nda bulunuyor.<\/p>\n<h4 class=\"wp-block-heading\"><strong>S\u0131cakl\u0131\u011f\u0131n etkisi farkl\u0131 kanallardan geliyor<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Uzun s\u00fcreli s\u0131cak ve kurak ko\u015fullar orman yang\u0131n\u0131 tehlikesini art\u0131rabiliyor. Y\u00fcksek s\u0131cakl\u0131k d\u00f6nemlerinde artan elektrik talebi, enerji \u015febekeleri \u00fczerindeki bask\u0131y\u0131 a\u011f\u0131rla\u015ft\u0131rabiliyor. Elektrik kesintileri ise so\u011fuk hava depolar\u0131ndan sanayi tesislerine kadar bir\u00e7ok i\u015fletmenin faaliyetini aksatabiliyor. Kurakl\u0131k tar\u0131msal \u00fcretimi, su k\u0131tl\u0131\u011f\u0131 ise enerji ve sanayi faaliyetlerini etkileyebiliyor.<br \/>Bu ba\u011flant\u0131lar; tar\u0131m, yang\u0131n, m\u00fchendislik, sa\u011fl\u0131k, hayat ve i\u015f durmas\u0131 sigortalar\u0131 bak\u0131m\u0131ndan farkl\u0131 riskler olu\u015fturuyor. Ayn\u0131 hava olay\u0131, bir b\u00f6lgede tar\u0131msal verim kayb\u0131na, ba\u015fka bir b\u00f6lgede yang\u0131na veya \u00fcretim kesintisine neden olabiliyor.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u0130\u015f durmas\u0131 teminatlar\u0131nda<\/strong> <strong>fiziksel hasar ayr\u0131nt\u0131s\u0131<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">\u0130\u015fletmelerin s\u0131cakl\u0131k nedeniyle kar\u015f\u0131la\u015fabilece\u011fi kay\u0131plar\u0131n tamam\u0131 geleneksel sigorta poli\u00e7eleri taraf\u0131ndan otomatik olarak kar\u015f\u0131lanm\u0131yor. \u0130\u015f durmas\u0131 teminatlar\u0131nda kapsam poli\u00e7eye g\u00f6re de\u011fi\u015fmekle birlikte, geleneksel uygulamalarda \u00f6demenin devreye girebilmesi i\u00e7in \u00e7o\u011funlukla poli\u00e7ede teminat alt\u0131na al\u0131nm\u0131\u015f fiziksel bir hasar\u0131n meydana gelmesi gerekiyor.<\/p>\n<p class=\"wp-block-paragraph\">Bu nedenle a\u015f\u0131r\u0131 s\u0131cak y\u00fcz\u00fcnden \u00fcretimin yava\u015flamas\u0131, enerji giderlerinin artmas\u0131, \u00e7al\u0131\u015fanlar\u0131n i\u015f g\u00f6remez h\u00e2le gelmesi veya fiziksel hasar olu\u015fmadan faaliyetlerin durmas\u0131 her poli\u00e7ede ayn\u0131 \u015fekilde ele al\u0131nm\u0131yor. Munich Re de standart mal sigortalar\u0131na ba\u011fl\u0131 i\u015f durmas\u0131 teminatlar\u0131nda fiziksel hasar\u0131n temel tetikleyici oldu\u011funu, fiziksel hasara dayanmayan i\u015f kesintileri i\u00e7in \u00f6zel \u00e7\u00f6z\u00fcmlere ihtiya\u00e7 duyulabildi\u011fini belirtiyor.<\/p>\n<p class=\"wp-block-paragraph\">S\u0131cakl\u0131\u011f\u0131n yol a\u00e7t\u0131\u011f\u0131 dolayl\u0131 ekonomik kay\u0131plar, bu y\u00f6n\u00fcyle i\u015fletmelerin mevcut teminatlar\u0131n\u0131n kapsam\u0131n\u0131 yeniden de\u011ferlendirmesini g\u00fcndeme getiriyor.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u00c7al\u0131\u015fan sa\u011fl\u0131\u011f\u0131 a\u00e7\u0131s\u0131ndan b\u00fcy\u00fcyen risk<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">A\u015f\u0131r\u0131 s\u0131cakl\u0131\u011f\u0131n \u00e7al\u0131\u015fan sa\u011fl\u0131\u011f\u0131 \u00fczerindeki etkileri sa\u011fl\u0131k, hayat, ferdi kaza ve i\u015fveren sorumluluk sigortalar\u0131 a\u00e7\u0131s\u0131ndan da \u00f6nem ta\u015f\u0131yor. Uluslararas\u0131 \u00c7al\u0131\u015fma \u00d6rg\u00fct\u00fcn\u00fcn (ILO) 2024 y\u0131l\u0131nda yay\u0131mlad\u0131\u011f\u0131 verilere g\u00f6re, d\u00fcnya genelinde her y\u0131l tahminen 22,85 milyon mesleki yaralanma ve 18 bin 970 i\u015fle ba\u011flant\u0131l\u0131 \u00f6l\u00fcm a\u015f\u0131r\u0131 s\u0131cakl\u0131\u011fa atfediliyor.<\/p>\n<p class=\"wp-block-paragraph\">ILO\u2019nun 2019 y\u0131l\u0131nda yay\u0131mlad\u0131\u011f\u0131 projeksiyonda ise 2030 y\u0131l\u0131na kadar s\u0131cakl\u0131k stresi nedeniyle d\u00fcnya genelindeki toplam \u00e7al\u0131\u015fma saatlerinin y\u00fczde 2,2\u2019sinin kaybedilebilece\u011fi hesapland\u0131. Bu oran, 80 milyon tam zamanl\u0131 i\u015fe ve sat\u0131n alma g\u00fcc\u00fc paritesiyle 2,4 trilyon dolarl\u0131k ekonomik kayba kar\u015f\u0131l\u0131k geliyor.<\/p>\n<p class=\"wp-block-paragraph\">T\u00fcrkiye i\u00e7in \u00f6ng\u00f6r\u00fclen kay\u0131p, toplam \u00e7al\u0131\u015fma saatlerinin y\u00fczde 0,05\u2019i ve yakla\u015f\u0131k 16 bin 100 tam zamanl\u0131 i\u015f olarak hesapland\u0131. Ancak bu rakamlar ger\u00e7ekle\u015fmi\u015f kay\u0131plar\u0131 de\u011fil, k\u00fcresel s\u0131cakl\u0131k art\u0131\u015f\u0131n\u0131n y\u00fczy\u0131l sonuna kadar 1,5 dereceyle s\u0131n\u0131rl\u0131 kalaca\u011f\u0131 varsay\u0131m\u0131yla haz\u0131rlanm\u0131\u015f 2030 projeksiyonlar\u0131n\u0131 g\u00f6steriyor. Model ayr\u0131ca tar\u0131m ve in\u015faat faaliyetlerinin g\u00f6lgede y\u00fcr\u00fct\u00fcld\u00fc\u011f\u00fcn\u00fc varsayd\u0131\u011f\u0131 i\u00e7in ILO taraf\u0131ndan ihtiyatl\u0131 bir tahmin olarak de\u011ferlendiriliyor.<\/p>\n<p class=\"wp-block-paragraph\">Munich Re\u2019nin aktard\u0131\u011f\u0131, 23 geli\u015fmi\u015f ekonomideki \u015firket verilerine dayanan bir OECD ara\u015ft\u0131rmas\u0131na g\u00f6re de s\u0131cakl\u0131\u011f\u0131n 35 dereceyi a\u015ft\u0131\u011f\u0131 g\u00fcn say\u0131s\u0131n\u0131n 10 g\u00fcn artmas\u0131, y\u0131ll\u0131k i\u015f g\u00fcc\u00fc verimlili\u011finde ortalama y\u00fczde 0,3 d\u00fc\u015f\u00fc\u015fle ili\u015fkilendiriliyor. Ara\u015ft\u0131rmada bu etkinin, enerji fiyatlar\u0131ndaki y\u00fczde 5\u2019lik art\u0131\u015f\u0131n verimlilik \u00fczerindeki etkisine yak\u0131n oldu\u011fu ifade ediliyor.<\/p>\n<h4 class=\"wp-block-heading\"><strong>TARS\u0130M\u2019den 2025 y\u0131l\u0131nda 35 milyar liral\u0131k \u00f6deme<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">\u0130klim ve meteorolojik ko\u015fullar\u0131n sigorta sistemi \u00fczerindeki etkisinin en g\u00f6r\u00fcn\u00fcr oldu\u011fu alanlardan biri tar\u0131m sekt\u00f6r\u00fc. Bununla birlikte, tar\u0131msal hasarlar\u0131n tamam\u0131n\u0131 yaln\u0131zca s\u0131cakl\u0131k art\u0131\u015f\u0131na ba\u011flamak m\u00fcmk\u00fcn de\u011fil. Don, dolu, f\u0131rt\u0131na, sel, kurakl\u0131k ve a\u015f\u0131r\u0131 s\u0131cakl\u0131k gibi farkl\u0131 tehlikeler, \u00fcr\u00fcnleri farkl\u0131 d\u00f6nemlerde ve farkl\u0131 bi\u00e7imlerde etkiliyor.<\/p>\n<p class=\"wp-block-paragraph\">TARS\u0130M\u2019in a\u00e7\u0131klad\u0131\u011f\u0131 verilere g\u00f6re, 2025 y\u0131l\u0131nda ba\u015fta zirai don olmak \u00fczere dolu ve kurakl\u0131k gibi olaylar etkili oldu. Devlet Destekli Tar\u0131m Sigortalar\u0131 kapsam\u0131nda sigortal\u0131 \u00fcreticilere y\u0131l boyunca yakla\u015f\u0131k 35 milyar lira hasar \u00f6demesi ger\u00e7ekle\u015ftirildi.<br \/>Tar\u0131m ve Orman Bakanl\u0131\u011f\u0131n\u0131n Ekim 2025 itibar\u0131yla a\u00e7\u0131klad\u0131\u011f\u0131 ara sonu\u00e7larda ise \u00f6deme tutar\u0131 32,6 milyar lira olarak bildirilmi\u015fti. Ayn\u0131 a\u00e7\u0131klamaya g\u00f6re, 2024 y\u0131l\u0131nda 3,3 milyon poli\u00e7e d\u00fczenlenmi\u015f ve 12 milyar lira hasar tazminat\u0131 \u00f6denmi\u015fti. B\u00f6ylece 2025\u2019teki \u00f6deme tutar\u0131, \u00f6nceki y\u0131l\u0131n toplam\u0131n\u0131n belirgin bi\u00e7imde \u00fczerine \u00e7\u0131kt\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Bu veriler s\u0131cakl\u0131\u011f\u0131n tek ba\u015f\u0131na neden oldu\u011fu kayb\u0131 g\u00f6stermese de meteorolojik risklerin tar\u0131m sigortalar\u0131 \u00fczerindeki mali boyutunu ortaya koyuyor.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Sigorta koruma a\u00e7\u0131\u011f\u0131 g\u00fcndemde<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">\u0130klim kaynakl\u0131 hasarlar\u0131n artmas\u0131, sigorta teminat\u0131na eri\u015fim a\u00e7\u0131s\u0131ndan da de\u011ferlendiriliyor. Avrupa Merkez Bankas\u0131 (ECB) ile Avrupa Sigorta ve Mesleki Emeklilik Otoritesinin (EIOPA) verilerine g\u00f6re, Avrupa Birli\u011fi\u2019nde iklimle ba\u011flant\u0131l\u0131 afetlerin yol a\u00e7t\u0131\u011f\u0131 ekonomik kay\u0131plar\u0131n yaln\u0131zca yakla\u015f\u0131k d\u00f6rtte biri sigorta kapsam\u0131nda bulunuyor. Baz\u0131 \u00fclkelerde bu oran y\u00fczde 5\u2019in alt\u0131na d\u00fc\u015f\u00fcyor.<\/p>\n<p class=\"wp-block-paragraph\">ECB ile EIOPA, afetlerin daha s\u0131k ve \u015fiddetli h\u00e2le gelmesiyle sigorta maliyetlerinin y\u00fckselmesini, talebin azalmas\u0131n\u0131 ve y\u00fcksek riskli b\u00f6lgelerde teminata eri\u015fimin zorla\u015fmas\u0131n\u0131 koruma a\u00e7\u0131\u011f\u0131n\u0131 b\u00fcy\u00fctebilecek unsurlar aras\u0131nda g\u00f6steriyor.<\/p>\n<p class=\"wp-block-paragraph\">EIOPA\u2019n\u0131n 2026 tarihli de\u011ferlendirmesinde de son birka\u00e7 on y\u0131lda Avrupa Birli\u011fi\u2019ndeki do\u011fal afet kay\u0131plar\u0131n\u0131n yaln\u0131zca yakla\u015f\u0131k y\u00fczde 25\u2019inin sigortaland\u0131\u011f\u0131 belirtiliyor. Kuruma g\u00f6re yetersiz sigorta korumas\u0131, \u00f6zellikle k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli i\u015fletmeler a\u00e7\u0131s\u0131ndan afet sonras\u0131nda faaliyete devam edilebilmesini etkileyebiliyor.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Parametrik \u00fcr\u00fcnler yeni koruma alan\u0131 a\u00e7\u0131yor<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">A\u015f\u0131r\u0131 s\u0131cakl\u0131klar\u0131n yayg\u0131nla\u015fmas\u0131, ge\u00e7mi\u015f hasar verilerine dayal\u0131 fiyatlama ve risk modellerinin ileriye d\u00f6n\u00fck iklim senaryolar\u0131yla desteklenmesini g\u00fcndeme getiriyor. Belirli bir s\u0131cakl\u0131k seviyesinin a\u015f\u0131lmas\u0131 gibi \u00f6nceden kararla\u015ft\u0131r\u0131lan ve ba\u011f\u0131ms\u0131z verilerle \u00f6l\u00e7\u00fclen ko\u015fullarda \u00f6deme yapan parametrik sigorta \u00fcr\u00fcnleri de bu s\u00fcre\u00e7te \u00f6ne \u00e7\u0131k\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">Bu \u00fcr\u00fcnlerde \u00f6deme, geleneksel sigortalardaki hasar tespitinden farkl\u0131 olarak, poli\u00e7ede belirlenmi\u015f \u00f6l\u00e7\u00fclebilir e\u015fi\u011fin ger\u00e7ekle\u015fmesiyle yap\u0131l\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">Swiss Re Institute, a\u015f\u0131r\u0131 s\u0131cak d\u00f6nemlerinde olu\u015fan gelir kay\u0131plar\u0131na y\u00f6nelik parametrik teminatlar\u0131 sekt\u00f6r\u00fcn geli\u015ftirebilece\u011fi \u00e7\u00f6z\u00fcmler aras\u0131nda g\u00f6steriyor. Munich Re ise s\u0131cakl\u0131k, ya\u011f\u0131\u015f veya r\u00fczg\u00e2r gibi \u00f6l\u00e7\u00fclebilir g\u00f6stergelere dayanan parametrik \u00fcr\u00fcnlerin, geleneksel y\u00f6ntemlerle sigortalanmas\u0131 g\u00fc\u00e7 faaliyet kesintilerinde tamamlay\u0131c\u0131 koruma sa\u011flayabilece\u011fini belirtiyor.<br \/>Binalar\u0131n ve enerji sistemlerinin s\u0131cakl\u0131\u011fa dayan\u0131kl\u0131 h\u00e2le getirilmesi, tar\u0131mda su y\u00f6netiminin iyile\u015ftirilmesi, i\u015fletmelerin s\u0131cakl\u0131k eylem planlar\u0131 haz\u0131rlamas\u0131 ve \u00e7al\u0131\u015fanlara y\u00f6nelik koruyucu \u00f6nlemler al\u0131nmas\u0131 da hasar\u0131n olu\u015fmas\u0131n\u0131 veya b\u00fcy\u00fcmesini \u00f6nleyebilecek ad\u0131mlar aras\u0131nda yer al\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">Yeni d\u00f6nemde sekt\u00f6r a\u00e7\u0131s\u0131ndan \u00f6ne \u00e7\u0131kan ba\u015fl\u0131klardan biri, artan kay\u0131plar\u0131n fiyatlanmas\u0131n\u0131n yan\u0131 s\u0131ra \u00f6nleme, uyum ve yeni teminat modelleriyle risklerin sigortalanabilir s\u0131n\u0131rlar i\u00e7inde tutulmas\u0131 olacak.<\/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%2Fasiri-sicaklar-sigorta-sektorunun-risk-gundemini-degistiriyor%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>Bir zamanlar mevsimsel bir dalgalanma olarak g\u00f6r\u00fclen a\u015f\u0131r\u0131 s\u0131caklar, bug\u00fcn \u00fcretimden \u00e7al\u0131\u015fan sa\u011fl\u0131\u011f\u0131na, tar\u0131mdan enerji arz\u0131na kadar ekonomik hayat\u0131n bir\u00e7ok alan\u0131n\u0131 etkiliyor. S\u0131cakl\u0131\u011f\u0131n yol a\u00e7t\u0131\u011f\u0131 do\u011frudan ve dolayl\u0131 kay\u0131plar b\u00fcy\u00fcd\u00fck\u00e7e sigorta sekt\u00f6r\u00fcn\u00fcn risk hesaplar\u0131 da de\u011fi\u015fiyor; mevcut teminatlar\u0131n kapsam\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-930","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/930","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=930"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/930\/revisions"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=930"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=930"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=930"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}