{"id":945,"date":"2026-09-08T20:30:39","date_gmt":"2026-09-08T17:30:39","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=945"},"modified":"2026-09-08T20:30:39","modified_gmt":"2026-09-08T17:30:39","slug":"ender-guzeler-sigortacilik-milli-guvenligin-onemli-unsurlarindan-biri-haline-geliyor","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=945","title":{"rendered":"Ender G\u00fczeler: \u201cSigortac\u0131l\u0131k milli g\u00fcvenli\u011fin \u00f6nemli unsurlar\u0131ndan biri haline geliyor\u201d"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>Unico Sigorta Genel M\u00fcd\u00fcr\u00fc Ender G\u00fczeler, 2027-2029 d\u00f6nemini kapsayan Orta Vadeli Program\u2019\u0131n (OVP) sigorta sekt\u00f6r\u00fcne yeni sorumluluklar ve b\u00fcy\u00fcme alanlar\u0131 a\u00e7t\u0131\u011f\u0131n\u0131 belirtti. Tasarruflar\u0131n art\u0131r\u0131lmas\u0131ndan afet risklerinin y\u00f6netimine, d\u0131\u015f ticaretin korunmas\u0131ndan ya\u015flanan n\u00fcfusun bak\u0131m ihtiya\u00e7lar\u0131na kadar uzanan bu alanlar\u0131n sigortac\u0131l\u0131\u011fa daha stratejik bir rol y\u00fckledi\u011fini ifade eden G\u00fczeler, sekt\u00f6r\u00fcn ekonomik ve toplumsal dayan\u0131kl\u0131l\u0131\u011f\u0131n g\u00fc\u00e7lendirilmesindeki \u00f6neminin artaca\u011f\u0131na dikkat \u00e7ekti.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\"><strong>Unico Sigorta Genel M\u00fcd\u00fcr\u00fc Ender G\u00fczeler<\/strong>, 2027-2029 d\u00f6nemini kapsayan Orta Vadeli Program\u2019\u0131 sigortac\u0131l\u0131k perspektifinden de\u011ferlendirdi. Program\u0131n \u201cistikrar\u201d ve \u201cdayan\u0131kl\u0131l\u0131k\u201d eksenlerinin sigorta sekt\u00f6r\u00fcn\u00fcn 2030 vizyonuyla da \u00f6rt\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc belirten G\u00fczeler, OVP\u2019nin sekt\u00f6re yeni sorumluluklar y\u00fcklerken \u00f6nemli f\u0131rsat alanlar\u0131 da olu\u015fturdu\u011funu s\u00f6yledi.<\/p>\n<p class=\"wp-block-paragraph\">G\u00fczeler, \u201c2027-2029 OVP hedeflerinin; y\u00fcksek sigorta penetrasyonu, \u00e7e\u015fitlendirilmi\u015f \u00fcr\u00fcn yap\u0131s\u0131 ve riskleri ger\u00e7ekle\u015fmeden \u00f6nce y\u00f6netmeye odaklanan daha g\u00fc\u00e7l\u00fc bir sigorta ekosistemi a\u00e7\u0131s\u0131ndan \u00f6nemli bir d\u00f6n\u00fcm noktas\u0131 olmas\u0131 bekleniyor\u201d dedi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Afet, bak\u0131m, tasarruf ve ihracat sigortalar\u0131 \u00f6ne \u00e7\u0131k\u0131yor<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">OVP\u2019nin sigorta sekt\u00f6r\u00fcne y\u00fckledi\u011fi ba\u015fl\u0131ca sorumluluklardan birinin t\u00fcm afet tehlikelerini kapsayacak zorunlu afet sigortas\u0131 mekanizmas\u0131n\u0131n geli\u015ftirilmesi ve yayg\u0131nla\u015ft\u0131r\u0131lmas\u0131 oldu\u011funu belirten G\u00fczeler, beyan ve \u00f6deme takibinin etkinle\u015ftirilmesiyle birlikte afet ve bak\u0131m sigortalar\u0131 gibi yeni veya kapsam\u0131 geni\u015fleyen \u00fcr\u00fcnler i\u00e7in akt\u00fceryal ve reas\u00fcrans kapasitesinin geli\u015ftirilmesinin de sekt\u00f6r\u00fcn g\u00fcndeminde olaca\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n<p class=\"wp-block-paragraph\">Programda uzun d\u00f6nemli bak\u0131m sigortas\u0131n\u0131n altyap\u0131s\u0131n\u0131n kurulmas\u0131na y\u00f6nelik yakla\u015f\u0131m\u0131n da \u00f6nemli oldu\u011funu belirten G\u00fczeler, \u201cYa\u015flanan n\u00fcfus ve bak\u0131m ekonomisi, sigorta sekt\u00f6r\u00fcnde yeni \u00fcr\u00fcn ve akt\u00fcerya modellerini g\u00fcndeme getirecek\u201d dedi.<\/p>\n<p class=\"wp-block-paragraph\">D\u0131\u015f ticaret taraf\u0131nda ise Devlet Destekli Alacak Sigortas\u0131\u2019n\u0131n etkinli\u011finin art\u0131r\u0131lmas\u0131 ve Eximbank ihracat kredi sigortalar\u0131n\u0131n g\u00fc\u00e7lendirilmesine y\u00f6nelik hedeflerin, alacak ve ihracat kredi sigortalar\u0131nda kamu programlar\u0131yla entegre da\u011f\u0131t\u0131m modellerini \u00f6ne \u00e7\u0131karabilece\u011fini kaydetti.<\/p>\n<p class=\"wp-block-paragraph\">G\u00fczeler, BES ve OKS\u2019de fon \u00e7e\u015fitlili\u011finin ve sistemin cazibesinin art\u0131r\u0131lmas\u0131na paralel olarak yat\u0131r\u0131m fonlu ve birikimli hayat sigortalar\u0131n\u0131n yayg\u0131nla\u015ft\u0131r\u0131lmas\u0131n\u0131n da sekt\u00f6r a\u00e7\u0131s\u0131ndan \u00f6nemli bir ba\u015fl\u0131k olaca\u011f\u0131n\u0131 belirtti.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Yeni pazar ve b\u00fcy\u00fcme alanlar\u0131 olu\u015fabilir<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">OVP\u2019nin sigorta \u015firketleri a\u00e7\u0131s\u0131ndan yeni f\u0131rsatlar da bar\u0131nd\u0131rd\u0131\u011f\u0131na dikkat \u00e7eken G\u00fczeler, \u201cZorunlu afet sigortas\u0131 kapsam\u0131n\u0131n geni\u015flemesi, sigorta penetrasyonunun d\u00fc\u015f\u00fck oldu\u011fu bir alanda hacim art\u0131\u015f\u0131 yaratabilir. Risk modelleme ve fiyatlama kapasitesine erken yat\u0131r\u0131m yapan \u015firketler bu alanda rekabet avantaj\u0131 elde edebilirler\u201d \u015feklinde konu\u015ftu.<\/p>\n<p class=\"wp-block-paragraph\">Bak\u0131m ekonomisi ve uzun d\u00f6nemli bak\u0131m sigortas\u0131n\u0131n ise yeni bir \u00fcr\u00fcn kategorisi ve prim havuzu olu\u015fturabilece\u011fini s\u00f6yleyen G\u00fczeler, bu alana erken giren \u015firketler a\u00e7\u0131s\u0131ndan marka konumland\u0131rmas\u0131 ve pazar pay\u0131 f\u0131rsat\u0131 do\u011fabilece\u011fine i\u015faret etti.<\/p>\n<p class=\"wp-block-paragraph\">Yurt i\u00e7i tasarruflar\u0131n art\u0131r\u0131lmas\u0131 hedefinin hayat sigortac\u0131l\u0131\u011f\u0131n\u0131 destekleyebilece\u011fini belirten G\u00fczeler, \u201cBES ve OKS\u2019deki b\u00fcy\u00fcmeyle birlikte hayat sigortalar\u0131nda \u00e7apraz sat\u0131\u015f ve yeni m\u00fc\u015fteri kazan\u0131m\u0131 i\u00e7in de alan olu\u015fabilir. Alacak ve ihracat kredi sigortalar\u0131n\u0131n kamu deste\u011fiyle geni\u015flemesi ise KOB\u0130 ve ihracat\u00e7\u0131 taban\u0131nda ticari sigortalar\u0131n b\u00fcy\u00fcmesine katk\u0131 sa\u011flayabilir\u201d dedi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Yeni sigorta \u00fcr\u00fcnleri g\u00fcndeme gelebilir<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">G\u00fczeler, OVP\u2019deki politika alanlar\u0131n\u0131n sigorta sekt\u00f6r\u00fcnde yeni \u00fcr\u00fcnlerin geli\u015ftirilmesine de zemin haz\u0131rlayabilece\u011fini belirtti. Bu kapsamda de\u011fer bazl\u0131 geri \u00f6deme yakla\u015f\u0131m\u0131na uyumlu a\u011f bazl\u0131 ve ko-\u00f6demeli tamamlay\u0131c\u0131 sa\u011fl\u0131k sigortas\u0131 paketleri, ya\u015fl\u0131 ve engelli bak\u0131m\u0131n\u0131 kapsayan hibrit sa\u011fl\u0131k-bak\u0131m sigortalar\u0131 ile uzaktan sa\u011fl\u0131k hizmetlerine entegre tele-sa\u011fl\u0131k destekli \u00fcr\u00fcnlerin g\u00fcndeme gelebilece\u011fini ifade etti.<\/p>\n<p class=\"wp-block-paragraph\">Afet sigortalar\u0131nda parametrik ve daha geni\u015f kapsaml\u0131 yeni nesil \u00fcr\u00fcnlerin yan\u0131 s\u0131ra uzun d\u00f6nemli bak\u0131m sigortalar\u0131 ile hayat, sa\u011fl\u0131k ve bak\u0131m bile\u015fenlerini bir araya getiren ve BES\/OKS ile \u00e7apraz sat\u0131\u015f imk\u00e2n\u0131 sa\u011flayabilecek \u00fcr\u00fcnlerin de geli\u015febilece\u011fini belirten G\u00fczeler, bu alanlar\u0131n sigorta pazar\u0131n\u0131 b\u00fcy\u00fctme potansiyeli ta\u015f\u0131d\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Sigorta finansal sistemin \u015foklara kar\u015f\u0131 tampon kapasitesini g\u00fc\u00e7lendirebilir<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">OVP\u2019deki \u201cistikrar\u201d ve \u201cdayan\u0131kl\u0131l\u0131k\u201d yakla\u015f\u0131m\u0131n\u0131 d\u00f6rt farkl\u0131 kanal \u00fczerinden de\u011ferlendiren G\u00fczeler, bunlardan ilkinin mali ve finansal istikrar oldu\u011funu belirtti.<\/p>\n<p class=\"wp-block-paragraph\">Yurt i\u00e7i tasarruflar\u0131n art\u0131r\u0131lmas\u0131 ve TL cinsinden tasarruf ve yat\u0131r\u0131m ara\u00e7lar\u0131n\u0131n \u00e7e\u015fitlendirilmesi hedeflerinde hayat sigortalar\u0131 ile BES ve OKS\u2019nin do\u011frudan rol \u00fcstlenebilece\u011fini ifade eden G\u00fczeler, uzun vadeli tasarruflar\u0131n finansal sisteme kazand\u0131r\u0131lmas\u0131n\u0131n sistemin \u015foklara kar\u015f\u0131 tampon kapasitesini art\u0131rabilece\u011fini kaydetti.<\/p>\n<p class=\"wp-block-paragraph\">Sigorta \u015firketlerinin kurumsal yat\u0131r\u0131mc\u0131 kimli\u011fiyle sermaye piyasalar\u0131n\u0131n derinle\u015fmesine de katk\u0131 sundu\u011funu belirten G\u00fczeler, \u201cBu i\u015flev finansal istikrar\u0131n kurumsal aya\u011f\u0131n\u0131 g\u00fc\u00e7lendirebilir\u201d ifadelerini kulland\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Afet riskinde kamu b\u00fct\u00e7esinin y\u00fck\u00fc payla\u015f\u0131labilir<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">\u0130kinci kanal\u0131n fiziksel ve toplumsal dayan\u0131kl\u0131l\u0131k oldu\u011funu belirten G\u00fczeler, OVP\u2019de \u015fehirlerin afetlere kar\u015f\u0131 dayan\u0131kl\u0131l\u0131\u011f\u0131 ve kentsel d\u00f6n\u00fc\u015f\u00fcm\u00fcn yan\u0131 s\u0131ra zorunlu afet sigortas\u0131 mekanizmas\u0131n\u0131n da yer ald\u0131\u011f\u0131n\u0131 hat\u0131rlatt\u0131.<\/p>\n<p class=\"wp-block-paragraph\">\u00d6zel sigortac\u0131l\u0131\u011f\u0131n afet riskinin bir b\u00f6l\u00fcm\u00fcn\u00fc kamu b\u00fct\u00e7esinden sigorta ve reas\u00fcrans sistemine aktararak b\u00fcy\u00fck afetlerin mali etkisinin payla\u015f\u0131lmas\u0131n\u0131 sa\u011flayabilece\u011fini ifade eden G\u00fczeler, bu i\u015flevin programdaki \u00e7oklu \u015foklara kar\u015f\u0131 diren\u00e7 hedefiyle \u00f6rt\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc belirtti.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Alacak sigortalar\u0131 d\u0131\u015f ticarette dayan\u0131kl\u0131l\u0131\u011f\u0131 destekleyebilir<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">G\u00fczeler\u2019in dikkat \u00e7ekti\u011fi \u00fc\u00e7\u00fcnc\u00fc alan ise d\u0131\u015f ticaret ve tedarik zincirleri oldu. OVP\u2019de tedarik zincirlerinin dayan\u0131kl\u0131l\u0131\u011f\u0131 ve \u00e7e\u015fitlili\u011fi ile d\u0131\u015f \u015foklara kar\u015f\u0131 dayan\u0131kl\u0131l\u0131\u011fa yap\u0131lan vurgunun alacak sigortas\u0131 ve ihracat kredi sigortalar\u0131n\u0131n \u00f6nemini art\u0131rd\u0131\u011f\u0131n\u0131 kaydetti.<\/p>\n<p class=\"wp-block-paragraph\">Bu \u00fcr\u00fcnlerin ihracat\u00e7\u0131lar\u0131n ve KOB\u0130\u2019lerin yurt d\u0131\u015f\u0131ndaki al\u0131c\u0131lar\u0131n iflas\u0131, kur \u015foklar\u0131 ve jeopolitik kesintiler gibi tahsilat risklerini y\u00f6netmelerine yard\u0131mc\u0131 olabilece\u011fini belirten G\u00fczeler, \u201cBu sayede sanayi sekt\u00f6r\u00fcn\u00fcn d\u0131\u015f \u015foklara kar\u015f\u0131 dayan\u0131kl\u0131l\u0131\u011f\u0131na firma d\u00fczeyinden katk\u0131 sa\u011flanabilir\u201d diye konu\u015ftu.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Ya\u015flanan n\u00fcfus bak\u0131m sigortalar\u0131n\u0131 g\u00fcndeme ta\u015f\u0131yor<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">D\u00f6rd\u00fcnc\u00fc kanal\u0131n demografik dayan\u0131kl\u0131l\u0131k oldu\u011funu belirten G\u00fczeler, n\u00fcfus art\u0131\u015f h\u0131z\u0131ndaki d\u00fc\u015f\u00fc\u015f ve bak\u0131m ekonomisinin artan \u00f6neminin uzun d\u00f6nemli bak\u0131m sigortalar\u0131n\u0131n altyap\u0131s\u0131n\u0131 g\u00fcndeme getirdi\u011fine dikkat \u00e7ekti.<\/p>\n<p class=\"wp-block-paragraph\">Uzun d\u00f6nemli bak\u0131m sigortalar\u0131n\u0131n sosyal g\u00fcvenlik sistemini tamamlay\u0131c\u0131 bir mekanizma olarak geli\u015febilece\u011fini ifade eden G\u00fczeler, \u201cBu \u00fcr\u00fcnler bak\u0131m ihtiyac\u0131n\u0131n finansman\u0131nda \u00f6zel sigortac\u0131l\u0131\u011f\u0131n rol\u00fcn\u00fc art\u0131rabilir\u201d dedi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cDe\u011ferlendirmeler sekt\u00f6rel \u00e7\u0131kar\u0131m niteli\u011finde\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">OVP\u2019nin \u00f6zel sigortac\u0131l\u0131\u011fa tasarruflar\u0131n art\u0131r\u0131lmas\u0131, afet risklerinin payla\u015f\u0131lmas\u0131, ticari risklerin teminat alt\u0131na al\u0131nmas\u0131 ve bak\u0131m ihtiyac\u0131n\u0131n finansman\u0131 \u00fczerinden ekonomik dayan\u0131kl\u0131l\u0131\u011fa katk\u0131 sa\u011flayabilecek bir alan a\u00e7t\u0131\u011f\u0131n\u0131 belirten G\u00fczeler, bu \u00e7er\u00e7evedeki \u201cmilli g\u00fcvenlik\u201d de\u011ferlendirmesinin OVP\u2019nin do\u011frudan ifadesi olmad\u0131\u011f\u0131na \u00f6zellikle dikkat \u00e7ekti.<\/p>\n<p class=\"wp-block-paragraph\">G\u00fczeler, \u201cBelgede sekt\u00f6re bu rol a\u00e7\u0131k\u00e7a \u2018sigortan\u0131n milli g\u00fcvenlik\/dayan\u0131kl\u0131l\u0131k unsuru\u2019 diye adland\u0131r\u0131lm\u0131yor, ama d\u00f6rt ayr\u0131 politika hatt\u0131n\u0131n kesi\u015fimi bu sonucu ortaya \u00e7\u0131kard\u0131\u011f\u0131n\u0131 belgenin do\u011frudan ifadesi olmamakla birlikte bu \u015fekilde sentezliyorum. Bu bir kamu politikas\u0131 belgesi oldu\u011fu i\u00e7in buradaki de\u011ferlendirmeler sekt\u00f6rel \u00e7\u0131kar\u0131m niteli\u011findedir\u201d dedi.<\/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%2Fender-guzeler-sigortacilik-milli-guvenligin-onemli-unsurlarindan-biri-haline-geliyor%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>Unico Sigorta Genel M\u00fcd\u00fcr\u00fc Ender G\u00fczeler, 2027-2029 d\u00f6nemini kapsayan Orta Vadeli Program\u2019\u0131n (OVP) sigorta sekt\u00f6r\u00fcne yeni sorumluluklar ve b\u00fcy\u00fcme alanlar\u0131 a\u00e7t\u0131\u011f\u0131n\u0131 belirtti. Tasarruflar\u0131n art\u0131r\u0131lmas\u0131ndan afet risklerinin y\u00f6netimine, d\u0131\u015f ticaretin korunmas\u0131ndan ya\u015flanan n\u00fcfusun bak\u0131m ihtiya\u00e7lar\u0131na kadar uzanan bu alanlar\u0131n sigortac\u0131l\u0131\u011fa daha<\/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-945","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/945","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=945"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/945\/revisions"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=945"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=945"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=945"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}