{"id":952,"date":"2026-09-09T20:30:20","date_gmt":"2026-09-09T17:30:20","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=952"},"modified":"2026-09-09T20:30:20","modified_gmt":"2026-09-09T17:30:20","slug":"zorunlu-afet-ve-alacak-sigortasinda-yeni-donem","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=952","title":{"rendered":"Zorunlu afet ve alacak sigortas\u0131nda yeni d\u00f6nem"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>SEDDK Ba\u015fkan\u0131 Davut Mente\u015f, 2027-2029 d\u00f6nemini kapsayan Orta Vadeli Program kapsam\u0131nda sigorta ve \u00f6zel emeklilik sekt\u00f6r\u00fcne ili\u015fkin yeni d\u00f6nemin \u00f6nceliklerini a\u00e7\u0131klad\u0131. Yeni d\u00f6nemde afet risklerinin daha geni\u015f kapsamda sigortalanmas\u0131, KOB\u0130\u2019lerin ticari alacak risklerinin azalt\u0131lmas\u0131, BES ve OKS\u2019nin geli\u015ftirilmesi ile yat\u0131r\u0131m fonlu hayat sigortalar\u0131n\u0131n yayg\u0131nla\u015ft\u0131r\u0131lmas\u0131 hedefleniyor.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">2027-2029 d\u00f6nemini kapsayan Orta Vadeli Program (OVP), sigorta ve \u00f6zel emeklilik sekt\u00f6r\u00fcnde \u00f6n\u00fcm\u00fczdeki d\u00f6nemin yol haritas\u0131na ili\u015fkin \u00f6nemli ba\u015fl\u0131klar ortaya koydu. Program kapsam\u0131nda \u00f6zellikle Zorunlu Afet Sigortas\u0131 mekanizmas\u0131n\u0131n geni\u015fletilmesi ve Devlet Destekli Alacak Sigortas\u0131\u2019n\u0131n KOB\u0130\u2019lerin finansmana eri\u015fimini destekleyecek \u015fekilde yeniden yap\u0131land\u0131r\u0131lmas\u0131 \u00f6ne \u00e7\u0131k\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu (SEDDK) Ba\u015fkan\u0131 Davut Mente\u015f<\/strong>, OVP\u2019nin sigorta ve \u00f6zel emeklilik sistemine ili\u015fkin somut hedefler i\u00e7erdi\u011fini belirterek, afet risklerinin daha geni\u015f bir sigorta korumas\u0131 alt\u0131na al\u0131naca\u011f\u0131n\u0131, emeklilik sisteminin kat\u0131l\u0131mc\u0131 ihtiya\u00e7lar\u0131na g\u00f6re geli\u015ftirilece\u011fini ve KOB\u0130\u2019lerin ticari alacak risklerinin azalt\u0131laca\u011f\u0131n\u0131 ifade etti.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Zorunlu Deprem Sigortas\u0131\u2019n\u0131n kapsam\u0131 geni\u015fleyecek<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Yeni d\u00f6nemin en \u00f6nemli ba\u015fl\u0131klar\u0131ndan biri, mevcut Zorunlu Deprem Sigortas\u0131\u2019n\u0131n kapsam\u0131n\u0131n geni\u015fletilerek Zorunlu Afet Sigortas\u0131 mekanizmas\u0131na d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi olacak. SEDDK Ba\u015fkan\u0131 Mente\u015f\u2019in verdi\u011fi bilgilere g\u00f6re yeni sistemin yaln\u0131zca deprem riskini de\u011fil, orman yang\u0131n\u0131, sel ve di\u011fer afet tehlikelerini de kapsamas\u0131 hedefleniyor. <\/p>\n<p class=\"wp-block-paragraph\">Kanun d\u00fczeyinde yap\u0131lmas\u0131 planlanan de\u011fi\u015fiklikle vatanda\u015flar\u0131n afetlere kar\u015f\u0131 sigorta korumas\u0131n\u0131n geni\u015fletilmesi ve afet risklerinin daha b\u00fct\u00fcnc\u00fcl bir sistem i\u00e7erisinde y\u00f6netilmesi ama\u00e7lan\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">Yeni yap\u0131da afet sigortalar\u0131na ili\u015fkin beyan ve \u00f6deme s\u00fcre\u00e7lerinin daha etkin \u015fekilde takip edilmesi de planlan\u0131yor. B\u00f6ylece afetlerin olu\u015fturdu\u011fu ekonomik kay\u0131plar\u0131n daha geni\u015f bir sigorta ve reas\u00fcrans taban\u0131na yay\u0131lmas\u0131, sigorta koruma a\u00e7\u0131\u011f\u0131n\u0131n azalt\u0131lmas\u0131 ve afet sonras\u0131nda toparlanma kapasitesinin g\u00fc\u00e7lendirilmesi hedefleniyor.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Devlet Destekli Alacak Sigortas\u0131 KOB\u0130\u2019ler i\u00e7in yeniden tasarlan\u0131yor<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">OVP\u2019nin sigorta sekt\u00f6r\u00fcne ili\u015fkin bir di\u011fer \u00f6nemli ba\u015fl\u0131\u011f\u0131 ise Devlet Destekli Alacak Sigortas\u0131 olacak. Mente\u015f, uygulaman\u0131n KOB\u0130\u2019lerin vadeli sat\u0131\u015flardan kaynaklanan tahsilat risklerini azaltman\u0131n yan\u0131 s\u0131ra finansmana eri\u015fimlerini destekleyen bir ara\u00e7 olarak yeniden tasarlanaca\u011f\u0131n\u0131 belirtti.<\/p>\n<h4 class=\"wp-block-heading\"><strong>BES ve OKS\u2019de fon \u00e7e\u015fitlili\u011fi art\u0131r\u0131lacak<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Yeni d\u00f6nemde sistemde mevzuat\u0131n sadele\u015ftirilmesi, uygulaman\u0131n kolayla\u015ft\u0131r\u0131lmas\u0131, tazminat \u00f6demelerinin h\u0131zland\u0131r\u0131lmas\u0131 ve alacak sigortas\u0131n\u0131n kredi s\u00fcre\u00e7lerinde kar\u015f\u0131 g\u00fcvence olarak kullan\u0131labilmesi y\u00f6n\u00fcnde iyile\u015ftirmeler yap\u0131lmas\u0131 planlan\u0131yor. <\/p>\n<p class=\"wp-block-paragraph\">B\u00f6ylece daha fazla KOB\u0130\u2019nin sistemden yararlanmas\u0131 ve i\u015fletmelerin s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcmesinin desteklenmesi ama\u00e7lan\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">Sigorta sekt\u00f6r\u00fcn\u00fcn yeni yol haritas\u0131nda bireysel emeklilik de \u00f6nemli bir yer tutuyor. OVP kapsam\u0131nda BES standart emeklilik yat\u0131r\u0131m fonlar\u0131n\u0131n, kat\u0131l\u0131mc\u0131lara daha fazla katma de\u011fer sa\u011flayacak \u015fekilde yeniden tasarlanmas\u0131 planlan\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">Otomatik Kat\u0131l\u0131m Sistemi\u2019nde (OKS) ise kat\u0131l\u0131mc\u0131lar\u0131n farkl\u0131 risk alg\u0131lar\u0131 ve yat\u0131r\u0131m tercihlerine uygun fon \u00e7e\u015fitlili\u011finin art\u0131r\u0131lmas\u0131 hedefleniyor. Kesintilerin daha sade ve anla\u015f\u0131l\u0131r hale getirilmesiyle sistemin cazibesinin art\u0131r\u0131lmas\u0131, kat\u0131l\u0131mc\u0131 say\u0131s\u0131 ve fon b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fcn y\u00fckseltilmesi ama\u00e7lan\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">Yeni yap\u0131da, fon tercihi yapmayan OKS kat\u0131l\u0131mc\u0131lar\u0131 i\u00e7in hayat stratejisi odakl\u0131 bir model olu\u015fturulmas\u0131 ve g\u00f6n\u00fcll\u00fc BES\u2019teki fonlar\u0131n BEFAS \u00fczerinden otomatik kat\u0131l\u0131m taraf\u0131nda da sunulmas\u0131 planlan\u0131yor. B\u00f6ylece kat\u0131l\u0131mc\u0131lar\u0131n risk profilleri ve emeklilik hedeflerine g\u00f6re daha geni\u015f bir fon yelpazesinden se\u00e7im yapabilmesinin \u00f6n\u00fc a\u00e7\u0131lacak.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Yat\u0131r\u0131m fonlu hayat sigortalar\u0131 yayg\u0131nla\u015ft\u0131r\u0131lacak<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Yeni d\u00f6nemin bir di\u011fer hedefi ise yat\u0131r\u0131m fonlu ve birikimli hayat sigortalar\u0131n\u0131n daha eri\u015filebilir hale getirilmesi.Bu \u00fcr\u00fcnlerin sigorta g\u00fcvencesi ile uzun vadeli yat\u0131r\u0131m ve birikim imkan\u0131n\u0131 ayn\u0131 yap\u0131da bulu\u015fturdu\u011funa dikkat \u00e7eken Mente\u015f, \u00fcr\u00fcn \u00e7e\u015fitlili\u011finin geli\u015ftirilmesi ve bu sigortalar\u0131n daha geni\u015f kesimler taraf\u0131ndan kullan\u0131lmas\u0131n\u0131n hedeflendi\u011fini belirtti.<\/p>\n<p class=\"wp-block-paragraph\">OVP ile birlikte ortaya konulan hedefler, \u00f6n\u00fcm\u00fczdeki d\u00f6nemde sigorta sekt\u00f6r\u00fcnde yaln\u0131zca prim \u00fcretiminin de\u011fil, afet risklerinin y\u00f6netimi, KOB\u0130\u2019lerin finansal dayan\u0131kl\u0131l\u0131\u011f\u0131, uzun vadeli tasarruflar\u0131n art\u0131r\u0131lmas\u0131 ve sigorta penetrasyonunun y\u00fckseltilmesinin de temel politika ba\u015fl\u0131klar\u0131 aras\u0131nda yer alaca\u011f\u0131n\u0131 g\u00f6steriyor.<\/p>\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Fzorunlu-afet-ve-alacak-sigortasinda-yeni-donem%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>SEDDK Ba\u015fkan\u0131 Davut Mente\u015f, 2027-2029 d\u00f6nemini kapsayan Orta Vadeli Program kapsam\u0131nda sigorta ve \u00f6zel emeklilik sekt\u00f6r\u00fcne ili\u015fkin yeni d\u00f6nemin \u00f6nceliklerini a\u00e7\u0131klad\u0131. Yeni d\u00f6nemde afet risklerinin daha geni\u015f kapsamda sigortalanmas\u0131, KOB\u0130\u2019lerin ticari alacak risklerinin azalt\u0131lmas\u0131, BES ve OKS\u2019nin geli\u015ftirilmesi ile yat\u0131r\u0131m<\/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-952","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/952","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=952"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/952\/revisions"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=952"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=952"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=952"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}