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Esin \u00c7ET\u0130NEL<\/strong><\/p>\n 2023 y\u0131l\u0131nda ard arda ya\u015fad\u0131\u011f\u0131m\u0131z do\u011fal afetler sigortan\u0131n ne kadar \u00f6nemli oldu\u011funu bir kez daha ac\u0131 bir bi\u00e7imde hat\u0131rlatt\u0131. Depremler, seller ve yang\u0131nlar sadece 2023 y\u0131l\u0131nda on binlerce insan\u0131m\u0131z\u0131 maddi manevi zarara u\u011fratt\u0131. Aksigorta Genel M\u00fcd\u00fcr\u00fc U\u011fur G\u00fclen, \u00f6ng\u00f6r\u00fclemeyen ve \u00f6nlenemeyen bu risklere kar\u015f\u0131 \u015firket ve bireylerin do\u011fru sigorta yapt\u0131rmas\u0131n\u0131n \u00e7ok \u00f6nemli oldu\u011funun alt\u0131n\u0131 \u00e7izdi.<\/p>\n \u00d6ncelikle zorunlu deprem sigortas\u0131 DASK\u2019\u0131n mutlaka yapt\u0131r\u0131lmas\u0131 gerekti\u011fini vurgulayan U\u011fur G\u00fclen, ev ve i\u015fyerlerinde \u00fc\u00e7l\u00fc sigorta kalkan\u0131 ile tam koruma sa\u011flanabilece\u011fini belirtip s\u00f6zlerini \u015f\u00f6yle s\u00fcrd\u00fcrd\u00fc; \u201cEn temel en g\u00fc\u00e7l\u00fc ilk korumay\u0131 sa\u011flayan DASK poli\u00e7eleri.<\/p>\n Ancak burada evin metrekaresi ne ise o metrekare \u00fczerinden DASK\u2019\u0131n yapt\u0131r\u0131lmas\u0131 laz\u0131m. \u00c7\u00fcnk\u00fc Kahramanmara\u015f depreminde g\u00f6rd\u00fck ki d\u00fc\u015f\u00fck prim \u00f6demek i\u00e7in DASK\u2019\u0131n\u0131 minimum b\u00fcy\u00fckl\u00fck olan 50 metrekare \u00fczerinden yapt\u0131ran \u00e7ok say\u0131da konut sahibi var. Tabii bu ki\u015filer deprem olduktan sonra 50 metrekare \u00fczerinden tazminatlar\u0131n\u0131 alabildiler.<\/p>\n DASK\u2019\u0131 yapt\u0131rd\u0131ktan sonra mutlaka deprem riskinin de yer ald\u0131\u011f\u0131 ev sigortas\u0131 yap\u0131lmal\u0131. \u00c7\u00fcnk\u00fc herkesin evi farkl\u0131 olabilir. DASK \u015fu anda metrekaresi 12 bin TL\u2019ye kadar \u00f6deme yap\u0131yor. Yani 100 metrekare bir ev i\u00e7in 1,2 milyon TL\u2019lik bir DASK teminat\u0131 al\u0131yorsunuz. Ben en az\u0131ndan DASK kadar da konut sigortas\u0131n\u0131n i\u00e7inde bir deprem teminat\u0131 al\u0131nmas\u0131n\u0131 \u00f6neriyorum. \u00dc\u00e7\u00fcnc\u00fc ad\u0131m ise ortak alan sigortas\u0131… \u00d6zellikle sitelerde ortak alan sigortas\u0131n\u0131n yayg\u0131nla\u015ft\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcyorum.\u201d<\/p>\n Kasko ve sa\u011fl\u0131k poli\u00e7esine dikkat!<\/strong><\/p>\n Yaln\u0131z DASK, konut sigortalar\u0131nda de\u011fil kasko ve sa\u011fl\u0131k sigortalar\u0131nda da depremzedelerin eksik poli\u00e7eleri y\u00fcz\u00fcnden \u00f6deme alamad\u0131klar\u0131n\u0131 aktaran U\u011fur G\u00fclen, bu konuda da \u015fu uyar\u0131larda bulundu; \u201cMara\u015f\u2019ta \u00e7ok ya\u015fad\u0131k. Kasko poli\u00e7elerinde deprem teminat\u0131 olmayan \u00e7ok say\u0131da ki\u015fi g\u00f6rd\u00fck. Biliyorsunuz ara\u00e7lar evlerin alt\u0131nda kald\u0131.<\/p>\n Kaskoda deprem teminat\u0131 yoksa bunlar \u00f6denmedi. Yine sa\u011fl\u0131k sigortalar\u0131nda da deprem teminat\u0131n\u0131 aramak gerekir. \u00c7\u00fcnk\u00fc deprem s\u0131ras\u0131nda d\u00fc\u015fme, k\u0131r\u0131k gibi \u00e7ok say\u0131da olay meydana geldi. Ve yine sa\u011fl\u0131k sigortas\u0131n\u0131n i\u00e7inde deprem teminat\u0131 bulunmayanlar \u00f6deme alamad\u0131.\u201d<\/p>\n Depremzedelere 7,8 milyar TL \u00f6deme<\/strong><\/p>\n \u00a0Aksigorta ise Kahramanmara\u015f depremi nedeniyle b\u00f6lge halk\u0131na toplam 7,8 milyar TL\u2019lik hasar \u00f6demesi yapacak. \u015eu ana kadar bunun 3,5 – 4 milyar TL\u2019nin \u00f6dendi\u011fini ve \u00f6demelerin h\u0131zlanarak s\u00fcrd\u00fc\u011f\u00fcn\u00fc ifade eden G\u00fclen, toplam 6 bine yak\u0131n hasar dosyas\u0131n\u0131n bin tanesinin oto, be\u015f bin tanesinin ise konut ve i\u015fyeri sigortas\u0131 oldu\u011fu bilgisi payla\u015ft\u0131.<\/p>\n 2023 y\u0131l\u0131nda ba\u015fta deprem olmak \u00fczere yang\u0131n, sel gibi do\u011fal afetler nedeniyle b\u00fcy\u00fck hasar \u00f6demesi yapan sigorta sekt\u00f6r\u00fc 2022\u2019nin aksine 2023 y\u0131l\u0131n\u0131 yine de karl\u0131 bi\u00e7imde kapatacak gibi g\u00f6r\u00fcn\u00fcyor. S\u00f6z konusu d\u00f6nemde bir \u00f6nceki y\u0131l\u0131n ilk alt\u0131 ay\u0131na g\u00f6re \u201cHayat D\u0131\u015f\u0131\u201d taraf\u0131nda ortalama prim art\u0131\u015f\u0131 y\u00fczde 140, \u201cHayat ve Hayat D\u0131\u015f\u0131\u201d taraf\u0131nda ise y\u00fczde 131 oldu.<\/p>\n Bu y\u0131l \u00f6zellikle ba\u015fta kasko ve sa\u011fl\u0131k sigortalar\u0131nda enflasyonun \u00e7ok \u00fczerinde prim art\u0131\u015flar\u0131 g\u00f6r\u00fcld\u00fc\u011f\u00fcn\u00fc bunun da sekt\u00f6rdeki karl\u0131l\u0131\u011fa olumlu y\u00f6nde etkiledi\u011fini s\u00f6yleyen G\u00fclen, m\u00fc\u015fterilerden tepki \u00e7eken bu y\u00fcksek prim art\u0131\u015flar\u0131n\u0131n nedeniyle ilgili \u015funlar\u0131 s\u00f6yledi; \u201cSigorta sekt\u00f6r\u00fcn\u00fcn iki temel gelir kayna\u011f\u0131 var. Bunlardan bir tanesi sigortac\u0131l\u0131k geliri. Ancak bizim sekt\u00f6rde \u00f6nce gelirimizi yani primimizi al\u0131yoruz, maliyet (hasar) sonra olu\u015fuyor.<\/p>\n Buna kar\u015f\u0131n ge\u00e7en son 20 ayda ben maliyetimi bilmeden mal\u0131 satt\u0131m. 2021\u2019in ba\u015f\u0131nda enflasyon 30- 40 olur derken 90\u2019lara dayand\u0131. B\u00f6yle olunca ge\u00e7ti\u011fimiz d\u00f6nem satt\u0131\u011f\u0131m\u0131z t\u00fcm \u00fcr\u00fcnlerden zarar ettik. Yeni \u00fcr\u00fcnleri satarken de maliyet riskini azaltmak i\u00e7in bu sefer kar marj\u0131m\u0131z\u0131 yukar\u0131 \u00e7\u0131kartt\u0131k, poli\u00e7e fiyatlar\u0131 enflasyonun \u00e7ok \u00fczerinde artt\u0131. Yani 2022 ba\u015f\u0131ndan itibaren gelece\u011fi tahmin edemeyen sigorta sekt\u00f6r\u00fc d\u00f6n\u00fcp fiyatlar\u0131n\u0131 art\u0131rd\u0131.<\/p>\n \u00d6zellikle kasko ve sa\u011fl\u0131k taraf\u0131nda karl\u0131l\u0131\u011f\u0131n iyi gelmesinin temel nedeni bu y\u00fcksek fiyat art\u0131\u015flar\u0131 oldu. Sekt\u00f6r\u00fcn ikinci \u00f6nemli konusu ise mali gelir. 2022\u2019den itibaren y\u00fczde 60-70 negatif faiz ortam\u0131ndan ge\u00e7tik. Hasar maliyetleri y\u00fczde 100 artarken, nakdimizi y\u00fczde 25-30 getiri ile de\u011f erlendirdik.<\/p>\n Bu nedenle 2022 bilan\u00e7olar\u0131 olduk\u00e7a k\u00f6t\u00fc ger\u00e7ekle\u015fti. Fakat 2023 ba\u015f\u0131ndan itibaren kurdaki art\u0131\u015f, faizlerdeki bir miktar y\u00fckselme, sigortac\u0131l\u0131k primlerindeki art\u0131\u015f ve d\u00fczenleyici denetleyici kurumun hasar b\u00fcy\u00fckl\u00fcklerine iskonto uygulama oran\u0131n\u0131 y\u00fczde 22\u2019den 28\u2019e \u00e7\u0131kartmas\u0131yla bir anda sigorta sekt\u00f6r\u00fc ilk alt\u0131 ayda olumlu finansal sonu\u00e7lar a\u00e7\u0131klad\u0131.\u201d<\/p>\n Kasko be\u015f kat artt\u0131<\/strong><\/p>\n \u00a0Buna kar\u015f\u0131n G\u00fclen, bu s\u00fcre\u00e7te sigorta sekt\u00f6r\u00fcn\u00fcn asl\u0131nda fahi\u015f fiyat uygulamad\u0131\u011f\u0131n\u0131 da savunuyor. 2021 Kas\u0131m’da ortalama kasko poli\u00e7esinin 2424 TL, bug\u00fcn ise 13.568 TL oldu\u011funu ifade eden G\u00fclen, \u201cKasko 20 ayda be\u015f katta fazla artt\u0131. Bu tabii ki y\u00fcksek bir art\u0131\u015f. Ancak bunda mutlaka hasar maliyetlerindeki art\u0131\u015f\u0131n ve ara\u00e7 fiyatlar\u0131ndaki h\u0131zl\u0131 art\u0131\u015f\u0131n \u00e7ok b\u00fcy\u00fck etkisi var. Ayn\u0131 \u015fey sa\u011fl\u0131k sigortalar\u0131 i\u00e7in de ge\u00e7erli oldu. Medikal enflasyon \u00e7ok ciddi artt\u0131\u201d diyor.<\/p>\n \u201cGazdan aya\u011f\u0131m\u0131z\u0131 \u00e7ektik\u201d<\/strong><\/p>\n Aksigorta\u2019n\u0131n ilk alt\u0131 ay sonu\u00e7lar\u0131n\u0131n ilk \u00e7eyre\u011fe g\u00f6re \u00e7ok daha g\u00fc\u00e7l\u00fc geldi\u011fini s\u00f6yleyen Gen el M\u00fcd\u00fcr U\u011fur G\u00fclen, \u201cSekt\u00f6r alt\u0131 ay\u0131 ortalama y\u00fczde 130\u2019a yak\u0131n b\u00fcy\u00fcme ile kapat\u0131rken, Aksigorta y\u00fczde 110\u2019larda kald\u0131. Bu bilin\u00e7li yap\u0131lan bir tercihti a\u00e7\u0131k\u00e7as\u0131.<\/p>\n \u00c7\u00fcnk\u00fc sigorta sekt\u00f6r\u00fcnde b\u00fcy\u00fcd\u00fck\u00e7e sermaye yeterlili\u011fi rasyosu b\u00fcy\u00fcyor. O nedenle b\u00fcy\u00fcme taraf\u0131nda aya\u011f\u0131m\u0131z\u0131 gazdan \u00e7ektik. Ama karl\u0131l\u0131k taraf\u0131nda depremi hari\u00e7 tutarsak iyi bir b\u00fcy\u00fcme yakalad\u0131k. Ge\u00e7en y\u0131l\u0131n ilk alt\u0131 ay\u0131nda eksi 106 milyon teknik kar a\u00e7\u0131klarken, bu y\u0131l 832 milyon TL elde ettik. Net kar\u0131m\u0131z ise ge\u00e7en y\u0131l ilk alt\u0131 ayda eksi 96 milyon TL iken, bu y\u0131l\u0131n ilk yar\u0131s\u0131nda 548 milyon TL\u2019ye ula\u015ft\u0131k.<\/p>\n Y\u0131l\u0131n kalan\u0131nda da g\u00f6stergeler olumlu trendin devam edece\u011fini s\u00f6yl\u00fcyor. Biz rotam\u0131z\u0131 biraz sigortac\u0131l\u0131k kar\u0131m\u0131z\u0131 y\u00f6netecek \u015fekilde oto d\u0131\u015f\u0131 \u00fcr\u00fcnler ve sa\u011fl\u0131k taraf\u0131na \u00e7eviriyoruz. Akbank kanal\u0131n\u0131 daha yo\u011fun kullanmay\u0131 hedefliyoruz. Oto ve trafik sigortalar\u0131ndaki pazar pay\u0131m\u0131z\u0131 biraz daha d\u00fc\u015f\u00fck tutaca\u011f\u0131z. Sermayemizi koruyarak kendi ya\u011f\u0131nda kavrulan bir \u015firket moduna do\u011fru ge\u00e7tik.\u201d<\/p>\n Sigorta hisseleri reva\u00e7ta<\/strong><\/p>\n Son haftalarda sigorta sekt\u00f6r\u00fc \u015firketlerinin borsadaki performans\u0131n\u0131n son derece g\u00f6z al\u0131c\u0131 oldu\u011funu s\u00f6yleyen U\u011fur G\u00fclen, bunda 2022 y\u0131l\u0131na g\u00f6re sekt\u00f6r\u00fcn kara ge\u00e7erek h\u0131zl\u0131 bir b\u00fcy\u00fcme yakalamas\u0131n\u0131n yan\u0131 s\u0131ra TL faizlerde y\u00fckseli\u015f beklentisinin etkili oldu\u011funu belirtiyor.<\/p>\n G\u00fclen bu konuda \u015f\u00f6yle konu\u015ftu; \u201cSon haftalarda sigorta hisselerindeki h\u0131zl\u0131 t\u0131rman\u0131\u015fta Merkez Bankas\u0131\u2019n\u0131n Kur Korumal\u0131 Mevduat\u0131 azaltmaya y\u00f6nelik ald\u0131\u011f\u0131 bir tak\u0131m tedbirler etkili oldu. Bu tedbirlere istinaden TL mevduat faizlerinin artaca\u011f\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor. Tabii tasarruftan para kazanan sigorta sekt\u00f6r\u00fcn\u00fcn faizler artt\u0131\u011f\u0131 zaman finansal gelir taraf\u0131nda olumlu etkilenece\u011fi g\u00f6r\u00fc\u015f\u00fcyle yat\u0131r\u0131mc\u0131lar sigortac\u0131l\u0131k hisselerine ilgi g\u00f6sterdiler.<\/p>\n Bu da \u00f6n\u00fcm\u00fczdeki d\u00f6nem sigortac\u0131l\u0131kla ilgili finansal sonu\u00e7lar\u0131n iyiye do\u011fru gidece\u011finin g\u00fczel bir g\u00f6stergesi diyebilirim.\u201d U\u011fur G\u00fclen ile ger\u00e7ekle\u015ftirdi\u011fimiz r\u00f6portaj\u0131m\u0131z\u0131n hemen ard\u0131ndan ge\u00e7en hafta Merkez Bankas\u0131\u2019n\u0131n politika faizini y\u00fczde 17.50\u2019den s\u00fcrpriz bir bi\u00e7imde y\u00fczde 25\u2019e y\u00fckseltmesi de piyasalarda kredi ve mevduat faizlerinde y\u00fckseli\u015f beklentisini desteklemi\u015f oldu.<\/p>\n<\/p><\/div>\n