{"id":30246,"date":"2014-08-08T09:35:23","date_gmt":"2014-08-08T06:35:23","guid":{"rendered":"https:\/\/www.enerjigazetesi.ist\/?p=30246"},"modified":"2014-08-08T09:35:23","modified_gmt":"2014-08-08T06:35:23","slug":"makale-enerji-fiyatlarinin-turk-sigorta-sektorune-etkileri","status":"publish","type":"post","link":"https:\/\/www.enerjigazetesi.ist\/en\/makale-enerji-fiyatlarinin-turk-sigorta-sektorune-etkileri\/","title":{"rendered":"(Turkish) Makale: Enerji Fiyatlar\u0131n\u0131n T\u00fcrk Sigorta Sekt\u00f6r\u00fcne Etkileri!"},"content":{"rendered":"<p class=\"qtranxs-available-languages-message qtranxs-available-languages-message-en\">Sorry, this entry is only available in <a href=\"https:\/\/www.enerjigazetesi.ist\/tr\/wp-json\/wp\/v2\/posts\/30246\" class=\"qtranxs-available-language-link qtranxs-available-language-link-tr\" title=\"Turkish\">Turkish<\/a>. For the sake of viewer convenience, the content is shown below in the alternative language. You may click the link to switch the active language.<\/p><p><strong>Son d\u00f6nemde Ukrayna-Rusya ile Suriye-M\u0131s\u0131r-\u0130ran-Irak-Filistin-\u0130srail \u00fclkelerindeki siyasi gerginlikler petrol ve do\u011falgaz fiyatlar\u0131nda yukar\u0131 y\u00f6nl\u00fc bask\u0131y\u0131 artt\u0131rmaktad\u0131r.<span id=\"more-66608\"><\/span> Bu ortamda, enerji arz\u0131nda de\u011fi\u015fmelere neden olabilecek jeopolitik ve siyasi geli\u015fmelerin, Do\u011falgaz ve Petrol konusunda d\u0131\u015fa ba\u011f\u0131ml\u0131l\u0131\u011f\u0131n %90 \u015feklinde ifade edildi\u011fi T\u00fcrkiye\u2019de bir\u00e7ok sekt\u00f6r\u00fc etkileyece\u011fi gibi <a href=\"https:\/\/www.enerjigazetesi.ist\/wp-content\/uploads\/2014\/08\/petrol-gaz-enerji-talebi-g\u00f6r\u00fcn\u00fcm\u00fc.jpg\"><img loading=\"lazy\" class=\"alignright size-medium wp-image-30241\" src=\"https:\/\/www.enerjigazetesi.ist\/wp-content\/uploads\/2014\/08\/petrol-gaz-enerji-talebi-g\u00f6r\u00fcn\u00fcm\u00fc-300x235.jpg\" alt=\"petrol-gaz-enerji-talebi-g\u00f6r\u00fcn\u00fcm\u00fc\" width=\"300\" height=\"235\" srcset=\"https:\/\/www.enerjigazetesi.ist\/wp-content\/uploads\/2014\/08\/petrol-gaz-enerji-talebi-g\u00f6r\u00fcn\u00fcm\u00fc-300x235.jpg 300w, https:\/\/www.enerjigazetesi.ist\/wp-content\/uploads\/2014\/08\/petrol-gaz-enerji-talebi-g\u00f6r\u00fcn\u00fcm\u00fc-500x392.jpg 500w, https:\/\/www.enerjigazetesi.ist\/wp-content\/uploads\/2014\/08\/petrol-gaz-enerji-talebi-g\u00f6r\u00fcn\u00fcm\u00fc-63x50.jpg 63w, https:\/\/www.enerjigazetesi.ist\/wp-content\/uploads\/2014\/08\/petrol-gaz-enerji-talebi-g\u00f6r\u00fcn\u00fcm\u00fc.jpg 764w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a>Sigorta Sekt\u00f6r\u00fcn\u00fc de etkilemesi muhtemeldir.<\/strong><\/p>\n<p>T\u00fcrkiye Sigorta Birli\u011fi\u2019nin yay\u0131nlad\u0131\u011f\u0131 2014 y\u0131l\u0131 ilk 6 Ayl\u0131k verisine g\u00f6re; sekt\u00f6r, toplam prim \u00fcretiminin %39,27\u2019sini Kasko ve Trafik bran\u015f\u0131ndan elde etmektedir. Her iki bran\u015f, otomotiv sekt\u00f6r\u00fcyle ili\u015fkilidir. Artmas\u0131 muhtemel enerji maliyetleri sebebiyle otomotiv sekt\u00f6r\u00fc bunu t\u00fcketiciye yans\u0131tacak olup ve sigorta \u015firketlerinin t\u00fcketiciye daha y\u00fcksek prim ile teklifte bulunmas\u0131na sebep olacakt\u0131r. Y\u00fcksek primin, t\u00fcketici taraf\u0131ndan sorguland\u0131\u011f\u0131 ve sekt\u00f6rdeki rekabet sebebiyle toplam prim \u00fcretimindeki art\u0131\u015f h\u0131z\u0131n\u0131n yava\u015flayaca\u011f\u0131 \u00f6ng\u00f6r\u00fclebilir. Ayr\u0131ca hasar maliyetleri, yedek par\u00e7a \u00fcretiminde ya\u015fanacak maliyet art\u0131\u015flar\u0131 sebebiyle y\u00fckselecektir. Enerji girdi maliyetlerinin y\u00fckselmesi, bu iki bran\u015fta prim \u00fcretimindeki art\u0131\u015f h\u0131z\u0131n\u0131n d\u00fc\u015fmesini ve hasar maliyetlerini negatif etkiler.<\/p>\n<p>T\u00fcrkiye Sigorta Birli\u011fi\u2019nin yay\u0131nlad\u0131\u011f\u0131 ilk 6 ayl\u0131k verilere g\u00f6re; sekt\u00f6r, toplam prim \u00fcretiminin %12,09\u2019si Hastal\u0131k\/Sa\u011fl\u0131k bran\u015f\u0131ndan elde etmektedir. Bu bran\u015fta \u201c\u00d6zel Sa\u011fl\u0131k Sigortas\u0131\u201d \u00f6nemli bir yer edinmektedir. Artmas\u0131 muhtemel enerji maliyetleri sebebiyle Dolar ve Euro kuru y\u00fckselecektir. Uluslar aras\u0131 Yat\u0131r\u0131mc\u0131lar Derne\u011fi T\u00fcrkiye Sa\u011fl\u0131k Sekt\u00f6r\u00fc Raporu\u2019na g\u00f6re T\u00fcrkiye; t\u0131bbi malzeme ve ila\u00e7ta %85 oran\u0131nda d\u0131\u015fa ba\u011f\u0131ml\u0131d\u0131r. Artan kur sebebiyle t\u0131bbi malzeme ve ila\u00e7 fiyatlar\u0131 artaca\u011f\u0131ndan, herhangi bir sa\u011fl\u0131k sorunu sebebiyle hastaneye gidecek ve \u00f6zel sa\u011fl\u0131k sigortas\u0131n\u0131 kullanacak t\u00fcketicinin sa\u011fl\u0131k masraflar\u0131 artacakt\u0131r. Artan sa\u011fl\u0131k giderleri sigorta \u015firketlerine de pay edilece\u011finden hasar maliyetleri artacakt\u0131r.<\/p>\n<p>Enerji fiyatlar\u0131ndaki art\u0131\u015f\u0131n, yukar\u0131da \u00f6rnek olarak verilen ve sekt\u00f6r\u00fcn lokomotifi say\u0131labilecek bran\u015flarda yarataca\u011f\u0131 etki sigorta \u015firketlerinin k\u00e2rlar\u0131n\u0131 eritir. Dolay\u0131s\u0131yla, enerji maliyetlerindeki de\u011fi\u015fikli\u011fin rekabetin \u00e7etin oldu\u011fu Sigorta Sekt\u00f6r\u00fcn\u00fcn \u00f6nc\u00fc g\u00f6stergeleri olan; Prim \u00dcretimlerindeki Art\u0131\u015f ve Pazar Pay\u0131 gibi verileri etkileyece\u011fi g\u00f6z ard\u0131 edilmemelidir. Prim \u00fcretimi ve hasar maliyetlerinin sekt\u00f6r\u00fcn Mali\/Teknik K\u00e2r\u0131nda ciddi de\u011fi\u015fimler getirece\u011finden, Enerji Sekt\u00f6r\u00fcndeki t\u00fcm de\u011fi\u015fikliklerin T\u00fcrk Sigorta Sekt\u00f6r\u00fc taraf\u0131ndan dikkatle izlenmesi gereklidir.<\/p>\n<p>Ya\u011fmur G\u00dcNE\u015e<\/p>\n<p>Kaynak: Enerji Enstit\u00fcs\u00fc<\/p>","protected":false},"excerpt":{"rendered":"<p>Sorry, this entry is only available in Turkish. For the sake of viewer convenience, the content is shown below in the alternative language. You may click the link to switch the active language.Son d\u00f6nemde Ukrayna-Rusya ile Suriye-M\u0131s\u0131r-\u0130ran-Irak-Filistin-\u0130srail \u00fclkelerindeki siyasi gerginlikler petrol ve do\u011falgaz fiyatlar\u0131nda yukar\u0131 y\u00f6nl\u00fc bask\u0131y\u0131 artt\u0131rmaktad\u0131r. Bu ortamda, enerji arz\u0131nda de\u011fi\u015fmelere neden olabilecek [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":30241,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[53],"tags":[15398,1238,774,1614,17173,17174,17175,17176],"views":611,"_links":{"self":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/30246"}],"collection":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/comments?post=30246"}],"version-history":[{"count":1,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/30246\/revisions"}],"predecessor-version":[{"id":30247,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/30246\/revisions\/30247"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media\/30241"}],"wp:attachment":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media?parent=30246"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/categories?post=30246"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/tags?post=30246"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}