{"id":23,"date":"2023-04-04T12:05:42","date_gmt":"2023-04-04T12:05:42","guid":{"rendered":"http:\/\/localhost\/insureyou\/?page_id=23"},"modified":"2024-07-22T00:24:43","modified_gmt":"2024-07-21T21:24:43","slug":"sigorta-sozlugu","status":"publish","type":"page","link":"https:\/\/www.erkilicsigorta.com\/index.php\/sigorta-sozlugu\/","title":{"rendered":"Sigorta S\u00f6zl\u00fc\u011f\u00fc"},"content":{"rendered":"\t\t
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Sigorta S\u00f6zl\u00fc\u011f\u00fc<\/h2>
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Sigortac\u0131l\u0131k ile ilgili merak etti\u011finiz her konuda bilgiler bulabilece\u011finiz, e\u011flenceli s\u00f6zl\u00fck<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n \n \n Sigorta Nedir?<\/span>\n\n \n
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\n \n\t\t\t\t\t\t\t\t\t\t<\/i> <\/div>\n\n
\n \n\t\t\t\t\t\t\t\t\t\t<\/i> <\/div>\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
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\u0130leride olu\u015fabilecek zararlar\u0131 giderebilmek amac\u0131yla ilgili \u015firketler ile yap\u0131lan s\u00f6zle\u015fmedir. Ya\u015fam\u0131, sa\u011fl\u0131\u011f\u0131, mal\u0131, menfaati \u00fczerine sigorta yap\u0131lan ve hasar durumunda tazminat\u0131 almay\u0131 hak eden taraft\u0131r.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Lehdar \/ Menfaatdar nedir?<\/span>\n\n \n
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Sigortadan faydalanacak ki\u015fidir. Hayat sigortalar\u0131nda riskin ger\u00e7ekle\u015fmesi halinde tazminat\u0131n \u00f6denece\u011fi ki\u015fidir. Poli\u00e7ede menfaattar belirtilmemi\u015f ise kanuni varislerdir.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Sigortac\u0131 Ne Demektir?<\/span>\n\n \n
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\n \n\t\t\t\t\t\t\t\t\t\t<\/i> <\/div>\n\n
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Sigorta ettiren ile yap\u0131lan s\u00f6zle\u015fme sonucunda, \u00f6denen prim kar\u015f\u0131l\u0131\u011f\u0131nda sigortal\u0131ya ya da menfaattara, s\u00f6zle\u015fmeye konu olan zarar\u0131n ger\u00e7eklemesi halinde y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc yerine getiyen ve tazminat \u00f6demeyi \u00fcstlenen kurumdur.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Teminat Nedir?<\/span>\n\n \n
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\n \n\t\t\t\t\t\t\t\t\t\t<\/i> <\/div>\n\n
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Sigortac\u0131n\u0131n sigortal\u0131ya, zarar\u0131n ger\u00e7ekle\u015fmesi halinde vermeyi taahh\u00fct etti\u011fi g\u00fcvencedir.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Tazminat Nedir?<\/span>\n\n \n
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\n \n\t\t\t\t\t\t\t\t\t\t<\/i> <\/div>\n\n
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Sigortac\u0131n\u0131n sigortal\u0131ya, zarar\u0131n ger\u00e7ekle\u015fmesi halinde \u00f6denen miktard\u0131r.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Kloz Nedir?<\/span>\n\n \n
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\n \n\t\t\t\t\t\t\t\t\t\t<\/i> <\/div>\n\n
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Sigorta \u00e7e\u015fitlerine g\u00f6re poli\u00e7e genel \u015fartlar\u0131ndaki hususlar\u0131 tamamlayan ve \u00f6zellikle dikkat edilmesi gereken \u015fartlar\u0131 g\u00f6steren uyar\u0131 notudur.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n <\/div>\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n \n \n Akt\u00fcer<\/span>\n\n \n
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\n \n\t\t\t\t\t\t\t\t\t\t<\/i> <\/div>\n\n
\n \n\t\t\t\t\t\t\t\t\t\t<\/i> <\/div>\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
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Sigorta matematik\u00e7isidir. Hangi risk i\u00e7in hangi \u015fartlarda ne kadar sigorta primi \u00f6denmesi gerekti\u011fini hesaplayarak standardize eder. Sigorta primi, yat\u0131r\u0131mlar, kar\u015f\u0131l\u0131klar gibi sigortac\u0131l\u0131kla ilgili teknik ve finansal konularda, olas\u0131l\u0131k hesaplar\u0131 ve istatistik alan\u0131nda uzman olan profesyonel ki\u015fidir. Hayat Sigortalar\u0131\u2019nda, n\u00fcfus yap\u0131s\u0131 ya\u015fama ve \u00f6l\u00fcm ihtimalleri ile faiz ve \u0131skonto oranlar\u0131, akt\u00fcerin hesaplamalar\u0131nda dikkate ald\u0131\u011f\u0131 en \u00f6nemli fakt\u00f6rlerdir. Eski Roma'da sayan ki\u015fi anlam\u0131na gelirdi. \u00dclkemizde her sigorta \u015firketi mutlaka en az bir akt\u00fcer bulundurmak zorundad\u0131r.
Akt\u00fcer Sigorta risk analizi konusunda, prim katsay\u0131lar\u0131n\u0131n hesaplanmas\u0131, risk rezervleri ve sigorta \u015firketlerinin y\u00fck\u00fcml\u00fcl\u00fcklerini kar\u015f\u0131lama yeterlili\u011fi konusunda uzmanl\u0131\u011f\u0131 olan, sigorta matemati\u011fi e\u011fitimi alm\u0131\u015f ve bu konuda yeterlili\u011fi Hazine taraf\u0131ndan tescil edilmi\u015f ki\u015filerdir. B\u00fct\u00fcn bu konularla ilgili alana da akt\u00fcerya denir.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Akt\u00fceryal Matematik Kar\u015f\u0131l\u0131k<\/span>\n\n \n
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Sigortac\u0131, portf\u00f6y\u00fcndeki uzun s\u00fcreli poli\u00e7eler i\u00e7in s\u00fcre sonundaki taahh\u00fctlerini kar\u015f\u0131lamak \u00fczere sigortan\u0131n ba\u015flang\u0131c\u0131ndan itibaren baz\u0131 matematiksel y\u00f6ntemlerle belirlenen bir fon ay\u0131r\u0131r. Bu fona akt\u00fceryal matematik kar\u015f\u0131l\u0131k denir. Birikimli hayat sigortalar\u0131nda sigortac\u0131 taraf\u0131ndan garanti edilen birikim tutar\u0131d\u0131r.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n A\u015fk\u0131n Sigorta<\/span>\n\n \n
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\n \n\t\t\t\t\t\t\t\t\t\t<\/i> <\/div>\n\n
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Sigorta de\u011ferinin \u00fcst\u00fcnde bir bedelle yap\u0131lan sigortaya \u201ca\u015fk\u0131n sigorta\u201d denir. Yasal olarak sigorta bedeli sigorta de\u011ferini a\u015famaz; aksi takdirde, sigorta bedelinin de\u011feri a\u015fan miktar\u0131 hakk\u0131nda sigorta s\u00f6zle\u015fmesi ge\u00e7ersizdir.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Ferdi kaza sigortas\u0131<\/span>\n\n \n
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\n \n\t\t\t\t\t\t\t\t\t\t<\/i> <\/div>\n\n
\n \n\t\t\t\t\t\t\t\t\t\t<\/i> <\/div>\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
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Bir kaza sonucu ortaya \u00e7\u0131kan \u00f6l\u00fcm ve yaralanma hallerinde sigortal\u0131 yada yak\u0131nlar\u0131n\u0131n tazmin edilmesini ama\u00e7layan sigorta t\u00fcr\u00fcd\u00fcr.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Tazminat Nedir?<\/span>\n\n \n
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\n \n\t\t\t\t\t\t\t\t\t\t<\/i> <\/div>\n\n
\n \n\t\t\t\t\t\t\t\t\t\t<\/i> <\/div>\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
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Sigortac\u0131n\u0131n sigortal\u0131ya, zarar\u0131n ger\u00e7ekle\u015fmesi halinde \u00f6denen miktard\u0131r.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n \n

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\n \n \n Kloz Nedir?<\/span>\n\n \n
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\n \n\t\t\t\t\t\t\t\t\t\t<\/i> <\/div>\n\n
\n \n\t\t\t\t\t\t\t\t\t\t<\/i> <\/div>\n <\/div>\n\n \n <\/a>\n <\/div>\n\n
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Sigorta \u00e7e\u015fitlerine g\u00f6re poli\u00e7e genel \u015fartlar\u0131ndaki hususlar\u0131 tamamlayan ve \u00f6zellikle dikkat edilmesi gereken \u015fartlar\u0131 g\u00f6steren uyar\u0131 notudur.<\/p> <\/div>\n\n <\/div>\n\n <\/div>\n\n <\/div>\n <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Sigorta S\u00f6zl\u00fc\u011f\u00fc Sigortac\u0131l\u0131k ile ilgili merak etti\u011finiz her konuda bilgiler bulabilece\u011finiz, e\u011flenceli s\u00f6zl\u00fck Sigorta Nedir? \u0130leride olu\u015fabilecek zararlar\u0131 giderebilmek amac\u0131yla ilgili \u015firketler ile yap\u0131lan s\u00f6zle\u015fmedir. Ya\u015fam\u0131, sa\u011fl\u0131\u011f\u0131, mal\u0131, menfaati \u00fczerine sigorta yap\u0131lan ve hasar durumunda tazminat\u0131 almay\u0131 hak eden taraft\u0131r. Lehdar \/ Menfaatdar nedir? Sigortadan faydalanacak ki\u015fidir. Hayat sigortalar\u0131nda riskin ger\u00e7ekle\u015fmesi halinde tazminat\u0131n \u00f6denece\u011fi ki\u015fidir. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-23","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.erkilicsigorta.com\/index.php\/wp-json\/wp\/v2\/pages\/23","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.erkilicsigorta.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.erkilicsigorta.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.erkilicsigorta.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.erkilicsigorta.com\/index.php\/wp-json\/wp\/v2\/comments?post=23"}],"version-history":[{"count":10,"href":"https:\/\/www.erkilicsigorta.com\/index.php\/wp-json\/wp\/v2\/pages\/23\/revisions"}],"predecessor-version":[{"id":1096,"href":"https:\/\/www.erkilicsigorta.com\/index.php\/wp-json\/wp\/v2\/pages\/23\/revisions\/1096"}],"wp:attachment":[{"href":"https:\/\/www.erkilicsigorta.com\/index.php\/wp-json\/wp\/v2\/media?parent=23"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}