{"id":7441,"date":"2021-11-24T12:37:49","date_gmt":"2021-11-24T12:37:49","guid":{"rendered":"https:\/\/www.mapfre.com.tr\/blog\/?p=7441"},"modified":"2024-12-26T06:35:14","modified_gmt":"2024-12-26T06:35:14","slug":"katilim-sigortaciligi-nedir","status":"publish","type":"post","link":"https:\/\/www.mapfre.com.tr\/blog\/yasa\/katilim-sigortaciligi-nedir\/","title":{"rendered":"Kat\u0131l\u0131m Sigortac\u0131l\u0131\u011f\u0131 Nedir? Kat\u0131l\u0131m Sigortac\u0131l\u0131\u011f\u0131n\u0131n Faydalar\u0131 Nelerdir?"},"content":{"rendered":"\n<p>Sigorta \u00fcr\u00fcnleri, olu\u015fabilecek hasarlar\u0131 ve kar\u015f\u0131la\u015fabilece\u011finiz zararlar\u0131, \u00f6dedi\u011finiz primler kar\u015f\u0131l\u0131\u011f\u0131nda gidermeyi ama\u00e7layan \u00fcr\u00fcnlerdir. Bu \u00fcr\u00fcnler, risklerin meydana geldi\u011fi durumlarda, kar\u015f\u0131la\u015ft\u0131\u011f\u0131n\u0131z zararlar\u0131 poli\u00e7ede yer alan teminatlar ve limitler d\u00e2hilinde giderebilir. Sigorta \u00fcr\u00fcnleri genellikle bir birey ile sigorta \u015firketi aras\u0131nda yap\u0131l\u0131r. Hayat sigortas\u0131 gibi \u00fcr\u00fcnlerde ise sigortal\u0131n\u0131n varisleri, sigorta \u015firketinden baz\u0131 tazminatlar alabilir.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>S\u00f6z konusu kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131 oldu\u011funda ise bu tan\u0131mlarda baz\u0131 de\u011fi\u015fiklikler olur. \u00c7\u00fcnk\u00fc kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131n\u0131n amac\u0131 di\u011fer sigorta \u00fcr\u00fcnlerinden bir nebze farkl\u0131d\u0131r. Gelin, \u201cKat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131 ne demek, kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131n\u0131n faydalar\u0131 nelerdir?\u201d gibi sorular\u0131n yan\u0131tlar\u0131n\u0131 verelim.<\/p>\n\n\n\n<p><strong>Kat\u0131l\u0131m Sigortac\u0131l\u0131\u011f\u0131 Nedir?<\/strong><\/p>\n\n\n\n<p>Kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131, farkl\u0131 bireylerin \u00f6dedikleri primlerin bir havuzda toplanmas\u0131 ve sigortal\u0131lardan birinin poli\u00e7ede belirtilen zarara maruz kalmas\u0131 durumunda bu poli\u00e7e sahibinin zarar\u0131n\u0131n bu havuzdan tazmin edilmesi i\u00e7in yap\u0131lan yard\u0131mla\u015fmad\u0131r. K\u0131sacas\u0131 kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131n\u0131n di\u011fer sigorta \u00fcr\u00fcnlerinden en b\u00fcy\u00fck fark\u0131, yard\u0131mla\u015fma usul\u00fcne uygun bir \u015fekilde dizayn edilmesidir. Zarara u\u011frayan kat\u0131l\u0131mc\u0131lar\u0131n zarar\u0131n\u0131n tazmin edilmesi bir nevi yard\u0131mla\u015fma ile sa\u011flan\u0131r.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/11\/katilim-sigortaciliginin-genel-kurallari-1-1024x683.jpg\" alt=\"\" class=\"wp-image-7443\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/11\/katilim-sigortaciliginin-genel-kurallari-1-1024x683.jpg 1024w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/11\/katilim-sigortaciliginin-genel-kurallari-1-300x200.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/11\/katilim-sigortaciliginin-genel-kurallari-1-768x512.jpg 768w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/11\/katilim-sigortaciliginin-genel-kurallari-1-1170x780.jpg 1170w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/11\/katilim-sigortaciliginin-genel-kurallari-1-585x390.jpg 585w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/11\/katilim-sigortaciliginin-genel-kurallari-1-263x175.jpg 263w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/11\/katilim-sigortaciliginin-genel-kurallari-1.jpg 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Kat\u0131l\u0131m Sigortas\u0131n\u0131n Temel Kurallar\u0131 Nelerdir?<\/strong><\/p>\n\n\n\n<p>Elbette kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131 faaliyetlerinin ger\u00e7ekle\u015fmesi i\u00e7in bir havuzun olu\u015fturulmas\u0131 ve ihtiya\u00e7 durumunda, zararlar\u0131n \u201cKat\u0131l\u0131m Havuzu\u201d olarak adland\u0131r\u0131lan prim havuzundan tazmin edilmesi yeterli de\u011fil. Bu sigorta t\u00fcr\u00fcnde baz\u0131 genel ilkeler mevcut:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kat\u0131l\u0131mc\u0131lar yard\u0131mla\u015fma amac\u0131n\u0131 g\u00fctmeli ve g\u00f6n\u00fcll\u00fc olmal\u0131d\u0131r.<\/li>\n\n\n\n<li>Kat\u0131l\u0131m havuzunda biriken primler kat\u0131l\u0131mc\u0131lara ait olmal\u0131d\u0131r, \u015firketlere ait m\u00fclkiyet bulunmamal\u0131d\u0131r.<\/li>\n\n\n\n<li>Kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131na dair t\u00fcm konular\u0131n mevzuata uygunlu\u011fu Dan\u0131\u015fma Komitesi taraf\u0131ndan denetlenmelidir.<\/li>\n\n\n\n<li>Yap\u0131lacak t\u00fcm i\u015flemler ve de\u011fi\u015fiklikler, denetlemeyi ger\u00e7ekle\u015ftiren Dan\u0131\u015fma Komitesinin onay\u0131ndan ge\u00e7melidir.<\/li>\n\n\n\n<li>Elde edilen primler, Dan\u0131\u015fma Komitesi taraf\u0131ndan belirlenen faiz d\u0131\u015f\u0131 ara\u00e7larda de\u011ferlendirilmelidir.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"681\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/11\/katilim-sigortaciliginin-faydalari-1-1024x681.jpg\" alt=\"\" class=\"wp-image-7444\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/11\/katilim-sigortaciliginin-faydalari-1-1024x681.jpg 1024w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/11\/katilim-sigortaciliginin-faydalari-1-300x200.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/11\/katilim-sigortaciliginin-faydalari-1-768x511.jpg 768w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/11\/katilim-sigortaciliginin-faydalari-1-1170x778.jpg 1170w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/11\/katilim-sigortaciliginin-faydalari-1-585x389.jpg 585w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/11\/katilim-sigortaciliginin-faydalari-1-263x175.jpg 263w, https:\/\/www.mapfre.com.tr\/blog\/media\/2021\/11\/katilim-sigortaciliginin-faydalari-1.jpg 1255w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Kat\u0131l\u0131m Sigorta \u00dcr\u00fcnleri ve Bireysel Sigorta \u00dcr\u00fcnleri Aras\u0131ndaki Farklar Nelerdir?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Geleneksel sigorta \u00fcr\u00fcnlerinde sigortal\u0131, kendisini (ve baz\u0131 durumlarda varislerini) poli\u00e7ede belirtilen durumlara kar\u015f\u0131 korumak i\u00e7in prim \u00f6der. Kat\u0131l\u0131m sigortas\u0131nda ise \u00f6denen tutarlar yard\u0131mla\u015fma amac\u0131 ta\u015f\u0131r.<\/li>\n\n\n\n<li>Bireysel sigorta \u00fcr\u00fcnlerinde sigortal\u0131n\u0131n \u00f6dedi\u011fi primler faizli veya faizsiz yat\u0131r\u0131m ama\u00e7lar\u0131na y\u00f6nlendirilebilir. Kat\u0131l\u0131m sigortas\u0131nda ise risk ve pay sahiplerinin fondaki varl\u0131klar\u0131 faizsiz yat\u0131r\u0131m ara\u00e7lar\u0131na y\u00f6nlendirilir.<\/li>\n\n\n\n<li>Geleneksel sigorta \u00fcr\u00fcnleri risk transferi esas\u0131na dayan\u0131rken kat\u0131l\u0131m sigortas\u0131 risk payla\u015f\u0131m\u0131n\u0131 esas al\u0131r. Yani kat\u0131l\u0131m sigortac\u0131l\u0131\u011f\u0131nda yard\u0131m \u00f6n plandad\u0131r, geleneksel sigortada ise bu durum s\u00f6z konusu de\u011fildir.<\/li>\n\n\n\n<li>Geleneksel sigorta \u00fcr\u00fcnlerinde sigortalama riskini \u00fcstlenen sigorta \u015firketidir. Kat\u0131l\u0131m sigortas\u0131nda bu sorumluluk bir nevi kat\u0131l\u0131mc\u0131lara aittir.<\/li>\n<\/ul>\n\n\n\n<p><strong>Kat\u0131l\u0131m Sigortas\u0131nda Bakiye \u0130adesi M\u00fcmk\u00fcn m\u00fc?<\/strong><\/p>\n\n\n\n<p>Yard\u0131mla\u015fma usul\u00fcyle zarar\u0131n tazmin edilmesi \u00fczerine yap\u0131lan bu sigortada, hi\u00e7bir zarar ger\u00e7ekle\u015fmedi\u011fi ya da \u00f6denen tutardan az miktarda zarar ger\u00e7ekle\u015fti\u011fi takdirde bakiye iadesi yap\u0131labilir mi?<\/p>\n\n\n\n<p>Evet. D\u00f6nem sonunda, bahsi ge\u00e7en d\u00f6nemdeki sigortac\u0131l\u0131k masraflar\u0131 \u00e7\u0131kar\u0131larak kalan bakiye sigortal\u0131lara, kat\u0131l\u0131m paylar\u0131 do\u011frultusunda b\u00f6l\u00fc\u015ft\u00fcr\u00fclebilir.<\/p>\n\n\n\n<p>MAPFRE Sigorta<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sigorta \u00fcr\u00fcnleri, olu\u015fabilecek hasarlar\u0131 ve kar\u015f\u0131la\u015fabilece\u011finiz zararlar\u0131, \u00f6dedi\u011finiz primler kar\u015f\u0131l\u0131\u011f\u0131nda gidermeyi ama\u00e7layan \u00fcr\u00fcnlerdir. Bu \u00fcr\u00fcnler, risklerin meydana geldi\u011fi durumlarda, kar\u015f\u0131la\u015ft\u0131\u011f\u0131n\u0131z&hellip;<\/p>\n","protected":false},"author":3,"featured_media":7445,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,887],"tags":[899],"class_list":["post-7441","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-iyi-yasam","category-yasa","tag-ipucu"],"_links":{"self":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/7441","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=7441"}],"version-history":[{"count":4,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/7441\/revisions"}],"predecessor-version":[{"id":10132,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/7441\/revisions\/10132"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/7445"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=7441"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=7441"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=7441"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}