{"id":8650,"date":"2023-01-31T09:28:52","date_gmt":"2023-01-31T09:28:52","guid":{"rendered":"https:\/\/www.mapfre.com.tr\/blog\/?p=8650"},"modified":"2024-09-18T11:30:34","modified_gmt":"2024-09-18T11:30:34","slug":"sigorta-primi-nedir-calisan-sigorta-primi-ne-kadar","status":"publish","type":"post","link":"https:\/\/www.mapfre.com.tr\/blog\/yasa\/sigorta-primi-nedir-calisan-sigorta-primi-ne-kadar\/","title":{"rendered":"Sigorta Primi Nedir? \u00c7al\u0131\u015fan Sigorta Primi Ne Kadar?"},"content":{"rendered":"\n<p>Sosyal devletler, vatanda\u015flar\u0131n\u0131n ma\u011fdur olmamas\u0131 i\u00e7in sosyal g\u00fcvence sistemleri olu\u015ftururlar. Bu sosyal g\u00fcvence sistemleri, sa\u011fl\u0131k hizmetlerinden faydalanmak ve ya\u015fl\u0131l\u0131k d\u00f6neminde d\u00fczenli gelir elde etmek gibi ama\u00e7lara hizmet eder. \u00dclkemizde ise bu sistem, Sosyal G\u00fcvenlik Kurumu (SGK) taraf\u0131ndan sa\u011flan\u0131r. Bireylerin ise bu sisteme dahil olabilmesi i\u00e7in devlete sigorta priminin d\u00fczenli olarak \u00f6denmesi gerekir.\u00a0<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>\u015eimdi, sigorta primi konusunda merak etti\u011finiz sorular\u0131 yan\u0131tlayal\u0131m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-sigorta-primi-nedir\"><strong>Sigorta Primi Nedir?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"483\" data-id=\"8653\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/01\/sigorata-primi-nedir-.jpg\" alt=\"Sigorta Primi nedir\" class=\"wp-image-8653\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/01\/sigorata-primi-nedir-.jpg 724w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/01\/sigorata-primi-nedir--300x200.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/01\/sigorata-primi-nedir--585x390.jpg 585w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/01\/sigorata-primi-nedir--263x175.jpg 263w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><\/figure>\n<\/figure>\n\n\n\n<p>Sigorta primi kavram\u0131 temelde ikiye ayr\u0131l\u0131r. \u0130lki sigorta sekt\u00f6r\u00fcnde, di\u011feri ise sosyal g\u00fcvenlik sisteminde \u00f6denen primleri ifade eder:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Sigorta sekt\u00f6r\u00fcnde prim: <\/strong>Ki\u015finin hayatta kar\u015f\u0131la\u015fabilece\u011fi riskleri garanti alt\u0131na almak i\u00e7in yapaca\u011f\u0131 sigortalar\u0131n bedelidir. Sigortal\u0131, sigorta poli\u00e7esi kapsam\u0131nda \u00f6demesi gereken paray\u0131 yani sigorta prim miktar\u0131n\u0131 sigorta \u015firketine \u00f6der. B\u00f6ylece sa\u011fl\u0131k sigortalar\u0131yla sa\u011fl\u0131\u011f\u0131n\u0131, ara\u00e7 sigortalar\u0131yla otomobillerini veya trafikte kar\u015f\u0131la\u015fabilece\u011fi sorunlar\u0131, hayat sigortalar\u0131yla da vefat etmeleri durumunda yak\u0131nlar\u0131n\u0131 poli\u00e7ede belirtilen teminatlar d\u00e2hilinde g\u00fcvence alt\u0131na al\u0131r.&nbsp;<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Sosyal G\u00fcvenlik Kurumunda prim:<\/strong> \u0130\u015fverenlerin \u00e7al\u0131\u015fanlar\u0131 i\u00e7in devlete \u00f6dedikleri sigorta bedelidir. B\u00f6ylece \u00e7al\u0131\u015fanlar, sa\u011fl\u0131k sorunlar\u0131yla kar\u015f\u0131la\u015ft\u0131klar\u0131nda hem kendileri hem de aileleri i\u00e7in devletin sundu\u011fu sa\u011fl\u0131k hizmetlerinden \u00fccretsiz ya da \u00e7ok c\u00fczi \u00fccretlerle faydalanabilir. Gereken di\u011fer \u015fartlar\u0131 kar\u015f\u0131lad\u0131klar\u0131nda da emeklilik sisteminin faydalar\u0131na eri\u015febilirler.&nbsp;<\/li><\/ul>\n\n\n\n<p>Sigorta t\u00fcr\u00fc ne olursa olsun, sigortadan yararlanabilmek i\u00e7in sigorta primi \u00f6demesi yapmak gerekir. Sigorta sekt\u00f6r\u00fcndeki prim \u00f6demeleri; sigortal\u0131n\u0131n ya\u015f\u0131, cinsiyeti, mesle\u011fi, sa\u011fl\u0131k durumu gibi fakt\u00f6rler dikkate al\u0131narak hesaplan\u0131r. Ayr\u0131ca sigortan\u0131n t\u00fcr\u00fc ve sigorta teminatlar\u0131 da sigorta priminin hesaplanmas\u0131nda etkilidir. SGK \u00fczerinden \u00e7al\u0131\u015fan-i\u015fveren ili\u015fkisi sonucu yat\u0131r\u0131lan sigorta primi ise temel kriterlere g\u00f6re belirlenir. Peki, SGK kurumuna yat\u0131r\u0131lan sigorta prim miktar\u0131 nedir, neye g\u00f6re belirlenir?&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Sigorta Primi Ne Kadard\u0131r?<\/strong><\/h2>\n\n\n\n<p>Her \u00e7al\u0131\u015fan\u0131n SGK prim tutar\u0131 farkl\u0131 olabilir. \u00c7\u00fcnk\u00fc bu tutar, \u00e7al\u0131\u015fan\u0131n ald\u0131\u011f\u0131 br\u00fct maa\u015f \u00fczerinden hesaplanarak belirlenir. Yani \u00e7al\u0131\u015fan\u0131n br\u00fct maa\u015f\u0131n\u0131n artmas\u0131; prim miktar\u0131n\u0131 art\u0131r\u0131rken maa\u015f\u0131n azalmas\u0131 durumunda da prim azal\u0131r.&nbsp;<\/p>\n\n\n\n<p>\u0130ndirimsiz sigorta primi toplamda br\u00fct maa\u015f\u0131n %37.5\u2019i kadard\u0131r. Bu oran; i\u015f\u00e7i sigorta primi %14, i\u015fveren pay\u0131 %20,5, i\u015f\u00e7i i\u015fsizlik pay\u0131 %1 ve i\u015fveren i\u015fsizlik pay\u0131 %2 \u015feklindedir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00c7al\u0131\u015fan Sigorta Primi Nas\u0131l Hesaplan\u0131r?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-2 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"483\" data-id=\"8652\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/01\/sigorta-primi-nasil-hesaplanir.jpg\" alt=\"Sigorta Primi Nas\u0131l Hesaplan\u0131r\" class=\"wp-image-8652\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/01\/sigorta-primi-nasil-hesaplanir.jpg 724w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/01\/sigorta-primi-nasil-hesaplanir-300x200.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/01\/sigorta-primi-nasil-hesaplanir-585x390.jpg 585w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/01\/sigorta-primi-nasil-hesaplanir-263x175.jpg 263w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><\/figure>\n<\/figure>\n\n\n\n<p>Sigorta primi hesaplama ilk a\u015famada kar\u0131\u015f\u0131k gibi g\u00f6r\u00fcnebilir. Ancak sigorta prim oranlar\u0131n\u0131 br\u00fct maa\u015f\u0131n\u0131z \u00fczerinden kolay bir \u00f6rnekle a\u00e7\u0131klayabiliriz. S\u00f6z konusu br\u00fct maa\u015f 10.000 TL olsun.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Prim \u00fccreti = (br\u00fct \u00fccret x i\u015f\u00e7i sigorta primi oran\u0131) + (br\u00fct \u00fccret x i\u015fveren pay\u0131 oran\u0131) + (br\u00fct \u00fccret x i\u015f\u00e7i i\u015fsizlik oran\u0131) + (br\u00fct \u00fccret x i\u015fveren i\u015fsizlik oran\u0131)&nbsp;<\/li><\/ul>\n\n\n\n<p>Prim \u00fccreti = (10.000 TL x %14) + (10.000 TL x %20,5) + (10.000 TL x %1) + (10.000 TL x %2)&nbsp;<\/p>\n\n\n\n<p>Prim \u00fccreti = 1.400 TL + 2.050 TL + 100 TL + 200 TL = 3.750 TL&nbsp;<\/p>\n\n\n\n<p>Hesaplama sonucunda, 10.000 TL br\u00fct \u00fccretli bir \u00e7al\u0131\u015fan i\u00e7in SGK\u2019ye \u00f6denmesi gereken sigorta primi 3.750 TL\u2019dir. Bu hesaplamalar kafa kar\u0131\u015ft\u0131r\u0131c\u0131 olabilir. Ancak SGK\u2019ye \u00f6denen primi \u00e7ok daha kolay bir \u015fekilde \u00f6\u011frenmeniz m\u00fcmk\u00fcn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Sigorta Primi Sorgulama Nas\u0131l Yap\u0131l\u0131r?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-3 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"482\" data-id=\"8655\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/01\/sigorta-primi-nedir.jpg\" alt=\"Sigorta Primi Nedir\" class=\"wp-image-8655\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/01\/sigorta-primi-nedir.jpg 724w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/01\/sigorta-primi-nedir-300x200.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/01\/sigorta-primi-nedir-585x389.jpg 585w, https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/01\/sigorta-primi-nedir-263x175.jpg 263w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><\/figure>\n<\/figure>\n\n\n\n<p>Sigorta priminizi e-devlet \u00fczerinden kolayca hesaplayabilirsiniz. Bunun i\u00e7in e-devlette <a href=\"https:\/\/www.turkiye.gov.tr\/sgk-tescil-ve-hizmet-dokumu\" target=\"_blank\" rel=\"noreferrer noopener\">SGK Tescil ve Hizmet D\u00f6k\u00fcm\u00fc<\/a> sayfas\u0131na giri\u015f yapman\u0131z yeterli. Ba\u011fl\u0131 oldu\u011funuz sigorta kolunu ayn\u0131 sayfa \u00fczerinden se\u00e7erek hizmet d\u00f6k\u00fcm\u00fcn\u00fc sorgulama i\u015flemini ger\u00e7ekle\u015ftirebilirsiniz. Hangi SGK sigorta koluna ba\u011fl\u0131 oldu\u011funuzu \u00f6\u011frenmek i\u00e7in ise \u201c<a href=\"https:\/\/www.mapfre.com.tr\/blog\/yasa\/4a-4b-4c-sigortali-nedir\/\" target=\"_blank\" rel=\"noreferrer noopener\">4A, 4B, 4C Si\u0307gortal\u0131 Nedi\u0307r? Farklari Nelerdi\u0307r?<\/a>\u201d ba\u015fl\u0131kl\u0131 yaz\u0131m\u0131z\u0131 okuyabilirsiniz.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Sigorta Primi Ne Zaman \u00d6denir?<\/strong><\/h2>\n\n\n\n<p>Sigorta primleri, i\u015fverenler taraf\u0131ndan ay\u0131n son g\u00fcn\u00fcne kadar yat\u0131r\u0131labilir. Ay\u0131n son g\u00fcn\u00fcn\u00fcn tatil g\u00fcn\u00fcne denk gelmesi halinde ise bir sonraki i\u015f g\u00fcn\u00fcnde prim \u00f6demesi yap\u0131labilir.<\/p>\n\n\n\n<p>Sa\u011fl\u0131kl\u0131 ve keyifli \u00e7al\u0131\u015fma hayat\u0131 dileriz!<\/p>\n\n\n\n<p><a href=\"https:\/\/www.mapfre.com.tr\/sigorta-tr\/bireysel\/\" target=\"_blank\" rel=\"noreferrer noopener\">MAPFRE Sigorta<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;Sigorta primi nedir, nas\u0131l hesaplan\u0131r?&#8221; gibi sigorta primine dair merak etti\u011finiz t\u00fcm sorular\u0131n cevaplar\u0131 i\u00e7in t\u0131klay\u0131n.<\/p>\n","protected":false},"author":3,"featured_media":8654,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,887],"tags":[899],"class_list":["post-8650","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\/8650","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=8650"}],"version-history":[{"count":3,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/8650\/revisions"}],"predecessor-version":[{"id":8658,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/8650\/revisions\/8658"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/8654"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=8650"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=8650"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=8650"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}