S\u00fcrprim kavram\u0131n\u0131 a\u00e7\u0131klamak i\u00e7in \u00f6ncelikle sigorta primi kavram\u0131na de\u011finmek gerekli. Sigorta s\u00f6zle\u015fmesi kapsam\u0131nda arac\u0131n\u0131z, eviniz, sa\u011fl\u0131\u011f\u0131n\u0131z gibi pek \u00e7ok konuda olu\u015fabilecek risklere kar\u015f\u0131 sigorta \u015firketi taraf\u0131ndan g\u00fcvence sa\u011flan\u0131r. Bu g\u00fcvence i\u00e7in de sigortal\u0131 ki\u015fi yani siz, d\u00fczenli olarak sigorta \u015firketine \u00f6deme yapars\u0131n\u0131z. \u00d6denen bu tutara ise sigorta primi denir. <\/p>\n\n\n\n
Poli\u00e7ede yer alan teminatlar, sigorta \u015firketinin sundu\u011fu farkl\u0131 sigorta \u00e7e\u015fitlerine ve sigortal\u0131n\u0131n ihtiyac\u0131na g\u00f6re \u015fekillenir. Bu nedenle sigorta primi tutar\u0131, sigortan\u0131n t\u00fcr\u00fcne ve teminatlar\u0131na g\u00f6re de\u011fi\u015fir. Ancak baz\u0131 nedenlerden dolay\u0131 sigorta \u015firketi, belirlenen sigorta primine ek prim talebinde bulunabilir. Sigortal\u0131n\u0131n \u00f6demesi gereken bu ek prim ise s\u00fcrprim olarak adland\u0131r\u0131l\u0131r. K\u0131sacas\u0131 s\u00fcrprim, sigorta primine uygulanan ek tutar olarak a\u00e7\u0131klanabilir.<\/p>\n\n\n\n
Hangi Durumlarda S\u00fcrprim Uygulan\u0131r?<\/strong><\/h2>\n\n\n\n![\"S\u00fcrprim](\"https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/06\/surprim-uygulanan-durumlar.jpg\")
<\/figure>\n\n\n\nS\u00fcrprim kavram\u0131n\u0131 a\u00e7\u0131klarken belirtti\u011fimiz gibi sigorta \u015firketi, baz\u0131 nedenlerden dolay\u0131 sigorta primine s\u00fcrprim uygulayabilir. Peki, bu nedenler nelerdir?<\/p>\n\n\n\n
Sigortac\u0131l\u0131kta s\u00fcrprim uygulamas\u0131 i\u00e7in iki farkl\u0131 sebep bulunur. Bunlardan ilki, devlet taraf\u0131ndan zorunlu tutulan baz\u0131 sigorta t\u00fcrlerinin yenilenmesi s\u00fcrecinde uygulanan s\u00fcrprim. DASK ve Zorunlu Trafik Sigortas\u0131 gibi devlet taraf\u0131ndan zorunlu tutulan sigortalar\u0131n her y\u0131l yenilenmesi gerekir. E\u011fer sigortal\u0131 taraf\u0131ndan bu yenileme i\u015flemi yap\u0131lmad\u0131ysa sigortan\u0131n pasif duruma ge\u00e7memesi i\u00e7in sigorta \u015firketi, prime s\u00fcrprim uygulayarak poli\u00e7eyi yeniler. <\/p>\n\n\n\n
S\u00fcrprim uygulamas\u0131n\u0131n di\u011fer sebebi ise sigorta s\u00f6zle\u015fmesinin ba\u015flang\u0131c\u0131nda poli\u00e7eye dahil olmayan teminatlar\u0131n zaman i\u00e7erisinde poli\u00e7eye eklenmi\u015f olmas\u0131. Sigortal\u0131n\u0131n ihtiyac\u0131na y\u00f6nelik olarak poli\u00e7e kapsam\u0131 g\u00fcncellendi\u011finde veya ek teminatlar ile geni\u015fletildi\u011finde sigorta primi zaman i\u00e7erisinde de\u011fi\u015febilir. Ba\u015flang\u0131\u00e7ta belirlenen sigorta primi g\u00fcncellendi\u011fi i\u00e7in de sigorta taraf\u0131ndan s\u00fcrprim uygulan\u0131r. <\/p>\n\n\n\n
Belirli Bir S\u00fcrprim Oran\u0131 Var m\u0131? <\/strong><\/h2>\n\n\n\nSigortan\u0131n uygulad\u0131\u011f\u0131 bir zam oldu\u011fu i\u00e7in s\u00fcrprim ile ilgili en merak edilen soru \u201cBelirli bir s\u00fcrprim oran\u0131 var m\u0131?\u201d oluyor. \u00c7\u00fcnk\u00fc sigorta yapt\u0131r\u0131rken gecikmeden kaynakl\u0131 ya da teminat de\u011fi\u015fikliklerinde sigortal\u0131lara uygulanacak s\u00fcrprim oran\u0131n\u0131n bilinmesi, sigorta primininin hesaplanmas\u0131 i\u00e7in de oldu\u00e7a \u00f6nemli. <\/p>\n\n\n\n
Ancak \u015funu belirtelim ki her sigorta t\u00fcr\u00fcnde uygulanacak \u015fekilde belirli bir s\u00fcrprim oran\u0131 bulunmaz. Baz\u0131 sigorta t\u00fcrlerinde s\u00fcrprim oran\u0131 i\u00e7in devlet taraf\u0131ndan \u00fcst s\u0131n\u0131r belirlenirken baz\u0131lar\u0131nda ise bu oran, sigorta \u015firketi taraf\u0131ndan belirlenir. Bu nedenle bir s\u00fcrprizle kar\u015f\u0131la\u015fmamak i\u00e7in sigorta poli\u00e7enizi olu\u015ftururken sigortan\u0131n s\u00fcrprim oranlar\u0131 hakk\u0131nda da bilgi alman\u0131zda fayda var. <\/p>\n\n\n\n
S\u00fcrprim oran\u0131na devlet taraf\u0131ndan \u00fcst s\u0131n\u0131r konulan sigorta t\u00fcr\u00fc, Zorunlu Trafik Sigortas\u0131d\u0131r. Zorunlu Trafik Sigortas\u0131n\u0131 yenilemeyi geciktirdi\u011finiz takdirde sigorta; her ay i\u00e7in en fazla %5, toplamda ise en fazla %50 olmak \u00fczere s\u00fcrprim uygulayabilir. <\/p>\n\n\n\n
Sigorta T\u00fcrlerine G\u00f6re S\u00fcrprim Nas\u0131l Hesaplan\u0131r?<\/strong><\/h2>\n\n\n\n![\"Sigorta](\"https:\/\/www.mapfre.com.tr\/blog\/media\/2023\/06\/sigorta-turlerine-gore-surprim.jpg\")
<\/figure>\n\n\n\nSigorta t\u00fcrlerine g\u00f6re s\u00fcrprim oranlar\u0131n\u0131n de\u011fi\u015fmesinin temel sebebi, her sigortan\u0131n g\u00fcvence kapsam\u0131n\u0131n ve bu kapsama g\u00f6re risk unsurlar\u0131n\u0131n farkl\u0131l\u0131k g\u00f6stermesidir. Bu nedenle t\u0131pk\u0131 sigorta primi hesab\u0131ndaki gibi s\u00fcrprim hesab\u0131 yaparken de sigorta t\u00fcr\u00fcn\u00fc dikkate almak gerekir. B\u00f6ylelikle sigorta taraf\u0131ndan belirlenen s\u00fcrprimin hangi unsurlara dikkat edilerek hesapland\u0131\u011f\u0131n\u0131 anlamak daha kolay olur. Hasar adedi, ya\u015f, demografi gibi s\u00fcrprim hesaplamas\u0131n\u0131 etkileyen baz\u0131 temel unsurlar olsa da her firman\u0131n s\u00fcrprim hesaplamalar\u0131n\u0131n kendine \u00f6zg\u00fc oldu\u011funu da belirtmek gerekir. Sigorta t\u00fcrlerine g\u00f6re s\u00fcrprim hesab\u0131nda dikkat edilen baz\u0131 unsurlar\u0131 inceleyelim. <\/p>\n\n\n\n
Konut sigortas\u0131: <\/strong> DASK ve di\u011fer konut sigortalar\u0131, evinizi olas\u0131 risklere kar\u015f\u0131 g\u00fcvence alt\u0131na alan sigortalard\u0131r. Bu sigortalar i\u00e7in s\u00fcrprim; binan\u0131n ya\u015f\u0131, kat say\u0131s\u0131, konutta yer alan e\u015fyalar\u0131n bedeli gibi detaylar dikkate al\u0131narak hesaplan\u0131r.<\/p>\n\n\n\nKasko sigortas\u0131: <\/strong>Arac\u0131n\u0131z\u0131 bir kaza ve ar\u0131za durumunda olu\u015fabilecek risklere kar\u015f\u0131 g\u00fcvence alt\u0131na alan kasko sigortas\u0131 i\u00e7in s\u00fcrprim, s\u00fcr\u00fcc\u00fcn\u00fcn kaza ge\u00e7mi\u015fine g\u00f6re belirlenir. S\u00fcrprim bedelini etkileyen bu durum, ayn\u0131 zamanda hasars\u0131zl\u0131k indirimi alman\u0131z\u0131 da sa\u011flayabilir. E\u011fer s\u00fcr\u00fcc\u00fcn\u00fcn kaza ge\u00e7mi\u015fi yoksa poli\u00e7e yenileme zaman\u0131nda hasars\u0131zl\u0131k indirimi<\/a> uygulan\u0131r. <\/p>\n\n\n\nSa\u011fl\u0131k sigortas\u0131:<\/strong> Sa\u011fl\u0131k sigortalar\u0131, s\u00fcrprim uygulamas\u0131n\u0131n s\u0131kl\u0131kla yap\u0131ld\u0131\u011f\u0131 sigorta t\u00fcrlerinden biridir. Bu alanda s\u00fcrprim bedelinin belirlenmesi i\u00e7in ki\u015finin hastal\u0131k ge\u00e7mi\u015fine, hangi teminatlardan daha s\u0131k yararland\u0131\u011f\u0131na ve genetik hastal\u0131k risklerine dikkat edilir. <\/p>\n\n\n\nHayat sigortas\u0131:<\/strong> Hayat sigortas\u0131nda da sa\u011fl\u0131k sigortas\u0131 ile benzer bir hesaplama y\u00f6ntemi bulunur. Ki\u015finin ya\u015f\u0131na ve teminatlara g\u00f6re belirlenen sigorta primine ek olarak ki\u015finin hastal\u0131k ge\u00e7mi\u015fi, genetik yatk\u0131nl\u0131klar gibi unsurlara g\u00f6re s\u00fcrprim belirlenir. Hayat sigortas\u0131nda s\u00fcrprim belirlemek i\u00e7in hastal\u0131klar \u00fczerinde yap\u0131lan istatistiki bilgilere ba\u015fvurulur. <\/p>\n\n\n\nK\u0131sacas\u0131 s\u00fcrprim hesab\u0131 i\u00e7in t\u00fcm sigorta t\u00fcrlerine uygun bir form\u00fcl bulunmuyor. Bu hesaplama, sigortan\u0131n t\u00fcr\u00fcne ve poli\u00e7e kapsam\u0131na g\u00f6re de\u011fi\u015fiklik g\u00f6steriyor. Konut, ara\u00e7, sa\u011fl\u0131k alanlar\u0131nda sizi ve sevdiklerinizi g\u00fcvence alt\u0131na alan MAPFRE Sigorta\u2019n\u0131n \u00fcr\u00fcnlerini incelemek ve \u015fartlar\u0131n\u0131 \u00f6\u011frenmek i\u00e7in acentelerimizle<\/a> ileti\u015fime ge\u00e7ebilirsiniz.<\/p>\n\n\n\nSigorta s\u00f6zle\u015fmesi yaparken di\u011fer \u00f6nemli bir konu olan sigorta bedeli hesaplama hakk\u0131nda detayl\u0131 bilgi almak ve bu hesapta kar\u015f\u0131la\u015f\u0131lan iki \u00f6nemli kavram\u0131 \u00f6\u011frenmek i\u00e7in de \u201cEksik Sigorta ve A\u015fk\u0131n Sigorta Nedir?<\/a>\u201d yaz\u0131m\u0131z\u0131 okuyabilirsiniz.<\/p>\n\n\n\nMAPFRE Sigorta<\/p>\n","protected":false},"excerpt":{"rendered":"
Sigortac\u0131l\u0131kta s\u0131kl\u0131kla kar\u015f\u0131la\u015f\u0131lan ve sigorta primini etkileyen s\u00fcrprim kavram\u0131n\u0131 \u00f6\u011frenmek i\u00e7in blog yaz\u0131m\u0131z\u0131 okuyabilirsiniz. <\/p>\n","protected":false},"author":3,"featured_media":8955,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,887],"tags":[899],"class_list":["post-8948","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\/8948","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=8948"}],"version-history":[{"count":4,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/8948\/revisions"}],"predecessor-version":[{"id":10121,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/8948\/revisions\/10121"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/8955"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=8948"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=8948"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=8948"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
<\/figure>\n\n\n\nS\u00fcrprim kavram\u0131n\u0131 a\u00e7\u0131klarken belirtti\u011fimiz gibi sigorta \u015firketi, baz\u0131 nedenlerden dolay\u0131 sigorta primine s\u00fcrprim uygulayabilir. Peki, bu nedenler nelerdir?<\/p>\n\n\n\n
Sigortac\u0131l\u0131kta s\u00fcrprim uygulamas\u0131 i\u00e7in iki farkl\u0131 sebep bulunur. Bunlardan ilki, devlet taraf\u0131ndan zorunlu tutulan baz\u0131 sigorta t\u00fcrlerinin yenilenmesi s\u00fcrecinde uygulanan s\u00fcrprim. DASK ve Zorunlu Trafik Sigortas\u0131 gibi devlet taraf\u0131ndan zorunlu tutulan sigortalar\u0131n her y\u0131l yenilenmesi gerekir. E\u011fer sigortal\u0131 taraf\u0131ndan bu yenileme i\u015flemi yap\u0131lmad\u0131ysa sigortan\u0131n pasif duruma ge\u00e7memesi i\u00e7in sigorta \u015firketi, prime s\u00fcrprim uygulayarak poli\u00e7eyi yeniler. <\/p>\n\n\n\n
S\u00fcrprim uygulamas\u0131n\u0131n di\u011fer sebebi ise sigorta s\u00f6zle\u015fmesinin ba\u015flang\u0131c\u0131nda poli\u00e7eye dahil olmayan teminatlar\u0131n zaman i\u00e7erisinde poli\u00e7eye eklenmi\u015f olmas\u0131. Sigortal\u0131n\u0131n ihtiyac\u0131na y\u00f6nelik olarak poli\u00e7e kapsam\u0131 g\u00fcncellendi\u011finde veya ek teminatlar ile geni\u015fletildi\u011finde sigorta primi zaman i\u00e7erisinde de\u011fi\u015febilir. Ba\u015flang\u0131\u00e7ta belirlenen sigorta primi g\u00fcncellendi\u011fi i\u00e7in de sigorta taraf\u0131ndan s\u00fcrprim uygulan\u0131r. <\/p>\n\n\n\n
Belirli Bir S\u00fcrprim Oran\u0131 Var m\u0131? <\/strong><\/h2>\n\n\n\nSigortan\u0131n uygulad\u0131\u011f\u0131 bir zam oldu\u011fu i\u00e7in s\u00fcrprim ile ilgili en merak edilen soru \u201cBelirli bir s\u00fcrprim oran\u0131 var m\u0131?\u201d oluyor. \u00c7\u00fcnk\u00fc sigorta yapt\u0131r\u0131rken gecikmeden kaynakl\u0131 ya da teminat de\u011fi\u015fikliklerinde sigortal\u0131lara uygulanacak s\u00fcrprim oran\u0131n\u0131n bilinmesi, sigorta primininin hesaplanmas\u0131 i\u00e7in de oldu\u00e7a \u00f6nemli. <\/p>\n\n\n\n
Ancak \u015funu belirtelim ki her sigorta t\u00fcr\u00fcnde uygulanacak \u015fekilde belirli bir s\u00fcrprim oran\u0131 bulunmaz. Baz\u0131 sigorta t\u00fcrlerinde s\u00fcrprim oran\u0131 i\u00e7in devlet taraf\u0131ndan \u00fcst s\u0131n\u0131r belirlenirken baz\u0131lar\u0131nda ise bu oran, sigorta \u015firketi taraf\u0131ndan belirlenir. Bu nedenle bir s\u00fcrprizle kar\u015f\u0131la\u015fmamak i\u00e7in sigorta poli\u00e7enizi olu\u015ftururken sigortan\u0131n s\u00fcrprim oranlar\u0131 hakk\u0131nda da bilgi alman\u0131zda fayda var. <\/p>\n\n\n\n
S\u00fcrprim oran\u0131na devlet taraf\u0131ndan \u00fcst s\u0131n\u0131r konulan sigorta t\u00fcr\u00fc, Zorunlu Trafik Sigortas\u0131d\u0131r. Zorunlu Trafik Sigortas\u0131n\u0131 yenilemeyi geciktirdi\u011finiz takdirde sigorta; her ay i\u00e7in en fazla %5, toplamda ise en fazla %50 olmak \u00fczere s\u00fcrprim uygulayabilir. <\/p>\n\n\n\n
Sigorta T\u00fcrlerine G\u00f6re S\u00fcrprim Nas\u0131l Hesaplan\u0131r?<\/strong><\/h2>\n\n\n\n<\/figure>\n\n\n\nSigorta t\u00fcrlerine g\u00f6re s\u00fcrprim oranlar\u0131n\u0131n de\u011fi\u015fmesinin temel sebebi, her sigortan\u0131n g\u00fcvence kapsam\u0131n\u0131n ve bu kapsama g\u00f6re risk unsurlar\u0131n\u0131n farkl\u0131l\u0131k g\u00f6stermesidir. Bu nedenle t\u0131pk\u0131 sigorta primi hesab\u0131ndaki gibi s\u00fcrprim hesab\u0131 yaparken de sigorta t\u00fcr\u00fcn\u00fc dikkate almak gerekir. B\u00f6ylelikle sigorta taraf\u0131ndan belirlenen s\u00fcrprimin hangi unsurlara dikkat edilerek hesapland\u0131\u011f\u0131n\u0131 anlamak daha kolay olur. Hasar adedi, ya\u015f, demografi gibi s\u00fcrprim hesaplamas\u0131n\u0131 etkileyen baz\u0131 temel unsurlar olsa da her firman\u0131n s\u00fcrprim hesaplamalar\u0131n\u0131n kendine \u00f6zg\u00fc oldu\u011funu da belirtmek gerekir. Sigorta t\u00fcrlerine g\u00f6re s\u00fcrprim hesab\u0131nda dikkat edilen baz\u0131 unsurlar\u0131 inceleyelim. <\/p>\n\n\n\n
Konut sigortas\u0131: <\/strong> DASK ve di\u011fer konut sigortalar\u0131, evinizi olas\u0131 risklere kar\u015f\u0131 g\u00fcvence alt\u0131na alan sigortalard\u0131r. Bu sigortalar i\u00e7in s\u00fcrprim; binan\u0131n ya\u015f\u0131, kat say\u0131s\u0131, konutta yer alan e\u015fyalar\u0131n bedeli gibi detaylar dikkate al\u0131narak hesaplan\u0131r.<\/p>\n\n\n\nKasko sigortas\u0131: <\/strong>Arac\u0131n\u0131z\u0131 bir kaza ve ar\u0131za durumunda olu\u015fabilecek risklere kar\u015f\u0131 g\u00fcvence alt\u0131na alan kasko sigortas\u0131 i\u00e7in s\u00fcrprim, s\u00fcr\u00fcc\u00fcn\u00fcn kaza ge\u00e7mi\u015fine g\u00f6re belirlenir. S\u00fcrprim bedelini etkileyen bu durum, ayn\u0131 zamanda hasars\u0131zl\u0131k indirimi alman\u0131z\u0131 da sa\u011flayabilir. E\u011fer s\u00fcr\u00fcc\u00fcn\u00fcn kaza ge\u00e7mi\u015fi yoksa poli\u00e7e yenileme zaman\u0131nda hasars\u0131zl\u0131k indirimi<\/a> uygulan\u0131r. <\/p>\n\n\n\nSa\u011fl\u0131k sigortas\u0131:<\/strong> Sa\u011fl\u0131k sigortalar\u0131, s\u00fcrprim uygulamas\u0131n\u0131n s\u0131kl\u0131kla yap\u0131ld\u0131\u011f\u0131 sigorta t\u00fcrlerinden biridir. Bu alanda s\u00fcrprim bedelinin belirlenmesi i\u00e7in ki\u015finin hastal\u0131k ge\u00e7mi\u015fine, hangi teminatlardan daha s\u0131k yararland\u0131\u011f\u0131na ve genetik hastal\u0131k risklerine dikkat edilir. <\/p>\n\n\n\nHayat sigortas\u0131:<\/strong> Hayat sigortas\u0131nda da sa\u011fl\u0131k sigortas\u0131 ile benzer bir hesaplama y\u00f6ntemi bulunur. Ki\u015finin ya\u015f\u0131na ve teminatlara g\u00f6re belirlenen sigorta primine ek olarak ki\u015finin hastal\u0131k ge\u00e7mi\u015fi, genetik yatk\u0131nl\u0131klar gibi unsurlara g\u00f6re s\u00fcrprim belirlenir. Hayat sigortas\u0131nda s\u00fcrprim belirlemek i\u00e7in hastal\u0131klar \u00fczerinde yap\u0131lan istatistiki bilgilere ba\u015fvurulur. <\/p>\n\n\n\nK\u0131sacas\u0131 s\u00fcrprim hesab\u0131 i\u00e7in t\u00fcm sigorta t\u00fcrlerine uygun bir form\u00fcl bulunmuyor. Bu hesaplama, sigortan\u0131n t\u00fcr\u00fcne ve poli\u00e7e kapsam\u0131na g\u00f6re de\u011fi\u015fiklik g\u00f6steriyor. Konut, ara\u00e7, sa\u011fl\u0131k alanlar\u0131nda sizi ve sevdiklerinizi g\u00fcvence alt\u0131na alan MAPFRE Sigorta\u2019n\u0131n \u00fcr\u00fcnlerini incelemek ve \u015fartlar\u0131n\u0131 \u00f6\u011frenmek i\u00e7in acentelerimizle<\/a> ileti\u015fime ge\u00e7ebilirsiniz.<\/p>\n\n\n\nSigorta s\u00f6zle\u015fmesi yaparken di\u011fer \u00f6nemli bir konu olan sigorta bedeli hesaplama hakk\u0131nda detayl\u0131 bilgi almak ve bu hesapta kar\u015f\u0131la\u015f\u0131lan iki \u00f6nemli kavram\u0131 \u00f6\u011frenmek i\u00e7in de \u201cEksik Sigorta ve A\u015fk\u0131n Sigorta Nedir?<\/a>\u201d yaz\u0131m\u0131z\u0131 okuyabilirsiniz.<\/p>\n\n\n\nMAPFRE Sigorta<\/p>\n","protected":false},"excerpt":{"rendered":"
Sigortac\u0131l\u0131kta s\u0131kl\u0131kla kar\u015f\u0131la\u015f\u0131lan ve sigorta primini etkileyen s\u00fcrprim kavram\u0131n\u0131 \u00f6\u011frenmek i\u00e7in blog yaz\u0131m\u0131z\u0131 okuyabilirsiniz. <\/p>\n","protected":false},"author":3,"featured_media":8955,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,887],"tags":[899],"class_list":["post-8948","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\/8948","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=8948"}],"version-history":[{"count":4,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/8948\/revisions"}],"predecessor-version":[{"id":10121,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/8948\/revisions\/10121"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/8955"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=8948"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=8948"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=8948"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
<\/figure>\n\n\n\nSigorta t\u00fcrlerine g\u00f6re s\u00fcrprim oranlar\u0131n\u0131n de\u011fi\u015fmesinin temel sebebi, her sigortan\u0131n g\u00fcvence kapsam\u0131n\u0131n ve bu kapsama g\u00f6re risk unsurlar\u0131n\u0131n farkl\u0131l\u0131k g\u00f6stermesidir. Bu nedenle t\u0131pk\u0131 sigorta primi hesab\u0131ndaki gibi s\u00fcrprim hesab\u0131 yaparken de sigorta t\u00fcr\u00fcn\u00fc dikkate almak gerekir. B\u00f6ylelikle sigorta taraf\u0131ndan belirlenen s\u00fcrprimin hangi unsurlara dikkat edilerek hesapland\u0131\u011f\u0131n\u0131 anlamak daha kolay olur. Hasar adedi, ya\u015f, demografi gibi s\u00fcrprim hesaplamas\u0131n\u0131 etkileyen baz\u0131 temel unsurlar olsa da her firman\u0131n s\u00fcrprim hesaplamalar\u0131n\u0131n kendine \u00f6zg\u00fc oldu\u011funu da belirtmek gerekir. Sigorta t\u00fcrlerine g\u00f6re s\u00fcrprim hesab\u0131nda dikkat edilen baz\u0131 unsurlar\u0131 inceleyelim. <\/p>\n\n\n\n
Konut sigortas\u0131: <\/strong> DASK ve di\u011fer konut sigortalar\u0131, evinizi olas\u0131 risklere kar\u015f\u0131 g\u00fcvence alt\u0131na alan sigortalard\u0131r. Bu sigortalar i\u00e7in s\u00fcrprim; binan\u0131n ya\u015f\u0131, kat say\u0131s\u0131, konutta yer alan e\u015fyalar\u0131n bedeli gibi detaylar dikkate al\u0131narak hesaplan\u0131r.<\/p>\n\n\n\n Kasko sigortas\u0131: <\/strong>Arac\u0131n\u0131z\u0131 bir kaza ve ar\u0131za durumunda olu\u015fabilecek risklere kar\u015f\u0131 g\u00fcvence alt\u0131na alan kasko sigortas\u0131 i\u00e7in s\u00fcrprim, s\u00fcr\u00fcc\u00fcn\u00fcn kaza ge\u00e7mi\u015fine g\u00f6re belirlenir. S\u00fcrprim bedelini etkileyen bu durum, ayn\u0131 zamanda hasars\u0131zl\u0131k indirimi alman\u0131z\u0131 da sa\u011flayabilir. E\u011fer s\u00fcr\u00fcc\u00fcn\u00fcn kaza ge\u00e7mi\u015fi yoksa poli\u00e7e yenileme zaman\u0131nda hasars\u0131zl\u0131k indirimi<\/a> uygulan\u0131r. <\/p>\n\n\n\n Sa\u011fl\u0131k sigortas\u0131:<\/strong> Sa\u011fl\u0131k sigortalar\u0131, s\u00fcrprim uygulamas\u0131n\u0131n s\u0131kl\u0131kla yap\u0131ld\u0131\u011f\u0131 sigorta t\u00fcrlerinden biridir. Bu alanda s\u00fcrprim bedelinin belirlenmesi i\u00e7in ki\u015finin hastal\u0131k ge\u00e7mi\u015fine, hangi teminatlardan daha s\u0131k yararland\u0131\u011f\u0131na ve genetik hastal\u0131k risklerine dikkat edilir. <\/p>\n\n\n\n Hayat sigortas\u0131:<\/strong> Hayat sigortas\u0131nda da sa\u011fl\u0131k sigortas\u0131 ile benzer bir hesaplama y\u00f6ntemi bulunur. Ki\u015finin ya\u015f\u0131na ve teminatlara g\u00f6re belirlenen sigorta primine ek olarak ki\u015finin hastal\u0131k ge\u00e7mi\u015fi, genetik yatk\u0131nl\u0131klar gibi unsurlara g\u00f6re s\u00fcrprim belirlenir. Hayat sigortas\u0131nda s\u00fcrprim belirlemek i\u00e7in hastal\u0131klar \u00fczerinde yap\u0131lan istatistiki bilgilere ba\u015fvurulur. <\/p>\n\n\n\n K\u0131sacas\u0131 s\u00fcrprim hesab\u0131 i\u00e7in t\u00fcm sigorta t\u00fcrlerine uygun bir form\u00fcl bulunmuyor. Bu hesaplama, sigortan\u0131n t\u00fcr\u00fcne ve poli\u00e7e kapsam\u0131na g\u00f6re de\u011fi\u015fiklik g\u00f6steriyor. Konut, ara\u00e7, sa\u011fl\u0131k alanlar\u0131nda sizi ve sevdiklerinizi g\u00fcvence alt\u0131na alan MAPFRE Sigorta\u2019n\u0131n \u00fcr\u00fcnlerini incelemek ve \u015fartlar\u0131n\u0131 \u00f6\u011frenmek i\u00e7in acentelerimizle<\/a> ileti\u015fime ge\u00e7ebilirsiniz.<\/p>\n\n\n\n Sigorta s\u00f6zle\u015fmesi yaparken di\u011fer \u00f6nemli bir konu olan sigorta bedeli hesaplama hakk\u0131nda detayl\u0131 bilgi almak ve bu hesapta kar\u015f\u0131la\u015f\u0131lan iki \u00f6nemli kavram\u0131 \u00f6\u011frenmek i\u00e7in de \u201cEksik Sigorta ve A\u015fk\u0131n Sigorta Nedir?<\/a>\u201d yaz\u0131m\u0131z\u0131 okuyabilirsiniz.<\/p>\n\n\n\n MAPFRE Sigorta<\/p>\n","protected":false},"excerpt":{"rendered":" Sigortac\u0131l\u0131kta s\u0131kl\u0131kla kar\u015f\u0131la\u015f\u0131lan ve sigorta primini etkileyen s\u00fcrprim kavram\u0131n\u0131 \u00f6\u011frenmek i\u00e7in blog yaz\u0131m\u0131z\u0131 okuyabilirsiniz. <\/p>\n","protected":false},"author":3,"featured_media":8955,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,887],"tags":[899],"class_list":["post-8948","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\/8948","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=8948"}],"version-history":[{"count":4,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/8948\/revisions"}],"predecessor-version":[{"id":10121,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/8948\/revisions\/10121"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/8955"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=8948"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=8948"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=8948"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}