Son g\u00fcnlerde g\u00fcndemi me\u015fgul eden Enpara\u2019n\u0131n kasko kampanyas\u0131 ve buna gelen \u201chukuksuz risturn\u201d tepkileri\u2026<\/p>\n\n\n\n
Asl\u0131nda bu tart\u0131\u015fma yeni de\u011fil. Sadece buzda\u011f\u0131n\u0131n g\u00f6r\u00fcnen k\u0131sm\u0131.<\/p>\n\n\n\n
Sigorta sekt\u00f6r\u00fc uzun zamand\u0131r sessiz bir d\u00f6n\u00fc\u015f\u00fcm\u00fcn i\u00e7inde.<\/p>\n\n\n\n
Ama bu d\u00f6n\u00fc\u015f\u00fcm, kaliteyi art\u0131ran de\u011fil\u2026 mesle\u011fi s\u0131radanla\u015ft\u0131ran bir d\u00f6n\u00fc\u015f\u00fcm.<\/p>\n\n\n\n
Net konu\u015fay\u0131m:<\/p>\n\n\n\n
Sigortac\u0131l\u0131k yaln\u0131z b\u0131rak\u0131ld\u0131.<\/strong><\/p>\n\n\n\n Bir Meslekten, \u201cSat\u0131\u015f Kanal\u0131na\u201d D\u00f6n\u00fc\u015f\u00fcm<\/strong><\/p>\n\n\n\n Sigortac\u0131l\u0131k bir meslektir.<\/p>\n\n\n\n Bilgi ister, tecr\u00fcbe ister, sorumluluk ister.<\/p>\n\n\n\n Biz ne yap\u0131yoruz?<\/p>\n\n\n\n Sadece poli\u00e7e kesmiyoruz.<\/p>\n\n\n\n Bir hasar an\u0131nda, insanlar\u0131n mal\u0131n\u0131\u2026<\/p>\n\n\n\n Daha da \u00f6tesi, hayat sigortalar\u0131nda kendilerinden sonra geride kalanlar\u0131n gelece\u011fini koruyoruz.<\/p>\n\n\n\n Yani satt\u0131\u011f\u0131m\u0131z \u015fey bir \u201cka\u011f\u0131t par\u00e7as\u0131\u201d de\u011fil.<\/p>\n\n\n\n Bir g\u00fcven s\u00f6zle\u015fmesi.<\/strong><\/p>\n\n\n\n Ama bug\u00fcn gelinen noktada, bu meslek;<\/p>\n\n\n\n fiyat k\u0131ran, kampanya kovalayan, indirime zorlanan bir sat\u0131\u015f i\u015fine indirgenmi\u015f durumda.<\/p>\n\n\n\n Bug\u00fcn geldi\u011fimiz noktada m\u00fc\u015fteri \u015funu soruyor:<\/p>\n\n\n\n \u201cBu i\u015ften ne kadar kazan\u0131yorsun, bana ne kadar indirim yapars\u0131n?\u201d<\/p>\n\n\n\n Peki soruyorum:<\/p>\n\n\n\n Bir markete gidip beyaz peynir al\u0131rken,<\/p>\n\n\n\n \u201cBunun maliyeti bu, kar marj\u0131n bu, bana indirim yap\u201d diyebiliyor muyuz?<\/p>\n\n\n\n Ya da bir ma\u011fazada g\u00f6mlek al\u0131rken:<\/p>\n\n\n\n \u201cBu \u00fcr\u00fcn\u00fcn maliyeti belli, 200 TL a\u015fa\u011f\u0131 in\u201d diye pazarl\u0131k yap\u0131yor muyuz?<\/p>\n\n\n\n Hay\u0131r.<\/p>\n\n\n\n Ama konu sigorta olunca herkes maliyet uzman\u0131.<\/p>\n\n\n\n Herkes komisyon bilir hale gelmi\u015f.<\/p>\n\n\n\n \u00c7\u00fcnk\u00fc sekt\u00f6r buna izin verdi.<\/p>\n\n\n\n Hatta bir noktadan sonra bunu te\u015fvik etti.<\/p>\n\n\n\n Risturn, \u0130ade, Rekabet\u2026 Ama Ne Pahas\u0131na?<\/strong><\/p>\n\n\n\n Komisyon iadeleri\u2026<\/p>\n\n\n\n Prim iadeleri\u2026<\/p>\n\n\n\n \u201c%10 veririm, %15 bende\u201d yar\u0131\u015flar\u0131\u2026<\/p>\n\n\n\n Net s\u00f6yleyeyim:<\/p>\n\n\n\n Bu art\u0131k rekabet de\u011fil, de\u011fer erozyonudur.<\/strong><\/p>\n\n\n\n Y\u0131llard\u0131r kanayan bir yara bu.<\/p>\n\n\n\n Ve kabul edelim, pansuman tutmad\u0131.<\/p>\n\n\n\n Bug\u00fcn geldi\u011fimiz noktada sadece fiyat konu\u015fuluyor.<\/p>\n\n\n\n Ne teminat, ne kapsam, ne g\u00fcven\u2026<\/p>\n\n\n\n Sadece \u201cka\u00e7 liraya olur?\u201d<\/p>\n\n\n\n Sigortac\u0131l\u0131k, g\u00fcven i\u015fidir.<\/p>\n\n\n\n Ama g\u00fcvenin oldu\u011fu yerde de\u011fer olur.<\/p>\n\n\n\n Bug\u00fcn ise de\u011fer, fiyat\u0131n alt\u0131nda eziliyor.<\/p>\n\n\n\n Meslek eti\u011fi\u2026<\/p>\n\n\n\n Hi\u00e7 bu kadar ayaklar alt\u0131na al\u0131nmam\u0131\u015ft\u0131.<\/p>\n\n\n\n Bu i\u015fin bir onuru var.<\/p>\n\n\n\n Bir eme\u011fi var.<\/p>\n\n\n\n Bir sorumlulu\u011fu var.<\/p>\n\n\n\n Ama biz o eme\u011fi, \u00fc\u00e7 kuru\u015fluk indirimle de\u011fersizle\u015ftiriyoruz.<\/p>\n\n\n\n Sigorta, bir maliyet kalemi de\u011fildir.<\/p>\n\n\n\n Sigorta, k\u00f6t\u00fc g\u00fcn geldi\u011finde hayat\u0131 yeniden kurma g\u00fcc\u00fcd\u00fcr.<\/p>\n\n\n\n Net konu\u015fay\u0131m:<\/p>\n\n\n\n Bu sekt\u00f6r ya kendine \u00e7eki d\u00fczen verecek\u2026<\/p>\n\n\n\n Ya da kendi de\u011ferini kendisi yok etmeye devam edecek.<\/p>\n\n\n\n Sigortac\u0131l\u0131k bir \u201cindirim yar\u0131\u015f\u0131\u201d de\u011fildir.<\/p>\n\n\n\n Sigortac\u0131l\u0131k, insanlar\u0131n en zor an\u0131nda yan\u0131nda olma mesle\u011fidir.<\/p>\n\n\n\n Ve bu meslek\u2026<\/p>\n\n\n\n Bu kadar ucuz olmamal\u0131.<\/p>\n\n\n\n Sevgiyle kal\u0131n. <\/p>\n\n\n\n <\/p>\n","protected":false},"excerpt":{"rendered":" Son g\u00fcnlerde g\u00fcndemi me\u015fgul eden Enpara\u2019n\u0131n kasko kampanyas\u0131 ve buna gelen \u201chukuksuz risturn\u201d tepkileri\u2026 Asl\u0131nda bu tart\u0131\u015fma yeni de\u011fil. Sadece…<\/p>\n","protected":false},"author":1,"featured_media":2477,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11,9],"tags":[],"class_list":["post-2476","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ozgun-yazilar","category-sigorta-sektoru"],"_links":{"self":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts\/2476","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/comments?post=2476"}],"version-history":[{"count":1,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts\/2476\/revisions"}],"predecessor-version":[{"id":2478,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts\/2476\/revisions\/2478"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/media\/2477"}],"wp:attachment":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/media?parent=2476"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/categories?post=2476"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/tags?post=2476"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}