{"id":2636,"date":"2026-08-20T07:36:45","date_gmt":"2026-08-20T07:36:45","guid":{"rendered":"https:\/\/www.kayaismail.com\/?p=2636"},"modified":"2026-08-20T07:36:45","modified_gmt":"2026-08-20T07:36:45","slug":"turk-sigorta-sektoru-temmuz-2026-verileri-buyume-var-ama-reel-irtifa-kaybi-devam-ediyor-mu","status":"publish","type":"post","link":"https:\/\/www.kayaismail.com\/index.php\/2026\/08\/20\/turk-sigorta-sektoru-temmuz-2026-verileri-buyume-var-ama-reel-irtifa-kaybi-devam-ediyor-mu\/","title":{"rendered":"T\u00fcrk Sigorta Sekt\u00f6r\u00fc Temmuz 2026 Verileri: B\u00fcy\u00fcme Var Ama Reel \u0130rtifa Kayb\u0131 Devam Ediyor mu?"},"content":{"rendered":"\n<p>Sekt\u00f6r\u00fcn de\u011ferli takip\u00e7ileri ve okuyucular\u0131m, merhaba!<\/p>\n\n\n\n<p>Her ay oldu\u011fu gibi bu ay da T\u00fcrk Sigorta Sekt\u00f6r\u00fc&#8217;n\u00fcn en g\u00fcncel rakamlar\u0131n\u0131 sizler i\u00e7in masaya yat\u0131r\u0131yorum. T\u00fcrkiye Sigorta Birli\u011fi (TSB) taraf\u0131ndan a\u00e7\u0131klanan\u00a0<strong>01.01.2026 \u2013 31.07.2026<\/strong>\u00a0d\u00f6nemine ait \u00fcretim verileri payla\u015f\u0131ld\u0131.<\/p>\n\n\n\n<p>\u0130lk bak\u0131\u015fta milyarlarca liral\u0131k devasa rakamlar ve %28\u2019i a\u015fan prim art\u0131\u015flar\u0131 g\u00f6ze \u00e7arpsa da, i\u015fin i\u00e7ine&nbsp;<strong>enflasyon\/reel de\u011fi\u015fim<\/strong>&nbsp;parametresi girdi\u011finde foto\u011fraf\u0131n rengi biraz de\u011fi\u015fiyor.<\/p>\n\n\n\n<p>Gelin, okuyucuyu rakamlara bo\u011fmadan, ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine (2025-07) k\u0131yasla sekt\u00f6r\u00fcn ne durumda oldu\u011funa bran\u015f ve \u015firket baz\u0131nda g\u00f6z atal\u0131m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Genel Resim: Nominal %28,4 B\u00fcy\u00fcme, Reel %2,5 K\u00fc\u00e7\u00fclme<\/h3>\n\n\n\n<p>2026 y\u0131l\u0131n\u0131n ilk 7 ay\u0131nda T\u00fcrk sigorta sekt\u00f6r\u00fc toplamda&nbsp;<strong>859,2 Milyar TL<\/strong>&nbsp;prim \u00fcretimine ula\u015ft\u0131. 2025\u2019in ayn\u0131 d\u00f6neminde bu rakam 669 Milyar TL seviyesindeydi.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Nominal De\u011fi\u015fim:<\/strong>\u00a0%28,4 art\u0131\u015f<\/li>\n\n\n\n<li><strong>Reel De\u011fi\u015fim:<\/strong>\u00a0<strong>-%2,5 daralma<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Yani sekt\u00f6r cirosunu TL baz\u0131nda art\u0131rsa da enflasyondan ar\u0131nd\u0131r\u0131lm\u0131\u015f reel bazda hafif bir irtifa kayb\u0131 ya\u015f\u0131yor.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Hayat D\u0131\u015f\u0131 Toplam:<\/strong>\u00a0723,8 Milyar TL \u00fcretim ile sekt\u00f6r\u00fcn %84,2\u2019sini olu\u015fturuyor (Reel de\u011fi\u015fim:\u00a0<strong>-%4,6<\/strong>).<\/li>\n\n\n\n<li><strong>Hayat Sigortalar\u0131:<\/strong>\u00a0135,4 Milyar TL ile %15,8 paya sahip ve\u00a0<strong>reel %10,4 b\u00fcy\u00fcme<\/strong>\u00a0ile sekt\u00f6r\u00fcn y\u00fcz\u00fcn\u00fc g\u00fcld\u00fcren ana motor konumunda.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. Bran\u015flar Baz\u0131nda \u00d6ne \u00c7\u0131kanlar: Sa\u011fl\u0131k \u0130tiyor, Motor S\u00fcrklase Oluyor<\/h3>\n\n\n\n<p>Bran\u015flar d\u00fczeyine indi\u011fimizde sekt\u00f6rdeki ayr\u0131\u015fmay\u0131 \u00e7ok net g\u00f6r\u00fcyoruz:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udfe2 Y\u00fckselen Y\u0131ld\u0131z: Hastal\u0131k &#8211; Sa\u011fl\u0131k<\/h4>\n\n\n\n<p>Sekt\u00f6r\u00fcn en g\u00fc\u00e7l\u00fc reel b\u00fcy\u00fcme g\u00f6steren bran\u015f\u0131&nbsp;<strong>Sa\u011fl\u0131k<\/strong>&nbsp;oldu.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u00dcretim:<\/strong>\u00a0161,6 Milyar TL (Pazar Pay\u0131: %22,33)<\/li>\n\n\n\n<li><strong>De\u011fi\u015fim:<\/strong>\u00a0Nominal %35,42 |\u00a0<strong>Reel %2,79 B\u00fcy\u00fcme<\/strong><\/li>\n\n\n\n<li>Sa\u011fl\u0131k sigortalar\u0131na olan bireysel ve kurumsal talep art\u0131\u015f\u0131, prim art\u0131\u015flar\u0131yla birle\u015fti\u011finde reel b\u00fcy\u00fcmesini koruyan nadir bran\u015flardan biri olmas\u0131n\u0131 sa\u011flad\u0131.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udd34 Motor Bran\u015flar\u0131nda Reel Gerileme (Kasko ve Trafik)<\/h4>\n\n\n\n<p>Ara\u00e7 sigortalar\u0131 toplam pazar\u0131n yakla\u015f\u0131k %39\u2019unu olu\u015ftursa da reel tarafta kan kaybediyor:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kasko:<\/strong>\u00a096,6 Milyar TL \u00fcretim ile nominal %24,12 b\u00fcy\u00fcse de\u00a0<strong>reel bazda -%5,79 geriledi<\/strong>.<\/li>\n\n\n\n<li><strong>Trafik (Kara Ara\u00e7lar\u0131 Sorumluluk):<\/strong>\u00a0184,5 Milyar TL \u00fcretim sa\u011fland\u0131. Nominal %32,70 art\u0131\u015f ya\u015fansa da\u00a0<strong>reel de\u011fi\u015fim yaln\u0131zca %0,72<\/strong>\u00a0seviyesinde (neredeyse ba\u015faba\u015f).<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udfe0 Yang\u0131n ve Do\u011fal Afetler<\/h4>\n\n\n\n<p>113,4 Milyar TL \u00fcretim ve %15,68 pazar pay\u0131 ile sekt\u00f6r\u00fcn 3. b\u00fcy\u00fck bran\u015f\u0131 konumunda olan Yang\u0131n ve Do\u011fal Afetler bran\u015f\u0131, nominal %23,31 art\u0131\u015fa ra\u011fmen&nbsp;<strong>reel %6,41 k\u00fc\u00e7\u00fcld\u00fc<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. \u015eirketler Ligi: Zirvede Kimler Var?<\/h3>\n\n\n\n<p>Pazar genelinde ve segmentlerde ilk 10 ve ilk 20 \u015firket aras\u0131ndaki rekabet k\u0131z\u0131\u015fm\u0131\u015f durumda.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Genel Toplam (Hayat + Hayat D\u0131\u015f\u0131)<\/h4>\n\n\n\n<p>Sekt\u00f6r genelinde toplam pazar pay\u0131n\u0131n&nbsp;<strong>%56,63&#8217;\u00fcn\u00fc ilk 10 \u015firket<\/strong>&nbsp;elinde tutuyor.<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>T\u00fcrkiye Sigorta A.\u015e.:<\/strong>\u00a0107,1 Milyar TL (%12,47 Pazar Pay\u0131) \u2014 Liderli\u011fini s\u00fcrd\u00fcr\u00fcyor.<\/li>\n\n\n\n<li><strong>Allianz Sigorta A.\u015e.:<\/strong>\u00a086,5 Milyar TL (%10,07 Pazar Pay\u0131) \u2014 Reel %5,82 b\u00fcy\u00fcme ile zirve takibinde.<\/li>\n\n\n\n<li><strong>Anadolu Sigorta:<\/strong>\u00a062,5 Milyar TL (%7,27 Pazar Pay\u0131)<\/li>\n\n\n\n<li><strong>Axa Sigorta:<\/strong>\u00a062,1 Milyar TL (%7,23 Pazar Pay\u0131)<\/li>\n\n\n\n<li><strong>Sompo Sigorta:<\/strong>\u00a034,3 Milyar TL (%4,00 Pazar Pay\u0131)<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Dikkat \u00c7eken De\u011fi\u015fimler:<\/strong>&nbsp;\u0130lk 10 i\u00e7erisinde&nbsp;<strong>Bupa Ac\u0131badem (%44,09 nominal \/ %9,37 reel)<\/strong>&nbsp;ve&nbsp;<strong>Aksigorta (%43,12 nominal \/ %8,63 reel)<\/strong>&nbsp;reel b\u00fcy\u00fcme performanslar\u0131yla \u00f6ne \u00e7\u0131kan \u015firketler oldu. \u0130lk 20&#8217;de ise&nbsp;<strong>Zurich Sigorta (%69,92 nominal \/ %28,97 reel)<\/strong>&nbsp;dikkat \u00e7ekici bir \u00e7\u0131k\u0131\u015f yakalad\u0131.<\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\">Hayat Sigortalar\u0131 Ligi<\/h4>\n\n\n\n<p>Hayat taraf\u0131nda tam bir konsolidasyon hakim;&nbsp;<strong>ilk 10 \u015firket pazar\u0131n %94,58\u2019ini<\/strong>&nbsp;olu\u015fturuyor.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>T\u00fcrkiye Hayat ve Emeklilik:<\/strong>\u00a023,3 Milyar TL (%17,25 Pazar Pay\u0131) ile lider (Reel %15,33 b\u00fcy\u00fcme).<\/li>\n\n\n\n<li><strong>AgeSA Hayat ve Emeklilik:<\/strong>\u00a018,1 Milyar TL (%13,43 Pazar Pay\u0131) ikinci s\u0131rada.<\/li>\n\n\n\n<li><strong>Viennalife:<\/strong>\u00a015,2 Milyar TL (%11,30 Pazar Pay\u0131) ile \u00fc\u00e7\u00fcnc\u00fc.<\/li>\n\n\n\n<li><strong>Allianz Ya\u015fam ve Emeklilik:<\/strong>\u00a0Nominal %59,06,\u00a0<strong>reel %20,73 b\u00fcy\u00fcme<\/strong>\u00a0ile performans\u0131n\u0131 en \u00e7ok art\u0131ran devlerden biri oldu.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u00d6zetle: Blog Okurlar\u0131m \u0130\u00e7in 3 K\u0131sa \u00c7\u0131kar\u0131m<\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Reel B\u00fcy\u00fcme Zorla\u015f\u0131yor:<\/strong>\u00a0Sekt\u00f6r nominal olarak b\u00fcy\u00fcyor gibi g\u00f6r\u00fcnse de enflasyon kar\u015f\u0131s\u0131nda reel olarak %2,5 daralm\u0131\u015f durumda.<\/li>\n\n\n\n<li><strong>Sa\u011fl\u0131k ve Hayat Lokomotif:<\/strong>\u00a0T\u00fcketiciler ve kurumlar sa\u011fl\u0131k ve hayat g\u00fcvencelerinden vazge\u00e7miyor; bu iki alan sekt\u00f6r\u00fc s\u0131rtlamaya devam ediyor.<\/li>\n\n\n\n<li><strong>Otomotiv\/Motor Taraf\u0131nda Doygunluk:<\/strong>\u00a0Kasko ve Trafik taraf\u0131nda adet ve prim art\u0131\u015flar\u0131n\u0131n h\u0131z\u0131 enflasyonun gerisinde kalmaya ba\u015flad\u0131.<\/li>\n<\/ol>\n\n\n\n<p>Sizce y\u0131l\u0131n kalan 5 ay\u0131nda motor bran\u015f\u0131 durumu toparlayabilir mi? Yoksa sa\u011fl\u0131k ve hayat bran\u015flar\u0131 aray\u0131 daha da a\u00e7acak m\u0131? Yorumlar\u0131n\u0131z\u0131 bekliyorum!<\/p>\n\n\n\n<p><em>Veri Kayna\u011f\u0131: TSB 2026-07 D\u00f6nemi \u015eirketlerin Pazar Pay\u0131 ve Toplam Prim De\u011fi\u015fim \u0130statistikleri.<\/em><\/p>\n\n\n\n<p>Sevgiyle kal\u0131n.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sekt\u00f6r\u00fcn de\u011ferli takip\u00e7ileri ve okuyucular\u0131m, merhaba! Her ay oldu\u011fu gibi bu ay da T\u00fcrk Sigorta Sekt\u00f6r\u00fc&#8217;n\u00fcn en g\u00fcncel rakamlar\u0131n\u0131 sizler&hellip;<\/p>\n","protected":false},"author":1,"featured_media":2637,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-2636","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sigorta-sektoru"],"_links":{"self":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts\/2636","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=2636"}],"version-history":[{"count":1,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts\/2636\/revisions"}],"predecessor-version":[{"id":2638,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts\/2636\/revisions\/2638"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/media\/2637"}],"wp:attachment":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/media?parent=2636"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/categories?post=2636"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/tags?post=2636"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}