Publication: Sigorta talebi ve enflasyonun sigorta alım talebi üzerine etkisi : bir uygulama
Abstract
Çalışmamızda Türkiye’de enflasyon oranlarının bireylerin sigorta alım talebi üzerindeki etkisi incelenmiştir. Enflasyon, ekonomik belirsizlik yaratarak kurum ve bireylerin finansal karar alma süreçlerini etkiler. Bu çerçevede, artan enflasyonun kurum ve bireylerin riskten korunma amacıyla sigorta ürünlerine yöneltip yöneltmediği araştırılmıştır. Çalışmanın kuramsal bölümünde, enflasyon ve sigorta talebi kavramları literatür doğrultusunda ele alınmış; enflasyonun tasarruf, yatırım ve risk yönetimi gibi ekonomik davranışlar üzerindeki etkileri incelenmiştir. Ayrıca sigorta talebini etkileyen faktörler değerlendirilmiş, enflasyonun bu faktörlerle olan ilişkisi tartışılmıştır. Uygulama kısmında, 2013–2024 yılları arasındaki Tüketici Fiyat Endeksi (TÜFE) oranları ile aynı döneme ait sigorta poliçe satış adetleri karşılaştırılmıştır. SPSS yapılan korelasyon ve regresyon analizleri sonucunda, enflasyon oranı ile poliçe adedi arasında anlamlı ve pozitif yönlü bir ilişki olduğu tespit edilmiştir. Bu bulgu, ekonomik belirsizlik dönemlerinde sigorta ürünlerine olan ilginin arttığını göstermektedir. Çalışma sonucunda, sigorta şirketlerinin fiyatlama, pazarlama ve ürün stratejilerini ekonomik dalgalanmalara göre uyarlamaları gerektiği önerilmiştir. Ayrıca, enflasyonun sektöre etkisinin daha iyi analiz edilebilmesi için farklı sigorta branşlarında ve daha uzun dönemli verilerle yapılacak yeni araştırmalara ihtiyaç duyulmaktadır.
This study examines the impact of inflation rates on individuals' demand for insurance purchases in Turkey. Inflation creates economic uncertainty and affects company individuals’ financial decision-making processes. Within this framework, the study investigates whether rising inflation leads company and individuals to turn to insurance products as a means of risk protection. In the theoretical section, the concepts of inflation and insurance demand are addressed in line with the relevant literature. The effects of inflation on economic behaviors such as saving, investment, and risk management are analyzed. Moreover, factors influencing insurance demand are evaluated, and the relationship between inflation and these factors is discussed. In the empirical section, Consumer Price Index (CPI) rates between 2013 and 2024 are compared with the number of insurance policy sales within the same period. Based on correlation and regression analyses conducted using the SPSS software, a significant and positive relationship was found between the inflation rate and the number of insurance policies. This finding indicates that interest in insurance products increases during periods of economic uncertainty. As a result, it is recommended that insurance companies adapt their pricing, marketing, and product strategies according to economic fluctuations. Furthermore, it is emphasized that further research is needed in different insurance branches and with longer-term data to better analyze the effects of inflation on the sector.
This study examines the impact of inflation rates on individuals' demand for insurance purchases in Turkey. Inflation creates economic uncertainty and affects company individuals’ financial decision-making processes. Within this framework, the study investigates whether rising inflation leads company and individuals to turn to insurance products as a means of risk protection. In the theoretical section, the concepts of inflation and insurance demand are addressed in line with the relevant literature. The effects of inflation on economic behaviors such as saving, investment, and risk management are analyzed. Moreover, factors influencing insurance demand are evaluated, and the relationship between inflation and these factors is discussed. In the empirical section, Consumer Price Index (CPI) rates between 2013 and 2024 are compared with the number of insurance policy sales within the same period. Based on correlation and regression analyses conducted using the SPSS software, a significant and positive relationship was found between the inflation rate and the number of insurance policies. This finding indicates that interest in insurance products increases during periods of economic uncertainty. As a result, it is recommended that insurance companies adapt their pricing, marketing, and product strategies according to economic fluctuations. Furthermore, it is emphasized that further research is needed in different insurance branches and with longer-term data to better analyze the effects of inflation on the sector.