Publication: TÜRKİYE’DE SİGORTA HİLELERİNİN SEYRİ
Abstract
Sigorta hilesi, hangi tür olursa olsun, güvenceye konu edilen beklenmeyenrisklerin gerçekleşmesi ve yarattığı gerçek tahribatı ortadan kaldırmak veya asgaridüzeye indirmek üzere kurulan sigorta sisteminin temeline yerleştirilmiş birdinamite benzetilebilir. Sigorta hileleri nedeniyle, temeli zarar gören sigorta sistemikarşısında, sigortalayanlar ve sigortalananlar mağdur olmaktadır. Sigorta hilelerininkapsamının organize suç zincirlerine kadar uzanabildiği görülmektedir. Bu yönüyle,yasalara aykırı faaliyetleri finanse etme boyutuna varabilen sigorta hileleriningenel olarak toplumun tamamı üzerinde olumsuz etki gösterdiği söylenebilir (TheEuropean Insurance and Reinsurance Federation, 2019). Çalışmanın amacı; Türksigorta sektöründe karşılaşılan hileler hakkında bilgi sunmak ve Türk sigortasektöründeki hilelerin seyrini değerlendirmektir. Çalışmada araştırma yöntemiolarak literatür ve istatistik verilerinin taraması yöntemi benimsenmiş olup, eldeedilen veriler birbirleri ile ilişkilendirilerek yorumlanmıştır. Çalışmanın önemi,Türkiye’de sigorta hilelerinin seyri konusunda farkındalığı artırarak, sigorta hileleriile mücadelenin etkinliğinin artırılmasına katkı sunmaktır.
Insurance fraud of any type is like dynamite placed on the basis of the insurance system arisen to eliminate or minimize the actual damage caused by the unexpected risks that are covered. Insurers and those who are insured are the victims of the insurance system whose basis is damaged due to insurance frauds. It is seen that the scope of insurance fraud can be extended to organized crime chains. In this respect, it can be said that insurance fraud, which can reach the dimension of financing illegal activities, has a negative impact on the whole society in general (The European Insurance and Reinsurance Federation, 2019). Purpose of the study; is to provide information about the frauds encountered in the Turkish insurance sector and to evaluate the course of frauds in the Turkish insurance sector. In the study, literature and statistical data search method was adopted as the research method and the data obtained were interpreted in relation to each other. The importance of the study, increasing awareness of insurance fraud in the course of Turkey, is to contribute to enhancing the effectiveness of the combat with insurance frauds.
Insurance fraud of any type is like dynamite placed on the basis of the insurance system arisen to eliminate or minimize the actual damage caused by the unexpected risks that are covered. Insurers and those who are insured are the victims of the insurance system whose basis is damaged due to insurance frauds. It is seen that the scope of insurance fraud can be extended to organized crime chains. In this respect, it can be said that insurance fraud, which can reach the dimension of financing illegal activities, has a negative impact on the whole society in general (The European Insurance and Reinsurance Federation, 2019). Purpose of the study; is to provide information about the frauds encountered in the Turkish insurance sector and to evaluate the course of frauds in the Turkish insurance sector. In the study, literature and statistical data search method was adopted as the research method and the data obtained were interpreted in relation to each other. The importance of the study, increasing awareness of insurance fraud in the course of Turkey, is to contribute to enhancing the effectiveness of the combat with insurance frauds.