{"id":2838,"date":"2026-04-04T13:37:42","date_gmt":"2026-04-04T13:37:42","guid":{"rendered":"https:\/\/bcdturkey.com.tr\/?page_id=2838"},"modified":"2026-04-04T13:38:01","modified_gmt":"2026-04-04T13:38:01","slug":"sigorta","status":"publish","type":"page","link":"https:\/\/bcdturkey.com.tr\/en\/sigorta\/","title":{"rendered":"Insurance"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2838\" class=\"elementor elementor-2838\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-933d1d4 e-flex e-con-boxed e-con e-parent\" data-id=\"933d1d4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-909b1a2 elementor-widget elementor-widget-html\" data-id=\"909b1a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"bcd-sigorta-wrapper\">\n  <h2 class=\"bcd-main-title\">Insurance<\/h2>\n\n  <div class=\"bcd-tabs-layout\">\n    <div class=\"bcd-tabs-menu\">\n\n      <button class=\"bcd-tab-btn active\" data-tab=\"garanti-ve-teminatlar\">\n        <span class=\"bcd-tab-icon\">\n          <svg viewbox=\"0 0 24 24\" fill=\"none\">\n            <path d=\"M12 3l7 3v5c0 4.5-2.7 7.8-7 10-4.3-2.2-7-5.5-7-10V6l7-3z\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M9 12l2 2 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n          <\/svg>\n        <\/span>\n        <span>Garanti ve Teminatlar<\/span>\n      <\/button>\n\n      <button class=\"bcd-tab-btn\" data-tab=\"risk-kapsam\">\n        <span class=\"bcd-tab-icon\">\n          <svg viewbox=\"0 0 24 24\" fill=\"none\">\n            <path d=\"M12 4l8 14H4L12 4z\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M12 9v4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"\/>\n            <circle cx=\"12\" cy=\"16\" r=\"0.8\" fill=\"currentColor\"\/>\n          <\/svg>\n        <\/span>\n        <span>Risk Kapsam<\/span>\n      <\/button>\n\n      <button class=\"bcd-tab-btn\" data-tab=\"muafiyetler\">\n        <span class=\"bcd-tab-icon\">\n          <svg viewbox=\"0 0 24 24\" fill=\"none\">\n            <circle cx=\"12\" cy=\"12\" r=\"8.5\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M8 12h8\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"\/>\n          <\/svg>\n        <\/span>\n        <span>Muafiyetler<\/span>\n      <\/button>\n\n      <button class=\"bcd-tab-btn\" data-tab=\"mutabakatli-deger\">\n        <span class=\"bcd-tab-icon\">\n          <svg viewbox=\"0 0 24 24\" fill=\"none\">\n            <path d=\"M6 4.5h8l4 4V19.5H6z\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M14 4.5v4h4\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M9 13h6\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"\/>\n          <\/svg>\n        <\/span>\n        <span>Mutabakatl\u0131 De\u011fer<\/span>\n      <\/button>\n\n      <button class=\"bcd-tab-btn\" data-tab=\"risk-prim-carpan\">\n        <span class=\"bcd-tab-icon\">\n          <svg viewbox=\"0 0 24 24\" fill=\"none\">\n            <path d=\"M5 18V10\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M10 18V6\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M15 18v-4\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M20 18V8\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M3 18h18\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n          <\/svg>\n        <\/span>\n        <span>Risk\/Prim \u00c7arpan<\/span>\n      <\/button>\n\n      <button class=\"bcd-tab-btn\" data-tab=\"rekabetci-avantajlar\">\n        <span class=\"bcd-tab-icon\">\n          <svg viewbox=\"0 0 24 24\" fill=\"none\">\n            <path d=\"M7 16l3-3 2 2 5-5\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n            <path d=\"M5 19h14\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"\/>\n          <\/svg>\n        <\/span>\n        <span>Rekabet\u00e7i Avantajlar<\/span>\n      <\/button>\n\n      <button class=\"bcd-tab-btn\" data-tab=\"reassurance-co-reassurance\">\n        <span class=\"bcd-tab-icon\">\n          <svg viewbox=\"0 0 24 24\" fill=\"none\">\n            <circle cx=\"8\" cy=\"12\" r=\"4.5\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <circle cx=\"16\" cy=\"12\" r=\"4.5\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n          <\/svg>\n        <\/span>\n        <span>Reassurance &amp; Co-reassurance<\/span>\n      <\/button>\n\n      <button class=\"bcd-tab-btn\" data-tab=\"vade-yonetimi\">\n        <span class=\"bcd-tab-icon\">\n          <svg viewbox=\"0 0 24 24\" fill=\"none\">\n            <circle cx=\"12\" cy=\"12\" r=\"8.5\" stroke=\"currentColor\" stroke-width=\"1.8\"\/>\n            <path d=\"M12 7.5v5l3 2\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\"\/>\n          <\/svg>\n        <\/span>\n        <span>Vade Y\u00f6netimi<\/span>\n      <\/button>\n\n    <\/div>\n\n    <div class=\"bcd-tabs-content\">\n\n      <div class=\"bcd-tab-panel active\" id=\"garanti-ve-teminatlar\">\n        <h3>Garanti ve Teminatlar<\/h3>\n        <p>BCD, KOB\u0130 firmalar\u0131n sigorta poli\u00e7elerinin do\u011fru kapsamda garanti ve teminat alt\u0131na al\u0131n\u0131p al\u0131nmad\u0131\u011f\u0131n\u0131 ile a\u015fk\u0131n ve eksik sigorta durumunu kontol eder, \u00f6nerilerde bulunur.<\/p>\n      <\/div>\n\n      <div class=\"bcd-tab-panel\" id=\"risk-kapsam\">\n        <h3>Risk Kapsam<\/h3>\n        <p>BCD, KOB\u0130 firmalar\u0131n garanti ve teminat alt\u0131na al\u0131mas\u0131 gereken risk kapsam haritas\u0131n\u0131 \u00e7\u0131kar\u0131r . Eksik teminat alt\u0131na al\u0131nmam\u0131\u015f olas\u0131 risklerin meydana gelmesi durumunda firman\u0131n sermaye kayb\u0131n\u0131 engelleyecek yakla\u015f\u0131m ve \u00f6nerileri \u015fiddetle ortaya koyar ve \u00f6nerir.<\/p>\n      <\/div>\n\n      <div class=\"bcd-tab-panel\" id=\"muafiyetler\">\n        <h3>Muafiyetler<\/h3>\n        <p>BCD, KOB\u0130 firmalar\u0131n sigorta poli\u00e7elerinin muafiyet detay\u0131n\u0131 inceler , daha uygun fiyat yakla\u015f\u0131mlar\u0131 ile eksik kapsamda risk y\u00f6netimi olmamas\u0131n\u0131 sa\u011flar, durumu tespit edip \u00f6neriler getirir.<\/p>\n      <\/div>\n\n      <div class=\"bcd-tab-panel\" id=\"mutabakatli-deger\">\n        <h3>Mutabakatl\u0131 De\u011fer<\/h3>\n        <p>BCD, KOB\u0130 firmalar\u0131n \u00f6nemli b\u00fcy\u00fck yat\u0131r\u0131m sigortalar\u0131n\u0131n poli\u00e7elerinde  olas\u0131 hasar durumunda, sigorta \u015firketi ile olas\u0131 anla\u015fmazl\u0131k, hasar \u00f6dememe ve mahkeme cihetine gidilmesi durumunda firman\u0131n zaman - sermaye kayb\u0131, i\u015finin durmas\u0131, iflas riskini en ba\u015ftan gidermeye y\u00f6nelik mutabakatl\u0131 de\u011fer sigortas\u0131 y\u00f6nlendirmesi yapar.<\/p>\n      <\/div>\n\n      <div class=\"bcd-tab-panel\" id=\"risk-prim-carpan\">\n        <h3>Risk\/Prim \u00c7arpan<\/h3>\n        <p>BCD, KOB\u0130 firmalar\u0131n sigorta poli\u00e7elerinde yer alan teminatlar\u0131n fiyatlama \u00e7arpanlar\u0131n\u0131n piyasa rekabeti i\u00e7erisinde olup olmad\u0131\u011f\u0131 irdeler.<\/p>\n      <\/div>\n\n      <div class=\"bcd-tab-panel\" id=\"rekabetci-avantajlar\">\n        <h3>Rekabet\u00e7i Avantajlar<\/h3>\n        <p>BCD, KOB\u0130 firmalar\u0131n sigorta poli\u00e7elerinde hasars\u0131zl\u0131\u011f\u0131 etkilemeyen, muafiyet i\u00e7ermeyen ve assistance hizmet avantajlar\u0131n\u0131 ile \u00f6deme ko\u015fullar\u0131n\u0131 sigorta \u015firket rekabet analizi i\u00e7inde de\u011ferlendirir, y\u00f6nlendirme ve \u00f6nerilerde bulunur.<\/p>\n      <\/div>\n\n      <div class=\"bcd-tab-panel\" id=\"reassurance-co-reassurance\">\n        <h3>Reassurance &amp; Co-reassurance<\/h3>\n        <p>BCD, KOB\u0130 firmalar\u0131n sigorta poli\u00e7elerinin konservasyon i\u00e7erip i\u00e7ermedi\u011fi ve y\u00fcksek risk y\u00fcksek teminat gereken durumlarda co-reas\u00fcrans gereksinimi de\u011ferlendirmesi yapar ve \u00f6neriler getirir .<\/p>\n      <\/div>\n\n      <div class=\"bcd-tab-panel\" id=\"vade-yonetimi\">\n        <h3>Vade Y\u00f6netimi<\/h3>\n        <p>BCD, KOB\u0130 firmalar\u0131n farkl\u0131 konularda ve farkl\u0131 ba\u015flang\u0131\u00e7 \u2013 biti\u015f tarihlerine sahip \u00e7ok say\u0131da sigorta poli\u00e7elerinin operasyonel verimlilik ve y\u00f6netsel kalite anlam\u0131nda hepsinin ayn\u0131 vadeye toplanmas\u0131na y\u00f6nelik planlama ve \u00e7al\u0131\u015fma yapar ve bir y\u0131ll\u0131k ortalama d\u00f6nemde bunu sa\u011flar. \u00d6rne\u011fin 10 farkl\u0131 poli\u00e7enin 9\u2019ar taksit \u00f6deme plan\u0131 ile \u00f6detilmesi 10 kere vade takibi, 10 ayr\u0131 teklif toplama ve toplamda 90 adet \u00f6deme nakit ak\u0131\u015f\u0131 planlamas\u0131 gerekirken bunlar\u0131n adetlerini optimize ederek azalt\u0131r, verimlilik sa\u011flar. Toplu poli\u00e7enin bir avantaj\u0131da KOB\u0130 nin pazarl\u0131k g\u00fcc\u00fcn\u00fcn artmas\u0131 sa\u011flan\u0131r.<\/p>\n        <p>(dask ve trafik hari\u00e7 )<\/p>\n      <\/div>\n\n    <\/div>\n  <\/div>\n<\/div>\n\n<style>\n  .bcd-sigorta-wrapper {\n    width: 100%;\n    font-family: Arial, Helvetica, sans-serif;\n    color: #666;\n  }\n\n  .bcd-main-title {\n    font-size: 17px;\n    font-weight: 600;\n    color: #5f5f5f;\n    margin: 0 0 22px;\n    line-height: 1.3;\n  }\n\n  .bcd-tabs-layout {\n    display: flex;\n    border: 1px solid #dddddd;\n    background: #fafafa;\n    min-height: 420px;\n  }\n\n  .bcd-tabs-menu {\n    width: 320px;\n    min-width: 320px;\n    border-right: 1px solid #dddddd;\n    background: #f6f6f6;\n  }\n\n  .bcd-tab-btn {\n    width: 100%;\n    display: flex;\n    align-items: center;\n    gap: 12px;\n    padding: 18px 16px;\n    border: none;\n    border-bottom: 1px solid #dddddd;\n    background: transparent;\n    color: #7b7b7b;\n    font-size: 16px;\n    text-align: left;\n    cursor: pointer;\n    transition: all 0.25s ease;\n  }\n\n  .bcd-tab-btn:hover {\n    background: #f0f0f0;\n  }\n\n  .bcd-tab-btn.active {\n    background: #eaf3f8;\n    color: #5d5d5d;\n    font-weight: 600;\n  }\n\n  .bcd-tab-icon {\n    width: 24px;\n    height: 24px;\n    color: #8b8b8b;\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    flex-shrink: 0;\n  }\n\n  .bcd-tab-icon svg {\n    width: 22px;\n    height: 22px;\n  }\n\n  .bcd-tabs-content {\n    flex: 1;\n    background: #fcfcfc;\n    padding: 22px 26px;\n  }\n\n  .bcd-tab-panel {\n    display: none;\n  }\n\n  .bcd-tab-panel.active {\n    display: block;\n  }\n\n  .bcd-tab-panel h3 {\n    margin: 0 0 18px;\n    font-size: 20px;\n    font-weight: 700;\n    color: #666666;\n  }\n\n  .bcd-tab-panel p {\n    margin: 0 0 14px;\n    font-size: 16px;\n    line-height: 1.9;\n    color: #6f6f6f;\n  }\n\n  @media (max-width: 991px) {\n    .bcd-tabs-layout {\n      flex-direction: column;\n    }\n\n    .bcd-tabs-menu {\n      width: 100%;\n      min-width: 100%;\n      border-right: none;\n      border-bottom: 1px solid #dddddd;\n    }\n\n    .bcd-tab-btn {\n      font-size: 15px;\n      padding: 15px 14px;\n    }\n\n    .bcd-tabs-content {\n      padding: 20px 18px;\n    }\n\n    .bcd-tab-panel h3 {\n      font-size: 18px;\n    }\n\n    .bcd-tab-panel p {\n      font-size: 15px;\n      line-height: 1.8;\n    }\n  }\n<\/style>\n\n<script>\n  (function () {\n    const wrapper = document.querySelector('.bcd-sigorta-wrapper');\n    if (!wrapper) return;\n\n    const buttons = wrapper.querySelectorAll('.bcd-tab-btn');\n    const panels = wrapper.querySelectorAll('.bcd-tab-panel');\n\n    buttons.forEach((button) => {\n      button.addEventListener('click', function () {\n        const target = this.getAttribute('data-tab');\n\n        buttons.forEach((btn) => btn.classList.remove('active'));\n        panels.forEach((panel) => panel.classList.remove('active'));\n\n        this.classList.add('active');\n        const activePanel = wrapper.querySelector('#' + target);\n        if (activePanel) activePanel.classList.add('active');\n      });\n    });\n  })();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Sigorta Garanti ve Teminatlar Risk Kapsam Muafiyetler Mutabakatl\u0131 De\u011fer Risk\/Prim \u00c7arpan Rekabet\u00e7i Avantajlar Reassurance &amp; Co-reassurance Vade Y\u00f6netimi Garanti ve Teminatlar BCD, KOB\u0130 firmalar\u0131n sigorta poli\u00e7elerinin do\u011fru kapsamda garanti ve teminat alt\u0131na al\u0131n\u0131p al\u0131nmad\u0131\u011f\u0131n\u0131 ile a\u015fk\u0131n ve eksik sigorta durumunu kontol eder, \u00f6nerilerde bulunur. Risk Kapsam BCD, KOB\u0130 firmalar\u0131n garanti ve teminat alt\u0131na al\u0131mas\u0131 gereken [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2838","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/pages\/2838","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/comments?post=2838"}],"version-history":[{"count":4,"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/pages\/2838\/revisions"}],"predecessor-version":[{"id":2842,"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/pages\/2838\/revisions\/2842"}],"wp:attachment":[{"href":"https:\/\/bcdturkey.com.tr\/en\/wp-json\/wp\/v2\/media?parent=2838"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}