Page 19 - Turkinsurance Digital Magazine

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This could result in companies reassessing their production hospitals within the scope of supplementary health insurance,
compositions in the traffic sector. aiming to make this product more widespread and provide
access to a broader range of healthcare services by covering the
In the coming days, it will be a period where costs in the traffic remaining expenses not fully paid by public health insurance.
sector will be brought under control, discussions will be held With this initiative, rapid growth in supplementary health
regarding the Baremo System, and the separation of depreciation insurance (TSS) will continue.
as an independent coverage will be debated. A roadmap for
transitioning to free tariff will also be anticipated, along with Additionally, in the near future, it is expected that health
discussions on a banded ceiling tariff method. For the long term, insurance will keep developing through the creation of new
the first phase of person-based insurance, which we expect to private health insurance products that cover modern preventive
be implemented this year, has been completed, and the Direct healthcare services like "wellness" and through the continued
Compensation System, which will be opened for discussion, will offerings of existing supplementary and private health insurance
be milestones for products and profitability in the coming years. policies. In this way, the insurance sector will continue to support
individuals' access to quality healthcare services.
With the implementation of these new infrastructures, we
anticipate the launch of new products and the emergence of lower The health insurance sector has a high growth potential,
frequencies, resulting in more profitable operations. Additionally, thanks to our promising young population and the increasing
by controlling the financial and technical impacts of Baremo and awareness of insurance. It is foreseen that the growth achieved
depreciation costs, we expect to achieve better and faster claims in the supplementary health branch in the previous period will be
payment speeds. sustained, and the acquisition of new policyholders will continue.
When we look at global insurance, are the developments in
Even after a major disaster like an earthquake, our country sufficient? Do you think Turkey, at this point, is
the insurance coverage rate rapidly diminished showing enough progress in the field of insurance?
within two months, falling below last year’s
figures. Insurance today serves as an indispensable protection for the
continuation of life, industry, and commerce in a healthy manner
in all developed economies. As the insurance sector in Turkey,
Last year, there was significant momentum in health insur- our goal is to reach all 85 million people and tirelessly continue
ance. Do you think the same performance has continued this to explain the importance of insurance to all our citizens,
year? What does the future hold for the health insurance industrialists, and traders, as we have done so far. The value
sector? we create, alongside our funds exceeding 1.3 trillion TL that
support our economy, includes the coverage we provide, which
Healthcare is a vital part of the global economy. Advances in surpasses 24 times the GDP, and our daily claims payments,
science and technology have brought changes to the healthcare which reach 57 million dollars across 137,000 files. We believe
sector, just as they have impacted every industry, with digital this contribution is noteworthy. Of course, this is not enough,
transformation and artificial intelligence playing a significant and we have a long way to go. While communicating the benefits
role. The growing health awareness, heightened risk perception, we create, we undoubtedly have some shortcomings, and we are
and efforts to raise awareness have contributed to the development working intensely on addressing these.
of an insured lifestyle in healthcare, leading to an increase in the
number of insured individuals. On this path, the continuous and positive communication of
insurance and BES is critical for increasing insurance coverage
Additionally, it is anticipated that healthcare providers will and savings rates in our country. We observed that even after a
place greater emphasis on telehealth applications, and demand major disaster like an earthquake, the insurance coverage rate
for telehealth services, where patients receive support via online quickly dropped below last year’s level within two months. Keeping
platforms, will continue to grow. the necessity and importance of insurance and savings constantly
on the national agenda and ensuring effective communication
In this context, it is expected that health insurance will continue are the top priorities of our Union. We are committed to acting
to develop through both new products and services, as well as the with social responsibility, particularly with the support of our
supplementary and private health insurance currently offered. economic press, to provide accurate information to the public.
It is anticipated that both supplementary health insurance and
private health insurance will continue to grow, driven by the On the other hand, it should not be forgotten that global insurance
interest of their respective target audiences. giants have investments in our country's insurance sector today.
These major companies continue to maintain the same enthusiasm
As is known, supplementary health insurance is a type of and confidence in our country’s economy and future as they did
insurance purchased to extend the coverage of the existing public on the first day of their investment. Additionally, interest in
health insurance (General Health Insurance). This insurance is investing in our sector remains high among both domestic and
used to cover healthcare costs that are only partially covered by foreign investors.
public health insurance. Efforts have begun to include university