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BES’ciler sağlıkçı oluyor

09.02.2018
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Yeni düzenleme ile bireysel emeklilik şirketleri özel sağlık sigortası da satabilecek. Şu sıralar emeklilik şirketleri birer birer sağlık ruhsatı almak için Hazine’ye başvuruyor.

BES’ciler sağlıkçı oluyor
REKLAM ALANI

Emeklilik şirketleri sağlık işine giriyor. Bireysel emeklilik planları ve hayat sigortası satabilen emeklilik şirketleri, artık özel sağlık sigortası da satabilecek. Şu sıralar şirketler, sağlık ruhsatı almak için birer birer Hazine’ye başvuruyor.
2003’te uygulamaya giren Bireysel Emeklilik Sistemi (BES) öncesinde hayat sigorta şirketleri özel sağlık sigortası da satıyordu ve sağlık pazarının çoğu hayat şirketlerinin elindeydi. Ancak BES mevzuatı hazırlanırken, emeklilik işine girecek şirketlere, sadece hayat sigortası ve emeklilik planı satma şartı getirildi. O dönem, hayat şirketleri birer birer emeklilik şirketine dönüşürken, kimi şirketler sağlık portföylerini elementer şirketlere devretti, kimileri de sağlık sigortası pazarından çekilmek zorunda kaldı ve tüm emeklilik şirketlerinin sağlık sigortası ruhsatları iptal edildi.

HANGİ ŞİRKETLER GİRECEK?

Aradan 13 yıl geçtikten sonra şimdi emeklilik şirketlerine yeniden sağlık sigortası satma izni çıktı. Hazine, geçen yılın sonunda bir genelge yayımlayarak, emeklilik şirketlerinin ‘hastalık-sağlık’ sigortalarında ruhsat alabilmelerine imkan tanırken, aynı zamanda hayat sigortası ruhsatı olan emeklilik şirketlerinin tehlikeli hastalıklar ve sürekli sakatlık teminatlarını da hayat sigortalarına ek verebilmelerinin de önü açıldı. Anadolu Hayat Emeklilik, Cigna Finans, Fiba Emeklilik, Katılım Emeklilik sağlık sigortası satmak için Hazine’ye ruhsat başvurusunda bulunan şirketler arasında. AvivaSa, BNP Paribas Cardif, MetLife da sağlık sigortasına girmeyi planlayan şirketler.

İSTENEN PARAGRAFTAN SONRA ÇIKAN REKLAM ALANI - 1

BES’ciler sağlıkçı oluyor

Emeklilik şirketlerine sağlık sigortası satma izni verilmesinin temel nedeni ise; önce BES’te kesinti oranlarının düşürülmesi ardından da otomatik katılım uygulamasında şirketlere sadece fon işletim gideri kesintisi yapma izni verilmesi nedeniyle emeklilik şirketlerinin kâr marjlarının daralması ve kâra geçiş sürelerinin uzaması. BES’ten zarar eden emeklilik şirketleri sağlık sigortası ile nefes almaya çalışacak. Emeklilik şirketleri ise gelenekselden çok tamamlayıcı sağlık sigortası alanına girmeyi düşünüyor.

Sektör temsilcileri, BES’in sadece tasarrufa yönelik olarak algılandığını belirterek, “Emeklilik maaş ödemeli ve sağlık giderlerini karşılamalı. Şimdi gerçek bir emeklilik sisteminde olduğu gibi hem aylık düzenli gelir elde edilecek hem de sağlık harcamaları karşılanacak” dedi.

REKLAM ALANI
BİR YORUM YAZIN

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