Açık Sigortacılık ve AB Hukukundaki Gelişmeler Işığında Türk Mevzuatı Açısından Bir Değerlendirme

Year 2025, Volume: 29 Issue: 4, 1675 - 1728, 14.10.2025

Serdar Hızır

https://doi.org/10.34246/ahbvuhfd.1745857

Abstract

Açık sigortacılık, dijitalleşmenin ve veri paylaşımının giderek önem kazandığı sigortacılık sektöründe, müşteri verilerinin üçüncü taraflarla güvenli ve şeffaf şekilde paylaşılmasına dayalı yeni nesil bir iş modelidir. Bu model, uygulama programlama arayüzleri (API’lar) sayesinde farklı taraflar arasında veri alışverişini mümkün kılarak, kişiselleştirilmiş sigorta ürünlerinin geliştirilmesine ve sektörde rekabetin artmasına katkı sağlamaktadır. Ancak modelin uygulanması, özellikle kişisel verilerin korunması, veri güvenliği, sözleşmesel sorumluluk ve denetim mekanizmaları açısından önemli hukuki sorunları da beraberinde getirmektedir. Bu çalışmada, öncelikle açık sigortacılığın tanımı, yapısal unsurları, paydaşlara sağladığı faydalar ve taşıdığı riskler ele alınmaktadır. Ek olarak, modelin açık bankacılık ile ilişkisine ve benzerlik ve farklı yönlerine de değinilmektedir. Ayrıca konuya ilişkin olarak Avrupa Birliği hukukundaki düzenlemelerdeki gelişmeler ve açık sigortacılığın Türkiye’de yürürlükte olan mevzuata uygunluğu incelenmektedir. Sonuç olarak çalışmada, açık sigortacılık modelinin Türk hukuk sistemine dâhil edilebilmesi için yasal reformlara ihtiyaç olduğuna dikkat çekilmektedir.

Keywords

Açık sigortacılık , Açık finans , Uygulama Programlama Arayüzü (API) , Avrupa Birliği , Sigorta hukuku

Open Insurance and an Assessment in Terms of Turkish Legislation with Regard to Developments in EU Law

Abstract

Open insurance is a new-generation business model in the insurance sector, where digitalization and data sharing are becoming increasingly important, based on the secure and transparent sharing of customer data with third parties. This model enables data exchange between different parties through application programme interfaces (APIs), thereby contributing to the development of personalized insurance products and increased competition in the sector. However, the implementation of this model also brings significant legal challanges, particularly in terms of the protection of personal data, data security, contractual liability, and supervisory mechanisms. This study initially examines the definition of open insurance, its structural elements, the benefits it provides to stakeholders, and the risks it carries. Additionally, it explores the relationship between open insurance and open banking, highlighting their similarities and differences. Furthermore, developments in European Union regulations concerning the topic, as well as the adequacy of the open insurance with respect to the current legislation in Turkey, are also analyzed. In conclusion, the study highlights the need for legal reforms to integrate open insurance model into Turkish legal system.

Keywords

Open insurance , Open finance , Application Programming Interface (API) , European Union , Insurance law

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