Türk Hukuk Sisteminde Gömülü Sigorta: Alman Modeliyle Mukayeseli Yaklaşım

Abstract

Gömülü sigorta (embedded insurance), sigorta ürünlerinin doğrudan bir mal veya hizmet satış sürecine entegre edilerek sunulduğu yenilikçi bir dağıtım modelidir. Dijitalleşmenin hız kazanmasıyla birlikte bu model, sigortayı kişiler yönünden daha erişilebilir kılarken, sigorta şirketleri ve dijital hizmet sağlayıcıları için ise yeni ortaklık alanları ve gelir modelleri sunmaktadır. Modelin güncel oluşu ve hızla gelişen uygulama çeşitliliği sebebiyle, birçok hukuk sisteminde gömülü sigortaya ilişkin hukuki çerçeve açık ve kesin sınırlarıyla oluşturulamamış ve bağımsız bir çalışmaya konu edilmemiştir. Aynı şekilde Türk hukukunda da bu modele yönelik sistematik bir hukuki incelemeye henüz yer verilmemiş ve bağımsız bir araştırma alanı olarak yeterince şekillenmemiştir. Bu çalışmada, söz konusu belirsizlikler çerçevesinde gömülü sigorta modelinin hukuki boyutu, Alman ve Avrupa Birliği hukuku ile mukayeseli olarak incelenmiş ve Türk hukukundaki mevcut durum değerlendirilmiştir. Bu kapsamda, özellikle çevrim içi satış platformlarının sigorta ürünlerini hangi hukuki dayanakla sundukları incelenmiş; ayrıca bu satış platformlarının sigorta sözleşmeleri karşısındaki hukuki statüleri ile yürüttükleri faaliyetlerin sigorta aracılığı kapsamında değerlendirilip değerlendirilemeyeceği irdelenmiştir.

Keywords

• Gömülü sigorta
• Sigorta Aracıları
• Yer Sağlayıcı
• Lisans Muafiyeti
• § 34d GewO

EMBEDDED INSURANCE IN THE TURKISH LEGAL SYSTEM: A COMPARATIVE APPROACH WITH THE GERMAN MODEL

Abstract

Embedded insurance is an innovative distribution model in which insurance products are offered directly integrated into the sales process of a good or service. With the acceleration of digitalization, this model has made insurance more accessible for individuals, while offering new partnership opportunities and revenue models for insurance companies and digital service providers. Due to the model's novelty and the rapidly evolving variety of applications, many legal systems have not yet established a clear and definite legal framework for embedded insurance, nor has it been the subject of an independent legal study. Similarly, in Turkish law, a systematic legal analysis of this model has not yet been undertaken, and it has not sufficiently developed as an independent field of research. In this study, within the context of these uncertainties, the legal dimension of the embedded insurance model is examined comparatively with German and European Union law, and the current situation in Turkish law is evaluated. In this context, particular attention is paid to the legal basis on which online sales platforms offer insurance products; furthermore, the legal status of these sales platforms in relation to insurance contracts, and whether the activities they carry out can be considered as insurance intermediation, are also discussed.

Keywords

• Embedded Insurance
• Insurance Intermediaries
• Hosting Provider
• Licence Exemption
• § 34d GewO

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