Sigorta Şirketi Seçim Probleminde QUALIFLEX ve ORESTE Yöntemleri

Öz

İnsanların tüm varlık ve girişimleri, risk adı verilen belirsizliklerin tehtidi altındadır. Sigorta, risklerin gerçekleşmesi sonucu doğabilecek zararları gidermek için kullanılan sosyal bir güvenlik aracıdır. Sigorta sözleşmesi, bir sigorta şirketi (sigortacı) ile sigorta ettirenin karşılıklı anlaşmasıyla kurulur. Sigorta sözleşmesi ile sigorta şirketi, sigorta güvencesini üzerine alır, sigorta ettiren ise prim ödeme borcu altına girer. Sözleşme; can (hayat, ferdi kaza, sağlık), mal (otomobil, yangın, nakliyat, mühendislik), sorumluluk, hukuki koruma ve kredi için imzalanabilir. Piyasada çok sayıda sigorta şirketi vardır ve sözleşmeler, sigorta şirketinden sigorta şirketine değişebilir. Bu nedenle işletmelerin ihtiyaçlarını en iyi şekilde karşılayacak sigorta şirketini seçmeleri önemlidir. Bu seçim, bir Çok Kriterli Karar Verme (ÇKKV) problemi olarak ele alınabilir. ÇKKV problemlerinde çok sayıda ve genellikle birbiriyle çelişen kriterler altında, alternatifler arasından bir seçim yapılır ve bu problemleri çözmek için kullanılan pekçok yöntem vardır. Bu çalışmada, ÇKKV yöntemlerinden QUALIFLEX (QUALItative FLEXible) ve ORESTE (Organization, Rangement Et Synthese De Donnes Relationnelles) yöntemleri kullanılmıştır. Sigorta şirketi alternatifleri bu yöntemlerle sıralanmış ve sonuçlar karşılaştırılmıştır.

QUALIFLEX and ORESTE Methods for the Insurance Company Selection Problem

Abstract

All assets and attempts of the people are threatened by uncertainty named as the risk.  Insurance is a social security tool used to recover the loss that may arise as a result of the realization of risks. Insurance contract is established by mutual aggrement between an insurance company (insurer) and the insurance holder (insured). The insurer takes over the insurance coverage, the insured falls under the premium payment obligation with the insurance contract. The contract may be signed for life (personal accident, health), goods (automobiles, house, fire, transportation, engineering), liability, legal protection and credit. There are numerous insurance companies in the market and the contracts may change from insurance company to company. Therefore, it is important to select the insurance company that meets the business needs in the best way. This selection may be handled as a MCDM (Multi Criteria Decision Making) problem. MCDM problems refer to make a decision for the alternatives characterized by multiple, usually conflicting, criteria and there are several methods for solving MCDM problems. In this paper, QUALIFLEX (QUALItative FLEXible) and ORESTE (Organization, Rangement Et Synthese De Donnes Relationnelles) methods are used. The insurance company alternatives are ranked by these methods and the results are compared.

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