{"id":22670,"date":"2024-04-14T01:00:00","date_gmt":"2024-04-13T22:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=22670"},"modified":"2024-04-13T12:23:23","modified_gmt":"2024-04-13T09:23:23","slug":"sigorta-haqqinda-i-hiss%c9%99","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=22670","title":{"rendered":"S\u0131\u011forta haqq\u0131nda (I hiss\u0259)"},"content":{"rendered":"\n

S\u0131\u011forta haqq\u0131nda (I hiss\u0259).<\/strong><\/p>\n\n\n

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\"\"<\/figure><\/div>\n\n\n
    \n
  1. S\u0131\u011forta n\u0259dir?<\/strong><\/li>\n<\/ol>\n\n\n\n

    S\u0131\u011forta h\u0259r hans\u0131 itkiy\u0259 m\u0259ruz qalm\u0131\u015f \u015f\u0259xsi buna s\u0259b\u0259b olmu\u015f hadis\u0259d\u0259n \u0259vv\u0259lki maliyy\u0259 v\u0259ziyy\u0259tin\u0259 qaytarmaq \u00fc\u00e7\u00fcn t\u0259zminatla t\u0259min ed\u0259n vasit\u0259dir.<\/p>\n\n\n\n

    S\u0131\u011forta s\u0131\u011fortal\u0131n\u0131n v\u0259 ya s\u0131\u011forta olunan\u0131n \u0259mlak\u0131, h\u0259yat\u0131, sa\u011flaml\u0131\u011f\u0131, m\u00fclki m\u0259suliyy\u0259ti, h\u0259m\u00e7inin qanunla qada\u011fan olunmayan f\u0259aliyy\u0259ti, o c\u00fcml\u0259d\u0259n sahibkarl\u0131q f\u0259aliyy\u0259ti il\u0259 \u0259laq\u0259dar olan \u0259mlak m\u0259nafel\u0259rinin m\u00fcdafi\u0259si sah\u0259sind\u0259 riskin \u00f6t\u00fcr\u00fclm\u0259sin\u0259 v\u0259 ya b\u00f6l\u00fc\u015fd\u00fcr\u00fclm\u0259sin\u0259 \u0259saslanan m\u00fcnasib\u0259tl\u0259r sistemidir.<\/p>\n\n\n\n

      \n
    1. Risk n\u0259dir?<\/strong><\/li>\n<\/ol>\n\n\n\n
        \n
      • Risk arzuolunmaz hadis\u0259nin ba\u015f verm\u0259si ehtimal\u0131d\u0131r.<\/li>\n\n\n\n
      • Risk t\u0259hl\u00fck\u0259l\u0259rin birl\u0259\u015fm\u0259sidir.<\/li>\n\n\n\n
      • Risk t\u0259sad\u00fcfilikdir: faktiki n\u0259tic\u0259l\u0259rin proqnozla\u015fd\u0131r\u0131lan n\u0259tic\u0259l\u0259rd\u0259n f\u0259rql\u0259nm\u0259si tendensiyas\u0131d\u0131r.<\/li>\n\n\n\n
      • Risk itkinin ba\u015f verm\u0259si il\u0259 ba\u011fl\u0131 qeyri-m\u00fc\u0259yy\u0259nlikdir.<\/li>\n\n\n\n
      • Risk itkinin ba\u015f verm\u0259sinin m\u00fcmk\u00fcnl\u00fcy\u00fcd\u00fcr.<\/li>\n<\/ul>\n\n\n\n

        S\u0131\u011fortalanan riskl\u0259r a\u015fa\u011f\u0131dak\u0131 x\u00fcsusiyy\u0259tl\u0259r\u0259 malik olmal\u0131d\u0131rlar:<\/em><\/strong><\/p>\n\n\n\n

          \n
        • D\u0259y\u0259n z\u0259r\u0259rin h\u0259cmi pulla \u00f6l\u00e7\u00fcl\u0259 bil\u0259n olmal\u0131d\u0131r;<\/li>\n\n\n\n
        • S\u0131\u011fortalanan riskl\u0259 ba\u011fl\u0131 ba\u015f vermi\u015f kifay\u0259t q\u0259d\u0259r \u00e7oxlu sayda hadis\u0259l\u0259r olmal\u0131d\u0131r;<\/li>\n\n\n\n
        • Riskin h\u0259yata ke\u00e7m\u0259si n\u0259tic\u0259sind\u0259 he\u00e7 bir qazanc v\u0259 ya g\u0259lir \u0259ld\u0259 olunmamal\u0131d\u0131r;<\/li>\n\n\n\n
        • Ba\u015f ver\u0259n itki t\u0259sad\u00fcfi olmal\u0131d\u0131r;<\/li>\n\n\n\n
        • \u0130ctimaiyy\u0259t\u0259 z\u0259r\u0259rli bir \u0259m\u0259lin n\u0259tic\u0259si olmamal\u0131d\u0131r;<\/li>\n\n\n\n
        • \u0130tki ba\u015f verdiyi halda s\u0131\u011fortal\u0131n\u0131n z\u0259r\u0259r \u00e7\u0259km\u0259 ehtimal\u0131 olmal\u0131d\u0131r.<\/li>\n<\/ul>\n\n\n\n
            \n
          1. N\u0259l\u0259ri s\u0131\u011fortalamaq olar?<\/strong><\/li>\n<\/ol>\n\n\n\n

            Qanunazidd m\u0259nafel\u0259r, h\u0259m\u00e7inin qanuni, lakin s\u0131\u011fortalanmas\u0131 qada\u011fan olunan m\u0259nafel\u0259r, c\u0259rim\u0259l\u0259r, habel\u0259 oyunlarda, m\u0259rcl\u0259rd\u0259, lotereyalarda i\u015ftirakla ba\u011fl\u0131 m\u0259nafel\u0259rd\u0259n ba\u015fqa qanunazidd olmayan h\u0259r hans\u0131 \u0259mlak m\u0259nafeyinin aid oldu\u011fu fiziki \u015f\u0259xs, \u0259mlak v\u0259 ya hal s\u0131\u011fortalana bil\u0259r.<\/p>\n\n\n\n

              \n
            1. S\u0131\u011forta bazar\u0131n\u0131n i\u015ftirak\u00e7\u0131lar\u0131 kiml\u0259rdir?<\/strong><\/li>\n<\/ol>\n\n\n\n

              S\u0131\u011forta bazar\u0131n\u0131n pe\u015f\u0259kar i\u015ftirak\u00e7\u0131lar\u0131:<\/p>\n\n\n\n

                \n
              • S\u0131\u011forta\u00e7\u0131lar (Sat\u0131c\u0131lar);<\/li>\n\n\n\n
              • T\u0259krars\u0131\u011forta\u00e7\u0131lar;<\/li>\n\n\n\n
              • S\u0131\u011forta vasit\u0259\u00e7il\u0259ri (s\u0131\u011forta agenti v\u0259 s\u0131\u011forta brokeri);<\/li>\n\n\n\n
              • Aktuaril\u0259r;<\/li>\n\n\n\n
              • M\u00fcst\u0259qil auditorlar;<\/li>\n\n\n\n
              • M\u00fcst\u0259qil ekspertl\u0259r;<\/li>\n\n\n\n
              • S\u0131\u011forta sah\u0259sind\u0259 yard\u0131m\u00e7\u0131 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n h\u00fcquqi \u015f\u0259xsl\u0259r.<\/li>\n<\/ul>\n\n\n\n

                S\u0131\u011forta bazar\u0131n\u0131n dig\u0259r i\u015ftirak\u00e7\u0131lar\u0131:<\/p>\n\n\n\n

                  \n
                • S\u0131\u011fortal\u0131lar (Al\u0131c\u0131lar);<\/li>\n\n\n\n
                • S\u0131\u011forta olunanlar;<\/li>\n\n\n\n
                • Faydalanan \u015f\u0259xsl\u0259r.<\/li>\n<\/ul>\n\n\n\n

                  S\u0131\u011fortal\u0131<\/strong>\u00a0– s\u0131\u011forta haqq\u0131 \u00f6d\u0259y\u0259n, s\u0131\u011forta obyektinin s\u0131\u011forta etdirilm\u0259sind\u0259 s\u0131\u011forta mara\u011f\u0131 olan s\u0131\u011forta m\u00fcqavil\u0259sinin t\u0259r\u0259fi
                  S\u0131\u011forta\u00e7\u0131<\/strong>\u00a0– s\u0131\u011forta f\u0259aliyy\u0259tini h\u0259yata ke\u00e7irm\u0259k \u00fc\u00e7\u00fcn m\u00fcvafiq lisenziyaya malik olan, s\u0131\u011forta m\u00fcqavil\u0259sind\u0259 n\u0259z\u0259rd\u0259 tutulan s\u0131\u011forta hadis\u0259si ba\u015f verdiyi halda qanunvericilikl\u0259 v\u0259 ya m\u00fcqavil\u0259 il\u0259 m\u00fc\u0259yy\u0259n olunmu\u015f qaydada s\u0131\u011forta \u00f6d\u0259ni\u015fini verm\u0259k \u00f6hd\u0259liyi da\u015f\u0131yan s\u0131\u011forta m\u00fcqavil\u0259sinin t\u0259r\u0259fi olan yerli h\u00fcquqi \u015f\u0259xs
                  T\u0259krars\u0131\u011forta\u00e7\u0131<\/strong>\u00a0– t\u0259krars\u0131\u011forta f\u0259aliyy\u0259tin\u0259 lisenziyas\u0131 olan, ilkin s\u0131\u011forta\u00e7\u0131 v\u0259 ya ilkin t\u0259krars\u0131\u011forta\u00e7\u0131 t\u0259r\u0259find\u0259n ba\u011flanm\u0131\u015f s\u0131\u011forta v\u0259 ya t\u0259krars\u0131\u011forta m\u00fcqavil\u0259l\u0259ri \u0259sas\u0131nda s\u0131\u011fortalanm\u0131\u015f (t\u0259krars\u0131\u011fortalanm\u0131\u015f) riskl\u0259ri t\u0259krars\u0131\u011fortalayan (t\u0259krars\u0131\u011fortaya q\u0259bul ed\u0259n) t\u0259r\u0259f
                  S\u0131\u011forta agenti<\/strong>\u00a0– m\u00fcvafiq lisenziyas\u0131 olan v\u0259 s\u0131\u011forta\u00e7\u0131ya s\u0131\u011forta m\u00fcqavil\u0259sinin ba\u011flanmas\u0131, yenil\u0259nm\u0259si v\u0259 ya davam etdirilm\u0259si \u00fc\u00e7\u00fcn vasit\u0259\u00e7ilik xidm\u0259ti g\u00f6st\u0259r\u0259n \u015f\u0259xs
                  S\u0131\u011forta<\/strong>\u00a0brokeri<\/strong>\u00a0– m\u00fcvafiq lisenziyaya malik olan v\u0259 s\u0131\u011forta (t\u0259krars\u0131\u011forta) m\u00fcqavil\u0259sinin ba\u011flanmas\u0131, yenil\u0259nm\u0259si v\u0259 ya davam etdirilm\u0259si \u00fc\u00e7\u00fcn s\u0131\u011fortal\u0131ya (t\u0259krars\u0131\u011fortal\u0131ya) vasit\u0259\u00e7ilik xidm\u0259ti g\u00f6st\u0259r\u0259n \u015f\u0259xs
                  Aktuari<\/strong>\u00a0\u2013 qanunvericiliy\u0259 uy\u011fun olaraq iqtisadi-riyazi hesablamalar aparmaqla s\u0131\u011forta haqlar\u0131n\u0131n hesablanmas\u0131n\u0131n \u0259saslar\u0131n\u0131 m\u00fc\u0259yy\u0259n ed\u0259n, h\u0259m\u00e7inin s\u0131\u011forta ehtiyatlar\u0131n\u0131 hesablayan m\u00fct\u0259x\u0259ssisdir.
                  Az\u0259rbaycan Respublikas\u0131n\u0131n s\u0131\u011forta sah\u0259sind\u0259 yard\u0131m\u00e7\u0131 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n h\u00fcquqi \u015f\u0259xsl\u0259ri v\u0259 m\u00fcst\u0259qil ekspertl\u0259ri yaln\u0131z\u00a0maliyy\u0259<\/strong>\u00a0bazarlar\u0131na<\/strong>\u00a0n\u0259zar\u0259t<\/strong>\u00a0orqan\u0131n\u0131n<\/strong>\u00a0reyestrin\u0259 daxil\u00a0edilmi\u015f olduqlar\u0131 halda s\u0131\u011forta \u0259m\u0259liyyatlar\u0131 \u00fczr\u0259 xidm\u0259t g\u00f6st\u0259rm\u0259k \u00fc\u00e7\u00fcn c\u0259lb oluna bil\u0259rl\u0259r.<\/p>\n\n\n\n

                    \n
                  1. S\u0131\u011forta\u00e7\u0131lar\u0131n hans\u0131 f\u0259aliyy\u0259t istiqam\u0259tl\u0259ri vard\u0131r?<\/strong><\/li>\n<\/ol>\n\n\n\n

                    S\u0131\u011forta s\u0131\u011forta\u00e7\u0131lar\u0131n f\u0259aliyy\u0259t istiqam\u0259tl\u0259ri bax\u0131m\u0131ndan h\u0259yat s\u0131\u011fortas\u0131 v\u0259 qeyri-h\u0259yat s\u0131\u011fortas\u0131 (\u00fcmumi s\u0131\u011forta) sah\u0259l\u0259rin\u0259, s\u0131\u011forta obyekti bax\u0131m\u0131ndan \u015f\u0259xsi s\u0131\u011forta v\u0259 \u0259mlak s\u0131\u011fortas\u0131 sah\u0259l\u0259rin\u0259 b\u00f6l\u00fcn\u00fcr.<\/p>\n\n\n\n

                      \n
                    1. S\u0131\u011forta haqq\u0131 n\u0259dir?<\/strong><\/li>\n<\/ol>\n\n\n\n

                      Riskl\u0259rin q\u0259bul edilm\u0259si v\u0259 ya b\u00f6l\u00fc\u015fd\u00fcr\u00fclm\u0259si m\u00fcqabilind\u0259 k\u00f6n\u00fcll\u00fc s\u0131\u011fortada s\u0131\u011forta m\u00fcqavil\u0259si il\u0259, icbari s\u0131\u011fortada is\u0259 icbari s\u0131\u011forta qanunlar\u0131 il\u0259 n\u0259z\u0259rd\u0259 tutulan qaydada s\u0131\u011fortal\u0131n\u0131n s\u0131\u011forta\u00e7\u0131ya \u00f6d\u0259m\u0259li oldu\u011fu pul m\u0259bl\u0259\u011fidir.<\/p>\n\n\n\n

                        \n
                      1. S\u0131\u011forta \u00f6d\u0259ni\u015fi n\u0259dir?<\/strong><\/li>\n<\/ol>\n\n\n\n

                        S\u0131\u011forta hadis\u0259si ba\u015f verdikd\u0259, icbari s\u0131\u011forta qanunlar\u0131na v\u0259 ya s\u0131\u011forta m\u00fcqavil\u0259sin\u0259 uy\u011fun olaraq s\u0131\u011forta\u00e7\u0131 t\u0259r\u0259find\u0259n \u00f6d\u0259nil\u0259n maliyy\u0259 kompensasiyas\u0131d\u0131r.<\/p>\n\n\n\n

                          \n
                        1. S\u0131\u011forta m\u0259bl\u0259\u011fi dedikd\u0259 n\u0259 ba\u015fa d\u00fc\u015f\u00fcr\u00fck?<\/strong><\/li>\n<\/ol>\n\n\n\n

                          S\u0131\u011forta m\u0259bl\u0259\u011fi dedikd\u0259, s\u0131\u011fortalanm\u0131\u015f riskl\u0259r \u00fczr\u0259 s\u0131\u011forta\u00e7\u0131n\u0131n \u00f6hd\u0259liyinin icbari s\u0131\u011forta \u00fczr\u0259 icbari s\u0131\u011forta qanunlar\u0131 il\u0259, k\u00f6n\u00fcll\u00fc s\u0131\u011forta \u00fczr\u0259 s\u0131\u011forta m\u00fcqavil\u0259si il\u0259 m\u00fc\u0259yy\u0259nl\u0259\u015fdirilmi\u015f m\u0259bl\u0259\u011fl\u0259 ifad\u0259 olunan son h\u0259ddi ba\u015fa d\u00fc\u015f\u00fcl\u00fcr.<\/p>\n\n\n\n

                            \n
                          1. \u018fmlak\u0131n s\u0131\u011forta d\u0259y\u0259ri n\u0259dir?<\/strong><\/li>\n<\/ol>\n\n\n\n

                            \u018fmlak\u0131n s\u0131\u011forta d\u0259y\u0259ri dedikd\u0259, s\u0131\u011forta m\u00fcqavil\u0259si ba\u011flanan andak\u0131 bazar d\u0259y\u0259ri n\u0259z\u0259rd\u0259 tutullur.<\/p>\n","protected":false},"excerpt":{"rendered":"

                            S\u0131\u011forta haqq\u0131nda (I hiss\u0259). S\u0131\u011forta h\u0259r hans\u0131 itkiy\u0259 m\u0259ruz qalm\u0131\u015f \u015f\u0259xsi buna s\u0259b\u0259b olmu\u015f hadis\u0259d\u0259n \u0259vv\u0259lki maliyy\u0259 v\u0259ziyy\u0259tin\u0259 qaytarmaq \u00fc\u00e7\u00fcn t\u0259zminatla t\u0259min ed\u0259n vasit\u0259dir. S\u0131\u011forta s\u0131\u011fortal\u0131n\u0131n v\u0259 ya s\u0131\u011forta olunan\u0131n \u0259mlak\u0131, h\u0259yat\u0131, sa\u011flaml\u0131\u011f\u0131, m\u00fclki m\u0259suliyy\u0259ti,…<\/p>\n","protected":false},"author":2,"featured_media":22671,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[50],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/22670"}],"collection":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=22670"}],"version-history":[{"count":2,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/22670\/revisions"}],"predecessor-version":[{"id":22673,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/22670\/revisions\/22673"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/22671"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=22670"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=22670"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=22670"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}