Türkiye’de Hanehalkının Özel Sigorta Tercihleri

Bu çalışmada Türkiye’de ikamet eden bireylerin içinde bulunduğu hanehalkının özel sigorta tercihi ve bu tercihi etkileyen faktörler incelenmiştir. TÜİK Hanehalkı bütçe anketi verileri kullanılarak yapılan analizde Logit yöntemi kullanılmıştır. Elde edilen bulgulara göre aile yapısı, otomobil sayısı ve gelir özel sigorta sahibi olma ihtimalini artırmaktadır. Ev sahipliği, hanede sigara alışkanlığı olan bireyin bulunması ve hanede yaşayan birey sayısı özel sigorta sahibi olma ihtimalini azaltan etkenler olarak belirlenmiştir. Sigorta firmalarına özel sigorta alma ihtimali yüksek olan hanelere yoğunlaşmaları ve devlete ise özel sigorta satın alma ihtimali düşük olan hanelerin bu ürünü satın alması için teşvik edici politikaları uygulaması önerilerinde bulunulmuştur.

Private Insurance Preferences of Household in Turkey

In this study, private insurance preferences of households comprising of inhabitants of Turkey and factors affecting this choice have been investigated. Logit method has been used in the analysis which has been carried out by employing data of TURKSTAT household budget survey. According to findings, factors increasing the probability of having private insurance are family structure, number of automobile and income. On the other hand, home ownership, size of the household and, presence of the individual with a smoking habit in the household have been determined as the factors reducing the possibility of having private insurance. Therefore, some suggestions have been made for insurance companies to concentrate on households with high probability of purchasing private insurance, and for government to implement incentive policies for households with low probability

Kaynakça

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