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The tremendous cost

that the fair insured and

the insurance sector have

to put up with because

of the insurance fraud

has always caused the

struggle of the insurance

sector in this issue to be

one of the primary and

significant matters

branches, the auto branch being at the fore, and it will

provide that the data on erroneous insurance applications

and insurance fraud, which are carried out by people or

institutions to receive unfair claims payment or to pay low

premium, are gathered at a central database. It will enable

that this information is put to use by the insurance companies

at the stages of risk acceptance, pricing or claims processes.

The insurance companies will be able to use this common

database at the stages of policy issuance and claims

assessment. It is acknowledged that the SISBIS project will

fill a significant gap at the insurance sector. Its first stage of

receiving notification from third parties, transmitting these

to the relevant insurance companies and providing the

sharing of these among the insurance companies has been

completed. It has been planned that its successive functions

will be put into use in a short time.

The insurance sector has a common database with

SBM now. What do you consider the benefits of this

for the sector?

As I mentioned previously, it is obvious that the contribution

of the common database of the insurance sector and that the

information here is put into use by the insurance companies

at risk acceptance, pricing or claims processes will be

substantial.

On the other hand, there is a very significant role for the

Insurance Information and Monitoring Center in the traffic

branch, where the sector loses the most. We are planning

to change to the Direct Issue System in the next period and

information regarding the infrastructure such as calculating

the average claims amount and also operating the clearing

house need to be obtained and here lies the significant part

for the Insurance Information and Monitoring Center.

Also, the Insurance Information and Monitoring Center will

carry out important activities in the online policy issuance

to prevent false policies in the travel health insurance

sub-branch.

According to you, what will be the impact of SBM in

the growth and profitability of the sector?

When the data at the Insurance Information and Monitoring

Center is used by the insurance companies at the stages of

risk acceptance, pricing or claims processes, more rational

technical pricing will be provided, claims misuse will be

prevented and thus, the claims premium rate will be lowered.

As a result of all these actions, the technical profitability of

the companies will be affected positively.

What would you tell us about the contribution of

the SISBIS project to the insurance companies,

which was established by SBM to prevent

insurance misuse?

The tremendous cost that the fair insured and the insurance

sector have to put up with because of the insurance fraud

has always caused the struggle of the insurance sector in

this issue to be one of the primary and significant matters.

The “Insurance Fraud Information System” or SİSBİS, which

was put into use by the Claims Follow up Center (HATMER),

the sub-center of the Insurance Information and Monitoring

Center, within the scope of this struggle, aims to provide

that the insurance frauds, deemed abuse by law as well,

committed by ill-intentioned people to obtain unearned gain by

deceiving the insurance company deliberately, are monitored

on a common database and the necessary precautions are

taken.

SİSBİS will be one of the important instruments of the active

struggle to minimize the high cost caused by insurance

fraud to the disadvantage of the insurance sector and the

fair insured. It aims to assist the insurance companies in

accepting and pricing the risks and to decrease the additional

cost incurred by the companies due to fraud. It is also among

the aims of SISBIS to protect the interests of the fair insured

and to decrease the premium costs. It will cover all insurance

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