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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