{"id":9146,"date":"2021-03-01T12:40:34","date_gmt":"2021-03-01T11:40:34","guid":{"rendered":"https:\/\/p-i7kp07.project.space\/2022-1\/?p=9146"},"modified":"2021-03-04T11:40:45","modified_gmt":"2021-03-04T10:40:45","slug":"how-covid-has-shaped-the-turkish-insurance-market-and-nart","status":"publish","type":"post","link":"https:\/\/trustrc.com\/en\/how-covid-has-shaped-the-turkish-insurance-market-and-nart\/","title":{"rendered":"How COVID Has Shaped the Turkish Insurance Market and NART"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><h4><span style=\"color: #000000;\">The COVID-19 crisis has been a shock for Turkish companies, as it was around the world. The severity and reach of the pandemic have made us all think about what could have been managed better and what lessons can be learned from it. The pandemic has underlined the value of risk management, forcing companies to adapt to remote work, learn new technologies, and find different ways to serve clients and customers. Most importantly I believe that the role of risk managers and risk awareness in general have increased substantially.<\/span><\/h4>\n<h4><span style=\"color: #000000;\"><strong>COVID-19 and Turkey<\/strong><\/span><\/h4>\n<h4><span style=\"color: #000000;\">Looking specifically at Turkey, there are four main points I would like to address.<\/span><\/h4>\n<h4><span style=\"color: #000000;\">First of all I think that the Turkish Insurance market has reacted quite well to the pandemic. Nearly all companies started working remotely at the very beginning of the crisis.The Ministry permitted assessments, exemptions of invoices, indemnity payments on a digital basis.<\/span><\/h4>\n<h4><span style=\"color: #000000;\">Secondly, the insurance companies responded positively with regards to the different fees and treatment costs of COVID-19 (which are excluded in nearly all policies in Turkey and covered by the state scheme) to be covered during the epidemic as ex gratia payments in the scope of existing policies.<\/span><\/h4>\n<h4><span style=\"color: #000000;\">Thirdly, in addition COVID-19 has accelerated digitalization in Turkey, like it did in most countries. I believe that in Turkey we reached a point in digitalisation which we wouldn\u2019t have reached in such a short time without this crisis. A lot of companies have accepted that Digitalization is not a choice anymore but it\u2019s becoming a requirement if one wants to remain competitive in its markets.<\/span><\/h4>\n<p style=\"text-align: center;\"><span style=\"color: #000000;\"><div class=\"visualizer-front-container\" id=\"chart_wrapper_visualizer-9151-593782657\"><style type=\"text\/css\" name=\"visualizer-custom-css\" id=\"customcss-visualizer-9151\">.locker,.locker-loader{position:absolute;top:0;left:0;width:100%;height:100%}.locker{z-index:1000;opacity:.8;background-color:#fff;-ms-filter:\"progid:DXImageTransform.Microsoft.Alpha(Opacity=80)\";filter:alpha(opacity=80)}.locker-loader{z-index:1001;background:url(https:\/\/trustrc.com\/wp-content\/plugins\/visualizer\/images\/ajax-loader.gif) no-repeat center center}.dt-button{display:none!important}.visualizer-front-container.visualizer-lazy-render{content-visibility: auto;}.google-visualization-controls-categoryfilter label.google-visualization-controls-label {vertical-align: middle;}.google-visualization-controls-categoryfilter li.goog-inline-block {margin: 0 0.2em;}.google-visualization-controls-categoryfilter li {padding: 0 0.2em;}.visualizer-front-container .dataTables_scrollHeadInner{margin: 0 auto;}<\/style><div id=\"visualizer-9151-593782657\" class=\"visualizer-front  visualizer-front-9151\"><\/div><!-- Not showing structured data for chart 9151 because description is empty --><\/div><\/span><\/p>\n<h6 style=\"text-align: center;\"><span style=\"color: #000000;\">Source: *Digital Quality of Life Index 2020, Surfshark<\/span><\/h6>\n<h4><span style=\"color: #000000;\">On the other hand we had a lot of grey areas and question marks which had to be dealt with specifically concerning Business Interruption claims, as it has been for other countries and insurance markets as well.\u00a0 There is no question that the Insurance market does not have the financial strength to deal with such a risk on their own therefore government support is very important for such crisis, but it needs to be in partnership with the insurance sector. Moreover we hope to see more innovative non-physical BI solutions for the future, as the demand for that is growing day by day.<\/span><\/h4>\n<h4><span style=\"color: #000000;\">Lastly, the uncertainty the crisis brought up made companies have a dialogue with their brokers, that\u2019s where we came into the picture. Even though non physical BI concerning pandemic was not included in the Property policy, the fact that there was a closer dialogue between the client and the broker allowed the broker to have an open discussion with the client about any other possible gaps and risk management solutions. We for example have received much more enquiries for Business Interruption, Cyber and Parametric Insurance proposals after the Pandemic crisis than we did before. In Turkey, in general, we saw greater awareness concerning other insurance products, such as health insurance or cyber insurance. So I believe that COVID-19 will actually intensify the focus on other areas and lead to rise of a new area of risk management approach.<\/span><\/h4>\n<h4><span style=\"color: #000000;\"><strong>\u00a0<\/strong><strong>COVID-19 and NART<\/strong><\/span><\/h4>\n<h4><span style=\"color: #000000;\">So what about NART? While the market grew around 19%, as NART we grew over market average around 32 % in 2020. We have tried to stay close to our clients and business partners by organizing webinars, online meetings and online seminars.<\/span><\/h4>\n<h4><span style=\"color: #000000;\">This helped us in gaining new clients especially in the field of Heavy Industries, Energy and special risks.<\/span><\/h4>\n<h5 style=\"text-align: center;\"><span style=\"color: #000000;\"><div class=\"visualizer-front-container\" id=\"chart_wrapper_visualizer-9166-1689135112\"><style type=\"text\/css\" name=\"visualizer-custom-css\" id=\"customcss-visualizer-9166\">.locker,.locker-loader{position:absolute;top:0;left:0;width:100%;height:100%}.locker{z-index:1000;opacity:.8;background-color:#fff;-ms-filter:\"progid:DXImageTransform.Microsoft.Alpha(Opacity=80)\";filter:alpha(opacity=80)}.locker-loader{z-index:1001;background:url(https:\/\/trustrc.com\/wp-content\/plugins\/visualizer\/images\/ajax-loader.gif) no-repeat center center}.dt-button{display:none!important}.visualizer-front-container.visualizer-lazy-render{content-visibility: auto;}.google-visualization-controls-categoryfilter label.google-visualization-controls-label {vertical-align: middle;}.google-visualization-controls-categoryfilter li.goog-inline-block {margin: 0 0.2em;}.google-visualization-controls-categoryfilter li {padding: 0 0.2em;}.visualizer-front-container .dataTables_scrollHeadInner{margin: 0 auto;}<\/style><div id=\"visualizer-9166-1689135112\" class=\"visualizer-front  visualizer-front-9166\"><\/div><!-- Not showing structured data for chart 9166 because description is empty --><\/div><\/span><\/h5>\n<h6 style=\"text-align: center;\"><span style=\"color: #000000;\">Source: Insurance Association of Turkey<\/span><\/h6>\n<h4><span style=\"color: #000000;\">Moreover we managed to expand our team. Our human resources department carried out the HR process digitally with online interviews to help us recruit new colleagues. Thanks to this we were able to enlarge our team despite quarantine. \u00a0<\/span><\/h4>\n<h4><span style=\"color: #000000;\">Moreover we did not refrain from continuing with our yearly conferences, advisory board meetings and forums.<\/span><\/h4>\n<h4><span style=\"color: #000000;\">We had our traditional NART Risk Management Forum, online this time. The subject was The Risk Management in the Health Service Providers Industry and we had General Managers of large hospital chains, PPP projects and insurance companies as speakers.<\/span><\/h4>\n<h4><span style=\"color: #000000;\">We tried to stay in continuous touch with our clients in Turkey as well as abroad.<\/span><\/h4>\n<h4><span style=\"color: #000000;\">In conclusion we feel grateful and lucky being active in an industry not having experienced the harshness and cruelty of the Pandemic like other industries have. Since NART \u00a0has been in the market since more than 20 years now and having specialized in more corporate and complex risks also helped us to overcome this crisis smoother that maybe other agencies and brokers in Turkey.<\/span><\/h4>\n<h4><span style=\"color: #000000;\"><strong>COVID-19 and The Turkish Insurance Market<\/strong><\/span><\/h4>\n<h4><span style=\"color: #000000;\">We feel that the Pandemic has had a positive effect on the Turkish insurance market in terms of awareness. The importance of insurance has been underlined once more,\u00a0 be it in the area of health, cyber or supply chain management or other and the Turkish companies have once more experienced how crucial risk management and the role of a risk manager is.<\/span><\/h4>\n<h4><span style=\"color: #000000;\">Looking at the future I strongly believe that if the Turkish insurance sector can learn from this crisis and if we, as an industry, get more involved in innovative products, like Parametric Products, Non-Physical BI, Cyber Risk Insurance and invest more in digitalization, we can turn this crisis into an opportunity. I am convinced that there is a great chance for innovative insurers and technology companies and for high market growth.<\/span><\/h4>\n<h4><span style=\"color: #000000;\"><u><strong>Some Updates about the market for the readers:<\/strong> <\/u><\/span><\/h4>\n<h4><span style=\"color: #000000;\">As some readers may not know, the Turkish insurance market is dominated by motor, with third party liability and casco making up more than 40% of the market\u2019s total premium income. In the third quarter of 2020, the Turkish market saw average growth of 22 % mainly driven by life and Health Insurance. In addition the market also saw continued growth in Liability risks along with increases in Property, Credit, and Surety Bond insurances.<\/span><\/h4>\n<h4><span style=\"color: #000000;\">We had also a lot of movements and new entries in the market: HDI bought Ergo in Turkey,three state owned insurance companies Ziraat, G\u00fcne\u015f and Halk have merged under the Turkish sovereign wealth fund and renamed as T\u00fcrkiye Sigorta A.\u015e., T\u00fcrkiye Sigorta A.\u015f. thus becoming the largest non-life Insurer for the third quarter of 2020. This is new for us all, as it has been a long time since a state owned Insurer has been number one producer in the market. Besides \u00a0that, the government established a third Reinsurance company in the market called TURK Re, with the aim to support the country\u2019s insurance sector and increase capacity.<\/span><\/h4>\n<h4><span style=\"color: #000000;\">Another very important development for the Turkish insurance industry is the update of the compulsory Earthquake tariff as of 01.01.2020. For futher information please feel free to get in touch with NART.<\/span><\/h4>\n<\/div><div class=\"fusion-text fusion-text-2\"><h4 style=\"text-align: center;\"><span style=\"color: #000000;\"><strong>About the Author<\/strong><\/span><\/h4>\n<\/div><div class=\"fusion-person person fusion-person-center fusion-person-1 fusion-person-icon-bottom\" style=\"--awb-pic-style-color:#2d2d2d;--awb-pic-borderradius:50%;--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-bottom:0px;--awb-margin-left:0px;--awb-social-box-border-top:0px;--awb-social-box-border-right:0px;--awb-social-box-border-bottom:0px;--awb-social-box-border-left:0px;--awb-social-box-border-color:var(--awb-color3);--awb-social-box-border-color-hover:var(--awb-color4);--awb-social-box-colors-hover:var(--awb-color1);--awb-social-icon-boxed-colors:var(--awb-color2);--awb-social-icon-colors:var(--awb-color6);--awb-social-icon-colors-hover:var(--awb-color4);\"><div class=\"person-shortcode-image-wrapper\"><div class=\"person-image-container hover-type-none glow person-rounded-overflow\" style=\"-webkit-border-radius:50%;-moz-border-radius:50%;border-radius:50%;border:0px solid #eeeeee;-webkit-box-shadow: 0 0 50px rgba(45,45,45,0.3);box-shadow: 0 0 50px rgba(45,45,45,0.3);-webkit-border-radius:50%;-moz-border-radius:50%;border-radius:50%;\"><img decoding=\"async\" class=\"person-img img-responsive wp-image-9173\" width=\"300\" height=\"225\" src=\"https:\/\/trustrc.com\/wp-content\/uploads\/2021\/02\/Denis-NArt-300x225.jpg\" alt=\"Denise Nart\" srcset=\"https:\/\/trustrc.com\/wp-content\/uploads\/2021\/02\/Denis-NArt-200x150.jpg 200w, https:\/\/trustrc.com\/wp-content\/uploads\/2021\/02\/Denis-NArt-400x300.jpg 400w, https:\/\/trustrc.com\/wp-content\/uploads\/2021\/02\/Denis-NArt.jpg 462w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 300px\" \/><\/div><\/div><div class=\"person-desc\" style=\"background-color:#ffffff;padding:40px;margin-top:0;\"><div class=\"person-author\"><div class=\"person-author-wrapper\"><span class=\"person-name\">Denise Nart<\/span><span class=\"person-title\">Vice Chairman of the Executive Board at NART Sigorta, Istanbul<\/span><\/div><\/div><div class=\"person-content fusion-clearfix\">\n<p style=\"font-size: 15px; line-height: 1.1em; margin-bottom: 15px;\"><i class=\"fa fa-envelope-o\"><\/i> <a href=\"mailto:denisenart@nart.com\">E-Mail<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":764,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[89],"tags":[],"class_list":["post-9146","post","type-post","status-publish","format-standard","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - 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