UND Seyahat Sagllkpoli<;esiyolda blrakmadlUNO's Travel Health Insurance doesnot let downBir araglannlnRomanya'da kazayaptlglnl ve$ofbrlerinin aglryaralandlglnl belirtenBest UluslararaslNakliyat GenelMuduru AhmetYayman, UNOSeyahat Sagllkpoligesini aldlklanacenteleri EvrimSigorta'nln hera$amada kendilerineyol gbsterdigini ve$ofbrun istanbul'ahelikopterambulansla naklinigergekle$tirdiginibelirtti

"Hasar olmadl~1 surece polir;;eA4 ka~ldlndan farkslzdlr. Hasaroldu~unda da kurtancl." Bu soz-ler Best Uluslararasl Nakliyat veTicaret Genel Muduru AhmetYayman'a ait. Genel mudurlu-~unu yaptl~1 firmanln bir aracis:;er;;ti~imizaylarda Romanya'dakaza s:;er;;irmi~ve ~oforleri a~lryaralanml~. Acenteleri Evrim Si-s:;orta'nln kendilerinden hir;;birtalepte bulunmadan r;;all~anlan-nln istanbul'a naklini s:;err;;ekle~-tirdi~ini belirten Yayman, "UNOSeyahat Sa~llk polir;;emizi satinaldl~lmlz Evrim Sis:;orta vol s:;os-

Ozel sis:;ortalann ~irket ve birey-lerin zor bir durumda kaldlkla-nnda, belirlenen limitlerle deolsa yanlannda oldu~unu belir-ten Yayman, "Sis:;orta yaptlrma-nln nedeni riskleri bertarafetmek ve kendini s:;uvende his-setmektir" dedi. insanlann s:;e-nellikle sadece zorunlusis:;ortalan yaptlrdl~lna dikkatr;;eken Yayman, sozlerini ~oylesurdurdu: "Esaslnda sis:;ortayaptlrmak kar~lllkll s:;uvenme-selesi. Hasar olmadl~1 mud-detr;;e sis:;orta polir;;esi A4ka~ldlndan farkslzdlr. Hasar ol-du~unda da bir kurtancl. Hasanya~ayan ki~i veya kurulu~lar bui~in s:;err;;ekleri ile kar~lla~lncasis:;orta de~erini anlaylp sis:;ortayaptlnyorlar. Boylece kendilerinis:;uvende hissediyorlar. Sonur;;tasis:;orta yaptlrmanln birinci ne-deninin kendini s:;uvende hisset-mek oldu~u ortaya r;;lklyor."

"An insurance policy is nothins:;more than a mere sheet of A4paper when there is no damas:;ein question. Yet it becomes asavior when damas:;e is suf-fered." These words belons:; toAhmet Yayman, General Directorof Best Uluslararasl Nakliyat veTicaret A vehicle of his firm hadan accident in Romania lastmonth and the driver was seri-ously injured. Yayman said thatEvrim Sis:;orta,their insuranceas:;ency,did not come up withany demands and successfullytransferred the driver to Istan-bul: "Evrim Sis:;orta,from whichwe purchased our UNOTravelHealth Insurance Policy, was ournavis:;ator"

Pointins:; out that private insur-ance is there to aid firms and In-.dividuals, even if the extentremains in preset limits, when-ever a tous:;h situation is present:"The aim in takins:; out an insur-

Ahmet Yayman,General Director ofBest UluslararaslNakliyat, told that avehicle of the firmhad an accident inRomania and thedriver was heavilyinjured but EvrimSigorta, from whichthey purchasedUNO Travel HealthInsurance, navigatedthem throughout theprocess andtransferred the driverto istanbul on ahelicopterambulance

ance policy is to bypass risksand feel safe." Yayman under-lined that people s:;enerally tookout oblis:;atory insurances, andhe continued: "Actually, insur-ance is a matter of mutual trustAn insurance policy is nothins:;more than a mere sheet of A4paper when there is no damas:;ein question. Yet it becomes asavior when damas:;e is suffered.People and corporations who ex-perience such damas:;e under-stand the sis:;nificance ofinsurance thereafter and make amove for it Thus they feel safe.

Yayman, si~orta poli~esi satinalrrken ilk olarak si~ortqladl~1emtianln si~orta de~e+inesoma da di~er si~ortMardanneleri kapsadl~lna baktl~lnlsoyledi. Fiyatl u~uncu plandainceledi~i bir de~er olarak nite-lendiren Yayman "En son olarakda asistans hizmeti o\arak n,e-leri kapsadl~lnl incelerim. So-nu~ta bir poli~e butundur. Hertalebin bir de~eri vardlr 0 dafiyat olarak yanslr" dive ko-nu~tu.

Acente saglamsasorunlar QozuluyorYayman, nakliye firmalannlnbuyuk risklerle kar~1kar~lya 01-du~unu ancak sorunla kar~lla-~lldl~lnda i~in acenteye ba~lloldu~unu vur~uluyor. Yaymansozlerine ~oyle devam etti: "Tra-fik ve kasko si~ortalannda ~okfazla bir problem ~lkmIYor.Buyuk hasarlarda olu~an prob-lemde kar~lllkll konu~malarla~ozulebiliyor. Acenteniz sa~lamve portfoyu buyukse sorunlardaha kolay ~ozUlerek sonu~ all-nlyor."

Bir ara~lannln Romanya'nlnSibiu ~ehrinde otoyoldan ~Ika-rak 5 metre al~ak tarlaya du~-tU~unu soyleyen Yayman, olavsonucunda ~oforlerinin a~lr ya-ralanarak hastaneye kaldlrlldl-~Inl soyledi. Olayla il~ili olarakacenteleri Evrim Si~orta ile te-masa ~e~tiklerini soyleyen Yay-man, Evrim Si~orta'nln seyahatsa~llk poli~eleri ile il~ili ~erekeni~lemleri hemen ba~lattlklannlsoyledi. Yayman sozlerine ~oyledevam etti: "A~lr yaralanarakhastaneye kaldlnlan ve omurili-~inin iki yerinde kink tespit edi-len ~oforumuz orada ameliyat

olmak istemedi. Durumu acen-temiz Evrim Si~orta'ya bildirdik.Evrim Si~orta iki ~un i~inde ya-ralanan ~all~anlmlzl ambulansu~ak ile istanbul'a ~etirerekhastaneye yatl~lnl sa~ladl."

Olav slraslnda acenteleri EvrimSi~orta'nln yakla~lmlnl son de-rece olumlu oldu~unu vur~ula-van Yayman, "Acentemiz bizeyapmamlz ~erekenler konu-sunda vol ~osterdi. Si~orta ~ir-keti ile ba~lantl koprusu oldu.Yaralanan ~all~anlmlzln istan-bul'a nakli i~in bizden bir ta-lepte bulunmadan her ~eyikendisi takip etti" dedi.Si~orta ~irketini se~meden onceacente se~iminin daha onemlibir ad1moldu~una dikkat ~ekenYayman, "Acentem ne kadarsa~lamsa, si~orta ~irketimekar~1savunucum olur" dedi.Yayman acentesini se~erkendikkat etti~i kriterleri ise ~oyleslraladl: "Acenteler yapllacakpoli~e se~imlerinde si~ortallyaana destek verir. Dikkat edil-mesi ~ereken noktalardan biriacente bunyesinde ne kadar si-~orta ~irketi oldu~udur. Acen-temi se~erken Teklif se~imisunuyor mu bunlarabakanm.Birde bence en onemliolan ~all~anlan konuya ne kadarhakimler ve ne kadar takip~iler.Bu konuyu da ara~tlmlm."

Kasko odeyenlerle aym kefeye konulmamahYlzSigorta ~irketlerinden ve acentelerden en bi.iyi.ikbeklentilerinin hasangabuk odemeleri ve sigortallyl magdur etmemeleri oldugunu belirtenYayman, "$irketler ve acenteler katl kurallannl blrakmall" dedi. Yay-man siizlerini ~iiyle si.irdi.irdi.i:"$irketler Yllda en az 350.000-400.000TL prim iideyen nakliye ~irketleri ile iki-i.ig araci igin zorunlu sigorta vekasko iideyenleri aynl terazi kefesine koymamall. Bu gergeve acente-ler iginde gegerli tabi ama bu her acenteyi de kapsamlyor."

In the end, it is obvious that theprimary aim in purchasin~ insur-ance is to feel safe."

Yayman reported that he con-sidered firstly the insurancevalue of the commodity inquestion and then the covera~eof the policy when purchasin~insurance. Yayman added thatthe insurance sum was of terti-ary importance: "Finally, I reviewthe assistance services offers.After all, an insurance policy is awhole. EverY demand has itsvalue which is reflected on thefinal price"

Problems are solvedwhen the agency isreliableYayman reported that transportfirms faced ~reat risks but it allcame down to the a~ency whena problem occurred: "Not muchof a problem is experienced intraffic and vehicle insurance.Situations which involve dama~eof bigger scales can be mutuallynegotiated on. If your agency isreliable and holds a large portfo-lio, problems are solved and re-sults are obtained more easily"Yayman told that one of thefirm's vehicles got of course inSibiu, Romania and fell off ontoa field from a height of 5 me-ters. He said that the driver, whowas seriously injured, hospital-ized. Then they contacted EvrimSigorta, their insurance agency,which in turn immediatelystarted the relevant processesbased on their travel health in-surance. Yayman added: "Our

driver, who was heavily injuredwith two fractures on his spinalcord, did not wish to undergo anoperation in the institution hewas hospitalized in. We notifiedour agency, Evrim Sigorta, aboutthe situation and they trans-ferred our driver to Istanbul on ahelicopter ambulance within twodays"

Emphasizing on the fact thatEvrim Si~orta's approach duringthe process was very positive,Yayman said: "Our agency navi-gated us as to what had to bedone. They acted as a bridge be-tween us and the insurancecompany. Without any demandssubmitted to us, they organizedthe entire operation of transfer-ring our injured driver to istan.-but" Yayman pointed out thatthe choice of agency came firstbefore choosing one's insurancecompany: "The more reliable myagency is, the better I will be de-fended before my insurancecompany" Yayman listed the cri-teria he took into account whenchoosing an insurance agency:"A~encies offer the main sup-port to the insured party interms of choosing a policy. An-other point to bear in mind isthe number of insurance com-panies the a~ency represents. Icare to see whether my agencyoffers me proposal options. Andone of the most important fac-tors is the extent to which em-ployees of an a~ency areknowled~eable and involved inthe process. I certainly enquirethis too"

We should not be put in the same pot as vehicleinsurance purchasersReminding that one of the biggest expectations from insurance com-panies was immediate payment for damages and not causing anyadditional aggravation instead, Yayman continuf!d: "Firms and agen-cies need to abolish their strict set of rules. Transport firms which payinsurance fees up to 350.000-400.000 TL per annum should not beput in the same pot as other parties which pay obligatory vehicle in-surance premiums for only several vehicles. This framework is appli-cable also for agencies but it does not cover all of them. "