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Dergiler / Sosyal Güvence / 2026 / Sayı: 29

İklim Değişikliğinin Sebep Olduğu Sağlık Risklerine Karşı Türk Genel Sağlık Sigortasının Yeterliliği

Adequacy of Turkish General Health Insurance Against Health Risks Caused by Climate Change

Mehmet Akalın(SOSYAL GÜVENLİK KURUMU)0000-0002-5170-7503
Sayfa
1959–2005
Yayın Tarihi
2026-01-09
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⚡ TL;DR(1 Cümlede Hızlı Çıkarım)

Çalışmanın ikinci bölümünde ise Türk Genel Sağlık Sigortası’nın iklim değişikliğinin sebep olduğu sağlık risklerine karşı sağladığı güvencelerin yeterliliği tartışılmıştır.

📌 3 Maddede Bu Makale

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Amaç & Hipotez:Küresel ısınma ve iklim değişikliğinin oluşturduğu riskler çok yönlü olsa da sigortacılık açısından bu risklere çoğunlukla maddi zararların telafisi yönünden yaklaşılmaktadır.
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Temel Bulgular & Veri:Bu çalışma iklim değişikliğinin insan sağlığı üzerindeki potansiyel etkilerini anlayabilmek için bir çerçeve sunmak; mal ve kaza sigortası kapsamında risk unsuru olarak değerlendirilen iklim değişikliği risklerini Türk Genel Sağlık Sigortası kapsamında incelemek; türk Genel Sağlık Sigortasının küresel ısınma ve iklim değişikliğin sebep olduğu potansiyel sağlık riskleri karşısında yeterliğini değerlendirmek amacıyla yapılmıştır.
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Sonuç & Katkı:Çalışmanın ikinci bölümünde ise Türk Genel Sağlık Sigortası’nın iklim değişikliğinin sebep olduğu sağlık risklerine karşı sağladığı güvencelerin yeterliliği tartışılmıştır.
🔬Tür:Araştırma Makalesi
📍Kapsam:Genişletilmiş Akademik Örneklem
⚙️Değişkenler:Küresel Isınma · İklim Değişikliği · Sağlık Riski

Özet

Küresel ısınma ve iklim değişikliğinin oluşturduğu riskler çok yönlü olsa da sigortacılık açısından bu risklere çoğunlukla maddi zararların telafisi yönünden yaklaşılmaktadır. Bu yüzden küresel ısınma ve iklim değişikliğinin sebep olduğu ölüm, hastalık, iş göremezlik, artan sağlık harcamaları ve sağlık altyapısının zarar görmesi gibi riskler özel sigortacılık temsilcileri tarafından çok fazla dikkate alınmamaktadır. Ancak küresel ısınma ve iklim değişikliğinin ortaya çıkardığı ve telafi edilmesi gereken riskler maddi zararların çok ötesindedir. İnsan sağlığı ve refahı da en az maddi zararlar kadar dikkate alınması ve telafi edilmesi gereken riskli konulardır. Bu çalışma iklim değişikliğinin insan sağlığı üzerindeki potansiyel etkilerini anlayabilmek için bir çerçeve sunmak; mal ve kaza sigortası kapsamında risk unsuru olarak değerlendirilen iklim değişikliği risklerini Türk Genel Sağlık Sigortası kapsamında incelemek; türk Genel Sağlık Sigortasının küresel ısınma ve iklim değişikliğin sebep olduğu potansiyel sağlık riskleri karşısında yeterliğini değerlendirmek amacıyla yapılmıştır. Çalışma iki bölümden oluşmaktadır. Çalışmanın birinci bölümünde, iklim değişikliğinin insan sağlığı üzerinde oluşturduğu risklerin neler olduğu üzerinde durulmuştur. Çalışmanın ikinci bölümünde ise Türk Genel Sağlık Sigortası’nın iklim değişikliğinin sebep olduğu sağlık risklerine karşı sağladığı güvencelerin yeterliliği tartışılmıştır.

Abstract

Although the risks posed by global warming and climate change are multifaceted, in terms of insurance, these risks are mostly approached in terms of compensation for material damages. Therefore, risks such as death, illness, disability, increased health expenses and damage to health infrastructure caused by global warming and climate change are not taken into consideration much by private insurance representatives. However, the risks posed by global warming and climate change and that need to be compensated go far beyond material damages. Human health and well-being are risky issues that need to be considered and compensated at least as much as material damages. This study was conducted to provide a framework for understanding the potential effects of climate change on human health; to examine climate change risks, which are considered as risk elements within the scope of property and casualty insurance, within the scope of Turkish General Health Insurance; and to evaluate the adequacy of Turkish General Health Insurance against potential health risks caused by global warming and climate change. The study consists of two parts. The first part of the study focuses on the risks posed by climate change on human health. The second part of the study discusses the adequacy of the assurances provided by Turkish General Health Insurance against health risks caused by climate change.

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Bu Makaleye Atıf Yap

Akalın, M. (2026). İklim Değişikliğinin Sebep Olduğu Sağlık Risklerine Karşı Türk Genel Sağlık Sigortasının Yeterliliği. Sosyal Güvence, Sayı: 29, 1959–2005. https://doi.org/10.21441/sosyalguvence.1629991

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