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May 2010, ISTANBUL
TURKISH NATURAL
CATASTROPHE INSURANCE
POOL
Menekşe Uçaroğlu IUC Group
IIF 2015 Munich
HISTORY
The devastating Earthquakes in Marmara region on 17th August and 12th November 1999
Insured loss: around USD 800 milion
Economic loss: over USD 10 billion
Low insurance penetration (especially for residential risks)
Burden on public budget
Decree law no 587 – compulsory earthquake insurance as of 27th September 2000 untill 18th of August 2012
As from 18th August 2012 new 6305 Catastrophe Insurance Law
PRE-TCIP
WHY
Reactive solutions versus proactive solutions
Shortage of funds in immediate need
Allowance of funds to those in need is problematic
Political and bureaucratic considerations may prevail
Government priorities is on getting back to economic and social life
GOVERNMENT’S PRIORITIES
A compulsory earthquake insurance system for homeowners
Affordable price for every homeowner
True risk transfer mechanism
Claims-paying capacity to limit government’s exposure
Build national catastrophes reserves by time
improvement of risk culture and insurance consciousness in public
Rely on distribution channels of Turkish insurance industry
ESTABLISMENT OF TCIP
LEGAL AND FINANCIAL BASE OF TCIP
Financed by Marmara EarthquakeEmergency Reconstruction Projectco-financed by
Turkish GovernmentWorld BankEuropean Bank for Reconstruction and Development
Decree law no 587 – compulsoryearthquake insurance as of 27thSeptember 2000.Eureko Sigorta is tendered for thefollowing 5 years till August, 2015As from 18th August 2012 new6305 Catastrophe Insurance Law
PUBLIC-PRIVATE PARTNERSHIP
NOWHEREWITHOUT
TECHNOLOGY
WAN
J2EE APPLICATION
SERVER
J2EE APPLICATION
SERVER
ORACLE DATABASE
LDAP
J2EE APPLICATION
SERVER
LDAP
ORACLE DATABASE
DMZ
WEB SERVER
FIREWALL
DMZ
WEB SERVER
FIREWALLDISASTER RECOVER CENTER
TCIP
CENTER
CALL CENTERCOMPANIES
L LINE
INTERNET
İSTANBUL ANKARA
16 MILLIONHOMEOWNERS
THE TREASURYGENERAL DIRECTORATE OF
INSURANCETCIP
BOARD OF DIRECTORS
INSURANCE COMPANIES
REINSURANCE
IT
FUND MANAGMENT
AGENCIES BROKERSBANC
ASSURANCEDIRECT & ADC
CONTRACTUALAGREEMENT
PR
CLAIM OPERATIONS
CLAIM
MANAGEMENT COMPANY
• State of the art technology• 99,9% service level• Investing into satellite and mobile
technologies• Continuous improvement• Various level Back-up services, data and
programs• Disaster Recovery Center is able to be in full
operation within 2 hours
BASICS OF DASKPUBLIC AND
PRIVATE PARTNERSHIP
30.000 POS
SINGULARITY AND SIMPLICITY
PROPERTY
EARTHQUAKE
RESIDENTIAL BUILDINGS
DASK
LINE
PERIL
RISK
PROVIDER
ONLY EARTHQUAKE
ALL BANKS AND AGENCIES
3 PRICING FACTORS
FEW INFORMATION
TO UNDERSTAND
TO ACCESS
PRICING
CLICK PRODUCT
JUST CALL 125CLICK POST-SALES OPT
PRODUCT CONCEPT - SINGULARITY
PRODUCT FEATURES - SIMPLICITY
SCOPE OF COVER AND TARIFFICATION
TYPE OF CONSTRUCTION
Zone1
Zone2
Zone3
Zone4
Zone5
Steel, RC 2.20 1.55 0.83 0.55 0.44
Masonary 3.85 2.75 1.43 0.60 0.50
Others 5.50 3.53 1.76 0.78 0.58
TYPE OF CONSTRUCTION
UNIT ONSTRUCTION COST PER M²
Steel, RC 700 TL
Masonary 500 TL
Others 260 TL
TYPE OF CONSTRUCTİON
SUM INSUREDTURKİSH LİRA
Zone1
Zone2
Zone3
Zone4
Zone5
Steel or R/C 70.000 164 119 68 49 41
Masonary 50.000 203 148 82 40 35
Others 26.000 153 102 56 30 25
Prices for a 100 square meter dwelling (TL)
SIMPLE TARIFF
• Earthquake Zone
• Construction Type
• M² of apartment
SCOPE OF COVER
Only Earthquake and following
•Fires
•Explosions
•Landslides
•Tsunami
INSURABLE PROPERTY
Only Building
• No contents
• No BI
IMPROVED PENETRATION
FROM
4% TO 40%
SUSTAINED LOW PRICES
LESS THAN
€ 40ANNUAL PREMIUM
12 MİLYAR TLÖDEME KAPASİESİ
ACHIEVEMENTS
INCREASED PUBLIC AWAIRNESS
OVER
90%BRAND AND PRODUCTRECOGNITION
RELEASE ONNATIONAL BUDGET
€ 4.4 BILLION
CLAIM PAYMENT CAPACITY
LOW OPERATIONAL COST
LESS THAN
3%
EFFECTIVE PUBLIC-PRIVATE PARTNERHIP
HAS BECOME
A GLOBALROLE MODEL
OVERALL 40%
938,457
763,075
DASK - TURKISH NATURAL CATASTROPHE INSURANCE POOL www. dask.gov.tr
$39 $33
252,467
$55$22
1,308,985
$52
222,467
$49
2,999,067
$39
525,038
VARYING REGIONAL PENETRATION / LOW COST ACROSS THE COUNTRY
DASK IN THE FUTURE
HAVING ROBUST PLATFORM
DEVELOPING CONTINGENCY
RESOURCES
IMPROVING COORDINATION
USE OF HIGH END TECHNOLOGY
7.5 MILLION POLICIESIN 2015
10 MILLION POLICIES2017
EFFECTIIVE USE OF CHECK POINTSUSE OF IMPROVED METHODOLOGIES AND RISK REDUCTION
STUDEIS
STRONG COORDINATION WITH STAKE HOLDERS AND CONTINOUS PUBLIC RELATION ACTIVITIES
INCREASING PENETRATION IMPROVING CAT MANAGEMENT
LESSONS
Operational capacity is as important as financial capacity
Outdated operational manuals
Procedures must be simple and lean
Application of sum insured or indemnity limits
Necessity for collaboration between;
Industries
companies and public offices
cities-countries
Lack of;
adjusting capacity
technology
Field knowledge
LESSONS
Less loss of lives in the countries with stringent building codes (Chile and New Zealand)
Multiple events are not unusual (1999 Turkey and 2011 New Zealand)
Secondary risk causing severe damages (tsunami, liquefaction, nuclear damage)
Modeling has it’s limitation
Underestimated scenarios
Economic
Political
Demographic
Ambiguity on expectations from insurance industry
Importance of strong construction industry
Need for more involvement of Government support
NEW ERA IN CAT MANAGEMENT
o 12.01.10 7.0 Haiti Earthquake
o 27.02.10 8.8 Chile Earthquake
o 04.09.10 7.1 New Zealand Earthquake
o 11.01.11 Australian Flood
o 11.03.11 8.9 Japan Earthquake
o 22.02.11 6.3 New Zealand Earthquake
OPERATIONAL CAPACITY
AS IMPORTANT AS FINANCIALo 23.09.2011 Van Earthquake
o 09.11.2011 Van Earthquake
o 2012 Kütahya Earthquake
JAPAN MODEL NEW ZELAND MODEL
DASK’S STRATEGY FOR THE FUTURE
EXPERIENCE GAINED IN TURKISH EARTHQUAKES
LESSONS
When to start claim adjusting; after rescue operations oraftershocks
How important to have continuous observation on damagedevelopment of on the field because of after shocks
Appointing adjusters to the building not to the policies How important to have standard, simple and transparent
adjustment To have fixed construction cost tables for claim adjusters Adjustment of common areas of the buildings Difficulties in logistics and housing of the claim adjusters Claim adjusters reluctance on leaving in the earthquake
area. Public offices, such as Municipality and Land Register
Offices, being un-operational due to physical damage orloss of lives Unavailability of construction capacity in theregion
Public confusion on claim adjustment due to Government’sdamage assessment activities.
Public prosecutors and mortgage holders' discretion on theclaim payments.
Low sum insured on the policies Physiological trauma causing people to leaving the city, Confusion on address information Lack of engineering knowledge of the professional claim
adjusters Lack of coordination with insurance companies
VAN EARTHQUAKE
TOTAL NUMBER OF CLAIM NOTIFICATION 8.701
TOTAL PAID CLAIMS 7.000
TOTAL PAID AMOUNT 123.000.000
JUSTIFIYING TCIP’S SUM INSURED
TOTAL NUMBER OF TOTAL LOSSES 1.289
TOTAL PAID 75.639.234
TOTAL SUM INSURED 99.043.410
DIFFERENCE 24%
%24 EXACTLY SAME FOR SIMAV EQ
SOCIAL OBJECTIVES
INSURANCE PRINCIPLES
CAT MANAGEMENT PLATFORM
Uydu Görüntüleme ve Fark Algılama
İB1_D
AS
K İnte
raktif
İB2_O
pera
syonel
Veri
mlil
ikİB
4_H
asar
Yönetişim
2. Ç 3. Ç 4. Ç 5. Ç 6. ÇİB Proje 1. Ç
P1
P2
P3
P4
P5
P6
İB3_E
tkin
Hazır
lık P7
P8
P9
P10
P11
P12
İTÜ
Onay
Birim
Maliyetlendirme
İzmir
Tasarım Algoritma
Hasar
Kategorizasyon
TOBB Eksperleri
Bilgi Dosyası Yeni Eksper Bilgi DosyasıÇŞB, AFAD, Üniversiteler ve Mühendislik Odaları ile Görüşmeler
Eğitim İçerik Yönetimi ve Organizasyonu
Konsolide Veri Modeli İş Kuralları ve Kontoller
Saha LojistikAlternatifli Aksiyon Planlaması
Saha Organizasyon Modellemesi
Banka / PTT ile MutabakatÖdeme Uygulaması
IVR
Sigortalı ve Aday Sigortalı Mobil Uygulaması
Sigortalı Portalı
Modelleme (BOUN)
Hava ve
Sokak Görüntüsü
Mobil Eksper Uygulaması
Analitik Kapsamı
ve Analizi
Nakit Akış Planlaması
Hasar Uygulaması **
2014* 2015*
Program Planlaması
ve Mobilizasyonu
Proje ekiplerine bilgi aktarım ve
kapsam detaylandırma workshop’ları
Program Yönetimi; Değişim ve İletişim Yönetimi
Veri Ambarı Senkromizasyonu ve Optimizasyonu (Tasarımların tamamlanmasını takiben)
Veri Modelleme, BT Altyapı ve Mimari Değerlendirme Workshopları (Program boyunca)
Öncelikli Veri
Temizliği
AFAD, ÇŞB ile ortak kaynak kullanımı ve/veya
ortak eğitim kapsamının ve planının oluşturulması
Eğitim StratejisiEğitim Sertifikasyonu
Geocode
Eğitim İçerik Güncellemeleri
Hasar KPI
ve SLA’ler
Eksper KPI
ve SLA’ler Hasar
Dashboard
Eksper
Dashboard
Haritalandırma ve Etki Tahminleme Poliçe Entegrasyonu
Hasar Kategorizasyon
Modülü Güncellemesi
HızlandırılmışBaşlangıç
P13
Eksper Dashboard
Güncellemesi
Üst Yönetim Raporlama
,U
Raporlam
a v
e D
ata
Ware
house
Dış
Entegrasyonlar
E-Posta
Posta
Çağrı
Merkezi
IVR
Web Portal
Mobil
Telefon / Fax
İhbarDosya
DeğerlendirmeRücu/Sovtaj
Dosya NotlarıHasar
Kontakları
Şablonlar
SuistimalPatternler Ödemeler Tahsilatlar
Limit
Muafiyet
Muallak
Yönetimi
Eksper & Performans
YönetimiE-posta / SMS Görevler Raporlama Konfigurasyon
Hasar Destek Fonksiyonları
Hasar Yönetimi Finansallar
Hasar Uygulamasıİletişim
Kanalları
Çıktı
Poliçe Sistemi
Ödeme SistemiReassürans
Sistemi
Risk Yönetimi
Skorlama Sistemi
İç EntegrasyonlarMaliyetlendirme
Sistemi
Modelleme ve Tahminleme
Uygulaması
Poliçe
Sistemi
Ödeme
Sistemi
Analitik ve
Veri Madenciliği
Muhasebe
Sistemi
Risk Yönetimi
Skorlama Sistemi
Döküman Yönetimi
Arşivlemeİş Süreç/Akış
Yönetimi
Olay Tanımlama
Coğrafi Bilgi
Sistemleri
Dönüşümler ve
Haritama
Modelleme ve Tahminleme UygulamasıMaliyetlendirme Sistemi
Maliyetlendirme
Standardizasyonu
Maliyetlendirme
Kategorizasyonu
Analitik ve Veri
MadenciliğiPerformans ÖlçütleriVeri Madenciliği
Muhasebe SistemiÖdeme Sistemi Reasürans Sistemi
Hasar Uygulamasını Destekleyen Uygulamalar ve Kurumsal Uygulamalar
Web Satış
(Vizyoneks)TAPU
Elektrik Su
DairesiUAVT
Sigorta Şirketleri
AcentelerE-Devlet
Portföy Yönetim
ŞirketleriTOBB
Banka
PTTTAPU
AFAD
CBSVEDOP UYAP
Kandilli
Sistemi
Eksper Yönetimi
• DASK designed the cat management structure with improved procedures and new model
• Accenture’s study justified the target model and provided implementation plan.
• DASK preferred to built it’s model on the renown platform, SAP
• Local partner, Vizyoneks, is integrating and developing the application together with SAP
• IBM is the program manager and business modeller on behalf of DASK
DASK CLAIM ADJSUTMENT PRINCIPALS
BEFORE EARTHQUAKE
IMMEDIATELY AFTER EARTHQUAKE
SHORTLY AFTER EARTHQUAKE
EARTHQUAKE OPERATION
EXCEL ON MODELLING
EXCEL ON ESTIMATION
EXCEL ON DESKTOP LOSS ASSESMENT
EXCEL ON CLAIM ADJUSTMENT
T -1
T 0
T 1
T 2
WHY AND HOW TO INTEGRATE GIS TECHNOLOGIES
AFTERSHOCKS EXCEL ON TRACKING THE FIELD
T 3